2008 Suzuki XL-7 Car Insurance Rates

Have you had enough of being strong-armed to insure your Suzuki every month? You are no different than many other drivers. Many insurers vie for your hard-earned dollar, and it can be difficult to compare rates and uncover the absolute lowest rate

If you have a policy now or need a new policy, you can use these tips to reduce the price you pay while maximizing coverage. Finding affordable coverage is not that difficult. Drivers just need to understand how to compare price quotes on the web.

Finding Car Insurance Deals

Comparing car insurance rates can take time and effort if you don’t utilize the easiest way. You can waste a few hours (or days) driving to local insurance agents in your area, or you could save time and use online quotes to quickly compare rates.

Most major companies enroll in a system where prospective buyers submit their information once, and each company can give them a price. This saves time by eliminating quote forms to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The one downside to getting quotes like this is you don’t know exactly which carriers to get pricing from. If you prefer to choose individual companies to request quotes from, we have a page of companies who write car insurance in your area. Click here to view list.

Which method you use is up to you, but make darn sure you compare the exact same coverage limits and deductibles for every quote you compare. If each company quotes mixed coverages it will be impossible to truly determine the lowest rate.

Don’t overlook these discounts

Car insurance companies don’t always list all their discounts in an easy-to-find place, so here is a list some of the best known and also the lesser-known discounts you could be receiving. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
  • Student in College – Youth drivers living away from home attending college without a vehicle on campus may be able to be covered for less.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Multiple Cars – Having all your vehicles on one policy may reduce the rate for each vehicle.
  • Organization Discounts – Participating in certain professional organizations could trigger savings when shopping for auto insurance on XL-7 insurance.
  • Defensive Driver – Successfully completing a driver safety course can save you 5% or more if your company offers it.

As a disclaimer on discounts, many deductions do not apply the the whole policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like you can get free auto insurance, companies don’t profit that way.

Insurance companies who might offer some of the above discounts include:

Check with all companies you are considering which discounts you may be entitled to. Some discounts may not be available in every state.

Is my situation unique?

When it comes to choosing adequate coverage for your vehicles, there really is no best way to insure your cars. Every situation is different so your insurance needs to address that. These are some specific questions could help you determine if your insurance needs may require specific advice.

  • Do I pay less if my vehicle is kept in my garage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Should I waive the damage coverage when renting a car?
  • What vehicles should carry emergency assistance coverage?
  • Why do I only qualify for high-risk insurance?
  • When should I buy a commercial auto policy?
  • Which is better, split liability limits or combined limits?
  • What is no-fault insurance?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance 101

Having a good grasp of your policy aids in choosing which coverages you need and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types available from insurance companies.

Collision coverage protection

Collision insurance covers damage to your XL-7 resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like hitting a parking meter, driving through your garage door and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as surgery, hospital visits, rehabilitation expenses and chiropractic care. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

UM/UIM Coverage

This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Suzuki XL-7.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Liability coverage

This coverage provides protection from damages or injuries you inflict on other people or property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as repair bills for other people’s vehicles, medical services and loss of income. How much coverage you buy is up to you, but consider buying higher limits if possible.

Comprehensive or Other Than Collision

This covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hail damage, a broken windshield, vandalism and rock chips in glass. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.