View 2003 Suzuki Vitara Insurance Quotes

Want the cheapest insurance rates for your Suzuki Vitara? Are you burned out from sacrificing other expenses to buy insurance? You are in the same boat as many other drivers. Drivers have many insurers to pick from, and although it’s a good thing to be able to choose, it can be more difficult to compare rates and find the lowest cost insurance.

You should take the time to get comparison quotes before your policy renews because prices change frequently. Even if you think you had the best price for Vitara insurance six months ago you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about insurance on the internet, but by reading this article, you’re going to learn some proven techniques to lower your insurance rates.

How to get insurance coverage price quotes

Getting a low cost price on 2003 Suzuki Vitara insurance is a fairly straight forward process. The only thing you need to do is take time getting comparison quotes to find. It’s super easy and can be done by using one of the methods below.

Probably the best way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This easy form saves time by eliminating separate quotation requests for each company. One form submission gets rate comparisons from several companies.

A more time consuming way to get quotes online is spending the time to visit the website for every company you want to comare and repeat the quote process again and again. For instance, we’ll pretend you want to compare prices for Farmers, Progressive and American Family. To get rate quotes you would need to go to each individual site to enter the same coverage data repeatedly, which is why the first method is more popular. For a list of companies in your area, click here.

The least recommended method to get comparison rates to each insurance agency near you. Quoting online reduces the need to sit down with an agent unless your situation requires the advice and guidance that can only be provided by a licensed insurance agent. However, consumers can find lower rates online and still use a local agent.

The approach you take is up to you, just make darn sure you compare apples-to-apples coverage limits and deductibles with every price quote. If you use different limits and deductibles on each one then you won’t be able to determine the best price for your Suzuki Vitara.

Don’t overlook these auto insurance discounts

Companies that sell car insurance do not advertise every policy discount very well, so the next list breaks down some of the more common and also the more inconspicuous credits that you can use to lower your rates.

Early Switch Discount – A few companies give discounts for buying a new policy prior to your current policy expiration. It can save you around 10%.
Discount for New Cars – Adding a new car to your policy may earn a small discount because newer models have to meet stringent safety requirements.
Discounts for Multiple Vehicles – Buying a policy with multiple vehicles with the same company may reduce the rate for each vehicle.
Driver Education Discount – Teen drivers should successfully complete driver’s ed class as it can save substantially.
Auto/Home Discount – If you combine your home and auto policies and insure them with the same company they may give you a discount of at least 10% off all policies.
ABS and Traction Control Discounts – Cars and trucks equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.

Please keep in mind that most discount credits are not given to all coverage premiums. Some only reduce specific coverage prices like physical damage coverage or medical payments. So even though you would think adding up those discounts means a free policy, it just doesn’t work that way.

A list of auto insurance companies and a summarized list of policyholder discounts include:

Farmers Insurance has savings for switch companies, multi-car, mature driver, bundle discounts, alternative fuel, and electronic funds transfer.
Esurance policyholders can earn discounts including multi-policy, online quote, emergency road assistance, defensive driver, anti-theft, and safety device.
State Farm offers discounts for passive restraint, anti-theft, multiple policy, Drive Safe & Save, driver’s education, and defensive driving training.
GEICO offers premium reductions for emergency military deployment, daytime running lights, federal employee, anti-theft, and defensive driver.
Allstate discounts include early signing, good payer, good student, eSmart discount, economy car, and EZ pay plan discount.

It’s a good idea to ask each company or agent the best way to save money. Savings may not be offered everywhere.

When to get professional advice

When it comes to buying the right insurance coverage for your vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions might help in determining whether you would benefit from an agent’s advice.

How much liability insurance is required?
Is a blown tire covered by insurance?
Does my insurance cover a custom paint job?
Should I drop comprehensive coverage on older vehicles?
Does liability extend to a camper or trailer?
Do I pay less for low miles?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Car insurance coverages for a 2003 Suzuki Vitara

Knowing the specifics of a insurance policy can help you determine appropriate coverage for your vehicles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most insurance policies.

Coverage for liability

This protects you from injuries or damage you cause to a person or their property in an accident. This coverage protects you against other people’s claims, and doesn’t 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. You might see values of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as legal defense fees, structural damage, loss of income and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like surgery, X-ray expenses and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. 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 and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Suzuki Vitara.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like crashing into a building, hitting a parking meter and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as fire damage, falling objects, damage from flooding and rock chips in glass. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.