2013 Suzuki Grand Vitara Insurance Quotes – 9 Tricks for Cheapest Rates

Locating cheaper insurance for your Suzuki Grand Vitara can normally be difficult, but you can learn the following methods to make it easier. There are both good and bad ways to shop for insurance so you’re going to learn the quickest way to quote coverages on a Suzuki and find the lowest price either online or from local insurance agents.

How to Get Auto Insurance Comparison Quotes

Finding a better price on auto insurance is not a difficult process. You just have to invest a few minutes comparing price quotes provided by online insurance companies. This can be done in several different ways.

  1. The single most time-saving way to find low rates is an all-inclusive rate comparison click here to open form in new window. This easy form keeps you from doing multiple quote forms for each company. One quote request gets rate comparisons instantly. This is by far the quickest method.
  2. A more time consuming way to compare prices consists of going to the website for each individual company to complete their respective quote request forms. For sake of this example, let’s say you want comparison quotes from Progressive, Safeco and Travelers. To get each rate you have to take the time to go to each site and enter your information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

  3. The most time-consuming way to compare rates is to drive around to insurance agents’ offices. The ability to buy insurance online can eliminate the need for a local agent unless you require the personal advice only provided by licensed agents. You can, however, compare online quotes and still use a local agent and we’ll cover that in a bit.

Which method you use is up to you, but ensure you’re using apples-to-apples coverage limits for each comparison quote. If your comparisons have mixed coverages it’s not possible to determine which rate is truly the best.

Save with discounts on 2013 Suzuki Grand Vitara insurance

Companies that sell car insurance don’t always list every available discount in a way that’s easy to find, so we researched both the well known and the more hidden ways to save on insurance. If you aren’t receiving every discount possible, you are throwing money away.

  • Federal Government Employee – Simply working for the federal government can save as much as 8% for Grand Vitara insurance with select insurance companies.
  • Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same company you will save approximately 10% to 15%.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Suzuki could be rewarded with discounted rates on garaged vehicles.
  • Accident Forgiveness – Certain companies will allow you to have one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
  • Discount for Life Insurance – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
  • Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Defensive Driving Course – Taking part in a course teaching defensive driving skills can save you 5% or more if you qualify.

It’s important to note that most discount credits are not given to the entire policy premium. Most only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you can get free auto insurance, you’re out of luck.

For a list of providers with the best insurance discounts, click here to view.

Tailor your coverage to you

When choosing proper insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions can help discover whether you could use an agent’s help.

  • When should my teen driver be added to my policy?
  • Does having multiple vehicles earn me a discount?
  • What is the minimum liability in my state?
  • What if I don’t agree with a claim settlement offer?
  • Should I put collision coverage on all my vehicles?
  • Why do I need rental car insurance?
  • Is upholstery damage covered by car insurance?
  • Do I need PIP coverage since I have good health insurance?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, complete this form. It is quick, free and may give you better protection.

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

Consumers can’t get away from ads for cheaper car insurance by State Farm and Allstate. They all seem to have a common claim about savings after switching to their company.

How do they all claim to save you money? This is how they do it.

All companies have a preferred profile for the right customer that is profitable for them. For instance, a profitable customer might be profiled as between the ages of 30 and 50, is a homeowner, and drives newer vehicles. A propective insured who fits that profile will qualify for the lowest rates and therefore will save when they switch companies.

Consumers who are not a match for the “perfect” profile will have to pay a higher premium and ends up with the customer not buying. The ad wording is “drivers who switch” not “everyone that quotes” save that much money. That is how insurance companies can claim big savings. Because of the profiling, drivers must get a wide range of price quotes. Because you never know which car insurance company will provide you with the cheapest Suzuki Grand Vitara insurance rates.

Insurance policy coverages for a Suzuki Grand Vitara

Understanding the coverages of insurance can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a bird, falling objects and rock chips in glass. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto collision coverage

This covers damage to your Grand Vitara resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a mailbox, sustaining damage from a pot hole, colliding with a tree, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 2013 Suzuki Grand Vitara.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for bills for prosthetic devices, doctor visits and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

This coverage can cover damage that occurs to other’s property or people. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage pays for things like bail bonds, medical services and attorney fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Saving money makes a lot of cents

Cheaper 2013 Suzuki Grand Vitara insurance can be purchased on the web in addition to many insurance agents, so you should compare both to get a complete price analysis. Some insurance companies do not provide online price quotes and these small insurance companies work with independent agents.

Consumers change insurance companies for a number of reasons such as poor customer service, high rates after DUI convictions, delays in responding to claim requests or even denial of a claim. It doesn’t matter what your reason, finding a new company is not as hard as you think.

You just learned some good ideas how to save on insurance. The most important thing to understand is the more times you quote, the higher your chance of finding lower rates. Drivers may discover the lowest rates come from some of the lesser-known companies.

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