Compare 2009 Suzuki XL-7 Insurance Cost

Are you sick and tired of paying out the nose to insure your Suzuki every month? You are no different than most other car owners.

Because there are so many companies to choose from, it can be impossible to choose the lowest cost insurer.

It’s a good idea to compare prices quite often because prices are variable and change quite frequently. If you had the best deal on XL-7 coverage a couple years back a different company probably has better rates today. So ignore everything you know about insurance coverage because you’re going to get a crash course in the right way to save money, get proper coverage and the best rates.

Low Cost Insurance Coverage

There are several ways to compare Suzuki XL-7 insurance coverage quotes, and some are less time-consuming than others. You can waste a few hours (or days) driving to insurance agencies in your area, or you could save time and use the web to get the quickest rates.

Most major companies participate in an industry program that enables customers to enter their policy data once, and every company can give them a price based on that information. This prevents consumers from doing form submissions for each company you want a rate for.

To submit your quote information now, click here to open in new window.

The one downside to getting quotes like this is buyers cannot specifically choose which providers to get quotes from. If you prefer to choose from a list of companies to request quotes from, we have assembled a list of low cost insurance coverage companies in your area. Click here to view list.

However you get your quotes, compare the exact same coverage limits and deductibles on every quote. If you use higher or lower deductibles it’s not possible to make a fair comparison for your Suzuki XL-7. Having just a slight variation in coverage limits could mean much higher rates. And when comparison shopping, quoting more gives you a better chance of getting the best offered rates.

More discounts equal less premium

Auto insurance companies don’t always advertise every discount in a way that’s easy to find, so we break down some of the more common and the more hidden ways to save on insurance coverage.

  • Defensive Driver – Taking a defensive driving course could cut 5% off your bill if your company offers it.
  • Student in College – Children who live away from home and do not have access to a covered vehicle may be able to be covered for less.
  • Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Military Discounts – Being deployed with a military unit can result in better rates.
  • Homeowners Savings – Owning a home can help you save on insurance coverage because of the fact that having a home requires personal responsibility.
  • Drivers Education – Require your teen driver to complete a driver education course in school.
  • Memberships – Affiliation with certain professional organizations may earn a discount on your policy on XL-7 coverage.
  • Seat Belts Save more than Lives – Requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Most only cut the price of certain insurance coverages like comprehensive or collision. Just because it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.

To see a list of insurers offering insurance coverage discounts, click here to view.

It’s not one size fits all

When buying the best insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique so this has to be addressed. These are some specific questions may help you determine if your insurance needs may require specific advice.

  • Am I covered when pulling a rental trailer?
  • What can I do if my company won’t pay a claim?
  • Do I need higher collision deductibles?
  • Do I need special endorsements for business use of my vehicle?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Are split liability limits better than a combined single limit?
  • If my 2009 Suzuki XL-7 is totaled, can I afford another vehicle?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Suzuki XL-7 insurance premiums are calculated by many factors

An important part of buying insurance is that you know the rating factors that come into play when calculating the price you pay for car insurance. Knowing what influences your rates empowers consumers to make smart changes that will entitle you to better car insurance rates.

The list below includes some of the factors used by your company to calculate prices.

  • Special features that cut premiums – Purchasing a vehicle with an alarm system can save you a little every year. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.
  • Do you need those extra coverages? – There are many additional coverages that can waste your money when buying car insurance. Coverages for roadside assistance, accident forgiveness and additional equipment coverage are examples of these. These may sound like a good investment when you first buy your policy, but now you might not need them so eliminate them to save money.
  • An active claims history can cost you – Companies provide discounts to policyholders who do not file claims often. If you file claims often, you can definitely plan on higher rates. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
  • Pay less if you’re married – Being married can get you a discount when buying car insurance. Marriage usually means you are more mature than a single person and statistics show married couples file fewer claims.
  • Poor driving leads to higher costs – Only having one citation can bump up the cost forty percent or more. Drivers who don’t get tickets have lower premiums compared to drivers with tickets. Drivers with flagrant tickets like DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
  • Better credit scores mean better rates – Having a bad credit history is a huge factor in your rate calculation. So if your credit rating is not that good, you could be paying less to insure your 2009 Suzuki XL-7 by improving your rating. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers with lower credit scores.
  • Bundling policies can get discounts – The majority of insurance companies give discounts to insureds who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be 10 percent or more. Even with this discount, it’s still a good idea to compare rates to make sure you are getting the best deal. Consumers may find a better deal by splitting coverages up.
  • Women pay lower rates – Statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that women are better drivers. Men and women are in accidents at a similar rate, but the male of the species cause more damage. Men also tend to receive more costly citations like DUI and reckless driving. Male drivers age 16 to 19 are the most expensive to insure and therefore have the most expensive car insurance rates.

Beware of misleading auto insurance ads

Auto insurance companies such as Allstate, Geico and Progressive consistently run ads on TV and radio. They all seem to make the same claim that you’ll save big if you change to them. How can each company claim to save you money?

All companies have a preferred profile for the type of customer that earns them a profit. An example of a driver they prefer could possibly be over the age of 50, owns a home, and has great credit. A customer who fits that profile is entitled to the best price and most likely will cut their rates substantially.

Potential insureds who don’t qualify for these standards will be quoted higher prices which leads to the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “everybody who quotes” save that much money. That’s why insurance companies can make the claims of big savings. This emphasizes why you need to quote coverage with many companies. Because you never know which auto insurance company will provide you with the cheapest Suzuki XL-7 insurance rates.

Car insurance coverage options for a 2009 Suzuki XL-7

Having a good grasp of a car insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy. These are typical coverage types offered by car insurance companies.

Collision – Collision coverage will pay to fix damage to your XL-7 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with a tree, hitting a mailbox, sustaining damage from a pot hole, colliding with another moving vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Liability auto insurance – This coverage protects you from damage or injury you incur to people or other property by causing an accident. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims like legal defense fees, repair bills for other people’s vehicles, bail bonds and medical services. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Medical expense coverage – Coverage for medical payments and/or PIP pay for bills for things like funeral costs, hospital visits, prosthetic devices and pain medications. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

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

Comprehensive coverage protects against claims like theft, hitting a bird and damage from getting keyed. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured or underinsured coverage – This 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 to you and your family and also any damage incurred to your Suzuki XL-7.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Be a smart shopper

We just covered many ideas to get a better price on 2009 Suzuki XL-7 insurance. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may even discover the best price on insurance coverage is with the least-expected company. Regional companies may cover specific market segments cheaper compared to the large companies like Allstate, Geico and Progressive.

When trying to cut insurance costs, make sure you don’t buy less coverage just to save a little money. There have been many cases where an insured cut full coverage only to regret that the savings was not a smart move. Your focus should be to buy a smart amount of coverage at a price you can afford while still protecting your assets.

Cost effective insurance can be sourced from both online companies and also from your neighborhood agents, so you should compare both to get a complete price analysis. Some insurance coverage companies may not provide the ability to get a quote online and these small, regional companies work with independent agents.

More detailed insurance coverage information can be read at these sites: