2001 Suzuki XL-7 Car Insurance Rates – 7 Ways to Save

Want lower insurance coverage rates for your Suzuki XL-7? Did you fall for a flashy sales pitch and buy overpriced insurance coverage? Believe me, there are a lot of people just like you who feel imprisoned by their insurance coverage policy.

Since consumers have many companies and agents to choose from, it can be challenging to pick the most affordable company.

It’s a good habit to shop coverage around quite often due to the fact that insurance rates fluctuate regularly. Even if you got the lowest price for XL-7 coverage a few years ago you may be paying too much now. Starting right now, block out anything you think you know about insurance coverage because we’re going to show you the quickest way to properly buy coverages and cut your premium.

Finding the best insurance coverage is quite easy. Just about anyone who has to buy insurance will most likely be able to reduce their rates. Although car owners can benefit by having an understanding of the methods companies use to sell online and use this information to your advantage.

Get lower rates on Suzuki XL-7 insurance

Insurance can be prohibitively expensive, but there are discounts available to reduce the price significantly. Most are applied at the time of quoting, but a few need to be specially asked for prior to getting the savings.

  • No Claims – Drivers who don’t have accidents can earn big discounts when compared with frequent claim filers.
  • Multi-car Discount – Having more than one vehicle on one policy could earn a price break for each car.
  • New Car Discount – Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.
  • Early Signing – Some companies give discounts for buying a policy prior to your current policy expiration. This can save 10% or more.
  • Save over 55 – If you’re over the age of 55, you can possibly qualify for reduced rates for XL-7 coverage.
  • Drive Less and Save – Fewer annual miles on your Suzuki could qualify for a substantially lower rate.

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. Most cut specific coverage prices like comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, it doesn’t quite work that way. Any amount of discount will help reduce your premiums.

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

It’s a good idea to ask each insurance company which discounts they offer. Discounts may not apply in your state.

Don’t be fooled by advertising claims

Auto insurance providers like 21st Century, Allstate and State Farm consistently run ads in print and on television. They all say the same thing that you’ll save big if you change your policy. How does each company make almost identical claims? It’s all in the numbers.

Different companies have a preferred profile for the driver that is profitable for them. For example, a driver they prefer might be over the age of 40, is a homeowner, and has excellent credit. A driver who fits that profile will qualify for the lowest rates and most likely will save a lot of money.

Potential insureds who fall outside this ideal profile will have to pay a more expensive rate and ends up with the customer not buying. The ads say “customers who switch” not “everybody who quotes” save that much. That’s why companies can make the claims of big savings.

Because of the profiling, drivers must get quotes from several different companies. Because you never know which insurance companies will have the lowest Suzuki XL-7 insurance rates.

Tailor your coverage to you

When buying the best insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that may help highlight if you may require specific advice.

  • Do I need rental car coverage?
  • Do I need added coverage for expensive stereo equipment?
  • Is business property covered if stolen from my car?
  • When can my company non-renew my policy?
  • How much liability insurance is required?
  • If I drive on a suspended license am I covered?
  • Is my Suzuki XL-7 covered if I use it for business?
  • Is my teen driver covered when they drive my company car?
  • Should I put collision coverage on all my vehicles?
  • Do I need PIP (personal injury protection) coverage in my state?

If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

Insurance policy coverages for a 2001 Suzuki XL-7

Understanding the coverages of your policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are the normal coverages found on the average insurance policy.

Comprehensive coverage – This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a deer, damage from flooding, damage from a tornado or hurricane and damage from getting keyed. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage – Collision coverage pays for damage to your XL-7 resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like backing into a parked car, driving through your garage door and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Suzuki XL-7.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages are set the same as your liablity limits.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like chiropractic care, rehabilitation expenses, prosthetic devices and hospital visits. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Liability coverage – Liability insurance protects you from damage that occurs to other’s property or people. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like medical services, structural damage, medical expenses, funeral expenses and attorney fees. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

And the best car insurance company is…

When trying to cut insurance costs, never skimp on coverage in order to save money. In many cases, an insured cut physical damage coverage to discover at claim time that they should have had better coverage. Your strategy should be to get the best coverage possible at the best price, not the least amount of coverage.

We covered many ideas to lower your 2001 Suzuki XL-7 insurance rates. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the lowest premiums are with a lesser-known regional company. These companies may only write in your state and offer lower rates than the large multi-state companies such as State Farm or Progressive.

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