2005 Suzuki Grand Vitara Insurance Rates – 9 Tips to Save

Looking for cheaper insurance rates for your Suzuki Grand Vitara? If you’re new to shopping for insurance coverage quotes online, by this point your are probably bewildered by the vast assortment of insurance companies competing for your business.

It is always a good idea to do rate comparisons yearly because prices go up and down regularly. Just because you found the best deal for Grand Vitara coverage a year ago you will most likely find a better premium rate today. Block out anything you think you know about insurance because you’re about to learn the easiest way to lower your rates without sacrificing coverage.

How to buy insurance coverage online

To find the cheapest insurance coverage quotes, there are several ways to compare rate quotes from different insurance companies. By far the easiest way to find competitive 2005 Suzuki Grand Vitara insurance rates is to get quotes online. This can be done in a couple minutes as outlined below.

  1. The easiest and least time consuming way to get quotes is an all-inclusive rate comparison (click to open form in new window). This style of form saves time by eliminating separate forms for each company. One form gets you price quotes from multiple companies. Just one form and you’re done.
  2. A different way to find better pricing consists of going to the website of each company and get a separate price quote. For sake of this example, we’ll assume you want comparison quotes from Auto-Owners, Safeco and Geico. You would be required to spend time going to each site individually to enter your coverage information, which is not fast way to get rate quotes. To view a list of companies in your area, click here.
  3. The least efficient method to find lower rates is to waste gas driving to different agent offices. Comparing online rate quotes eliminates this option unless you have a complicated situation and need the professional abilities that can only be provided by a licensed insurance agent. However, consumers can get prices online but still have the advice of a local agent.

Whichever method you choose, ensure you are comparing identical coverage limits for each quote you get. If your comparisons have different liability limits it will be nearly impossible to determine the lowest rate for your Suzuki Grand Vitara. Slightly different insurance coverages can mean a large discrepancy in price. And when comparing insurance coverage rates, know that comparing more quotes helps increase your odds of locating the best price.

You may qualify for discounts

Car insurance is not an enjoyable expense, but companies offer discounts that many people don’t even know exist. Most are applied at quote time, but a few need to be manually applied before you get the savings.

  • Military Deployment Discount – Being on active duty in the military could mean lower prices.
  • Claim-Free Discount – Drivers who stay claim-free pay much less in comparison to drivers who are more careless.
  • E-sign – A few car insurance companies provide a small discount just for signing your application online.
  • Discount for Multiple Policies – If you can combine your auto and homeowners policy with one company you will save 10% to 20% off each policy.
  • Early Payment Discounts – By paying your entire bill at once rather than spreading payments over time you can avoid monthly service charges.
  • Seat Belt Usage – Requiring all passengers to buckle up could save 15% off the medical payments premium.
  • Discount for Good Grades – Maintaining excellent grades can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Resident Student – Kids who live away from home at college and won’t have access to an insured vehicle can receive lower rates.
  • Cautious Driver Discounts – Safe drivers can pay as much as 50% less for Grand Vitara coverage than less cautious drivers.

Keep in mind that most discount credits are not given to the entire cost. Most cut the price of certain insurance coverages like comprehensive or collision. Despite the appearance that it’s possible to get free car insurance, you won’t be that lucky.

A list of car insurance companies and some of their more popular discounts include:

  • Geico discounts include multi-vehicle, membership and employees, five-year accident-free, good student, and emergency military deployment.
  • SAFECO offers discounts including drive less, anti-lock brakes, multi-car, bundle discounts, and safe driver.
  • State Farm has savings for student away at school, driver’s education, good student, safe vehicle, and Steer Clear safe driver discount.
  • MetLife offers discounts for defensive driver, good driver, accident-free, multi-policy, claim-free, good student
  • 21st Century policyholders can earn discounts including automatic seat belts, 55 and older, driver training, defensive driver, theft prevention, homeowners, and good student.
  • Progressive has discounts for multi-vehicle, online signing, continuous coverage, good student, and online quote discount.

If you need lower rates, check with each company which credits you are entitled to. All car insurance discounts might not apply in your area. To find providers that offer multiple discounts, click here to view.

There’s no such thing as the perfect insurance policy

When choosing adequate coverage, there is no one size fits all plan. Everyone’s needs are different.

For instance, these questions might help in determining whether you might need an agent’s assistance.

  • Do I have coverage when pulling a U-Haul trailer?
  • What discounts do I qualify for?
  • Am I covered if I hit a deer?
  • What is roadside assistance coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my camper covered by my car insurance policy?
  • Am I covered when driving in Canada or Mexico?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Coverage specifics

Learning about specific coverages of car insurance aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as rock chips in glass, a broken windshield, a tree branch falling on your vehicle and damage from getting keyed. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for collisions

This will pay to fix damage to your Grand Vitara resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like scraping a guard rail, crashing into a building, hitting a mailbox, hitting a parking meter and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

UM/UIM Coverage

This gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Coverage for liability

Liability insurance can cover damage or injury you incur to other’s property or people by causing an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show 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 a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers things such as funeral expenses, structural damage and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical costs insurance

Coverage for medical payments and/or PIP pay for bills for things like prosthetic devices, rehabilitation expenses and funeral costs. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage on a shoestring budget

While you’re price shopping online, do not skimp on coverage in order to save money. There are many occasions where someone sacrificed liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal is to find the BEST coverage at the best cost but still have enough coverage for asset protection.

Drivers leave their current company for a number of reasons such as extreme rates for teen drivers, delays in paying claims, high prices and even policy cancellation. Regardless of your reason for switching companies, switching companies is pretty simple and you could end up saving a buck or two.

We just covered many ideas to save on 2005 Suzuki Grand Vitara insurance. The key concept to understand is the more providers you compare, the better chance you’ll have of finding low cost insurance coverage. Consumers could even find that the biggest savings come from the least-expected company.

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