Compare 2004 Suzuki XL-7 Car Insurance Rates

Want the cheapest insurance coverage rates for your Suzuki XL-7? Finding cheaper Driversinsurance coverage may be kind of frustrating for drivers who are new to buying insurance online. You have so many agents and companies to choose from that it can quickly become a lot of work to find the perfect company for you.

It’s important to compare prices occasionally because insurance coverage prices go up and down regularly. Even if you think you had the lowest price for XL-7 coverage last year you may be paying too much now. Ignore everything you know about insurance coverage because you’re about to learn the tricks you need to know to find better coverage at a better price.

Low cost auto insurance quotes online

To find cheap prices, there are a couple of ways to compare quotes from different companies. The fastest way to compare rates consists of obtaining rate quotes online. This is quite simple and can be completed in a couple minutes as outlined below.

The single most time-saving way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This form keeps you from doing repetitive form submissions to each individual auto insurance company. Just one form gets rate comparisons from many national carriers. This is perfect if you don’t have a lot of time.

A harder way to shop for auto insurance online is to manually visit each company website and go through the quote process again. For instance, we’ll assume you want comparison quotes from State Farm, Geico and Farmers. You would have to spend time on each company’s site to enter the same coverage data repeatedly, and that explains why we recommend the first method.

For a list of companies in your area, click here.

The approach you take is up to you, just make darn sure you compare equivalent coverage limits and deductibles for every company. If you use different deductibles it’s impossible to determine which company has the best rates. Just a small difference in limits may cause a big price difference. And when comparing auto insurance rates, know that obtaining a wide range of quotes gives you a better chance of getting a better price. Not every company provides rate quotes online, so it’s important to also get price quotes from those companies as well.

Car Insurance Discounts

Companies don’t always publicize all their discounts in a way that’s easy to find, so the next list breaks down both the well known and the more hidden credits available to you. If you are not receiving all the discounts you qualify for, you’re just leaving money on the table.

  • College Student Discount – Children who are enrolled in higher education away from home and don’t have a car could get you a discount.
  • Lower Rates for Military – Being on active duty in the military could mean lower prices.
  • Discount for Multiple Policies – If you insure your home and vehicles with one insurance company you will save at least 10% off all policies.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts may earn rate discounts of 20 to 30 percent.
  • Federal Employees – Active or retired federal employment can earn a discount up to 10% for XL-7 coverage but check with your company.
  • Early Switch Discount – Some car insurance companies give discounts for signing up early. You can save around 10% with this discount.
  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle up before driving can save 10% or more off the PIP or medical payment premium.
  • Responsible Driver Discounts – Drivers without accidents can save up to 40% or more on their insurance coverage quote for XL-7 coverage than drivers with accidents.
  • Claim-Free Discount – Drivers who don’t have accidents pay less compared to frequent claim filers.

As a disclaimer on discounts, some credits don’t apply to the entire cost. Most only cut the price of certain insurance coverages like medical payments or collision. Despite the fact that it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business. But any discount will help lower the cost of coverage.

If you would like to see a list of insurance companies with the best car insurance discounts, click this link.

Tailor your auto insurance coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Every situation is different.

For example, these questions might point out whether you could use an agent’s help.

  • Why do I need rental car insurance?
  • Do I have coverage when using my vehicle for my home business?
  • When do I need to add a new car to my policy?
  • Is my 2004 Suzuki XL-7 covered for smoke damage?
  • Can I rate high risk drivers on liability-only vehicles?
  • When does my teenage driver need to be added to my policy?
  • When would I need additional glass coverage?
  • Am I covered if I hit a deer?
  • Does my policy cover my teen driver if they drive my company car?
  • If I drive on a suspended license am I covered?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Car insurance 101

Learning about specific coverages of car insurance can help you determine the best coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Collision insurance

This coverage will pay to fix damage to your XL-7 from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like sustaining damage from a pot hole, driving through your garage door, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like theft, rock chips in glass, damage from a tornado or hurricane and damage from flooding. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverage

Liability insurance protects you from damages or injuries you inflict on people or other property. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: 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 means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as court costs, legal defense fees, bail bonds, funeral expenses and medical services. How much coverage you buy is your choice, but buy as much as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for pain medications, funeral costs and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants as well as being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

This provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Suzuki XL-7.

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 is a good idea.

Never pay more for less

When searching for affordable insurance coverage quotes, never buy lower coverage limits just to save a few bucks. In many cases, someone dropped liability limits or collision coverage only to discover later that the small savings ended up costing them much more. The aim is to find the BEST coverage at the lowest possible cost but still have enough coverage for asset protection.

Consumers who switch companies do it for any number of reasons including denial of a claim, unfair underwriting practices, an unsatisfactory settlement offer and even delays in responding to claim requests. It doesn’t matter why you want to switch choosing a new company is less work than it seems.

Throughout this article, we presented many ideas to shop for 2004 Suzuki XL-7 insurance online. The most important thing to understand is the more price quotes you have, the better your chances of lowering your prices. Consumers could even find that the biggest savings come from a small mutual company.

More resources