How Much Does 2002 Suzuki Grand Vitara Insurance Cost?

Searching for lower auto insurance rates for your Suzuki Grand Vitara? Locating low-cost insurance for a Suzuki Grand Vitara could be an all-consuming task, but you can learn our auto insurance buying tips to find lower rates. There are more efficient ways to buy auto insurance so you’re going to learn the proper way to compare rates for your Suzuki and get the best price possible from both online companies and local agents.

Smart consumers take time to do rate comparisons before your policy renews because insurance rates change regularly. Just because you found the best deal for Grand Vitara coverage six months ago there may be better deals available now. Don’t believe everything you read about auto insurance on the web, but we’re going to give you some tested techniques to buy auto insurance cheaper.

If you are insured now or need new coverage, you can use these tips to find the best rates while maximizing coverage. Finding more affordable coverage is easy if you know what you’re doing. Consumers just need to know how to shop for auto insurance on the web.

Which Auto Insurance is Cheapest?

Getting better 2002 Suzuki Grand Vitara auto insurance pricing can be quick and easy. Consumers just need to take a couple of minutes comparing rates online with multiple companies. It is quite easy and can be accomplished using a couple different methods.

1. The single most time-saving way consumers can analyze rates is a comparison rater form like this one (opens in new window). This type of form prevents you from having to do repetitive form submissions to each individual auto insurance company. In just a few minutes this one form compares rates from all major companies. It’s the fastest way to compare.
2. A slightly less efficient method to analyze rates consists of visiting each company website and complete a new quote form. For example, we’ll pretend you want rates from Progressive, Liberty Mutual and Farmers. To get rate quotes you would need to go to every website to input your insurance information, which is why the first method is quicker.

   For a list of links to insurance companies in your area, click here.

3. The most time-consuming method of comparing rate quotes is driving around to local insurance agencies. The internet has reduced the need for local agents unless you have a need for the professional advice of a local agent. However, consumers can get prices online and still use a local agent and we’ll touch on that later.

Whichever method you choose, make darn sure you compare the exact same information for every company. If your comparisons have different limits and deductibles on each one it will be next to impossible to determine the best price for your Suzuki Grand Vitara.

Which policy gives me the best coverage?

When buying coverage for your vehicles, there is no cookie cutter policy. Everyone’s needs are different.

These are some specific questions can help discover whether your personal situation could use an agent’s help.

• Am I covered when using my vehicle for business?
• Exactly who is provided coverage by my policy?
• What is the difference between comprehensive and collision coverage?
• Can I rate high risk drivers on liability-only vehicles?
• When should I remove comp and collision on my 2002 Suzuki Grand Vitara?
• Am I covered if hit by an uninsured driver?
• How much liability insurance is required?

If you don’t know the answers to these questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form. It’s fast, free and may give you better protection.

Specific coverages for a Suzuki Grand Vitara

Having a good grasp of your auto insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision)

This pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from getting keyed, falling objects, a tree branch falling on your vehicle, hitting a deer and rock chips in glass. The highest amount your auto 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.

Collision insurance

Collision insurance will pay to fix damage to your Grand Vitara resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as colliding with another moving vehicle, scraping a guard rail, backing into a parked car, crashing into a ditch and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Liability insurance

This can cover damage that occurs to a person or their property that is your fault. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like pain and suffering, loss of income, attorney fees and emergency aid. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for bills for hospital visits, X-ray expenses, funeral costs and surgery. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.