2008 Suzuki Grand Vitara Insurance Cost – 9 Tricks for Cheapest Prices

Looking for lower car insurance rates for your Suzuki Grand Vitara? Have you fallen victim to overpriced car insurance? Trust us when we tell you there are many people just like you. Popular companies such as Allstate, Progressive and GEICO persitently shower you with catchy ads and it is difficult to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

If you have a policy now or need new coverage, you can learn to reduce the price you pay while maximizing coverage. Finding the best rates is not rocket science. Consumers just need to understand how to shop online.

The quickest method to compare car insurance company rates is to know the trick most insurance companies will pay a fee to compare their rates. To begin a comparison, all you need to do is provide a little information including coverage limits, if it has an anti-theft system, driver ages, and if you lease or own. The data is instantly provided to insurance carriers in your area and you should receive rate quotes instantly.

To compare multiple company rates now, click here and find out if lower rates are available.

Can you really save $408 a year?

Consumers get pounded daily by advertisements that promise big savings from the likes of Progressive, Allstate and GEICO. They all say the same thing that you can save if you switch your coverage to them.

How does each company claim to save you money?

All the different companies have a certain “appetite” for the driver that makes them money. An example of a profitable customer might be over the age of 50, a clean driving record, and drives less than 10,000 miles a year. Any new insured that hits that “sweet spot” will get the preferred rates and as a result will probably save when switching.

Consumers who don’t qualify for the “perfect” profile will be quoted a more expensive rate and ends up with business going elsewhere. The ad wording is “customers that switch” not “everybody who quotes” save that kind of money. That is how companies can truthfully make those claims.

This emphasizes why you absolutely need to get as many comparisons as possible. It’s not possible to predict the company that will give you the biggest savings on Suzuki Grand Vitara insurance.

Don’t miss out on these nine money-saving discounts

Car insurance is not cheap, but companies offer discounts to help bring down the price. Most are applied at the time you complete a quote, but a few need to be specially asked for in order for you to get them. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Multiple Policy Discount – When you combine your home and auto insurance with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% for Grand Vitara coverage with certain companies.
  • Defensive Driver – Taking part in a course in driver safety could cut 5% off your bill depending on where you live.
  • Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
  • Multiple Vehicles – Insuring multiple vehicles on one policy qualifies for this discount.
  • Military Discounts – Being deployed with a military unit could mean lower rates.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Senior Citizens – If you’re over the age of 55, you may qualify for a small decrease in premiums for Grand Vitara coverage.
  • Organization Discounts – Being a member of a professional or civic organization could trigger savings on insurance coverage for Grand Vitara coverage.

It’s important to understand that most of the big mark downs will not be given to the entire cost. Most only cut the cost of specific coverages such as comprehensive or collision. So when it seems like you could get a free insurance coverage policy, it doesn’t quite work that way. But all discounts will bring down your premiums.

To see a list of insurance companies who offer insurance coverage discounts, click here to view.

Do I need special coverages?

When buying adequate coverage for your vehicles, there really is not a perfect coverage plan. Each situation is unique and your policy should reflect that. These are some specific questions may help you determine if your insurance needs might need professional guidance.

  • Does my medical payments coverage pay my health insurance deductible?
  • What vehicles should carry emergency assistance coverage?
  • Is extra glass coverage worth it?
  • Where can I get insurance after a DUI in my state?
  • Are there companies who specialize in insuring high-risk drivers?
  • Should I carry comprehensive and collision coverage?
  • Should I waive the damage coverage when renting a car?
  • Am I insured when driving a different vehicle?
  • Do I have coverage when pulling a U-Haul trailer?
  • What is the difference between comprehensive and collision coverage?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Insurance coverage breakdown

Learning about specific coverages of your policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages available from insurance companies.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like hospital visits, surgery, ambulance fees and funeral costs. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Liability auto insurance

Liability insurance will cover damage that occurs to other people or property by causing an accident. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like medical services, loss of income, pain and suffering, funeral expenses and attorney fees. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Comprehensive insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a broken windshield, rock chips in glass, damage from flooding and theft. The maximum amount you can receive from a comprehensive claim 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.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as damaging your car on a curb, backing into a parked car, crashing into a building and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Suzuki Grand Vitara.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

At the end of the day…

Throughout this article, we presented many ideas to reduce 2008 Suzuki Grand Vitara insurance prices online. It’s most important to understand that the more times you quote, the better your comparison will be. You may even discover the lowest priced car insurance comes from a small mutual company. Smaller companies may cover specific market segments cheaper than their larger competitors like State Farm and Allstate.

Discount insurance can be purchased both online as well as from independent agents, and you should be comparing both to have the best rate selection. A few companies don’t offer online quoting and many times these small insurance companies only sell through independent insurance agents.

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