2007 Suzuki Grand Vitara Insurance Cost

Want the cheapest auto insurance rates for your Suzuki Grand Vitara? Are you at wits end from being strong-armed to pay auto insurance each month? You have the same problem as many other consumers.

Due to the large number of insurance providers from which to choose, it can be hard to choose the lowest price company.

Consumers should take time to shop coverage around before your next renewal due to the fact that insurance rates are variable and change quite frequently. Even if you got the best deal on Grand Vitara insurance a couple years back you may be paying too much now. Ignore everything you know about auto insurance because we’re going to demonstrate how to quote online to properly buy coverages while reducing your premium.

The purpose of this post is to tell you how to effectively get price quotes. If you are paying for car insurance now, you should be able to reduce your rates substantially using these techniques. Nevertheless, consumers need to learn how the larger insurance companies market insurance on the web because it can help you find the best coverage.

How to buy auto insurance online

There are a variety of methods to compare auto insurance prices but some are less labor-intensive and much quicker. You can waste hours driving to insurance agencies in your area, or you can utilize the internet to get pricing more quickly.

Many of the larger companies enroll in a system that allows shoppers to enter their coverage request one time, and each participating company can give them a price based on that data. This prevents consumers from doing repetitive form submissions for every auto insurance company.

To use this form to compare rates click to open in new window.

One minor caviat to getting quotes like this is you can’t choose the insurers you want pricing from. If you prefer to choose specific insurance companies to request quotes from, we have a listing of companies who write auto insurance in your area. View list of insurance companies.

Compare rates however you want, just try to keep the same information on every quote you get. If each company quotes different values for each quote it will be very difficult to determine the best price for your Suzuki Grand Vitara. Even a minor difference in coverage limits may result in large price differences. And when comparing auto insurance rates, know that comparing more quotes increases your odds of finding the best rates. Some insurance companies are not set up to provide online rate quotes, so it’s important to also get rates from the smaller companies as well.

Don’t overlook these auto insurance discounts

Some insurers don’t always publicize every available discount very well, so we researched both well-publicized and the more hidden credits available to lower your premiums when you buy car insurance online.

  • ABS and Traction Control Discounts – Vehicles with ABS braking systems or traction control can stop better under adverse conditions so companies give up to a 10% discount.
  • Distant Student Discount – Older children who are attending college and leave their car at home could get you a discount.
  • Life Insurance – Some auto insurance companies give a discount if you purchase auto and life insurance together.
  • Accident-Free Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on car insurance quote when compared with frequent claim filers.
  • Safe Driver Discounts – Insureds who avoid accidents can save as much as half off their rates on Grand Vitara insurance compared to accident prone drivers.
  • Senior Citizen Discount – Mature drivers may be able to get lower premium rates on Grand Vitara insurance.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and qualify for as much as a 10% discount.
  • Home Ownership Discount – Just owning your own home can save you money because maintaining a house requires a higher level of personal finance.

As a sidenote, most of the big mark downs will not be given to all coverage premiums. Some only reduce individual premiums such as physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, companies wouldn’t make money that way.

Insurance companies who may offer these discounts may include but are not limited to:

Before purchasing a policy, check with each insurance company what discounts are available to you. Some of the discounts discussed earlier may not be offered everywhere.

When to get professional advice

When it comes to buying coverage, there isn’t really a “best” method to buy coverage. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine whether or not you could use an agent’s help.

  • How much liability coverage do I need in my state?
  • Does my 2007 Suzuki Grand Vitara qualify for pleasure use?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Why do I need rental car insurance?
  • Can my babysitter drive my car?
  • Are my tools covered if they get stolen from my vehicle?
  • Should I sign the liability waiver when renting a car?
  • What are the best liability limits?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Six things that impact your insurance premiums

Lots of factors are considered when quoting car insurance. A few of the factors are predictable like an MVR report, but some are more obscure like your vehicle usage or how financially stable you are.

The itemized list below are some of the things used by insurance companies to determine rates.

  • Where you reside can affect rates – Choosing to live in less populated areas of the country can be a good thing if you are looking for the lowest rates. People who live in big cities have traffic congestion and much longer commute distances. Less people living in that area translates into fewer accident claims.
  • Five star crash test rating saves money – Vehicles with good safety scores cost less to insure. Vehicles engineered for safety help reduce the chance of injuries in an accident and fewer injuries means less claims paid passed on to you as lower rates. If your Suzuki Grand Vitara is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Driver age impacts rates – Young drivers have been known to be less responsible when driving so they pay higher insurance coverage rates. Mature drivers are more responsible, statistically cause fewer accidents and tend to be get fewer driving tickets.
  • Which gender costs less? – Statistics demonstrate that women are safer drivers than men. Now that doesn’t mean men are worse drivers. Men and women get in fender benders in similar percentages, but guys tend to have more serious accidents. In addition to higher claims, males also have more aggressive citations like driving under the influence (DUI).
  • Alarm systems save money – Purchasing a vehicle that has a built-in theft deterrent system can help lower your premiums. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your car from being stolen.
  • Do you know you’re credit rating? – Having a bad credit history is likely to be a major factor in calculating your premium rate. If your credit score is low, you may save money insuring your 2007 Suzuki Grand Vitara by improving your credit score. Drivers with excellent credit scores tend to be more responsible as compared to drivers with poor credit.

Specific coverages for a 2007 Suzuki Grand Vitara

Having a good grasp of insurance aids in choosing the best coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average insurance policy.

Uninsured or underinsured coverage

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 2007 Suzuki Grand Vitara.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability car insurance

Liability insurance can cover injuries or damage you cause to people or other property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims like structural damage, emergency aid, repair costs for stationary objects, repair bills for other people’s vehicles and court costs. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Collision insurance

Collision insurance covers damage to your Grand Vitara resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as rolling your car, crashing into a building, colliding with another moving vehicle and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as funeral costs, prosthetic devices and dental work. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Comprehensive protection

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, damage from getting keyed, fire damage, damage from flooding and vandalism. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Shop around and save

You just learned a lot of ways to save on 2007 Suzuki Grand Vitara insurance. The most important thing to understand is the more companies you get premium rates for, the higher your chance of finding cheap car insurance. You may be surprised to find that the lowest car insurance rates come from a company that doesn’t do a lot of advertising. Regional companies often have lower premium rates on specific markets than the large multi-state companies such as Progressive and GEICO.

When trying to cut insurance costs, make sure you don’t buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits only to discover later that it was a big mistake. The proper strategy is to get the best coverage possible at the best cost, but do not sacrifice coverage to save money.

Additional auto insurance information can be found at the links below