2002 Suzuki Grand Vitara Insurance Cost

Being forced to pay for overpriced insurance premiums can drain your budget and put a big crunch on your finances. Doing a price comparison can save money and help to lower your monthly bill.

Insurance companies such as State Farm, Allstate, Geico and Progressive all promote huge savings with ad campaigns and consumers find it hard to sift through the bull and find the best price available.

You should make it a habit to compare rates before your policy renews because insurance prices are constantly changing. If you had the best rate on Grand Vitara insurance a couple years back you can probably find a better premium rate now. Ignore everything you know about insurance because you’re going to get a crash course in the fastest way to save on insurance.

Discounts can really help save money

Insurance coverage is easily one of your largest bills, but you might already qualify for some discounts that you may not know about. Some trigger automatically at quote time, but some must be specifically requested prior to getting the savings.

  • Discount for Life Insurance – If the company offers life insurance, you could get better premium rates if you take out a life policy as well.
  • Military Discounts – Being on active deployment in the military can result in better rates.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems are less likely to be stolen and will qualify for a discount on a auto insurance quote.
  • E-sign Discounts – A handful of insurance companies will give a small break for buying your policy on the internet.
  • Renewal Discounts – Select companies give a discount for switching policies prior to the expiration date on your current policy. This discount can save up to 10%.
  • Homeowners Savings – Owning a house may earn you a small savings because it requires a higher level of personal finance.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Most only apply to individual premiums such as liability, collision or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, it doesn’t quite work that way. Any amount of discount will help lower the premium cost.

Some companies that possibly offer many of the previously listed discounts include:

If you want affordable auto insurance quotes, ask each company which discounts can lower your rates. Savings may not apply in your area. For a list of providers with discount insurance coverage rates, click here to view.

Will just any policy work for me?

When buying adequate coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s needs are different so this has to be addressed. For example, these questions may help highlight whether or not you may require specific advice.

  • What are the financial responsibility laws in my state?
  • When can I cancel my policy?
  • When would I need additional glass coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I need more liability coverage?
  • Is my ex-spouse still covered by my policy?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Coverage specifics

Knowing the specifics of your auto insurance policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most auto insurance policies.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like funeral costs, chiropractic care, dental work, rehabilitation expenses and EMT expenses. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Liability insurance

This can cover injuries or damage you cause to a person or their property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover 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. Your policy might show limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as repair bills for other people’s vehicles, emergency aid, funeral expenses, attorney fees and loss of income. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Collision coverage

This coverage covers damage to your Grand Vitara caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as scraping a guard rail, sideswiping another vehicle, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants 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.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Comprehensive insurance

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like theft, a broken windshield and falling objects. The most your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Have money to burn

We’ve covered many ideas to get a better price on 2002 Suzuki Grand Vitara insurance. It’s most important to understand that the more providers you compare, the better your comparison will be. You may be surprised to find that the best price on insurance coverage is with the least-expected company. They may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.

The cheapest 2002 Suzuki Grand Vitara insurance is attainable on the web in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies do not provide the ability to get a quote online and usually these smaller providers sell through independent agents.

More detailed insurance coverage information can be found at these sites: