2000 Suzuki Grand Vitara Car Insurance Rates

Finding the cheapest insurance for a new or used Suzuki Grand Vitara can turn out to be difficult, but you can learn the following methods to find lower rates. There are both good and bad ways to buy auto insurance and we’ll show you the quickest way to price shop coverage on a Suzuki and locate the best price possible either online or from local insurance agents.

If you have insurance now or are just looking to switch companies, you can use these tips to get lower rates and still get good coverage. Finding affordable insurance coverage is not that difficult. Consumers just need to know the best way to compare rates on the web.

Which insurance coverage is cheapest?

Comparing insurance coverage rates can be a daunting task if you aren’t aware of the most efficient way to do it. You could waste time discussing policy coverages with local insurance agents in your area, or you could save time and use the web to get the quickest rates.

Many popular insurance companies are enrolled in a marketplace where prospective buyers send in one quote, and every company returns a rated price based on that data. This eliminates the need for repetitive form submissions to each individual insurance coverage company.

To participate in this free quote system, click here (opens in new window).

The only drawback to using this type of form is you cannot specify which insurance companies you will receive quotes from. So if you want to choose individual companies to receive pricing from, we have assembled a list of companies who write insurance coverage in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just compare identical information on every quote. If you are comparing higher or lower deductibles it’s not possible to make a fair comparison for your Suzuki Grand Vitara.

Car insurance policy discounts

The price of auto insurance can be rather high, but you may be missing some discounts to reduce the price significantly. A few discounts will automatically apply when you quote, but less common discounts must be asked for before you get the savings. If you do not check that you are getting every discount available, you’re paying more than you need to.

  • Early Switch Discount – Select insurance companies give a discount for buying a policy prior to your current policy expiring. It could save around 10% when you buy insurance online.
  • Safety Course Discount – Completing a course teaching defensive driving skills is a good idea and can lower rates depending on where you live.
  • Low Miles Discount – Driving fewer miles can earn lower prices due to less chance of an accident.
  • Paper-free Discount – A few car insurance companies will give you a small discount get insurance digitally online.
  • Military Discounts – Having an actively deployed family member could mean lower prices.
  • Driver Education Discount – It’s a good idea to have your young drivers enroll and complete driver’s education in school or through a local driver safety program.

As a sidenote, most of the big mark downs will not be given to the entire policy premium. Some only apply to individual premiums such as collision or personal injury protection. Even though the math looks like adding up those discounts means a free policy, it doesn’t quite work that way. Any amount of discount will help lower your car insurance premiums.

A few of the larger companies and some of their more popular discounts can be found below.

  • Geico policyholders can earn discounts including multi-vehicle, driver training, military active duty, anti-lock brakes, and seat belt use.
  • Travelers discounts include hybrid/electric vehicle, multi-car, new car, payment discounts, good student, and home ownership.
  • Farm Bureau includes discounts for multi-policy, 55 and retired, driver training, good student, renewal discount, safe driver, and multi-vehicle.
  • Liberty Mutual has savings for newly retired, new move discount, multi-policy, safety features, new graduate, and multi-car.
  • American Family offers premium reductions for accident-free, TimeAway discount, mySafetyValet, Steer into Savings, good student, and early bird.
  • Progressive may have discounts that include good student, homeowner, multi-policy, continuous coverage, multi-vehicle, online signing, and online quote discount.

Before purchasing a policy, check with every prospective company which discounts you qualify for. Some of the discounts discussed earlier may not be available in your area.

How do I know if I need professional advice?

When choosing proper insurance coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that can help discover whether or not you would benefit from professional advice.

  • Do I have coverage when pulling a U-Haul trailer?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • What if I don’t agree with a claim settlement offer?
  • Why do I need rental car insurance?
  • Do I need roadside assistance coverage?
  • Do I have newly-aquired coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What is the difference between comprehensive and collision coverage?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.

Seven tips to get cheap insurance premiums

Consumers need to have an understanding of the different types of things that play a part in calculating your policy premiums. If you understand what impacts premium levels, this empowers consumers to make smart changes that may reward you with lower auto insurance prices. Lots of things are considered when premium rates are determined. Most are fairly basic like a motor vehicle report, but some are less obvious like your vehicle usage or your financial responsibility.

