How Much Does 2012 Suzuki Grand Vitara Insurance Cost?

Looking for lower insurance rates for your Suzuki Grand Vitara? Finding low-cost insurance for a new or used Suzuki Grand Vitara could be difficult, but you can follow the following methods to make it easier. There is a right way and a wrong way to compare insurance rates and we’ll show you the proper way to compare rates on a Suzuki and locate the lowest price.

Complexity of Suzuki Grand Vitara insurance rates

An important part of buying insurance is that you know the rating factors that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that could result in lower auto insurance prices.

  • Choose a safe vehicle and save – Vehicles with high crash test scores tend to have better insurance rates. These vehicles protect occupants better and lower injury rates translates into fewer and smaller insurance claims and thus lower rates. If your Suzuki earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Where you live can impact rates – Residing in a small town has it’s advantages when buying auto insurance. Urban drivers have congested traffic and longer commutes to work. Lower population means a lower chance of having an accident and a lower car theft rate.
  • Rates may be lower depending on your job – Did you know that where you work can have an impact on rates? Jobs such as real estate brokers, business owners and accountants are shown to have higher rates than average because of high stress levels and long work hours. On the flip side, occupations such as farmers, athletes and performers pay the least for Grand Vitara insurance.
  • High numbers of claims are not good – Auto insurance companies give cheaper rates to drivers who do not rely on their insurance for small claims. If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Car insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Your age impacts your rates – Young drivers are statistically proven to get distracted easily when driving so auto insurance rates are higher. If you’ve ever had to add a youthful driver to your auto insurance policy can really hurt. More mature drivers are more responsible, tend to cause fewer accidents and receive fewer citations.
  • Save money with special equipment – Driving a car with a theft deterrent system can get you a discount on your auto insurance. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your vehicle from being stolen.
  • Pleasure use or commuting – The more miles you rack up on your Suzuki each year the more you’ll pay to insure your vehicle. Most insurance companies apply a rate determined by how the vehicle is used. Cars used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. Double check that your auto insurance policy is rated on how each vehicle is driven. Incorrect usage on your Grand Vitara can cost quite a bit.
  • What are your deductibles? – Deductibles for physical damage represent how much money you are willing to pay before your auto insurance pays a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of covered claims are colliding with a building, collision with an animal, and windstorm damage. The higher the amount you’re willing to pay, the less your auto insurance will be for Grand Vitara insurance.

Which Car Insurance is Cheapest?

Effectively comparing car insurance prices can be a lot of work if you don’t utilize the fastest way to get free quotes. You could waste time talking to insurance agencies in your area, or you could use the internet to get rate comparisons in just a few minutes.

Most car insurance companies are enrolled in a marketplace that enables customers to send in one quote, and each company then returns a price quote for coverage. This system prevents you from having to do form submissions for every car insurance company.

To access this free quoting program, click here to open in new window.

The only downside to comparing rates this way is buyers cannot specifically choose the insurers to get quotes from. So if you prefer to pick individual companies for rate comparison, we have a page of low cost car insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but make absolute certain that you use exactly the same information on every quote. If you have different deductibles it will be impossible to determine which rate is truly the best.

Switch companies and save? Really?

Consumers constantly see and hear ads for cheaper car insurance by companies like Allstate and Progressive. They all seem to make an identical promise about savings if you move to them.

But how can every company claim to save you money?

Insurance companies have a certain “appetite” for the type of customer they prefer to insure. A good example of a preferred risk might be between 25 and 40, has no prior claims, and chooses high deductibles. A customer getting a price quote who meets those qualifications will get the preferred rates and is almost guaranteed to save when they switch companies.

Potential customers who don’t measure up to this ideal profile must pay more money which leads to the driver buying from a lower-cost company. The ads state “drivers who switch” not “people who quote” save that much money. This is how companies can claim big savings. This illustrates why it’s extremely important to quote coverage with many companies. It’s not possible to predict which insurance coverage company will provide you with the cheapest Suzuki Grand Vitara insurance rates.

How much can you save with discounts?

Companies offering auto insurance don’t list every discount very clearly, so we took the time to find both well-publicized as well as the least known ways to save on auto insurance. If you’re not getting every credit possible, you’re paying more than you need to.

  • Accident Free – Claim-free drivers can save substantially as compared to bad drivers.
  • Multiple Vehicles – Insuring multiple vehicles on the same auto insurance policy qualifies for this discount.
  • Good Students Pay Less – Getting good grades can save 20 to 25%. The good student discount can last up to age 25.
  • No Charge for an Accident – Certain companies will forgive one accident before raising your premiums as long as you don’t have any claims prior to the accident.
  • Passive Restraints – Factory air bags or automatic seat belts may earn rate discounts of more than 20%.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Most only cut specific coverage prices like liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn’t make money that way.

Insurance companies that possibly offer some of the above discounts may include but are not limited to:

Before buying, ask all companies you are considering how you can save money. Savings may not be available in your state.

How much car insurance do I need?

When choosing the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions can help discover whether your personal situation could use an agent’s help.

  • What is the rate difference between pleasure use and commuting?
  • What vehicles should carry emergency assistance coverage?
  • If my 2012 Suzuki Grand Vitara is totaled, can I afford another vehicle?
  • Is a blown tire covered by insurance?
  • I have health insurance so do I need medical payments coverage?
  • Does my personal policy cover me when driving out-of-state?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and may give you better protection.

Coverage specifics

Learning about specific coverages of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Liability car insurance – This coverage provides protection from injuries or damage you cause to other people or property in an accident. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as repair costs for stationary objects, funeral expenses, structural damage, emergency aid and court costs. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Collision – This coverage covers damage to your Grand Vitara caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like sideswiping another vehicle, backing into a parked car, crashing into a building, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as rehabilitation expenses, surgery, chiropractic care and doctor visits. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, a tree branch falling on your vehicle, fire damage, a broken windshield and damage from flooding. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Never pay more for less

Insureds leave their current company for many reasons like delays in paying claims, an unsatisfactory settlement offer, high prices or not issuing a premium refund. It doesn’t matter what your reason, choosing a new company is not as difficult as it may seem.

Budget-conscious 2012 Suzuki Grand Vitara insurance is definitely available on the web and with local insurance agents, so you should be comparing quotes from both to have the best rate selection. Some auto insurance companies do not offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

As you go through the steps to switch your coverage, don’t be tempted to buy poor coverage just to save money. Too many times, someone sacrificed full coverage to discover at claim time that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

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