1999 Suzuki Vitara Insurance Cost – 5 Tricks for Cheaper Prices

Looking for the cheapest auto insurance rates for your Suzuki Vitara? Sick and tired of paying out the nose each month for car insurance? You are no different than many other drivers.

Numerous insurers battle for your hard-earned dollar, so it’s not easy to compare every company to find the absolute best rates possible.

Discounts are great for lower rates

Companies don’t always list all available discounts in an easy-to-find place, so we break down both the well known and also the lesser-known savings tricks you should be using.

  • Low Mileage – Fewer annual miles on your Suzuki can qualify you for discounted rates on garaged vehicles.
  • Student in College – Youth drivers who are attending college and don’t have a car can receive lower rates.
  • 55 and Retired – Older drivers may qualify for a small decrease in premiums on Vitara coverage.
  • Life Insurance – Some companies give a break if you buy life insurance from them.
  • Seat Belt Usage – Requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.

It’s important to note that most discounts do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, you won’t be that lucky.

To see a list of companies with the best auto insurance discounts, click this link.

You may need specialized coverage

When choosing the best car insurance coverage for your personal vehicles, there is no single plan that fits everyone. Each situation is unique so your insurance should reflect that For example, these questions might point out whether your personal situation would benefit from professional advice.

  • Is my Suzuki Vitara covered if I use it for business?
  • What is high-risk coverage and where do I buy it?
  • How many claims can I have before being cancelled?
  • Is business equipment covered while in my vehicle?
  • How do I insure my teen driver?
  • Where can I get insurance after a DUI in my state?
  • How can I get my company to pay me more for my totalled car?
  • Should I buy more coverage than the required minimum liability coverage?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

The coverage is in the details

Understanding the coverages of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on the average insurance policy.

Comprehensive insurance

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from getting keyed, fire damage and a broken windshield. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto collision coverage

Collision insurance covers damage to your Vitara caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as hitting a parking meter, colliding with a tree and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Auto liability insurance

This coverage protects you from injuries or damage you cause to other people or property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as emergency aid, loss of income, repair bills for other people’s vehicles and funeral expenses. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like X-ray expenses, surgery, funeral costs, nursing services and prosthetic devices. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers 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

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Cheaper insurance is a realistic goal

Cheap 1999 Suzuki Vitara insurance can be purchased from both online companies in addition to many insurance agents, so you should compare both to have the best selection. A few companies do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

When you buy insurance online, don’t be tempted to skimp on coverage in order to save money. In many instances, an accident victim reduced collision coverage and discovered at claim time that it was a big error on their part. The proper strategy is to buy enough coverage for the lowest price while not skimping on critical coverages.

More tips and info about car insurance is located in these articles: