2002 Suzuki Vitara Car Insurance Quotes

Buyers have lots of choices when searching for the lowest priced Suzuki Vitara insurance. You can either spend your time driving around getting price quotes or save time using the internet to compare rates. There are more efficient ways to compare insurance rates so we’re going to tell you the absolute fastest way to compare rates on a Suzuki and locate the lowest possible price from both online companies and local agents.

Suzuki Vitara insurance rates can be determined by these details

Consumers need to have an understanding of the factors that play a part in calculating your car insurance rates. Having a good understanding of what determines base rates helps enable you to make changes that may reward you with big savings.

Shown below are some of the factors that factor into rates.

  • Do you know your deductibles? – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Suzuki. Examples of covered claims could be colliding with a building, damage from fire, or theft. The deductibles are how much you are required to spend if you file a covered claim. The higher the amount you’re willing to pay, the bigger discount you will receive for Vitara insurance.
  • Your car’s features help determine rates – Owning a car with anti-theft technology or alarm system can help bring down rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft.
  • Teen drivers pay high rates – Mature drivers are more responsible, statistically cause fewer accidents and are safer drivers. Teenage drivers are known to be careless and easily distracted in a vehicle and because of this, their car insurance rates are much higher.
  • Better credit means lower rates – Your credit rating is a huge factor in determining what you pay for car insurance. Drivers with good credit tend to file fewer claims and have better driving records than those with poor credit. If your credit score can use some improvement, you could potentially save money when insuring your 2002 Suzuki Vitara by repairing your credit.
  • Where you live is a factor – Being located in a small town can save you money when insuring your vehicles. Drivers who live in large cities have traffic congestion and much longer commute distances. Fewer drivers translates into fewer accidents and a lower car theft rate.
  • Proper usage rating affects rates – The higher the mileage driven every year the higher your rates will be. Almost all companies apply a rate based upon how you use the vehicle. Cars left parked in the garage qualify for better rates than vehicles that are driven to work every day. An improperly rated Vitara may be wasting your money. Make sure your car insurance declarations sheet shows the correct usage for each vehicle.
  • Little extras can really add up – There are quite a few extra bells and whistles that you can buy on your car insurance policy. Coverages like roadside assistance, towing coverage and membership fees are examples of these. These may sound like a good investment initially, but your needs may have changed so get rid of them and save.
  • Choose a safe vehicle and save – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles protect occupants better and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders. If your Suzuki scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.

Car Insurance Comparison Rates

There are multiple methods to compare 2002 Suzuki Vitara car insurance prices and some are more efficient than others. You can waste a lot of time driving to insurance agencies in your area, or you could use the web to get rates in a matter of minutes.

Most major companies participate in an industry program that allows shoppers to submit their information once, and every company can give them a price based on the submitted data. This system prevents you from having to do quote forms for every car insurance company. To compare 2002 Suzuki Vitara rates using this form now click to open in new window.

One minor caviat to doing it this way is that you can’t choose the companies you will receive quotes from. So if you want to choose from a list of companies to compare, we have a page of the cheapest car insurance companies in your area. View list of insurance companies.

Whichever way you use, double check that you are using exactly the same deductibles and coverage limits for every quote you compare. If the quotes have different liability limits you can’t possibly make an equal comparison.

How can Allstate, GEICO and Progressive save drivers who switch?

Consumers get pounded daily by advertisements for car insurance savings by Allstate, GEICO and Progressive. They all seem to make the same claim about savings after switching to their company.

How do they all make almost identical claims?

Different companies have a preferred profile for the type of driver that earns them a profit. For instance, a preferred risk might be between the ages of 40 and 55, is a homeowner, and drives less than 10,000 miles a year. A customer who meets those qualifications will get very good rates and is almost guaranteed to cut their rates substantially.

Consumers who are not a match for the requirements will have to pay higher prices and this can result in business going elsewhere. The ads state “people who switch” not “people who quote” save that kind of money. That is how insurance companies can confidently claim big savings. Because of the profiling, drivers should get as many comparisons as possible. It’s impossible to know the company that will fit your personal profile best.

Do you qualify for a discount?

Companies that sell car insurance do not list all available discounts very well, so here is a list both well-publicized and the harder-to-find discounts you could be receiving. If you don’t get every credit you qualify for, you are paying more than you should be.

  • Accident Free – Drivers who don’t have accidents can earn big discounts when compared to drivers who are more careless.
  • Paperless Signup – A few companies may give you up to $50 simply for signing on their website.
  • Homeowners Pay Less – Simply owning a home can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Payment Method – By paying your policy upfront instead of making monthly payments you could save 5% or more.
  • Resident Student – Children who are attending college and don’t have a car may qualify for this discount.
  • Discount for Swiching Early – Some companies give discounts for switching policies prior to your current policy expiring. The savings is around 10%.
  • Passive Restraints – Factory air bags or automatic seat belts can get savings of up to 25% or more.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.

Consumers should know that most discount credits are not given to the entire policy premium. Some only apply to individual premiums such as collision or personal injury protection. Just because you may think it’s possible to get free car insurance, you’re out of luck.

To see a list of insurers offering insurance coverage discounts, follow this link.

What coverages do I need?

When buying adequate coverage for your personal vehicles, there really is no perfect coverage plan. Each situation is unique.

For example, these questions can aid in determining whether you may require specific advice.

  • Should I rate my 2002 Suzuki Vitara as pleasure use or commute?
  • Where can I get insurance after a DUI in my state?
  • Does my insurance cover my expensive audio equipment?
  • How can I find cheaper teen driver insurance?
  • When should my teen driver be added to my policy?
  • Should I buy full coverage?
  • Is my camper covered by my car insurance policy?
  • Which companies will insure high-risk drivers?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

Detailed coverages of your auto insurance policy

Learning about specific coverages of auto insurance can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like doctor visits, prosthetic devices, chiropractic care, rehabilitation expenses and hospital visits. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, rock chips in glass and fire damage. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage protection

This pays for damage to your Vitara resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like rolling your car, sustaining damage from a pot hole and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.


This coverage protects you from damages or injuries you inflict on people or other property. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things such as loss of income, medical services and emergency aid. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 2002 Suzuki Vitara.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

A little work can save a LOT of money

Cheaper 2002 Suzuki Vitara insurance is definitely available on the web as well as from independent agents, so compare prices from both in order to have the best chance of saving money. Some insurance companies don’t offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

You just learned some good ideas how to lower your insurance rates. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. Consumers could even find that the best prices are with a lesser-known regional company.

When you buy insurance online, it’s very important that you do not buy less coverage just to save a little money. There are many occasions where an accident victim reduced liability limits or collision coverage and learned later they didn’t have enough coverage. Your aim should be to find the BEST coverage at a price you can afford while still protecting your assets.

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