The itemized list below are some of the things used by companies to determine premiums.

  • Accidents are costly – Drivers who don’t get tickets pay lower auto insurance prices than their less careful counterparts. Even one ticket can increase rates twenty percent or more. Drivers who have received flagrant tickets such as reckless driving or DUI may be required to maintain a SR-22 with their state’s licensing department in order to prevent a license revocation.
  • Deter theft and save – Choosing a vehicle that has a built-in theft deterrent system can save you some money. Advanced theft deterrents such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft and help lower rates.
  • Save by driving vehicles with better crash test results – Safer cars tend to have better insurance rates. The safest vehicles reduce occupant injuries and lower rates of occupant injuries means less money paid by your insurance company and cheaper rates on your policy. If your Suzuki is rated at a minimum four stars on Safercar.gov it may be receiving lower rates.
  • Poor credit can mean higher prices – Having a bad credit score will be a significant factor in determining premium rates. Drivers with very good credit scores tend to file fewer claims as compared to drivers with poor credit. Therefore, if your credit history is low, you could pay less to insure your 2000 Suzuki Grand Vitara by spending a little time repairing your credit.
  • Car plus home equals more savings – Many insurance companies will award lower prices to people that purchase more than one policy. It’s known as a multi-policy discount. Discounts can add up to as much as ten percent or more Even if you’re getting this discount you still need to check prices from other companies to guarantee you are still saving the most.
  • Raise physical damage deductibles and save – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, helps pay for damage to your vehicle. A few examples of covered claims would be a broken windshield, flood damage, and damage caused by flying debris. Physical damage deductibles define the amount you are required to spend before a claim is paid by your company. The more of the claim you choose to pay out-of-pocket, the lower your rates will be on Grand Vitara insurance.
  • Frequent auto insurance claims will cost you – Companies award most affordable rates to insureds who only file infrequent claims. If you tend to file frequent claims, you can look forward to increased rates or even have your policy non-renewed. Your car insurance is designed for larger claims.

Brand name doesn’t guarantee savings

Consumers can’t get away from all the ads that claim the best rates by companies like State Farm and Allstate. They all seem to seem to make the promise about savings just by switching your coverage.

How does every company give you a lower rate? Here is how they do it.

Many companies have a preferred profile for the type of insured that will most likely be profitable. For example, this type of insured should be between the ages of 30 and 45, has no claims, and drives newer vehicles. A customer getting a price quote who matches those parameters will most likely get cheap prices and is almost guaranteed to pay quite a bit less when switching companies.

Potential insureds who do not match the “perfect” profile will see higher premium rates which leads to the customer not buying. The wording the ads use say “drivers that switch” not “everyone that quotes” save money. That is how companies can advertise the savings. Because each company has a different risk profile, you absolutely need to do a rate comparison at every renewal. Because you never know with any certainty which company will have the lowest premium rates for your situation.

Coverages available on your policy

Learning about specific coverages of your car insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision

This covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, hail damage, a broken windshield, vandalism and fire damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverages

Liability insurance will cover damage or injury you incur to a person or their property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability can pay for things such as medical expenses, structural damage, pain and suffering and medical services. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as doctor visits, chiropractic care, ambulance fees, prosthetic devices and rehabilitation expenses. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover 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 not universally available and gives slightly broader coverage than med pay

Collision coverage

Collision insurance will pay to fix damage to your Grand Vitara resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like crashing into a building, damaging your car on a curb, hitting a parking meter, hitting a mailbox and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Suzuki Grand Vitara.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Online plus local equals savings

Insureds switch companies for a number of reasons such as high prices, being labeled a high risk driver, delays in responding to claim requests and lack of trust in their agent. Whatever your reason, finding the right insurance coverage provider is not as hard as you think.

In this article, we presented many ideas to shop for 2000 Suzuki Grand Vitara insurance online. The key thing to remember is the more quotes you get, the better your comparison will be. You may even find the best car insurance rates are with a smaller regional carrier.

Cheaper insurance coverage is possible both online and from local insurance agents, so you need to shop insurance with both in order to have the best chance of saving money. Some companies do not offer rate quotes online and most of the time these regional carriers only sell coverage through independent insurance agencies.

More tips and info about insurance coverage can be read in the articles below: