2004 Suzuki Vitara Insurance Quotes

Looking for better insurance rates for your Suzuki Vitara? Overpriced Suzuki Vitara insurance can overdraw your bank account and put the squeeze on your family’s finances. Comparison shopping is a smart way to cut your insurance bill.

Having so many insurance providers from which to choose, it can be hard to choose the most affordable insurance company.

It’s a good habit to shop coverage around yearly because prices are rarely the same from one policy term to another. If you had the lowest rates on Vitara coverage on your last policy there may be better deals available now. There is too much inaccurate information about insurance on the internet, so with this article, you’re going to get some proven techniques to find cheap insurance.

Cut your premium with discounts

Insurance can be prohibitively expensive, but there are discounts available that many people don’t even know exist. Some trigger automatically at the time you complete a quote, but less common discounts must be specifically requested prior to receiving the credit.

  • Life Insurance – Some companies give a break if you buy life insurance.
  • E-sign – Certain companies will give a small break for buying a policy and signing up on their website.
  • Service Members Pay Less – Having a deployed family member can result in better rates.
  • Accident Waiver – Some insurance companies will allow you to have one accident before your rates go up as long as you don’t have any claims for a certain period of time.
  • Drive Less and Save – Fewer annual miles on your Suzuki could qualify for discounted rates on garaged vehicles.
  • Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Bundle and Save – When you combine your home and auto insurance with one company you may save up to 20% off your total premium.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Homeowners Savings – Owning a house may earn you a small savings because of the fact that having a home shows financial diligence.

It’s important to understand that some of the credits will not apply to all coverage premiums. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, it doesn’t quite work that way. Any qualifying discounts will bring down your overall premium however.

A partial list of companies that may offer these money-saving discounts include:

Double check with each company how you can save money. All car insurance discounts may not apply in your state.

Pieces of the Suzuki Vitara insurance rate puzzle

It’s important that you understand some of the elements that play a part in calculating the price you pay for insurance coverage. When you know what positively or negatively determines base rates empowers consumers to make smart changes that may reward you with big savings.

  • More people means more accidents – Being located in small towns and rural areas has it’s advantages when talking about insurance coverage. Urban drivers regularly have congested traffic and longer commutes to work. Fewer drivers means reduced accidents.
  • Do you know you’re credit rating? – Having a bad credit score is a important factor in your rate calculation. Therefore, if your credit history is lower than you’d like, you could pay less to insure your 2004 Suzuki Vitara by repairing your credit. People with high credit scores tend to be more responsible as compared to drivers with poor credit.
  • More claims means more premium – Companies give discounts to people who do not file claims often. If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Liability insurance protects assets – Liability insurance is the protection if a court rules you are at fault for causing damage or personal injury in an accident. It will provide for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.
  • Lower rates come with age – Teenage drivers tend to be careless and easily distracted in a vehicle so they pay higher insurance coverage rates. Mature drivers are more cautious drivers, tend to file fewer claims and get fewer tickets.

What is the best insurance coverage?

When choosing adequate coverage for your personal vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions might point out if you may require specific advice.

  • Why am I required to buy high-risk coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I have newly-aquired coverage?
  • How can I force my company to pay a claim?
  • Does coverage extend to a rental car in a foreign country?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I have any recourse if my insurance company denies a claim?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Do you really save 40% when you switch?

Insurance companies such as Progressive, Geico, Allstate and State Farm consistently run television and radio advertisements. They all seem to say the same thing about savings if you change your policy. How can each company claim to save you money?

Different companies have a preferred profile for the type of driver that is profitable for them. A good example of a desirable insured could possibly be a mature driver, is a homeowner, and has a short commute. A customer who meets those qualifications gets the lowest rates and most likely will save when switching.

Drivers who don’t qualify for this ideal profile will have to pay more money which usually ends up with the driver buying from a lower-cost company. The ads state “customers that switch” not “people who quote” save that much money. That’s the way insurance companies can confidently make those claims.

Because of the profiling, it’s extremely important to compare as many rates as you can. It is impossible to predict which insurance company will give you the biggest savings on Suzuki Vitara insurance.

Insurance policy coverages for a 2004 Suzuki Vitara

Knowing the specifics of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring. These are typical coverages available from insurance companies.

Coverage for collisions

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as driving through your garage door, rolling your car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like X-ray expenses, EMT expenses, prosthetic devices and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like theft, hitting a deer and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently these limits are identical to your policy’s liability coverage.

Auto liability insurance

This coverage can cover damage or injury you incur to people or other property by causing an accident. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Occasionally you may see a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like repair bills for other people’s vehicles, medical services, legal defense fees and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Buy Smart and Save

We just showed you many ideas to compare 2004 Suzuki Vitara insurance prices online. The key concept to understand is the more providers you compare, the higher your chance of finding lower rates. Drivers may discover the lowest premiums are with the smaller companies. These companies can often insure niche markets at a lower cost compared to the large companies like Allstate or State Farm.

Lower-priced insurance is possible both online and also from your neighborhood agents, and you need to comparison shop both to have the best selection. Some companies may not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

More detailed car insurance information is located by following these links: