How Much Does 2003 Suzuki XL7 Insurance Cost?

Shopping for lower priced car insurance can be somewhat intimidating for people new to quoting and price shopping online. When there are so many online companies, how can drivers have time to compare them all to find better rates?

Get lower rates with discounts

Insurance is easily one of your largest bills, but you might be missing out on some discounts that you may not know about. A few discounts will be applied when you purchase, but once in a while a discount must be specially asked for before being credited.

  • Paper-free Discount – Some of the larger companies will discount your bill up to fifty bucks get car insurance over the internet.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save a little off the personal injury premium cost.
  • Accident Forgiveness – Not necessarily a discount, but some companies like Allstate and State Farm may permit one accident before they charge you more for coverage if your claims history is clear for a particular time prior to the accident.
  • Savings for New Vehicles – Putting coverage on a new car can save you some money because new model year vehicles keep occupants safer.
  • Federal Government Employee – Simply working for the federal government may qualify for a discount when you quote car insurance for XL7 insurance with a few insurance companies.
  • Student Discounts – Performing well in school can save 20 to 25%. This discount can apply well after school through age 25.
  • Senior Discount – If you’re over the age of 55, you can get a small discount on rates for XL7 insurance.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.

Consumers should know that most credits do not apply to the overall cost of the policy. Most only cut individual premiums such as comprehensive or collision. Despite the fact that it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

Companies that have these benefits include:

Before you buy a policy, ask every prospective company to give you their best rates. Some of the discounts discussed earlier may not be available everywhere. If you would like to view insurance companies with the best discounts, click here.

How to compare car insurance price quotes

When shopping for car insurance there are multiple ways to compare quotes from many available car insurance companies in your state. One of the best ways to find competitive Suzuki XL7 insurance rates is to get quotes online. It is quite easy and can be accomplished using a couple different methods.

  • One of the simplest ways consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This form eliminates the need for repetitive form entry for each company you want a rate for. A single form will return price quotes from multiple low-cost companies. It’s definitely the quickest method.
  • A harder way to compare prices consists of visiting the website of each company and request a quote. For instance, we’ll pretend you want to compare Farmers, Esurance and American Family. In order to get each rate, you would have to spend time on each company’s site and repeatedly type in your coverage information, which can get old fast.

    For a handy list of car insurance company links in your area, click here.

  • The hardest way to comparison shop is making phone calls or going to insurance agents’ offices. The fact that you can get quotes online can eliminate the need for a local agent unless you have a complicated situation and need the professional advice that you can only get from talking to an agent. It is possible to comparison shop online but still have the advice of a local agent.

You can use whichever method you prefer to find lower rates, just make darn sure you compare the same quote information on every quote you get. If the quotes have unequal deductibles or liability limits it will be nearly impossible to make a fair rate comparison. Just a small difference in limits could throw off the whole comparison. It’s important to know that comparing more quotes helps you find a better price.

What is the best car insurance coverage?

When choosing the best car insurance coverage for your vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining whether you could use an agent’s help.

  • Why does it cost so much to insure a teen driver?
  • Do I need replacement cost coverage on my 2003 Suzuki XL7?
  • When do I need to add a new car to my policy?
  • Is there coverage for injuries to my pets?
  • Does my policy pay for OEM or aftermarket parts?
  • Which is better, split liability limits or combined limits?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form.

Parts of your insurance policy

Learning about specific coverages of insurance aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Collision insurance

Collision insurance pays for damage to your XL7 resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with a tree, hitting a mailbox, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive insurance

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like rock chips in glass, falling objects, hail damage and damage from getting keyed. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical expenses

Med pay and PIP coverage kick in for immediate expenses for prosthetic devices, doctor visits and pain medications. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability insurance

Liability coverage can cover injuries or damage you cause to other people or property that is your fault. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as funeral expenses, medical expenses, medical services and court costs. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Don’t break the bank

People leave their current company for many reasons like questionable increases in premium, denial of a claim, delays in paying claims and an unsatisfactory settlement offer. It doesn’t matter what your reason, finding the right insurance coverage provider is pretty easy and you might even save some money in the process.

As you shop your coverage around, don’t be tempted to buy less coverage just to save a little money. There have been many cases where someone sacrificed uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal should be to buy the best coverage you can find at the lowest possible cost but still have enough coverage for asset protection.

Cheaper insurance coverage is attainable both online and from local insurance agents, and you should be comparing both to get a complete price analysis. Some insurance coverage companies do not provide rates over the internet and usually these small insurance companies only sell coverage through independent agents.

More detailed insurance coverage information is available at these sites: