Lower Your 2001 Suzuki Vitara Insurance Quotes

Tired of scraping the payment together to pay insurance each month? Your situation is no different than many other drivers.

You have multiple insurance companies to choose from, and although it’s nice to be able to choose, it makes it harder to compare company pricing.

How to buy insurance

To get cheaper insurance quotes, there a variety of ways to compare rate quotes from local insurance companies. The fastest way to find the cheapest Suzuki Vitara insurance rates consists of shopping online. This can be done in just a few minutes using one of these methods.

  • The fastest way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This form eliminates the need for separate quotation requests for each price estimate. A single, simple form gets you price quotes from several companies.
  • A different way to obtain and compare quotes online requires you to visit each company’s website and request a quote. For examples sake, let’s say you want to view quotes from Nationwide, 21st Century and GEICO. You would have to spend time on each company’s site to enter the same coverage data repeatedly, which is why the first method is quicker.

    To view a list of companies in your area, click here.

  • The most difficult method to compare price quotes is to spend your day driving to all the different insurance agencies. Comparing online rate quotes can eliminate the need for a local agent unless you have a complicated situation and need the professional assistance that you can only get from talking to an agent. It is possible to comparison shop your insurance online but buy the policy through an agent.

It doesn’t matter which method you choose, just be sure to compare the same coverage information for every quote you compare. If you compare different limits and deductibles on each one then you won’t be able to determine which company has the best rates. Having just a slight variation in insurance coverages or limits could skew the results. And when price shopping your coverage, comparing a wide range of rates gives you a better chance of getting the best rates.

Double check you’re getting with these discounts

The price of auto insurance can be rather high, but there are discounts available that you may not know about. Some of these disounts will be visible when you purchase, but a few need to be specifically requested before you get the savings.

  • Discounts for Federal Employees – Having worked for a branch of the government could qualify for a slight premium decrease for Vitara coverage with a few car insurance companies.
  • Anti-lock Brakes – Vehicles that have anti-lock braking systems prevent accidents and will save you 10% or more.
  • Air Bags and Passive Restraints – Factory options such as air bags or motorized seat belts may earn rate discounts of more than 20%.
  • First Accident Forgiveness – This one isn’t a discount, but some companies like State Farm and Allstate permit an accident before hitting you with a surcharge with the catch being you have to be claim-free before the accident.
  • Accident-Free Discounts – Insureds who avoid accidents and claims can save substantially compared to drivers with a long claim history.
  • Driving Data Discount – Drivers who elect to allow their insurance company to study driving patterns through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts as long as the data is positive.
  • Payment Method – By making one initial payment instead of making monthly payments you could save up to 5%.

It’s important to understand that most of the big mark downs will not be given to your bottom line cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. Despite the fact that it seems like adding up those discounts means a free policy, you’re out of luck.

To find insurance companies that offer discounts, follow this link.

Your situation helps dictate your coverage

When it comes to choosing adequate coverage, there is no best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether your personal situation will benefit from professional help.

  • Can my teen driver be rated on a liability-only vehicle?
  • Is business equipment covered while in my vehicle?
  • Are my friends covered when driving my car?
  • How high should deductibles be on a 2001 Suzuki Vitara?
  • I have health insurance so do I need medical payments coverage?
  • If my pet gets injured in an accident are they covered?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

Eight things that impact your insurance prices

Lots of things are used when you get a price on insurance. Some factors are common sense such as your driving history, but other factors are less obvious like your continuous coverage or your financial responsibility.

  • An active insurance claims history can cost you – If you are a frequent claim filer, don’t be surprised to see either policy cancellation or increased premiums. Companies award better rates to policyholders who only file infrequent claims. Your insurance policy is designed for more catestrophic claims.
  • Getting married can lower rates – Your spouse actually saves money on your policy. It demonstrates that you tend to be more responsible and it’s proven that being married results in fewer claims.
  • Insurance rates in urban areas – Residing in less populated areas of the country is a good thing when it comes to auto insurance. City drivers have to deal with congested traffic and more severe claims. Lower population corresponds to lower accident rates as well as less vandalism and auto theft.
  • Liability protection preserves assets – The liability section of your policy will afford coverage if ever you are determined to be liable for damages caused by your negligence. Your policy’s liability insurance provides for a legal defense starting from day one. Liability insurance is pretty cheap compared to physical damage coverage, so insureds should have plenty of protection for their assets.
  • Do you know you’re credit history? – Having a bad credit rating can be a huge factor in calculating your auto insurance rates. So if your credit score is lower than you’d like, you could be paying less to insure your 2001 Suzuki Vitara by improving your credit score. Drivers with good credit tend to be less risk to insure than drivers with poor credit scores.
  • Discounts for alarm systems – Choosing a vehicle with anti-theft technology or alarm system can help lower your rates. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your car from being stolen.
  • Increase physical damage deductibles to save – Insurance for physical damage, aka comp and collision, covers damage that occurs to your Suzuki. Examples of covered claims are running into the backend of another car, hail damage, and damage caused by flying debris. The deductibles tell how much you are willing to pay in the event of a claim. The more damage repair cost you have to pay, the lower your rates will be for Vitara coverage.
  • Combine policies and save money – Lots of insurance companies apply a discount to buyers that purchase more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount you may still want to compare other company rates to ensure the best deal. It’s possible to still save more without the discount by buying insurance from more than one company.

Tricks in insurance advertising

Companies like Progressive, Allstate and GEICO constantly bombard you with ads on TV and radio. They all tend to make the same promise about savings just by moving your policy. How can each company lower your rates? This is the trick they use.

Insurance providers have strict underwriting profiles for the type of customer that will generate a profit. For example, a profitable risk profile might be described as over the age of 35, has no prior claims, and drives less than 5,000 miles a year. Anyone that meets those criteria receive the lowest rate quotes and will probably save when switching.

Potential customers who don’t measure up to the requirements will probably be forced to pay higher prices and ends up with the customer not buying. If you pay attention, the ads say “customers that switch” but not “all drivers who get quotes” will save that much if they switch. That’s the way insurance companies can make claims like that. Each company has different criteria, so you absolutely need to do a rate comparison at every renewal. It’s impossible to know the company that will fit you best based on your risk profile.

The coverage is in the details

Understanding the coverages of your auto insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverage types found on the average auto insurance policy.

Comprehensive coverage (or Other than Collision)

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

Comprehensive coverage pays for claims such as hitting a deer, hail damage and damage from a tornado or hurricane. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like hospital visits, pain medications, ambulance fees and surgery. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Suzuki 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 is a good idea.

Collision insurance

Collision insurance pays for damage to your Vitara resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like sustaining damage from a pot hole, rolling your car, colliding with another moving vehicle, scraping a guard rail and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Coverage for liability

This can cover injuries or damage you cause to people or other property in an accident. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like court costs, medical services and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Make a quick buck

More affordable insurance coverage can be found on the web and also from your neighborhood agents, so you need to quote insurance with both to have the best chance of lowering rates. Some insurance companies do not offer online rate quotes and usually these regional insurance providers provide coverage only through independent agents.

In this article, we presented a lot of ways to shop for 2001 Suzuki Vitara insurance online. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding low cost insurance. Drivers may discover the lowest rates are with the least-expected company. They may have significantly lower car insurance rates on certain market segments compared to the large companies like State Farm and Allstate.

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