2006 Suzuki Grand Vitara Insurance Rates – 6 Tricks for Cheaper Quotes

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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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Want the cheapest insurance rates for your Suzuki Grand Vitara? Tired of robbing Peter to pay Paul to insure your Suzuki every month? You’re in the same situation as many other consumers. Drivers have multiple auto insurance companies to choose from, and although it’s a good thing to be able to choose, it makes it harder to find the lowest rates.

It’s a good habit to do rate comparisons once or twice a year because rates are usually higher with each renewal. Just because you had the best deal for Grand Vitara insurance last year you can probably find a lower rate today. There is a lot of bad advice regarding insurance online, so I’m going to show you some tested techniques to save money.

Finding affordable coverage is not that difficult. If you have a policy now or need new coverage, you will benefit by learning to get lower rates and possibly find even better coverage. Drivers just need to understand the proper way to compare price quotes over the internet.

Discounts can save BIG

Companies offering auto insurance don’t necessarily list all their discounts very clearly, so we break down some of the best known and the harder-to-find insurance savings. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Distant Student – Youth drivers who are attending college without a vehicle on campus may qualify for this discount.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags can qualify for discounts of 20% or more.
  • Accident Forgiveness – Some insurance companies will forgive one accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Use Seat Belts – Drivers who require all occupants to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
  • Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
  • Early Signing – A few companies offer discounts for signing up prior to your current policy expiration. This can save 10% or more.

Drivers should understand that most discount credits are not given to all coverage premiums. Most only reduce individual premiums such as comp or med pay. Even though it may seem like adding up those discounts means a free policy, it doesn’t quite work that way.

A partial list of companies that may offer these money-saving discounts include:

Before buying, ask each company which discounts they offer. All car insurance discounts may not be available in your state.

Are you falling for claims of savings?

Drivers get pounded daily by advertisements that promise big savings by companies like State Farm, Allstate and GEICO. All the ads make the same claim of big savings if you move to them.

How does each company say the same thing?

Insurance companies have a certain “appetite” for the type of driver that earns them a profit. For example, a driver they prefer might be profiled as between 30 and 50, has no prior claims, and has a short commute. Any driver who fits that profile will get very good rates and therefore will pay quite a bit less when switching companies.

Potential customers who do not match the “perfect” profile must pay a more expensive rate and this can result in business not being written. The ads say “customers who switch” not “everybody who quotes” save that much. This is how companies can claim big savings. This illustrates why it is so important to get a wide range of price quotes. It’s impossible to know which insurance companies will have the lowest Suzuki Grand Vitara insurance rates.

Will just any policy work for me?

When it comes to buying adequate coverage for your personal vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions can help discover whether your personal situation might need an agent’s assistance.

  • How much liability do I need to cover my assets?
  • What if I total my 2006 Suzuki Grand Vitara and owe more than it’s worth?
  • Why does it cost so much to insure a teen driver?
  • Am I missing any policy discounts?
  • Do I need to file an SR-22 for a DUI in my state?
  • Does my personal policy cover me when driving out-of-state?
  • Why am I required to buy liability insurance?
  • What is roadside assistance coverage?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It only takes a few minutes and may give you better protection.

Insurance coverages and their meanings

Learning about specific coverages of insurance helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Shown next are the usual coverages found on most insurance policies.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for expenses for surgery, funeral costs, nursing services and ambulance fees. They are used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

This covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like a broken windshield, rock chips in glass and vandalism. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto collision coverage

This covers damage to your Grand Vitara caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like damaging your car on a curb, colliding with a tree and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Auto liability insurance

This coverage provides protection from injuries or damage you cause to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.

Liability can pay for claims such as repair bills for other people’s vehicles, pain and suffering and loss of income. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Suzuki Grand Vitara.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Be a Smart Shopper

Cost effective 2006 Suzuki Grand Vitara insurance can be bought from both online companies and also from your neighborhood agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

When you buy insurance online, do not skimp on critical coverages to save a buck or two. There are a lot of situations where an insured cut comprehensive coverage or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible at an affordable rate while still protecting your assets.

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