Cheaper 1999 Suzuki Vitara Insurance Rates

Trying to find more affordable Driversinsurance coverage can be quite difficult for drivers who are new to quoting and comparing rates online. With so many insurers available, it can easily become a challenge to find cheaper rates.

Compare car insurance rates

When shopping for the cheapest auto insurance quotes, there are a couple of ways to compare prices from lots of car insurance companies. The best method to find cheaper Suzuki Vitara rates involves getting comparison quotes online. It’s really quite simple and can be done in a couple minutes as outlined below.

  • The recommended way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This style of form prevents you from having to do repetitive form submissions for every prospective company. A single form gets you coverage quotes from multiple low-cost companies. Just one form and you’re done.
  • Another way to compare prices is to manually visit the website for each individual company to complete a price quote. For example, let’s assume you want comparison quotes from Auto-Owners, Farmers and American Family. You would be required to visit each site and punch in your information repeatedly, and that explains why we recommend the first method. For a list of companies in your area, click here.

Whichever method you choose, do your best to use apples-to-apples coverage information with each company. If you compare mixed coverages it’s not possible to get a fair rate comparison. Slightly different insurance coverages can mean a large discrepancy in price. And when comparison shopping, comparing more company’s prices provides better odds of finding lower pricing. Some companies don’t provide rate quotes online, so it’s necessary to compare price quotes from the smaller companies as well.

Advertising myths

Insurance companies such as Progressive, Allstate and Geico consistently run television, radio, and online ads. They all seem to have a common claim that people will save if you switch your policy. How does every company make almost identical claims?

All the different companies have specific characteristics for the type of driver that will most likely be profitable. For example, a profitable insured might be described as a female over age 40, has never had a policy lapse, and drives a safe vehicle. A propective insured that fits those parameters will get low car insurance rates and as a result will probably save if they switch.

People who do not match this ideal profile may receive higher premium rates and the customer buying from a different company. The ads say “drivers who switch” not “all people who quote” can save as much as they claim. That is how companies can make claims that they all have the best rates.

This illustrates why it is so important to compare many company’s rates. It’s just too difficult to predict which company will fit you best based on your risk profile.

Quote Suzuki Vitara insurance cheaper

Many different elements are used in the calculation when pricing auto insurance. A few of the factors are predictable such as your driving history, although others are more transparent like where you live and annual miles driven.

  • Discounts for married couples – Your spouse may save some money on your insurance coverage policy. Having a spouse means you’re more mature and responsible it has been statistically shown that married drivers get in fewer accidents.
  • Your location is important – Choosing to live in a rural area has it’s advantages when it comes to insurance coverage. Residents of big cities tend to have more traffic problems and longer commute times. Fewer drivers means less chance of accidents as well as less vandalism and auto theft.
  • Gals tend to be lower risk – Statistics have proven women tend to be less risk to insure than men. It does not mean men are worse drivers. Males and females cause auto accidents at about the same rate, but guys cause more damage. Not only that, but men also get cited for more serious violations like DUI and reckless driving. Male drivers age 16 to 19 are the most expensive to insure and therefore pay the highest rates.
  • Small coverages can add up – Insurance companies have many additional coverages that can waste your money if you aren’t diligent. Coverage for things like replacement cost coverage, better glass coverage, and Farm Bureau memberships may not be needed and are just wasting money. They may seem like a good idea when discussing your needs, but now you might not need them so think about removing them and cutting costs.
  • Teen driver insurance premiums – Beginning drivers are statistically proven to be easily distracted behind the wheel and because of this, their insurance coverage rates are much higher. Adding a beginning driver onto your insurance coverage can increase premiums substantially. Older insureds are more cautious drivers, statistically cause fewer accidents and are safer drivers.

Are you receiving every discount?

Some insurance providers don’t necessarily list all their discounts in an easy-to-find place, so the next list breaks down a few of the more common as well as some of the hidden credits that you can use to lower your rates. If you do not check that you are getting every discount available, it’s possible you qualify for a lower rate.

  • Military Deployment Discount – Being on active deployment in the military could be rewarded with lower rates.
  • Theft Deterent – Cars and trucks with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Drivers Ed for Students – It’s a good idea to have your young drivers participate in a local driver’s education class as it can save substantially.
  • Low Miles Discount – Driving fewer miles may enable drivers to earn lower premium rates due to less chance of an accident.
  • Safe Driver Discount – Accident-free drivers may receive a discount up to 45% for Vitara insurance than less cautious drivers.
  • Smart Student Discounts – Maintaining excellent grades can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.

Don’t be surprised that most discount credits are not given to your bottom line cost. Some only reduce individual premiums such as comp or med pay. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky. Any qualifying discounts will bring down the amount you have to pay.

For a list of insurance companies that have a full spectrum of discounts, click here.

When in doubt talk to an agent

When it comes to buying proper insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that can aid in determining whether you would benefit from professional advice.

  • Why am I required to buy high-risk coverage?
  • Do I need an umbrella policy?
  • I don’t drive much so do I pay less?
  • Am I getting all the discounts available?
  • Do I need replacement cost coverage on my 1999 Suzuki Vitara?
  • How do I insure my teen driver?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Insurance coverages 101

Knowing the specifics of your insurance policy can help you determine the right coverages for your vehicles. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally these limits are similar to your liability insurance amounts.

Liability insurance – Liability insurance provides protection from damages or injuries you inflict on other’s property or people in an accident. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

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 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and 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 protects against things such as bail bonds, funeral expenses, repair costs for stationary objects, loss of income and pain and suffering. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Collision coverage – This coverage will pay to fix damage to your Vitara from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like damaging your car on a curb, colliding with another moving vehicle, sustaining damage from a pot hole, colliding with a tree and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for expenses for rehabilitation expenses, hospital visits, chiropractic care, funeral costs and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage – This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a bird, fire damage, damage from a tornado or hurricane and vandalism. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Don’t throw your cash in the trash

Drivers who switch companies do it for a variety of reasons including denial of a claim, policy non-renewal, unfair underwriting practices or even being labeled a high risk driver. No matter why you want to switch, choosing a new company is easier than you think.

When searching for affordable auto insurance quotes, it’s a bad idea to skimp on coverage in order to save money. In many cases, consumers will sacrifice liability limits or collision coverage only to discover later that it was a big mistake. Your aim should be to get the best coverage possible at the best cost, but do not sacrifice coverage to save money.

We just presented a lot of tips how to reduce 1999 Suzuki Vitara insurance rates online. The key thing to remember is the more times you quote, the better chance you’ll have of finding cheaper auto insurance. You may even discover the lowest priced auto insurance comes from a lesser-known regional company.

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