How Much Does 1999 Suzuki Grand Vitara Insurance Cost?

Looking for better insurance rates for your Suzuki Grand Vitara? High-priced Suzuki Grand Vitara insurance can take a big chunk out of your personal savings and make it tough to pay other bills. Performing a rate comparison can be a smart way to cut your insurance bill.

Drivers have multiple auto insurance companies to choose from, and though it is a good thing to have a choice, having more auto insurance companies makes it harder to compare rates.

Smart consumers take time to compare premium rates every six months because insurance prices change quite often. Even if you got the lowest price on Grand Vitara insurance a year ago other companies may now be cheaper. There is lot of inaccurate information about insurance out there, but I’m going to show you some great ways to save money.

Buying the best car insurance coverage is easy if you know what you’re doing. Basically, everyone who has to buy car insurance will be able to find better rates. Although car owners can benefit by having an understanding of the way insurance companies compete online and apply this information to your search.

Eight things that influence your insurance premiums

Part of the car insurance buying process is learning some of the elements that are used to determine the rates you pay for car insurance. When consumers understand what positively or negatively impacts your premiums, this helps enable you to make changes that could help you find better car insurance rates. Many things are considered when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, although some other factors are not quite as obvious such as whether you are married or your commute time.

  • Always keep your car insurance in force – Not maintaining insurance is a big no-no and your next policy will cost more because you let your coverage lapse. In addition to paying higher rates, being ticketed for driving with no insurance will get you fines or a revoked license.
  • Extra coverages can cost a lot – Insurance policies have a lot of extra add-on coverages you can purchase if you don’t pay attention. Coverages for roadside assistance, accident forgiveness, and membership fees are examples of these. You may think they are a good idea when deciding what coverages you need, but if you’ve never needed them in the past remove them and pocket the money.
  • Bundle and save – Many insurers will give lower prices to people who consolidate policies with them in the form of a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even if you already get this discount, you still need to compare other insurance prices to make sure you are getting the best deal.
  • Lower rates for married couples – Having a wife or husband can actually save you money when buying car insurance. Having a significant other means you’re more mature and it’s proven that drivers who are married file infrequent claims.
  • Cheaper premiums with safer cars – Vehicles with high crash test scores get lower rates. Vehicles engineered for safety reduce the chance of injuries and fewer serious injuries translates into savings for insurance companies and thus lower rates.
  • Tickets and citations cost more than a fine – How you drive influences premium rates substantially. Attentive drivers pay less for auto insurance compared to drivers with tickets. Only having one driving citation may increase your cost to the point where it’s not affordable. Drivers with flagrant citations like reckless driving or DUI may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent their license from being revoked.
  • Higher car insurance rates for specific occupations – Do you work in a high-stress field? Occupations like lawyers, business owners and dentists generally have higher premium rates due to intense work requirements and lots of time spent away from family. Other jobs such as actors, historians and performers have the lowest average rates on Grand Vitara insurance.
  • Guys tend to take more risk – Over time, data shows females are less aggressive when driving. This data doesn’t prove that females are better drivers. Women and men are in fender benders in similar numbers, but the men have costlier accidents. Not only that, but men also get higher numbers of serious violations like driving under the influence (DUI).

How to buy auto insurance online

Comparing auto insurance rates can be challenging if you don’t understand the most efficient way. You can spend your afternoon discussing policy coverages with local insurance agents in your area, or you can stay home and use the web to get rates in a matter of minutes.

Most major companies participate in a marketplace that enables customers to only type in their quote data once, and at least one company provides a quote based on that information. This system prevents you from having to do repetitive form submissions to every company.

To find out how much you can save on auto insurance click here to open in new window.

The one disadvantage to pricing coverage this way is you cannot specify which companies you want pricing from. So if you prefer to choose from a list of companies to request quotes from, we have assembled a list of companies who write auto insurance in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but be sure to compare nearly identical coverage limits and deductibles on every price quote you get. If you enter different coverage information it will be impossible to make a fair rate comparison. Just slight variations in insurance coverages or limits could mean much higher rates. And when price shopping your coverage, comparing all the rates in your area helps increase your odds of locating the best price. Not every company does quotes online, so it’s important to also get prices from them as well.

Beware of misleading insurance ads

Companies like State Farm, Geico and Progressive continually stream ads on TV and radio. All the ads advertise the message that drivers will save a bundle if you change your policy. How can each company make the same claim?

Many companies have specific criteria for the type of driver that earns them the highest profit. A good example of a preferred risk should be married and over the age of 30, has never had a claim, and has a short commute. Any person who matches those parameters will most likely get cheap car insurance rates and will cut their rates substantially.

Potential insureds who do not fit these stringent criteria will be charged a higher rate which usually ends up with the customer buying from someone else. If you pay close attention to the ads, they say “drivers that switch” but not “all drivers who get quotes” can save as much as they claim. That’s why companies can truthfully make the claims of big savings.

Because every company is different, it is so important to get insurance quotes as often as possible. Because you cannot predict which company will give you lower premium rates than your current company.

These discounts can cut insurance rates

Insuring your fleet can be pricey, but you may qualify for discounts to cut the cost considerably. Most are applied when you purchase, but occassionally some discounts must be inquired about in order for you to get them.

  • Save over 55 – Drivers that qualify as senior citizens are able to get reduced rates on Grand Vitara insurance.
  • Discount for Passive Restraints – Factory options such as air bags and/or automatic seat belt systems could see savings of 25 to 30%.
  • College Student Discount – Any of your kids who live away from home at college and do not take a car to college could get you a discount.
  • Multi-policy Discount – When you have multiple policies and insure them with the same company you may earn as much as 10 to 15 percent.
  • Defensive Driver Discounts – Taking part in a driver safety course can save you 5% or more if you qualify.
  • Multiple Vehicles – Having multiple vehicles on one policy can get a discount for every vehicle.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only cut the cost of specific coverages such as comprehensive or collision. Just because you may think you can get free auto insurance, you aren’t that lucky.

Large insurance companies and a summarized list of policyholder discounts are included below.

  • Progressive offers discounts including multi-vehicle, online quote discount, continuous coverage, homeowner, online signing, and good student.
  • MetLife discounts include multi-policy, defensive driver, claim-free, good student, accident-free, and good driver.
  • Mercury Insurance has savings for multi-policy, annual mileage, location of vehicle, age of vehicle, good driver, ease of repair, and good student.
  • Nationwide includes discounts for easy pay, business or organization, anti-theft, family plan, and multi-policy.
  • Geico has discounts for federal employee, good student, daytime running lights, anti-lock brakes, seat belt use, and multi-vehicle.
  • AAA offers premium reductions for good student, multi-car, multi-policy, education and occupation, AAA membership discount, and pay-in-full.

When quoting, ask every insurance company which discounts you may be entitled to. Savings may not apply in your area. To see insurers that can offer you the previously mentioned discounts, click here to view.

When do I need an agent’s advice?

When choosing proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Every situation is different and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether you would benefit from an agent’s advice.

  • Will filing a claim cost me more?
  • Am I covered if I hit my neighbor’s mailbox?
  • How high should my medical payments coverage be?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is there coverage for injuries to my pets?
  • Am I covered if I break a side mirror?
  • Is my ex-spouse still covered by my policy?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • I have a DUI can I still get coverage?
  • Am I covered when driving in Canada or Mexico?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.

Insurance coverage breakdown

Understanding the coverages of insurance helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages found on most insurance policies.

Comprehensive (Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like vandalism, theft, damage from flooding and rock chips in glass. The most your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision insurance

Collision coverage covers damage to your Grand Vitara caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like hitting a parking meter, sustaining damage from a pot hole, damaging your car on a curb, rolling your car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Liability auto insurance

Liability coverage protects you from damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against other people’s claims, and does not provide coverage for 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 commonly see values of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for things like repair bills for other people’s vehicles, pain and suffering, emergency aid, repair costs for stationary objects and medical services. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Suzuki Grand Vitara.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are similar to your liability insurance amounts.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for bills like funeral costs, doctor visits, chiropractic care and rehabilitation expenses. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

You can do this!

As you restructure your insurance plan, never skimp on critical coverages to save a buck or two. In many cases, someone dropped uninsured motorist or liability limits only to discover later that their decision to reduce coverage ended up costing them more. The goal is to buy enough coverage at the best cost and still be able to protect your assets.

We just covered some good ideas how to reduce 1999 Suzuki Grand Vitara insurance prices online. The key concept to understand is the more companies you get rates for, the better chance you’ll have of finding cheap insurance. Drivers may discover the lowest priced auto insurance comes from a smaller regional carrier. These companies can often provide lower rates in certain areas than the large multi-state companies such as Allstate, Geico and Progressive.

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