How Much Does 2011 Suzuki Grand Vitara Car Insurance Cost?

Looking for the cheapest car insurance rates for your Suzuki Grand Vitara? Finding the cheapest insurance for your Suzuki Grand Vitara can turn out to be difficult, but you can follow the following methods to make it easier. There is a right way and a wrong way to find car insurance online and we’ll show you the best way to price shop coverage on a Suzuki and find the lowest possible price.

If you have a policy now or need a new policy, you can follow these tips to find the best rates while maximizing coverage. Locating affordable protection is quite easy. Vehicle owners just need to learn the tricks to compare rates online.

The quickest method to compare rates takes advantage of the fact all the major auto insurance companies actually pay money for the chance to give rate comparisons. To start a quote, the only thing you need to do is spend a couple of minutes providing details including if you went to college, marital status, driver details, and if you have a valid license. The data is instantly provided to many different companies and they return rate quotes very quickly.

If you would like to start a quote now, click here and enter the information requested.

Is there deception in advertising?

Drivers can’t escape the ads that claim the best premium rates by companies like State Farm, GEICO and Progressive. They all make an identical promise that you can save just by moving your coverage.

That’s great but how can every company offer drivers better rates? Here is how they do it.

Companies have specific guidelines for the driver that earns them a profit. For instance, this type of insured might be described as between the ages of 40 and 55, insures multiple vehicles, and drives less than 7,500 miles a year. Any new insured who matches those parameters receive the lowest rate quotes and will probably save when they switch companies.

People who cannot meet those criteria will probably have to pay more expensive rates which translates to the customer buying from someone else. The ads say “customers that switch” not “everyone who quotes” can save as much as they claim. This is how insurance companies can confidently advertise the way they do. Because of this risk profiling, it is so important to get insurance coverage quotes as often as possible. You cannot predict which insurance companies will have the lowest rates for your situation.

Buy Suzuki Grand Vitara insurance more affordably

Many different elements are part of the equation when quoting car insurance. Some are pretty understandable such as your driving history, although some other factors are not quite as obvious like where you live or how safe your car is.

  • Does insurance coverage cost less for women? – Statistics have proven females are less aggressive when driving. However, this does not mean men are worse drivers. Men and women cause auto accidents in similar percentages, but the male of the species tend to have higher claims. Men also statistically get ticketed for serious violations like reckless driving and DUI.
  • Add-on coverages could be costing you – Insurance companies have many additional coverages you can purchase if you aren’t careful. Insurance for things like rental car coverage, towing coverage, and additional equipment coverage are some examples. They may sound like good ideas when you first buy your policy, but your needs may have changed so remove them from your policy.
  • City dwellers may pay more – Having an address in less populated areas is a good thing when trying to find low car insurance rates. Lower population means a lower chance of having an accident. People in densly populated areas regularly have more auto accidents and more time behind the wheel. More time behind the wheel statistically corresponds to a higher accident and claim rate.
  • Never let your car insurance policy lapse – Going without insurance will be a guaranteed way to drive up your policy premiums. Not only will you pay higher rates, not being able to provide proof of insurance will get you fines or a revoked license.
  • Premiums can be impacted by your job – Did you know your career choice can influence rates? Occupations such as judges, architects and medical professionals generally pay the highest rates attributed to job stress and lots of time spent at work. On the flip side, occupations such as professors, historians and retirees get better rates for Grand Vitara insurance.
  • Better rates on safer vehicles – Vehicles with high crash test scores tend to have lower insurance rates. Vehicles built for safety reduce the chance of injuries and lower injury rates translates directly to fewer claims and more competitive rates for policyholders.

Earn discounts on insurance

Properly insuring your vehicles can get expensive, but companies offer discounts that could drop your premiums quite a bit. A few discounts will automatically apply at the time of purchase, but a few need to be manually applied prior to receiving the credit.

  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts may get savings of up to 25% or more.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course if it’s offered in school.
  • Driver Training Discounts – Taking time to complete a defensive driver course can save you 5% or more depending on where you live.
  • Discounts for Seat Belt Usage – Drivers who require all occupants to use their safety belts could save 15% off the PIP or medical payment premium.
  • ABS Braking Discount – Anti-lock brake equipped vehicles can stop better under adverse conditions so you can save 10 percent or more.
  • Onboard Data Collection – Insureds that choose to allow driving data collection to scrutinize when and where they use their vehicle remotely such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if they show good driving skills.
  • Life Insurance Discount – Not all companies offer life insurance, but some may give you a discounted price on car insurance if you buy a life insurance policy as well.
  • 55 and Retired – Seniors can get a discount up to 10% for Grand Vitara insurance.
  • Multiple Policy Discount – If you have multiple policies with one insurance company you could earn a discount of 10% to 20% off each policy.

We need to note that most credits do not apply to your bottom line cost. The majority will only reduce individual premiums such as comprehensive or collision. Despite the appearance that all those discounts means the company will pay you, companies wouldn’t make money that way. But any discount will bring down the amount you have to pay.

A list of companies and their offered discounts are:

  • Farm Bureau has savings for multi-policy, safe driver, driver training, multi-vehicle, 55 and retired, good student, and youthful driver.
  • State Farm may have discounts that include multiple policy, student away at school, safe vehicle, Steer Clear safe driver discount, Drive Safe & Save, passive restraint, and accident-free.
  • Progressive has discounts for multi-policy, online signing, homeowner, online quote discount, multi-vehicle, good student, and continuous coverage.
  • Allstate offers discounts including FullPay discount, utility vehicle, auto/life discount, eSmart discount, multi-policy, and resident student.
  • Nationwide may offer discounts for good student, family plan, Farm Bureau membership, defensive driving, business or organization, and anti-theft.
  • MetLife discounts include good student, good driver, claim-free, accident-free, multi-policy, defensive driver

Before buying, ask each company which discounts they offer. Some discounts listed above may not be offered in your state. To find insurance companies who offer cheap insurance quotes, click this link.

Tailor your insurance coverage to you

When buying the right insurance coverage, there really is no one size fits all plan. Each situation is unique.

Here are some questions about coverages that can help discover whether or not you might need professional guidance.

  • What is high-risk coverage and where do I buy it?
  • Does my medical payments coverage pay my health insurance deductible?
  • Which is better, split liability limits or combined limits?
  • Should I sign the liability waiver when renting a car?
  • Do I need rental car coverage?
  • What discounts do I qualify for?
  • How much can I save by bundling my policies?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered when driving on a suspended license?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Coverages available on your policy

Learning about specific coverages of your policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Liability

Liability coverage provides protection from damages or injuries you inflict on a person or their property in an accident. It protects you against other people’s claims. It does not cover 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 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims such as legal defense fees, repair bills for other people’s vehicles, medical expenses, loss of income and emergency aid. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Collision coverage

Collision coverage covers damage to your Grand Vitara caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a ditch, damaging your car on a curb, hitting a parking meter, sideswiping another vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for expenses for hospital visits, ambulance fees, X-ray expenses, surgery and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Suzuki Grand Vitara.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Comprehensive auto insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a deer, hitting a bird, a tree branch falling on your vehicle 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 not worth carrying full coverage.

Shop around and save

Affordable 2011 Suzuki Grand Vitara insurance can be sourced online and from local insurance agents, and you need to price shop both to have the best selection. There are still a few companies who may not have online quoting and most of the time these smaller providers provide coverage only through independent insurance agents.

Insureds who switch companies do it for a number of reasons such as lack of trust in their agent, questionable increases in premium, being labeled a high risk driver or even unfair underwriting practices. It doesn’t matter what your reason, finding a great new company can be pretty painless.

We just covered some good ideas how to reduce 2011 Suzuki Grand Vitara insurance rates online. The key concept to understand is the more companies you get car insurance rates for, the better your comparison will be. You may even find the most savings is with a small local company.

More information is available at the links below