Lower Your 2003 Suzuki Vitara Car Insurance Rates

Trying to find cheaper insurance rates for your Suzuki Vitara? Nobody I know cherishes buying insurance, in particular when the price is too high.

With so many insurance companies to choose from, it can be hard to pick the right insurance company.

Smart consumers take time to do rate comparisons once or twice a year since insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the lowest price on Vitara insurance a few years ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about insurance because you’re about to find out one of the best ways to find the best coverage while lowering your premiums.

This information will teach you how to get online quotes and some money-saving tips. If you currently have a car insurance policy, you should be able to reduce your rates substantially using these methods. Although drivers must know how the larger insurance companies price online insurance and take advantage of how the system works.

Comprehensive Insurance Coverage Comparison Quotes

The are a couple different ways to get quotes from insurance coverage companies in your area. The best way to find the cheapest 2003 Suzuki Vitara insurance rates consists of obtaining rate quotes online. This is very easy and can be done using a couple different methods.

The fastest way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This form saves time by eliminating separate quote forms for each company. A single, simple form gets you coverage quotes from insurance coverage companies with the best prices.

Another way to obtain and compare quotes online requires a visit to the website for each individual company and fill out their own quote form. For example, we’ll pretend you want comparison quotes from Liberty Mutual, State Farm and Progressive. To get each rate you have to go to every website and enter your policy data, which is why the first method is quicker. To view a list of companies in your area, click here.

However you get your quotes, be sure to compare exactly the same coverages and limits with every price quote. If you are comparing different values for each quote you can’t possibly decipher which rate is best. Having just a slight variation in coverages may result in large price differences. And when comparing insurance coverage rates, know that getting more free quotes helps you find the best offered rates.

How much can you save with discounts?

The cost of insuring your cars can be expensive, but there could be available discounts to reduce the price significantly. Larger premium reductions will be automatically applied at the time you complete a quote, but some must be manually applied before you will receive the discount.

  • Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Low Mileage – Keeping the miles down on your Suzuki can earn better rates on cars that stay parked.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% off your medical payments premium.
  • No Accidents – Drivers who don’t have accidents pay much less as compared to accident-prone drivers.
  • Passive Restraint Discount – Cars that have air bags may earn rate discounts of up to 25% or more.
  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
  • Accident Forgiveness – A handful of insurance companies will forgive one accident without raising rates if your claims history is clear for a certain period of time.
  • Sign Online – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Most only cut individual premiums such as comp or med pay. Just because it seems like having all the discounts means you get insurance for free, you’re out of luck. Any qualifying discounts will help reduce your premiums.

For a list of providers offering car insurance discounts, follow this link.

How much car insurance do I need?

When it comes to buying the best insurance coverage coverage, there isn’t really a “best” method to buy coverage. Every situation is different so your insurance needs to address that. For instance, these questions may help highlight if your insurance needs could use an agent’s help.

  • Is there coverage for injuries to my pets?
  • Is my teenager covered with friends in the car?
  • How do I insure my teen driver?
  • Am I covered if I drive in a foreign country?
  • Do I need medical payments coverage since I have good health insurance?
  • How much liability do I need to cover my assets?
  • What if I owe more than I can insure my car for?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Detailed coverages of your insurance policy

Learning about specific coverages of your policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages found on most insurance policies.

Comprehensive coverages – Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, falling objects, theft and damage from flooding. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverages – This covers damage to your Vitara resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like rolling your car, hitting a parking meter, driving through your garage door, sideswiping another vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage – This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Suzuki Vitara.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Normally these limits are set the same as your liablity limits.

Coverage for medical payments – Med pay and PIP coverage provide coverage for short-term medical expenses such as nursing services, chiropractic care, pain medications, ambulance fees and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Liability – This coverage will cover damage that occurs to other people or property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like structural damage, pain and suffering and repair costs for stationary objects. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Feed the piggy bank

Discount 2003 Suzuki Vitara insurance can be found from both online companies as well as from independent agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies don’t offer online quoting and these small insurance companies work with independent agents.

In this article, we presented quite a bit of information on how to compare insurance prices online. The key thing to remember is the more you quote, the better your chances of lowering your rates. You may be surprised to find that the lowest premiums are with a small mutual company. They often have lower prices on specific markets compared to the large companies like State Farm, Geico and Nationwide.

Even more information is available by following these links: