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2002 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: Nov 23, 2017

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Buyers have many options when searching for the lowest priced Suzuki Vitara insurance. They can either waste time contacting agents to get rate comparisons or utilize the internet to make rate comparisons. There are more efficient ways to compare car insurance rates so we’re going to tell you the quickest way to price shop coverage for a new or used Suzuki and obtain the best price possible from both online companies and local agents.

Smart consumers take time to price shop coverage occasionally because insurance rates are rarely the same from one policy term to another. Even if you got the best price for Vitara insurance a few years ago you may be paying too much now. Ignore everything you know about car insurance because we’re going to demonstrate how to use online quotes to find better coverage at a better price.

More discounts equal less premium

Car insurance companies don’t always publicize all their discounts in an easy-to-find place, so here is a list some of the more common and the more hidden discounts you could be receiving. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Use Seat Belts – Drivers who require all occupants to use their safety belts could save 15% off your PIP or medical payments premium.
  • Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • New Car Discount – Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
  • Senior Discount – Mature drivers may receive better car insurance rates for Vitara insurance.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off for Vitara insurance depending on your company.

It’s important to understand that most of the big mark downs will not be given the whole policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, you won’t be that lucky.

To see a list of insurers with the best car insurance discounts, click this link.

The best way we recommend to compare insurance rates from multiple companies takes advantage of the fact most insurance companies actually pay money for the chance to provide you with free rate quotes. The only thing you need to do is provide the companies a bit of rating information such as if a SR-22 is needed, distance driven, coverage limits, and if you went to college. The rating information is then submitted to multiple top-rated companies and they return rate quotes very quickly.

To compare rates for a 2002 Suzuki Vitara now, click here and complete the quick form.

It’s not one size fits all

When it comes to buying coverage for your personal vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions could help you determine whether or not you would benefit from professional advice.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Why do I need rental car insurance?
  • Am I covered when pulling a rental trailer?
  • Do I have coverage for damage caused while driving under the influence?
  • Does my policy pay for OEM or aftermarket parts?
  • Can my teen drive my company car?
  • I don’t drive much so do I pay less?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverages

Understanding the coverages of insurance can help you determine the best coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as dental work, ambulance fees and nursing services. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability auto insurance – Liability coverage protects you from damage or injury you incur to other people or property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like repair costs for stationary objects, loss of income, legal defense fees, court costs and attorney fees. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Comprehensive insurance – This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as fire damage, hitting a deer and vandalism. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverages – This coverage pays for damage to your Vitara resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sideswiping another vehicle, hitting a mailbox, rolling your car, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your 2002 Suzuki Vitara.

Because many people 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.

Buy online or local, you save

You just read some good ideas how to lower your 2002 Suzuki Vitara insurance rates. The key concept to understand is the more you quote, the better chance you’ll have of finding lower rates. You may even find the biggest savings come from an unexpected company.

When shopping online for auto insurance, it’s very important that you do not reduce coverage to reduce premium. In too many instances, someone dropped liability limits or collision coverage only to regret at claim time that it was a big mistake. Your strategy should be to buy a smart amount of coverage at the best price, not the least amount of coverage.

Discount insurance can be found both online and also from your neighborhood agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

More tips and info about auto insurance can be read in the articles below:

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