View 2011 Suzuki Grand Vitara Car Insurance Rates

Shoppers have options when shopping for the lowest priced Suzuki Grand Vitara insurance. You can either spend your time contacting agents trying to get quotes or leverage the internet to get rate quotes. There are both good and bad ways to buy insurance coverage and we’ll show you the quickest way to quote coverages for a Suzuki and get the lowest possible price either online or from local insurance agents.

Finding the best rates is easy if you know what you’re doing. If you are paying for car insurance now, you will be able to lower your premiums substantially using these tips. Consumers just need to learn how to compare prices online.

Parts of the Suzuki Grand Vitara rate equation

Smart consumers have a good feel for some of the elements that go into determining your auto insurance rates. Knowing what determines base rates enables informed choices that may reward you with better auto insurance rates.

Listed below are a partial list of the pieces auto insurance companies consider when setting rates.

  • Your stress level may be raising your rates – Jobs such as lawyers, architects and stock brokers have the highest rates due to high stress and lengthy work days. On the other hand, jobs such as farmers, students and the unemployed get better rates on Grand Vitara coverage.
  • Drive less and save money – The higher the mileage driven in a year’s time the higher your rates will be. Almost all companies charge to insure your cars based on how the vehicle is used. Cars used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. Having the wrong rating on your Grand Vitara may be wasting your money. Double check that your auto insurance declarations sheet shows the correct usage for each vehicle.
  • Theft deterrents lower rates – Owning a car with an alarm system can get you a discount on your auto insurance. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft.
  • Don’t buy coverages you don’t need – There are many additional coverages that you can get tricked into buying on your Grand Vitara policy. Coverages like rental car reimbursement, accidental death and motor club memberships may be wasting your money. They may seem like a good idea initially, but if you don’t need them get rid of them and save.
  • Don’t cancel a policy without a new one in place – Allowing your coverage to lapse is a fast way to increase your auto insurance rates. Not only will you pay more, but not being able to provide proof of insurance might get you a revoked license or a big fine.
  • Liability insurance protects assets – Your policy’s liability coverage provides coverage if ever you are found liable for damages caused by your negligence. It provides legal defense which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so do not skimp.
  • Adjust deductibles and save – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your Suzuki from damage. Some instances where coverage would apply could be collision with another vehicle, damage from fire, and windstorm damage. Your deductibles are the amount of money you are willing to pay before your auto insurance pays a claim. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance on Grand Vitara coverage.
  • Being married is a good thing – Having a wife or husband can actually save you money when buying auto insurance. Having a spouse is viewed as being more mature and statistics show being married results in fewer claims.

How to save on Suzuki Grand Vitara insurance

Companies do not advertise all their discounts in a way that’s easy to find, so we researched both well-publicized and the harder-to-find discounts you could be receiving. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Driver’s Ed – Require your teen driver to complete a driver education course if offered at their school.
  • Multi-policy Discount – When you have multiple policies with the same insurance company you may save at least 10% off all policies.
  • Good Students Pay Less – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Safe Drivers – Insureds without accidents may receive a discount up to 45% less on Grand Vitara coverage than their less cautious counterparts.
  • Sign Early and Save – Select companies give a discount for signing up before your current expiration date. It can save you around 10%.

It’s important to understand that most credits do not apply to your bottom line cost. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, it just doesn’t work that way.

For a list of insurance companies who offer car insurance discounts, click here to view.

Auto insurance myths debunked

Consumers can’t get away from ads for car insurance savings from the likes of Allstate and Progressive. They all seem to have a common claim about savings after switching your coverage to them.

But how can every company claim to save you money? This is how they do it.

All the different companies have a preferred profile for the type of driver that makes them money. A good example of a preferred risk could be between 25 and 40, has no tickets, and chooses high deductibles. A customer getting a price quote who fits that profile will qualify for the lowest rates and most likely will save a lot of money.

Potential customers who are not a match for these standards will have to pay higher premiums which usually ends up with business going elsewhere. The ads say “customers who switch” but not “drivers who get quotes” save that much. This is how insurance companies can confidently claim big savings. Because of the profiling, you should get as many quotes as possible. It’s just too difficult to predict which insurance companies will have the lowest Suzuki Grand Vitara insurance rates.

Tailor your coverage to you

When choosing coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover if your insurance needs could use an agent’s help.

  • Do I really need UM/UIM coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Are all vehicle passengers covered by medical payments coverage?
  • What are the best liability limits?
  • Should I buy only the required minimum liability coverage?
  • What can I do if my company denied a claim?
  • Can I afford to pay high deductible claims out of pocket?
  • What happens if I owe more than my 2011 Suzuki Grand Vitara is worth?
  • Are split liability limits better than a combined single limit?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.

Auto insurance coverage specifics

Knowing the specifics of your auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, a broken windshield and damage from a tornado or hurricane. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses for things like doctor visits, chiropractic care, rehabilitation expenses, funeral costs and surgery. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision protection

This pays for damage to your Grand Vitara resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as colliding with a tree, damaging your car on a curb, sustaining damage from a pot hole, sideswiping another vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Liability coverage

This coverage can cover injuries or damage you cause to other’s property or people that is your fault. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as repair bills for other people’s vehicles, medical expenses, structural damage and bail bonds. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Suzuki Grand Vitara.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Coverage on a shoestring budget

Insureds change insurance companies for a variety of reasons including poor customer service, delays in paying claims, not issuing a premium refund and even delays in responding to claim requests. Regardless of your reason, choosing a new company can be less work than you think.

When buying insurance coverage, never reduce needed coverages to save money. In too many instances, someone dropped liability coverage limits and discovered at claim time that they should have had better coverage. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.

We’ve covered a lot of ways to shop for 2011 Suzuki Grand Vitara insurance online. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even find the lowest priced insurance comes from some of the smallest insurance companies.

More information can be found on the following sites: