Compare 2004 Suzuki Vitara Car Insurance Quotes

Looking for better auto insurance rates for your Suzuki Vitara? Scraping up a payment for expensive Suzuki Vitara insurance can overdraw your funds and make it tough to pay other bills. Shopping your coverage around is free, only takes a few minutes, and is a good way to lower your monthly bill.

Numerous insurance companies battle for your business, so it can be very hard to choose a insurance company to find the lowest cost out there.

It’s important to get comparison quotes as often as possible because rates are rarely the same from one policy term to another. Just because you had the lowest rate on Vitara insurance last year you may be paying too much now. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the best methods to find the best coverage while lowering your premiums.

If you have a current car insurance policy or are shopping for new coverage, you can use these tips to reduce the price you pay while maintaining coverages. Buying car insurance is quite easy. Drivers just need to know the most efficient way to compare price quotes online.

Auto insurance quotes comparison

Lowering your 2004 Suzuki Vitara auto insurance rates is a great way to save money. The only thing you need to do is take time getting comparison quotes to discover which company has inexpensive insurance coverage quotes. Rate comparisons can be done in several different ways.

  • The recommended way consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This form keeps you from doing separate quotes for every prospective company. Taking the time to complete one form will return price quotes direct from many companies.
  • A less efficient way to get quotes online requires visiting the website of each company to complete a price quote. For instance, we’ll pretend you want to view quotes from Geico, Farmers and Liberty Mutual. You would need to spend time on each company’s site and punch in your information repeatedly, which can get old fast. To view a list of companies in your area, click here.
  • Even if you have time, the least recommended way to get rate quotes is going to different agent offices. Doing it all online eliminates this option unless you require the professional advice that you can only get from talking to an agent. However, consumers can find lower rates online but buy the policy through an agent.

It’s up to you which method you use, but do your best to use equivalent coverage limits with every price quote. If you have differing limits it’s not possible to get a fair rate comparison.

Advertising and insurance

Consumers can’t get away from all the ads that promise big savings by 21st Century, Allstate and State Farm. All the ads make the point that people will save after switching your coverage.

How does every insurance company have lower policy pricing? It’s all in the wording.

Companies have a certain “appetite” for the type of insured that will be a good risk. A good example of this type of driver may need to be over the age of 50, insures multiple vehicles, and does not commute to work. Any driver that fits those parameters will get low premium rates and have a good chance to save a lot of money.

People who cannot meet this ideal profile will be charged higher prices and this results in the prospect going elsewhere. The ad wording is “drivers who switch” but not “all drivers who get quotes” can get the lowest rates when switching. That is how insurance companies can confidently lure you into getting a quote.

Because each company has a different risk profile, you need to compare as many free insurance coverage quotes as you can. It is just not possible to predict which company will have better prices than you’re paying now.

Insurance coverage discounts help cut rates

Some insurance providers do not list every possible discount in an easy-to-find place, so the list below gives a summary of a few of the more common and also the lesser-known credits that may apply to you. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Homeowners Pay Less – Just owning your own home can save you money due to the fact that maintaining a home means you have a higher level of financial diligence.
  • Accident Forgiveness – Not necessarily a discount, but companies like Geico and Liberty Mutual will turn a blind eye to one accident without raising rates so long as you haven’t had any claims for a set time period.
  • Accident-Free Discounts – Good drivers with no accidents are rewarded with significantly better rates on insurance coverage quote in comparison with bad drivers.
  • Passive Restraints – Factory options such as air bags and/or automatic seat belt systems may qualify for discounts of 20 to 30 percent.
  • Senior Citizens – If you’re over the age of 55, you may receive reduced rates on Vitara insurance.
  • Driver Safety – Successfully completing a course that instructs on driving safety is a good idea and can lower rates and make you a better driver.
  • Full Payment Discount – If you can afford to pay the entire bill instead of paying each month you can actually save on your bill.
  • Discount for Life Insurance – Select insurance companies reward you with a small discount if you purchase some life insurance too.
  • Auto/Home Discount – When you combine your auto and homeowners insurance with the same insurance company you may earn up to 20% and get you inexpensive insurance coverage.

We need to note that most discounts do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as comp or med pay. Even though the math looks like it’s possible to get free car insurance, companies don’t profit that way.

Popular insurance coverage companies and a summarized list of policyholder discounts are shown below.

  • Mercury Insurance policyholders can earn discounts including professional/association, anti-theft, multi-policy, accident-free, low natural disaster claims, type of vehicle, and good student.
  • Farmers Insurance has savings for alternative fuel, pay in full, early shopping, mature driver, bundle discounts, and switch companies.
  • Farm Bureau offers discounts including multi-policy, good student, multi-vehicle, 55 and retired, renewal discount, and safe driver.
  • State Farm may have discounts that include accident-free, student away at school, Steer Clear safe driver discount, defensive driving training, Drive Safe & Save, and good driver.
  • Allstate has discounts for teenSMART discount, passive restraint, anti-theft, premier plus, and early signing.
  • Geico offers premium reductions for multi-policy, defensive driver, multi-vehicle, five-year accident-free, driver training, military active duty, and anti-theft.

Before purchasing a policy, check with each company the best way to save money. Depending on the company, some discounts may not apply in your area.

Which is the best insurance coverage?

When it comes to choosing adequate coverage for your vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions can aid in determining whether your personal situation might need professional guidance.

  • Am I covered if I hit a deer?
  • Should I buy only the required minimum liability coverage?
  • What if I total my 2004 Suzuki Vitara and owe more than it’s worth?
  • Am I covered when using my vehicle for business?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is there coverage for injuries to my pets?
  • Can I afford low physical damage deductibles?
  • How do I insure my teen driver?
  • Should I have combined single limit or split liability limits?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, free and can provide invaluable advice.

Auto insurance coverages

Knowing the specifics of your insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. Shown next are typical coverages available from insurance companies.

Liability coverage

Liability coverage provides protection from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things like medical expenses, attorney fees, repair bills for other people’s vehicles, loss of income and funeral expenses. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Collision coverage

Collision coverage covers damage to your Vitara caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as crashing into a ditch, driving through your garage door and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your Suzuki Vitara.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Normally these limits are identical to your policy’s liability coverage.

Medical expense insurance

Med pay and PIP coverage kick in for short-term medical expenses for things like prosthetic devices, rehabilitation expenses, hospital visits, nursing services and doctor visits. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like fire damage, falling objects and damage from flooding. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Compare but don’t skimp

In this article, we covered many ideas to get a better price on 2004 Suzuki Vitara insurance. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding inexpensive insurance coverage. You may be surprised to find that the most savings is with the smaller companies. Some small companies often have lower premium rates on specific markets than their larger competitors like Allstate and Progressive.

Cheaper 2004 Suzuki Vitara insurance can be purchased on the web and also from your neighborhood agents, and you should compare rates from both to have the best selection. There are still a few companies who may not have online quoting and many times these small, regional companies only sell through local independent agents.

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