View 2009 Suzuki XL-7 Insurance Rates

Are you regretting buying an expensive auto insurance policy? Don’t sweat it because many drivers feel the same as you.

Popular companies such as State Farm, GEICO and Farmers Insurance all claim big savings with ads and it can be hard to ignore the flashy ads and do the work needed to find the best deal.

If you have car insurance now, you will most likely be able to cut costs considerably using these methods. Buying car insurance is not that difficult. Although drivers can benefit from knowing the methods companies use to sell online and take advantage of how the system works.

Decisions you make can impact your insurance prices

When buying auto insurance it’s important to understand some of the factors that play a part in calculating your premiums. If you have a feel for what impacts premium levels, this enables informed choices that could help you find lower rates. Multiple criteria are considered when quoting car insurance. Some are obvious like an MVR report, although others are not quite as obvious like your vehicle usage or how safe your car is.

  • Getting married is a good thing – Being married may earn you lower rates on your policy. Marriage demonstrates that you tend to be more stable financially and insurance companies like that drivers who are married file infrequent claims.
  • Proper usage rating affects costs – The more you drive every year the higher your rate. Almost all companies charge rates based on their usage. Autos used primarily for pleasure use can be on a lower rate level than vehicles that are driven to work every day. A policy that improperly rates your XL-7 can result in significantly higher rates. It’s a good idea to make sure your declarations sheet properly reflects the right rating data, because improper ratings can cost you money.
  • High coverage deductibles equal low rates – Physical damage coverage, aka comp and collision, is used to repair damage to your vehicle. Some examples of claims that would be covered are a windshield shattered by a rock, damage from fire, and rolling your vehicle. Physical damage deductibles represent how much money you are willing to pay out-of-pocket if a covered claim is submitted. The more of the claim you pay before a claim is paid (deductible), the less your auto insurance will be on XL-7 insurance.
  • Only buy what you need – There are quite a few additional extra coverages that can waste your money if you aren’t diligent. Insurance for personal injury protection, high-cost glass coverage, and Farm Bureau memberships are probably not needed. They may seem good initially, but your money might be better spent on other coverage so remove them from your policy.
  • Liability insurance is important – The liability section of your policy will afford coverage if ever a court rules you are at fault for damages caused by your negligence. Your liability coverage provides legal defense coverage to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.
  • Lower rates with alarm systems – Selecting a car model with anti-theft technology or alarm system can save you some money. Theft prevention features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop auto theft and help lower rates.
  • City traffic equals higher costs – Having an address in a small town can be a good thing if you are looking for the lowest rates. Less people living in that area means reduced accidents and lower theft and vandalism rates. Urban drivers tend to have congested traffic and a longer drive to work. Higher commute times means a statistically higher chance of an accident.

Get lower rates with these car insurance discounts

Car insurance is expensive, but there may be some discounts that can help lower your rates. Some discounts will apply when you quote, but some may not be applied and must be asked about in order for you to get them.

  • Active Service Discounts – Being on active deployment in the military can result in better premium rates.
  • Pay Upfront and Save – By paying your entire bill at once rather than spreading payments over time you can actually save on your bill.
  • Clubs and Organizations – Participating in certain professional organizations may earn a discount on your bill.
  • Discounts for New Vehicles – Putting insurance on a new car can get you a discount because newer models have to meet stringent safety requirements.
  • Student in College – Youth drivers who live away from home to go to college and don’t have a car could qualify for this discount.
  • One Accident Forgiven – but companies like Libery Mutual, GEICO and Allstate allow you one accident before hitting you with a surcharge if you have no claims for a certain period of time.
  • Safety Course Discount – Taking a class that teaches safe driver techniques is a good idea and can lower rates if your company offers it.

Discounts reduce rates, but you should keep in mind that most credits do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as comprehensive or collision. So when the math indicates you could get a free car insurance policy, it’s just not the way it works.

A list of companies and a summarized list of policyholder discounts are:

  • AAA may include discounts for pay-in-full, education and occupation, AAA membership discount, good student, and anti-theft.
  • Progressive policyholders can earn discounts including multi-policy, online signing, good student, continuous coverage, online quote discount, and multi-vehicle.
  • State Farm offers discounts including multiple autos, student away at school, good student, good driver, passive restraint, Steer Clear safe driver discount, and multiple policy.
  • Esurance includes discounts for homeowner, anti-theft, anti-lock brakes, online quote, good student, DriveSense, and Switch & Save.
  • Nationwide has discounts for business or organization, defensive driving, easy pay, multi-policy, family plan, anti-theft, and Farm Bureau membership.

Before buying, ask each company the best way to save money. Some credits may not apply to policies everywhere. To see insurers who offer cheap car insurance quotes, click here to view.

The largest companies are not always cheapest

Big name companies like State Farm, GEICO and Progressive consistently run ads in print and on television. All the companies make an identical promise about how much you will save if you just switch your insurance policy to them. How do they all make the same claim? It’s all in the words they use.

Many companies have an ideal profile for the type of customer that will generate a profit. A good example of a desirable risk should be over the age of 50, carries full coverage, and has a short commute. A customer that matches those criteria receive the lowest rate quotes and have a good chance to save if they switch.

Consumers who do not match this ideal profile will be charged a higher rate and ends up with the customer not purchasing. Company advertisements say “drivers who switch” not “everyone that quotes” save that much when switching. That is how insurance companies can confidently advertise the way they do.

Because each company has a different risk profile, you absolutely need to compare as many free insurance quotes as you can. Because you never know which company will be your best fit.

Insurance coverage can get complicated

When it comes to buying coverage, there is no “best” method to buy coverage. Every situation is different so your insurance needs to address that. Here are some questions about coverages that could help you determine whether you may require specific advice.

  • Can I get a multi-policy discount?
  • Does coverage extend to my business vehicle?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • When can my company non-renew my policy?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered if hit by an uninsured driver?
  • Do I pay less for low miles?
  • Is my Suzuki XL-7 covered if I use it for business?
  • Am I covered if I hit my neighbor’s mailbox?

If you can’t answer these questions, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Insurance coverages 101

Understanding the coverages of a insurance policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are the usual coverages offered by insurance companies.

Liability insurance

This coverage will cover injuries or damage you cause to a person or their property in an accident. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

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 policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage pays for claims like medical services, repair costs for stationary objects, medical expenses and funeral expenses. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for short-term medical expenses for funeral costs, EMT expenses, ambulance fees, nursing services and hospital visits. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like rock chips in glass, fire damage, hitting a deer and damage from flooding. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision insurance pays for damage to your XL-7 resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as rolling your car, crashing into a ditch and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Suzuki XL-7.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Take this to the bank

Low-cost 2009 Suzuki XL-7 insurance can be found online in addition to many insurance agents, so you should compare both to have the best selection. A few companies may not offer online price quotes and most of the time these small insurance companies only sell coverage through independent insurance agencies.

You just learned many ideas to save on 2009 Suzuki XL-7 insurance. The key concept to understand is the more companies you get rates for, the better chance you’ll have of finding low cost insurance. You may be surprised to find that the lowest priced auto insurance comes from a lesser-known regional company. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive or GEICO.

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