2003 Suzuki Grand Vitara Insurance Cost – 9 Discounts for Best Prices

Trying to find the cheapest insurance rates? Buyers have a choice when searching for the best price on Suzuki Grand Vitara insurance. You can either spend your time calling around to compare prices or use the internet to make rate comparisons.

There are more efficient ways to find insurance online so we’re going to tell you the proper way to price shop coverage for a new or used Suzuki and find the lowest possible price from both online companies and local agents.

It’s a good idea to do price comparisons occasionally because insurance prices change frequently. Despite the fact that you may have had the best deal for Grand Vitara coverage on your last policy you will most likely find a better rate today. Don’t believe everything you read about insurance on the internet, but in just a couple of minutes you can learn some great ways to slash your insurance rates.

If you have a current auto insurance policy or need new coverage, you can use this information to reduce the price you pay and possibly find even better coverage. The purpose of this post is to instruct you on the best way to quote coverages. Consumers just need to understand the proper methods to shop for auto insurance online.

Cheaper insurance rates with discounts

Insuring your vehicles can cost a lot, but you might be missing out on some discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically at the time of purchase, but once in a while a discount must be manually applied before they will apply.

  • Discounts for Good Drivers – Drivers who avoid accidents can save up to 40% or more on their insurance coverage quote for Grand Vitara coverage than their less cautious counterparts.
  • Driving Data Discount – Insureds that choose to allow their insurance company to study driving patterns remotely such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction as long as they are good drivers.
  • Early Payment Discounts – If you can afford to pay the entire bill as opposed to paying monthly you could save up to 5%.
  • Senior Citizen Discount – Seniors may be able to get reduced rates for Grand Vitara coverage.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle up before driving could save 15% on the medical payments or PIP coverage costs.
  • Distant College Student Discount – Youth drivers who live away from home to go to college and leave their car at home may be insured at a cheaper rate.
  • Multiple Vehicles – Having multiple cars or trucks with the same company qualifies for this discount.
  • Discount for Passive Restraints – Options like air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn better rates if you take out a life insurance policy as well.

Don’t be surprised that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to individual premiums such as comprehensive or collision. Despite the appearance that you can get free auto insurance, insurance companies aren’t that generous.

To choose providers who offer free insurance quotes, click here.

Tailor your insurance coverage to you

When buying adequate coverage, there really is no best way to insure your cars. Everyone’s situation is unique.

For instance, these questions could help you determine whether your personal situation might need an agent’s assistance.

  • Which is better, split liability limits or combined limits?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is other people’s property covered if stolen from my vehicle?
  • Can I drive in Mexico and have coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is a blown tire covered by insurance?
  • Do I need roadside assistance coverage?
  • How much underlying liability do I need for an umbrella policy?
  • What can I do if my company won’t pay a claim?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Drivers who switch save $469 a year? Really?

Consumers can’t get away from all the ads that promise big savings for switching from the likes of State Farm and Allstate. All the ads make the same claim of big savings if you change your insurance coverage to their company.

How do they all make the same claim? It’s all in how they say it.

All companies quote the lowest rates for the driver that is profitable for them. A good example of a desirable insured should be between 30 and 50, has had continuous coverage, and chooses high deductibles. Someone that meets those criteria will probably get cheap prices and is almost guaranteed to cut their rates if they switch.

Insureds who don’t qualify for these stringent criteria must pay more expensive rates and ends up with the prospect going elsewhere. If you pay attention, the ads say “drivers who switch” but not “everyone who gets a quote” save money. That is how insurance companies can confidently make the claims of big savings.

Because of this risk profiling, you really should get insurance coverage quotes from several different companies. Because without a comparison, you cannot know which insurance companies will give you the biggest savings.

Coverages available on your insurance policy

Understanding the coverages of your policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Comprehensive protection – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, rock chips in glass, theft and a broken windshield. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverages – Collision insurance covers damage to your Grand Vitara resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like scraping a guard rail, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Uninsured or underinsured coverage – This gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability auto insurance – Liability insurance can cover damage that occurs to a person or their property in an accident. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as pain and suffering, medical expenses, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Medical expense coverage – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like surgery, doctor visits, chiropractic care and rehabilitation expenses. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Quote more, save more

Insureds who switch companies do it for any number of reasons including lack of trust in their agent, not issuing a premium refund, poor customer service or extreme rates for teen drivers. Regardless of your reason, switching insurance coverage companies can be less work than you think.

The cheapest 2003 Suzuki Grand Vitara insurance can be purchased from both online companies as well as from independent agents, and you should be comparing both to get a complete price analysis. Some insurance companies may not have rate quotes online and most of the time these smaller companies prefer to sell through independent insurance agents.

As you prepare to switch companies, you should never buy lower coverage limits just to save a few bucks. There are too many instances where drivers have reduced liability limits or collision coverage and discovered at claim time they didn’t purchase enough coverage. The aim is to find the BEST coverage at the best possible price, not the least amount of coverage.

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