2004 Suzuki Grand Vitara Car Insurance Rates – 10 Ways to Save

Trying to find the cheapest auto insurance rates for your Suzuki Grand Vitara? Are you sick and tired of robbing Peter to pay Paul to insure your Suzuki every month? You are in the same boat as millions of other consumers. Since consumers have many online and local companies to choose from, it can be impossible to pick the lowest price insurance company.

You need to do rate comparisons yearly because auto insurance rates tend to go up over time. Just because you found the best premium rates on Grand Vitara insurance six months ago other companies may now be cheaper. You can find a lot of wrong information about auto insurance on the web, but I’m going to show you some great ideas on how to quit paying high auto insurance rates.

The easiest way to compare rates utilizes the fact most larger insurance companies participate in a system to provide you with free rate quotes. The only thing you need to do is spend a couple of minutes providing details like what your job is, marital status, if the car is leased, and the make and model of your vehicles. Those rating factors is sent automatically to insurance carriers in your area and you get price estimates immediately.

To compare rates for your 2004 Suzuki Grand Vitara now, click here then complete the form.

Insurance is unique, just like you

When buying coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions could help you determine whether or not you could use an agent’s help.

  • Should I have combined single limit or split liability limits?
  • Does my 2004 Suzuki Grand Vitara need full coverage?
  • Is business equipment covered while in my vehicle?
  • Do I need higher collision deductibles?
  • If I drive on a suspended license am I covered?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Educate yourself about auto insurance coverages

Learning about specific coverages of a auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average auto insurance policy.

Comprehensive coverage – This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as a tree branch falling on your vehicle, hail damage, damage from flooding and fire damage. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as X-ray expenses, surgery and prosthetic devices. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Liability coverages – This coverage can cover damage that occurs to a person or their property by causing an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for claims like bail bonds, loss of income, legal defense fees and structural damage. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Suzuki Grand Vitara.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverage – This coverage pays for damage to your Grand Vitara from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with another moving vehicle, backing into a parked car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.