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2001 Suzuki Vitara Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jun 13, 2015

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Searching for the cheapest car insurance rates for your Suzuki Vitara? Sick and tired of trying to scrape together enough money to insure your Suzuki every month? You are in the same boat as many other consumers.

Consumers have many auto insurance companies to insure vehicles with, and though it is a good thing to have multiple companies, too many choices makes it more difficult to compare rates and cut insurance costs.

It is always a good idea to shop coverage around on a regular basis because rates are rarely the same from one policy term to another. If you had the best deal on Vitara insurance a few years ago you can probably find a lower rate today. Forget all the misinformation about car insurance because you’re about to find out the proper way to find the best coverage while lowering your premiums.

The fastest way that we advise to compare car insurance company rates is to know the trick most of the larger companies will pay a fee to quote your coverage. All you need to do is give the companies some data such as whether you are married, any included safety features, your general credit rating, and coverage limits. The data gets sent immediately to many different companies and you should receive rate quotes within a short period of time.

To check rates for your 2001 Suzuki Vitara, click here then complete the form.

Don’t believe everything you hear

Car insurance companies such as GEICO, State Farm and Progressive regularly use television and radio advertisements. They all seem to make an identical promise that you can save if you move to them. How can each company make the same claim?

All the different companies can use profiling for the driver that earns them a profit. For example, a preferred risk could be between the ages of 30 and 50, a clean driving record, and drives less than 10,000 miles a year. Any driver who meets those qualifications will get very good rates and therefore will save when switching.

Consumers who fall outside this ideal profile will be charged a more expensive rate and ends up with business not being written. The ads state “people who switch” not “people who quote” save money. That is how companies can claim big savings.

That is why you should quote coverage with many companies. It’s impossible to know which company will fit your personal profile best.

Policy discounts you shouldn’t miss

Insuring your fleet can be pricey, but there are discounts available that can drop the cost substantially. Some trigger automatically when you complete an application, but some may not be applied and must be specifically requested before they will apply.

  • Homeowners Savings – Being a homeowner may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • Passive Restraints – Cars that have air bags or automatic seat belts can qualify for discounts of up to 25% or more.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
  • Payment Discounts – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
  • Student Driver Training – Have your child complete a driver education course in school.
  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off your medical payments premium.
  • Accident Free – Drivers with accident-free driving histories can save substantially when compared to frequent claim filers.

Keep in mind that some of the credits will not apply to all coverage premiums. Most only apply to individual premiums such as medical payments or collision. Just because you may think you would end up receiving a 100% discount, it doesn’t quite work that way. But all discounts will reduce your overall premium however.

For a list of insurance companies offering auto insurance discounts, click this link.

Insurance agents can help

When buying the right insurance coverage, there really is no best way to insure your cars. Every situation is different so your insurance should reflect that For instance, these questions could help you determine if your insurance needs would benefit from an agent’s advice.

  • Am I covered if I hit a deer?
  • Which is better, split liability limits or combined limits?
  • Is my teen driver covered when they drive my company car?
  • Am I covered by my spouse’s policy after a separation?
  • How can I get my company to pay me more for my totalled car?
  • Are my friends covered when driving my 2001 Suzuki Vitara?
  • What is the rate difference between pleasure use and commuting?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Insurance coverage breakdown

Learning about specific coverages of your policy 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. These are the usual coverages available from insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these coverages are identical to your policy’s liability coverage.

Insurance for medical payments

Med pay and PIP coverage pay for expenses for nursing services, funeral costs, prosthetic devices, X-ray expenses and dental work. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

This pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, damage from flooding and theft. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage

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

Collision can pay for claims such as sideswiping another vehicle, colliding with another moving vehicle, hitting a mailbox, sustaining damage from a pot hole and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Liability car insurance

Liability coverage protects you from damages or injuries you inflict on people or other property. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as emergency aid, pain and suffering, funeral expenses, structural damage and repair costs for stationary objects. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Save your hard earned cash

We just covered many ideas to get a better price on 2001 Suzuki Vitara insurance. The key concept to understand is the more times you quote, the better your chances of lowering your rates. Drivers may discover the best price on insurance coverage is with a small local company. They can often insure niche markets at a lower cost as compared to the big name companies such as State Farm, GEICO and Nationwide.

While you’re price shopping online, it’s very important that you do not reduce needed coverages to save money. Too many times, someone dropped physical damage coverage only to regret they didn’t purchase enough coverage. The ultimate goal is to buy enough coverage at the best price while not skimping on critical coverages.

To learn more, link through to the articles below:

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