2013 Suzuki Grand Vitara Car Insurance Quotes

Searching for the cheapest insurance for your Suzuki Grand Vitara could be a painful process, but you can learn a few tricks and make it easy. There are more efficient ways to shop for auto insurance so we’re going to tell you the quickest way to price shop coverage for a new or used Suzuki and find the best price possible from both online companies and local agents.

Consumers need to do price comparisons before your next renewal because auto insurance rates change regularly. Even if you think you had the lowest premium rates on Grand Vitara coverage two years ago there may be better deals available now. You’ll find a ton of advice on auto insurance online but in a few minutes you can learn some tested techniques to lower your auto insurance bill.

Discount insurance rates

Companies don’t always advertise the entire discount list very well, so the list below gives a summary of both the well known as well as the least known savings tricks you should be using when you buy insurance online.

  • Discount for Life Insurance – If the company offers life insurance, you could get lower premium rates if you buy some life insurance too.
  • New Vehicle Savings – Buying a new car model can cost up to 25% less since new model year vehicles have better safety ratings.
  • Mature Driver Discount – Older drivers may receive reduced rates on Grand Vitara coverage.
  • Passive Restraints – Vehicles equipped with air bags may earn rate discounts of 20% or more.
  • No Accidents – Drivers who don’t have accidents pay much less when compared to policyholders that have many claims.
  • Payment Discounts – If you pay your entire premium ahead of time rather than paying in monthly installments you can avoid monthly service charges.
  • Theft Prevention Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and can earn a small discount on your policy.
  • Telematics Devices – Insureds that choose to allow their insurance company to analyze vehicle usage by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if they have good driving habits.
  • Clubs and Organizations – Joining a qualifying organization could earn you a nice discount on your bill.

Consumers should know that most credits do not apply to the entire policy premium. Some only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, you aren’t that lucky.

The best insurance companies and some of the discounts are outlined below.

  • GEICO offers discounts including federal employee, anti-lock brakes, defensive driver, five-year accident-free, driver training, membership and employees, and good student.
  • SAFECO offers discounts for homeowner, anti-lock brakes, teen safety rewards, teen safe driver, multi-car, and drive less.
  • State Farm has discounts for multiple autos, student away at school, driver’s education, good driver, Drive Safe & Save, anti-theft, and passive restraint.
  • MetLife discounts include multi-policy, good driver, claim-free, defensive driver, good student, and accident-free.
  • 21st Century may include discounts for theft prevention, 55 and older, air bags, student driver, and teen driver.
  • Progressive policyholders can earn discounts including multi-vehicle, good student, online quote discount, homeowner, multi-policy, and continuous coverage.

It’s a good idea to ask every insurance company which discounts can lower your rates. Some discounts might not be available to policyholders everywhere.

Shop insurance online

Comparing insurance rates can be a lot of work if you aren’t aware of the best way to get rate quotes. You could spend the better part of a day driving to local insurance agents in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

The majority of car insurance companies belong to a marketplace that enables customers to submit one quote, and every company then gives them pricing determined by their information. This eliminates the need for quotation requests to every company.

To use this form to compare rates click here to open in new window.

The single downside to getting quotes like this is buyers cannot specifically choose which carriers to receive prices from. If you prefer to choose from a list of companies to compare rates, we have assembled a list of companies who write insurance in your area. View list of insurance companies.

The method you choose is up to you, but make darn sure you compare identical coverage limits on every quote you get. If your comparisons have higher or lower deductibles it will be next to impossible to get a fair rate comparison.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions can help discover whether or not you may require specific advice.

  • What should my uninsured motorist coverage limits be in my state?
  • Why am I required to get a high-risk car insurance policy?
  • Do I pay less for low miles?
  • Should I buy only the required minimum liability coverage?
  • Should I carry comprehensive and collision coverage?
  • Do I benefit by insuring my home with the same company?
  • Is motorclub coverage worth it?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and can help protect your family.

Insurance coverage options for a 2013 Suzuki Grand Vitara

Knowing the specifics of your insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy.

Liability

Liability insurance can cover damage that occurs to other people or property that is your fault. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims such as medical services, emergency aid, attorney fees, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but buy higher limits if possible.

Coverage for uninsured or underinsured drivers

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for hospital visits, dental work and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Collision insurance

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

Collision insurance covers claims such as sustaining damage from a pot hole, colliding with another moving vehicle, rolling your car, damaging your car on a curb and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive insurance

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hail damage, damage from flooding and damage from getting keyed. The most 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.

The bottom line

As you quote insurance, it’s not a good idea to sacrifice coverage to reduce premiums. There are many occasions where an insured dropped comprehensive coverage or liability limits only to regret at claim time they didn’t purchase enough coverage. The aim is to buy enough coverage for the lowest price.

Throughout this article, we presented many ways to save on 2013 Suzuki Grand Vitara insurance. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the lowest prices come from a smaller regional carrier.

Consumers who switch companies do it for any number of reasons including extreme rates for teen drivers, policy non-renewal, questionable increases in premium or lack of trust in their agent. Whatever your reason, choosing a new insurance company is not as hard as you think.

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