How Much Does 2009 Suzuki Grand Vitara Insurance Cost?

No car owner loves paying for car insurance, especially when they are aware that they could find better rates elsewhere.

You have so many car insurance companies to buy insurance from, and though it is a good thing to have a selection, so many choices can make it hard to compare rates.

Five things that influence your insurance rates

It’s important that you understand some of the elements that aid in calculating insurance rates. If you know what impacts premium levels, this allows you to make good choices that will entitle you to better insurance rates.

  • Avoid traffic tickets – Having a clean driving record has a huge affect on how much you pay. Good drivers receive lower rates than bad drivers. Even a single speeding ticket may cause rates to rise twenty percent or more. Drivers who get license-revoking violations like DWI, reckless driving or hit and run convictions may find they need to maintain a SR-22 with their state’s department of motor vehicles in order to prevent a license revocation.
  • Too many insurance claims drive up prices – Car insurance companies generally give lower rates to insureds who file claims infrequently. If you tend to file frequent claims, you can definitely plan on either higher rates or even cancellation. Insurance coverage is intended to be relied upon for claims that pose a financial burden.
  • Cars with good safety ratings save money – Cars with five star safety ratings are cheaper to insure. Vehicles built for safety have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Suzuki is rated at a minimum four stars on Safercar.gov you may qualify for a discount.
  • City dwellers may pay more – Living in less populated areas of the country can be a good thing when talking about insurance. People in densly populated areas regularly have more auto accidents and higher rates of accident claims. Fewer drivers and short commutes means fewer accidents in addition to fewer liability claims.
  • Good credit saves on insurance – Having a bad credit score is likely to be a major factor in your rate calculation. If your credit rating is not that good, you may save money insuring your 2009 Suzuki Grand Vitara by repairing your credit. Drivers who have excellent credit scores tend to file fewer claims than drivers who have bad credit.

Find hidden discounts on insurance

Some companies don’t necessarily list the entire discount list very well, so the list below details a few of the more common and the more hidden discounts you could be receiving when you buy auto insurance online.

  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on Grand Vitara coverage as compared to drivers with claims.
  • Payment Method – By making one initial payment instead of making monthly payments you can actually save on your bill.
  • Distant College Student Discount – Youth drivers living away from home attending college without a vehicle on campus can receive lower rates.
  • Drivers Ed for Students – Have your child take driver’s ed class in school.
  • Anti-lock Brake Discount – Cars with ABS braking systems or traction control prevent accidents so you can save 10 percent or more.
  • Defensive Driver – Successfully completing a course that instructs on driving safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Multi-car Discount – Insuring multiple cars or trucks on a single policy could earn a price break for each car.
  • Auto/Home Discount – When you combine your homeowners and auto insurance with the same company you could get a discount of up to 20% off your total premium.
  • Onboard Data Collection – Drivers that enable driving data submission to spy on driving habits by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates as long as they are good drivers.

A quick disclaimer, most discount credits are not given to the overall cost of the policy. Most only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates you would end up receiving a 100% discount, it just doesn’t work that way.

A list of companies and their offered discounts are included below.

  • Mercury Insurance discounts include location of vehicle, anti-theft, age of vehicle, multi-policy, multi-car, ease of repair, and type of vehicle.
  • Farmers Insurance offers discounts for bundle discounts, mature driver, youthful driver, business and professional, teen driver, and multi-car.
  • Farm Bureau offers premium reductions for 55 and retired, driver training, safe driver, youthful driver, and renewal discount.
  • State Farm has savings for safe vehicle, Drive Safe & Save, good driver, student away at school, Steer Clear safe driver discount, passive restraint, and anti-theft.
  • Allstate has discounts for defensive driver, EZ pay plan discount, safe driver, resident student, good student, and premier plus.
  • Geico offers discounts including emergency military deployment, military active duty, good student, driver training, daytime running lights, air bags, and membership and employees.

Double check with all companies you are considering to give you their best rates. Some of the discounts discussed earlier may not be offered in every state. To locate insurance companies that offer the discounts shown above, follow this link.

Save 15 percent in 15 minutes? Is it for real?

Companies like Progressive, Geico, Allstate and State Farm endlessly run ads on TV and radio. All the companies convey the message that you’ll save big just by switching to their company. How can each company say the same thing? Just pay attention to how they say it.

All companies quote their best rates for the type of customer that is profitable for them. For example, a profitable customer might be a married female, has other policies, and drives less than 5,000 miles a year. Someone who matches that profile will probably get cheap car insurance rates and as a result will probably save a lot of money.

Drivers who are not a match for these stringent criteria may be forced to pay a higher rate and ends up with the driver buying from a lower-cost company. The trick is to say “customers who switch” not “everyone that quotes” save that much. This is how insurance companies can confidently make it sound like they have such great rates. Different companies use different criteria so you need to do a price quote comparison at every renewal. Because you never know which auto insurance company will give you lower prices than your current company.

Tailor your insurance coverage to you

When buying adequate coverage, there really is no cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if your insurance needs will benefit from professional help.

  • Is my state a no-fault state?
  • Do I have coverage when making deliveries for my home business?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • I have a DUI can I still get coverage?
  • What is an SR-22 filing?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What is the ISO rating for a 2009 Suzuki Grand Vitara?

If you’re not sure about those questions but a few of them apply, 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.

Coverages available on your insurance policy

Learning about specific coverages of your insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages available from insurance companies.

Coverage for medical expenses – Med pay and PIP coverage kick in for expenses like hospital visits, X-ray expenses, rehabilitation expenses, EMT expenses and chiropractic care. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a bird, damage from a tornado or hurricane, theft, damage from flooding and a broken windshield. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage – Collision coverage will pay to fix damage to your Grand Vitara caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as crashing into a ditch, colliding with a tree, damaging your car on a curb, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers – This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability insurance – This can cover damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as legal defense fees, loss of income and bail bonds. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Shop. Compare. Save.

Cheap 2009 Suzuki Grand Vitara insurance can be sourced on the web in addition to local insurance agencies, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies do not provide online rate quotes and usually these smaller companies work with independent agents.

As you restructure your insurance plan, don’t be tempted to reduce coverage to reduce premium. Too many times, an accident victim reduced collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase a proper amount of coverage for the lowest cost, not the least amount of coverage.

Throughout this article, we presented some good ideas how you can shop for 2009 Suzuki Grand Vitara insurance online. It’s most important to understand that the more providers you compare, the higher the chance of saving money. You may even find the best car insurance rates are with some of the smallest insurance companies. These companies often have lower premium rates on specific markets than their larger competitors like Progressive and Geico.

Much more information about insurance coverage is located below: