Save on 2008 Suzuki XL7 Insurance Cost

Want better auto insurance rates for your Suzuki XL7? Overpriced auto insurance can eat up your checking account and force you to cut corners elsewhere. Getting a rate comparison is free, only takes a few minutes, and is a good way to lower your monthly bill.

You have so many insurers to choose from, and although it’s a good thing to have a selection, so many choices can make it hard to get the best deal.

How to get free insurance quotes online

Finding low cost 2008 Suzuki XL7 insurance rates is pretty simple and can save money. Consumers just need to spend a little time getting comparison quotes from online providers. Price comparisons can be done in a couple of different ways.

  1. The easiest and least time consuming way to get quotes is a comparison rater form click to view form in new window. This method keeps you from doing separate quotation requests for every company. Taking the time to complete one form compares rates direct from many companies.
  2. A slightly less efficient method to obtain and compare quotes online requires a trip to each company website and complete a new quote form. For sake of this example, let’s say you want to get rates from Farmers, Safeco and Travelers. You would need to spend time going to each site individually and enter your information, which can get old fast. For a list of links to insurance companies in your area, click here.

It doesn’t matter which method you choose, just ensure you’re using apples-to-apples coverages and limits on every quote. If you compare mixed coverages it will be very difficult to make an equal comparison.

Don’t be fooled by advertising claims

Consumers can’t escape the ads that claim the cheapest auto insurance rates by companies like 21st Century, Allstate and State Farm. All the companies make the same claim that you’ll save big just by switching your policy.

How is it possible that every company can offer you a better deal? It’s all in the numbers.

Different companies give the cheapest rates for the type of customer that will not have excessive claims. For instance, a preferred risk should be over the age of 35, owns a home, and does not commute to work. A customer getting a price quote that matches those criteria will most likely get cheap prices and most likely will save some money.

Potential insureds who do not fit these criteria may be forced to pay a higher rate and this can result in business not being written. The trick companies use is to say “drivers that switch” not “everyone that quotes” can save as much as they claim. That is how insurance companies can claim big savings.

This really illustrates why you need to get a wide range of price quotes. It’s impossible to know with any certainty which company will fit you best based on your risk profile.

These discounts can lower your insurance quotes

Companies don’t list the complete list of policy discounts very clearly, so we took the time to find a few of the more well known and also the more inconspicuous ways to save on insurance. If you don’t get every credit you deserve, you could be getting lower rates.

  • Theft Deterent Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% on XL7 coverage than drivers with accidents.
  • Low Mileage – Keeping the miles down on your Suzuki could qualify for substantially lower prices.
  • Discount for Swiching Early – A few insurance companies give discounts for buying a policy before your current coverage expires. Ten percent is about the average savings.
  • Senior Discount – Drivers that qualify as senior citizens could receive a slight reduction on a insurance coverage quote on XL7 coverage.
  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class as it can save substantially.
  • Defensive Driver Discounts – Passing a driver safety course could earn you a small percentage discount and also improve your driving technique.

One last thing about discounts, many deductions do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, you aren’t that lucky.

A list of insurance companies and a summarized list of policyholder discounts include:

  • Geico may have discounts that include military active duty, daytime running lights, membership and employees, federal employee, good student, and anti-lock brakes.
  • Mercury Insurance offers discounts for accident-free, professional/association, location of vehicle, multi-car, good student, and age of vehicle.
  • Farmers Insurance may offer discounts for homeowner, bundle discounts, alternative fuel, pay in full, early shopping, and mature driver.
  • Auto-Owners Insurance offers premium reductions for mature driver, safe driver, anti-lock brakes, good student, air bags, and student away at school.
  • Liberty Mutual has discounts for new vehicle discount, preferred payment discount, exclusive group savings, new move discount, and teen driver discount.
  • SAFECO may include discounts for homeowner, accident prevention training, multi-car, safe driver, teen safety rewards, drive less, and teen safe driver.
  • Progressive has savings for online signing, online quote discount, homeowner, multi-vehicle, good student, continuous coverage, and multi-policy.
  • USAA discounts include defensive driver, new vehicle, good student, multi-vehicle, family discount, and multi-policy.

It’s a good idea to ask each insurance company what discounts are available to you. Some of the discounts discussed earlier might not be available to policyholders in your area. To see insurance companies who offer insurance discounts, click here.

Different people need different auto insurance coverages

When it comes to buying the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions may help you determine whether you could use an agent’s help.

  • How high should my medical payments coverage be?
  • When can I cancel my policy?
  • Will filing a claim cost me more?
  • Is rental equipment covered for theft or damage?
  • What is the rate difference between pleasure use and commuting?
  • Should I buy only the required minimum liability coverage?
  • Do I need PIP coverage since I have good health insurance?
  • Do I need special endorsements for business use of my vehicle?
  • What is no-fault insurance?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Auto insurance specifics

Knowing the specifics of your auto insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most auto insurance policies.

Auto liability insurance

Liability coverage protects you from injuries or damage you cause to other people or property. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as repair costs for stationary objects, medical services and medical expenses. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your 2008 Suzuki XL7.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Usually these limits are identical to your policy’s liability coverage.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as vandalism, damage from a tornado or hurricane, falling objects, fire damage and hitting a deer. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage

Collision insurance pays for damage to your XL7 resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like colliding with another moving vehicle, colliding with a tree and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like rehabilitation expenses, doctor visits and X-ray expenses. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

You can do this!

Throughout this article, we presented many ways to save on 2008 Suzuki XL7 insurance. It’s most important to understand that the more you quote insurance coverage, the better your chances of lowering your prices. Consumers may even find the best premium rates are with a smaller regional carrier. Regional companies may only write in your state and offer lower prices than the large multi-state companies such as State Farm or Progressive.

Budget-friendly car insurance can be purchased on the web as well as from independent agents, so you should be comparing quotes from both so you have a total pricing picture. A few companies may not provide price quotes online and many times these smaller providers provide coverage only through local independent agencies.

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