Locating the cheapest insurance for a Suzuki Grand Vitara could be a painful process, but you can use a few tricks and make it easy. There is a better way to buy auto insurance so you’re going to learn the quickest way to price shop coverage for a new or used Suzuki and get the lowest possible price from local insurance agents and online providers.
You should take the time to get comparison quotes every six months because insurance rates tend to go up over time. Even if you got the best rates for Grand Vitara coverage on your last policy you may be paying too much now. So just block out anything you think you know about auto insurance because I’m going to teach you the quickest way to save on auto insurance.
Finding lower insurance coverage rates is not rocket science. All you need to do is invest a little time comparing rate quotes provided by online insurance companies. It is quite easy and can be accomplished using a couple different methods.
The easiest and least time consuming way to get quotes for comparison is to use a rate comparison form click to view form in new window. This form saves time by eliminating separate quote forms to each individual insurance coverage company. One form submission will return price quotes direct from many companies. This is perfect if you don’t have a lot of time.
A slightly less efficient method to shop for insurance coverage online requires a visit to each company website and fill out their own quote form. For sake of this example, we’ll assume you want to compare rates from Nationwide, Progressive and Travelers. To get each rate you have to visit each site to input your insurance information, and that’s why the first method is more popular.
For a handy list of car insurance company links in your area, click here.
Whichever way you use, double check that you are using the exact same coverages and limits on every quote you get. If the quotes have differing limits it will be impossible to make a fair comparison for your Suzuki Grand Vitara.
Consumers can’t ignore all the ads for car insurance savings by companies like Progressive, Allstate and Geico. All the ads make an identical promise that you can save if you move to them.
But how can every company claim to save you money?
Different companies have a preferred profile for the type of customer that is profitable for them. For example, a preferred risk might be between 30 and 50, owns a home, and drives newer vehicles. A propective insured that hits that “sweet spot” gets the lowest rates and is almost guaranteed to cut their rates substantially.
Drivers who fall outside this ideal profile must pay higher prices which usually ends up with business not being written. The ads state “customers that switch” but not “drivers who get quotes” save that kind of money. That’s the way companies can truthfully make those claims. This illustrates why you should compare many company’s rates. You cannot predict the company that will give you the biggest savings on Suzuki Grand Vitara insurance.
Car insurance companies don’t list every available discount in an easy-to-find place, so we researched both well-publicized and the harder-to-find savings tricks you should be using. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.
Keep in mind that some credits don’t apply to the entire cost. Most only apply to specific coverage prices like comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, companies wouldn’t make money that way.
Insurance companies that possibly offer these money-saving discounts are:
Double check with each company which discounts you may be entitled to. Savings may not be available in your state.
When it comes to buying the best insurance coverage, there is no one size fits all plan. Every situation is different.
Here are some questions about coverages that can aid in determining if your insurance needs would benefit from professional advice.
If you’re not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.
Knowing the specifics of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP pay for short-term medical expenses like dental work, funeral costs and surgery. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay
Uninsured/Underinsured Motorist (UM/UIM)
Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your 2000 Suzuki Grand Vitara.
Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Coverage for liability
This protects you from damage that occurs to other’s property or people that is your fault. This insurance 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 liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.
Liability can pay for things like emergency aid, repair bills for other people’s vehicles and repair costs for stationary objects. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.
This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things such as vandalism, a broken windshield, hitting a deer and fire damage. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Collision insurance pays for damage to your Grand Vitara resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.
Collision can pay for things such as scraping a guard rail, crashing into a building and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.
We covered a lot of information how to save on 2000 Suzuki Grand Vitara insurance. The key concept to understand is the more price quotes you have, the better likelihood of reducing your rate. You may be surprised to find that the best prices are with a small local company.
As you shop your coverage around, do not buy poor coverage just to save money. There are too many instances where drivers have reduced uninsured motorist or liability limits and discovered at claim time that the small savings ended up costing them much more. The aim is to purchase plenty of coverage at the best price while not skimping on critical coverages.
Low-cost insurance is possible from both online companies in addition to many insurance agents, and you should be comparing both to have the best selection. A few companies do not provide you the ability to get quotes online and these small, regional companies work with independent agents.