2000 Suzuki Vitara Insurance Cost

Nobody I know looks forward to paying for insurance, particularly when the cost is too high. Since consumers have many different company options, it is very difficult to pick the right company.

You should make it a habit to check insurance prices before your policy renews due to the fact that insurance rates are constantly changing. Even if you got the lowest price on Vitara insurance a few years ago there is a good chance you can find better rates now. So forget all the misinformation about insurance because it’s time to teach you the only way to find lower rates on insurance.

Pricing affordable coverage is simple if you know the tricks. If you have insurance now or need a new policy, you can learn to find better prices and still get good coverage. Consumers only need to know how to compare price quotes over the internet.

Do you qualify for discounts?

Car insurance can cost a lot, but there could be available discounts that you may not even be aware of. Certain discounts will be triggered automatically when you get a quote, but a few must be inquired about before you will receive the discount. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates on Vitara insurance than drivers with accident claims.
  • Multi-car Discount – Insuring more than one vehicle on one policy qualifies for this discount.
  • Payment Method – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Bundle and Save – If you insure your home and vehicles with the same insurance company you may save at least 10% off all policies.
  • New Vehicle Savings – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
  • Senior Citizens – If you qualify as a senior citizen, you may receive a discount up to 10% on Vitara insurance.
  • No Charge for an Accident – Certain companies permit an accident before raising your premiums as long as you don’t have any claims for a certain period of time.
  • Own a Home – Being a homeowner can help you save on insurance coverage due to the fact that maintaining a home is proof that your finances are in order.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Some only reduce individual premiums such as comprehensive or collision. So when it seems like you can get free auto insurance, insurance coverage companies aren’t that generous. Any qualifying discounts will reduce the cost of coverage.

A partial list of companies that may offer these discounts may include but are not limited to:

Check with each insurance company which discounts they offer. Discounts may not be available in your area.

The quickest way to get rate comparisons is to take advantage of the fact most larger insurance companies actually pay money for the chance to provide you with a free rate quote. The only thing you need to do is provide information including whether you have decent credit, if the vehicle is leased, marital status, and what you do for a living. Your rating data is then submitted to multiple different insurance companies and you should receive rate quotes quickly.

To check rates for your 2000 Suzuki Vitara, click here and complete the form.

These factors can influence what you pay for Suzuki Vitara insurance

Consumers need to have an understanding of the rating factors that play a part in calculating the rates you pay for insurance coverage. When you know what positively or negatively influences your rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

  • Equipment add-ons that lower insurance coverage rates – Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.
  • Claim-free discounts can add up – If you file claims often, you can expect either a policy non-renewal or much higher rates. Insurance companies generally give discounts to drivers who do not file claims often. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Do you know you’re credit rating? – A driver’s credit score is a important factor in determining what you pay for insurance coverage. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers with poor credit. If your credit rating is low, you could potentially save money when insuring your 2000 Suzuki Vitara by improving your credit score.
  • Cautious drivers pay less – Drivers who don’t get tickets receive lower rates than people who have multiple driving citations. Only having one speeding ticket can bump up the cost twenty percent or more. Drivers with severe tickets such as DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
  • Men pay higher rates – The statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. They both have accidents in similar percentages, but the males cause more damage. They also get more serious tickets such as reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and thus pay the highest rates.

Don’t assume everyone needs the same coverage

When it comes to choosing the right insurance coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions may help you determine whether you might need professional guidance.

  • Am I insured when driving a different vehicle?
  • Am I covered if I break a side mirror?
  • Does my insurance cover a custom paint job?
  • How can I get my company to pay me more for my totalled car?
  • What is an SR-22 filing?
  • Is my cargo covered for damage or theft?

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. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Educate yourself about insurance coverages

Having a good grasp of your policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are typical coverage types available from insurance companies.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Suzuki Vitara.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are similar to your liability insurance amounts.

Collision coverage – Collision insurance covers damage to your Vitara caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as rolling your car, sustaining damage from a pot hole and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Auto liability insurance – This can cover damage or injury you incur to other’s property or people that is your fault. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like medical services, repair costs for stationary objects and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive insurance – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like falling objects, theft, hitting a bird, fire damage and hitting a deer. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage provide coverage for short-term medical expenses like doctor visits, funeral costs, chiropractic care, prosthetic devices and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover you and your occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Final considerations

Lower-priced 2000 Suzuki Vitara insurance can be found both online and with local insurance agents, and you need to price shop both to have the best rate selection. Some insurance providers do not offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

When shopping online for insurance, don’t be tempted to skimp on coverage in order to save money. There are too many instances where someone sacrificed comprehensive coverage or liability limits only to discover later that the savings was not a smart move. Your aim should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

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