2006 Suzuki Grand Vitara Insurance Quotes – 9 Ideas for Cheaper Rates

No one likes having to buy auto insurance, especially knowing the price is too high. There is such a variety of insurers to insure vehicles with, and though it is a good thing to have a selection, it can be more difficult to find the lowest rates.

How to Lower Your Car Insurance Cost

There are multiple methods to compare 2006 Suzuki Grand Vitara car insurance prices but some are easier and takes less work. You can waste a few hours (or days) talking to insurance companies in your area, or you can utilize the internet to maximize your effort.

Most of the best insurance companies enroll in a system where prospective buyers only type in their quote data once, and every company provides a quote for coverage. This prevents consumers from doing quotation requests for each company you want a rate for.

To access this free quoting program, click here (opens in new window).

The one disadvantage to comparing rates this way is that you can’t choose the insurers to receive prices from. If you prefer to choose specific providers to compare rates, we have assembled a list of low cost car insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make darn sure you compare the exact same coverage limits for each price quote. If you enter mixed coverages it’s not possible to determine the best price for your Suzuki Grand Vitara.

More discounts equal less premium

Car insurance companies don’t always list every available discount very well, so here is a list both the well known and the more hidden auto insurance savings. If you don’t get every credit available, you’re paying more than you need to.

  • Senior Citizens – If you qualify as a senior citizen, you may receive reduced rates on Grand Vitara insurance.
  • Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% on Grand Vitara insurance with certain companies.
  • Paperwork-free – Certain companies will give a small break just for signing your application digitally online.
  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Grand Vitara insurance than their less cautious counterparts.
  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Accident Waiver – A few companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims prior to the accident.
  • Good Student Discount – Performing well in school can get you a discount of up to 25%. The discount lasts up to age 25.
  • No Claims – Drivers with accident-free driving histories pay less as compared to drivers who are more careless.
  • Homeowners Savings – Being a homeowner can help you save on auto insurance because maintaining a house is proof that your finances are in order.

Drivers should understand that some credits don’t apply to your bottom line cost. Most only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, it just doesn’t work that way.

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

It’s not one size fits all

When it comes to buying coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that. For example, these questions could help you determine whether you may require specific advice.

  • Should I put collision coverage on all my vehicles?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered when driving someone else’s vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • Who is covered by my policy?
  • How can I get high-risk coverage after a DUI?
  • What can I do if my company denied a claim?
  • Should I buy only the required minimum liability coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is my ex-spouse still covered by my policy?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverages for a Suzuki Grand Vitara

Having a good grasp of a car insurance policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types available from car insurance companies.

Auto liability insurance

This coverage can cover damage that occurs to other people or property. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage pays for things like attorney fees, pain and suffering, medical expenses, structural damage and medical services. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for bills for nursing services, chiropractic care, hospital visits and dental work. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as damaging your car on a curb, colliding with a tree, rolling your car, backing into a parked car and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like vandalism, damage from a tornado or hurricane, theft, damage from flooding and hitting a bird. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Suzuki Grand Vitara.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Shop Smart and Save

The cheapest 2006 Suzuki Grand Vitara insurance can be found both online and also from your neighborhood agents, so compare prices from both to have the best selection. Some companies may not provide the ability to get a quote online and these regional insurance providers work with independent agents.

When buying insurance coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped liability coverage limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible at a price you can afford while still protecting your assets.

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