2003 Suzuki Grand Vitara Car Insurance Quotes – 9 Tips for Best Rates

Do you get frustrated by the number of car insurance choices in your area? Consumers have so many options that it can easily become a lot of work to find a cheaper company.

Shopping for cheaper coverage is quite easy. Basically, anyone who has to buy insurance coverage will most likely be able to find better rates. Although car owners must understand how insurance companies price insurance differently and take advantage of how the system works.

Drivers save money with with these nine discounts

Some insurers don’t always list the complete list of policy discounts very clearly, so the following list contains a few of the more well known as well as the least known savings tricks you should be using when you buy auto insurance online.

  • Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive so companies give up to a 10% discount.
  • Fewer Miles Equal More Savings – Driving fewer miles could earn cheaper rates.
  • Data Collection Discounts – Insureds who allow driving data submission to study driving habits by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease as long as the data is positive.
  • Driver Training Discounts – Participating in a driver safety course could cut 5% off your bill if your company offers it.
  • Employee of Federal Government – Simply working for the federal government may reduce rates when you quote auto insurance on Grand Vitara coverage with some insurance companies.
  • Buy New and Save – Buying a new car instead of a used car can save you some money due to better safety requirements for newer vehicles.
  • Discount for Swiching Early – Some larger companies provide a discount for buying a policy before your current expiration date. The savings is around 10%.
  • Theft Deterent System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and will save you 10% or more.
  • Student in College – Any of your kids who live away from home at college without a vehicle on campus could qualify for this discount.

Please keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only apply to individual premiums such as comp or med pay. So when it seems like all the discounts add up to a free policy, nobody gets a free ride.

Some of the insurance companies that may offer quotes with some of the discounts shown above are:

If you need lower rates, check with every prospective company the best way to save money. Some of the discounts discussed earlier may not apply in your area. To choose providers that have a full spectrum of discounts, click here to view.

Can switching companies really save?

Insurance companies such as State Farm, GEICO and Progressive constantly bombard you with television, radio, and online ads. All the companies have a common claim about how much you will save if you get a free auto insurance quote and switch your policy. That’s great but how can every company charge you a lower premium? This is how they do it.

Insurance providers offer their best rates for a prospective insured that will generate a profit. A good example of a profitable insured could possibly be married and over the age of 30, has never had a claim, and insures a new vehicle. Any person who fits those characteristics will qualify for the lowest prices and most likely will cut their rates substantially.

Potential customers who cannot meet the ideal profile may be forced to pay a higher premium which results in the driver buying from a lower-cost company. If you listen to the ad wording, they say “people who switch” but not “all drivers who get quotes” save the amount stated. That’s the way companies can make the claims of big savings.

This really illustrates why you need to get auto insurance quotes from several different companies. It’s impossible to know with any certainty which company will be your best fit.

Your situation helps dictate your coverage

When choosing coverage for your personal vehicles, there is no best way to insure your cars. Every situation is different.

For example, these questions may help highlight whether you would benefit from professional advice.

  • Do I need roadside assistance coverage?
  • Should I rate my 2003 Suzuki Grand Vitara as pleasure use or commute?
  • What happens if I owe more than my 2003 Suzuki Grand Vitara is worth?
  • When should I not file a claim?
  • Do I have coverage when making deliveries for my home business?
  • Which is better, split liability limits or combined limits?
  • What exactly is covered by my policy?
  • Am I covered when driving a rental car?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Specific coverage details

Knowing the specifics of your policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive auto insurance

This covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, damage from getting keyed, damage from flooding, falling objects and theft. The highest amount you’ll receive from a claim 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.

Liability

Liability coverage will cover injuries or damage you cause to a person or their property that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as loss of income, court costs, legal defense fees, medical expenses and emergency aid. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Collision coverage

Collision insurance will pay to fix damage to your Grand Vitara resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sustaining damage from a pot hole, crashing into a ditch, driving through your garage door, scraping a guard rail and crashing into a building. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also bump up the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your Suzuki Grand Vitara.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for bills for things like EMT expenses, hospital visits and funeral costs. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Be a penny pincher

Cost effective 2003 Suzuki Grand Vitara insurance can be purchased both online in addition to many insurance agents, and you need to price shop both to have the best chance of lowering rates. A few companies do not provide online price quotes and usually these small insurance companies only sell coverage through independent insurance agencies.

As you restructure your insurance plan, do not sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced physical damage coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at the lowest possible cost, not the least amount of coverage.

We just presented a lot of tips how to reduce 2003 Suzuki Grand Vitara insurance car insurance rates online. The key thing to remember is the more you quote auto insurance, the higher your chance of finding cheap auto insurance. Consumers may even find the biggest savings come from the smaller companies.

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