Save on 2002 Suzuki XL7 Insurance Rates

Are you a victim of high-priced auto insurance? Trust us when we tell you there are lots of people in the same boat. Due to the fact that there are so many insurance companies to choose from, it can be diffult for drivers to find a lower cost company.

Locating affordable coverage can be fairly easy. If you have insurance now or need a new policy, you can use these tips to shop for the lowest rates and still get good coverage. Vehicle owners only need to know the proper way to buy insurance online.

The quickest method we recommend to get rate comparisons is to know the trick car insurance companies participate in a system to compare their rates. To get started, all you need to do is provide a small amount of information such as how old drivers are, if you have a valid license, if a SR-22 is needed, and if it has an anti-theft system. Your information gets sent immediately to multiple top-rated companies and they return cost estimate immediately.

Auto insurance discounts are available to cut your rates

Auto insurance is neither fun to buy or cheap, but you can get discounts that you may not even be aware of. A few discounts will be applied at quote time, but a few must be manually applied prior to receiving the credit.

Accident Free – Drivers who stay claim-free have much lower rates compared to accident-prone drivers.
Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and can earn a small discount on your policy.
Military Rewards – Being on active duty in the military could trigger a small discount.
E-sign Discounts – A few auto insurance companies will provide an incentive shop car insurance online.
Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you a small discount if you purchase a life policy as well.
Anti-lock Brake Discount – Cars and trucks equipped with ABS or steering control can reduce accidents and the ABS can save up to 10%.
Smart Student Discounts – Being a good student may save you up to 25%. Many companies even apply the discount to college students well after school through age 25.
Distant Student Discount – Youth drivers who attend college more than 100 miles from home and do not have access to a covered vehicle may be insured at a cheaper rate.
Switch and Save Discount – Some larger companies give discounts for buying a policy prior to your current policy expiring. It can save you around 10%.
Policy Bundle Discount – If you combine your auto and homeowners policies and insure them with the same company you may save 10% to 20% off each policy.

One thing to note about discounts is that most discounts do not apply the the whole policy. A few only apply to the cost of specific coverages such as medical payments or collision. If you do the math and it seems like all the discounts add up to a free policy, that’s just not realistic.

Larger auto insurance companies and a selection of discounts are shown below.

Progressive has discounts for continuous coverage, multi-vehicle, online quote discount, good student, homeowner, online signing, and multi-policy.
MetLife includes discounts for multi-policy, accident-free, good student, defensive driver, claim-free, and good driver.
Mercury Insurance may have discounts that include ease of repair, annual mileage, good student, type of vehicle, and good driver.
Nationwide may include discounts for anti-theft, family plan, accident-free, multi-policy, business or organization, good student, and easy pay.
Geico offers discounts including good student, defensive driver, driver training, daytime running lights, air bags, and multi-vehicle.
AAA discounts include multi-policy, multi-car, pay-in-full, good driver, education and occupation, and AAA membership discount.

When quoting, ask each insurance company which discounts can lower your rates. Savings might not be offered in every state.

Everyone needs different car insurance coverages

When it comes to buying coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions might help in determining whether your personal situation could use an agent’s help.

Am I covered if I wreck a rental car?
Should I put collision coverage on all my vehicles?
Do I have coverage when making deliveries for my home business?
Is my dog or cat covered if injured in an accident?
Should I have combined single limit or split liability limits?
When should I drop full coverage on my 2002 Suzuki XL7?

If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Learn about insurance coverages for a Suzuki XL7

Understanding the coverages of insurance helps when choosing the best coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages available from insurance companies.

Liability car insurance

This coverage protects you from damage that occurs to people or other property. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like repair costs for stationary objects, legal defense fees, structural damage, medical services and bail bonds. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for expenses for ambulance fees, prosthetic devices, hospital visits, nursing services and funeral costs. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision coverage

This covers damage to your XL7 caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a building, rolling your car, colliding with another moving vehicle, sideswiping another vehicle and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a deer, falling objects and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Suzuki XL7.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these limits are similar to your liability insurance amounts.