Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Sep 29, 2017

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Searching for lower insurance rates for your Suzuki Vitara? Are you intimidated by the crazy number of insurance choices available to you? people have such a vast assortment of choices available that it can easily become a difficult mission to find the best rates.

Buying car insurance is not that difficult. Essentially every vehicle owner who carries insurance stands a good chance to be able to save money. But drivers need to learn how insurance companies market on the web and use this information to your advantage.

Suzuki Vitara insurance costs can be reduced

An important part of buying insurance is that you know the different types of things that play a part in calculating your insurance coverage rates. If you have a feel for what influences your rates, this helps enable you to make changes that can earn you lower premium levels. Multiple criteria are part of the calculation when you get your auto insurance bill. A few of the factors are predictable such as your driving history, but others are more obscure like your continuous coverage or how financially stable you are.

Shown below are some of the items used by your company to calculate rates.

  • Your vocation can affect insurance coverage rates – Careers such as doctorsair traffic controllers and medical professionals are shown to have higher premium rates attributed to intense work situations and long work days. On the flip side, jobs such as professors, engineers and performers get better rates on Vitara coverage.
  • If you don’t need it don’t buy it – Insurance policies have a lot of add-on coverages that may not really be needed if you aren’t careful. Things like vanishing deductibles, better glass coverage, and Farm Bureau memberships may not be needed and are just wasting money. They may seem good initially, but your money might be better spent on other coverage so remove them and pocket the money.
  • With age comes responsibility – More experienced drivers tend to be more responsible, cost insurance companies less in claims , and usually have better credit.Inexperience drivers are statistically proven to get distracted easily behind the wheel so they pay higher insurance coverage rates.
  • Rates can drop if you have more than one policy – Most larger insurance companies will award better rates to insureds who buy several policies from them. It’s known as a multi-policy discount. The discount can be five, ten or even twenty percent. Even though this discount sounds good, consumers should still compare other company rates to make sure you are getting the best deal.
  • Safer occupants lowers premiums – Cars with high safety ratings get lower rates. Vehicles built for safety reduce the chance of injuries and lower rates of occupant injuries means lower claim amounts and cheaper rates on your policy.
  • Deter car thieves – Driving a car with a theft deterrent system can help lower your rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping auto theft and help lower rates.
  • Increase comp and collision deductibles to save – The deductibles you choose state the amount of money the insured will be required to pay if a claim is determined to be covered. Protection for physical damage, also called comprehensive and collision insurance, insures against damage to your car. Examples of covered claims would be a windshield broken by a bird, vandalism, and having a roll-over accident. The higher the amount you have to pay, the less your company will charge you for insurance on Vitara coverage.

The method we recommend to compare car insurance company rates is to know the trick auto insurance companies participate in online systems to compare their rates. All you need to do is provide details including any included safety features, if you have a valid license, how much coverage you want, and how much education you have. Those rating factors is automatically sent to many of the top insurers and you receive quotes immediately.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Auto insurance buyers beware

Auto insurance providers like State Farm, GEICO and Progressive endlessly run ads on TV and radio. They all seem to tend to make the same promise about how much you will save if you switch to their company. How does each company say the same thing? It’s all in the words they use.

All the different companies have specific criteria for the right customer that is profitable for them. For example, a profitable customer may need to be between the ages of 40 and 55, owns a home, and chooses high deductibles. A propective insured who matches that profile will get a cheap rate quote and therefore will save a lot if they switch.

Consumers who do not match these stringent criteria must pay higher premiums which leads to the prospect going elsewhere. If you pay attention, the ads say “customers that switch” but not “all drivers who get quotes” can save as much as they claim. This is how insurance companies can make it sound like they have such great premium rates. Each company has different criteria, so you need to get price quotes at each policy renewal. Because without a comparison, you cannot know the company that will be your best fit.

Discount auto insurance rates

Auto insurance can be pricey, but discounts can save money and there are some available that you may not know about. Certain credits will be shown when you get a quote, but some discounts are required to be inquired about before you will receive the discount.

  • Good Grades Discount – Performing well in school can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Military Discounts – Having a family member in the military could qualify you for better premium rates.
  • Passenger Safety Discount – Factory options such as air bags and/or automatic seat belt systems may get savings as much as 30%.
  • Discount for Low Mileage – Keeping the miles down on your Suzuki could qualify for cheaper prices.
  • Bundled Policy Discount – When you have multiple policies and insure them both with the same insurance company you may earn at least 10% off all policies.
  • One Accident Forgiven – but a handful of insurance companies will allow you to have one accident before your rates go up if you have no claims before the accident.
  • Telematics Data Discounts – People who choose to allow companies to monitor driving manner through the use of a telematics system such as State Farm’s In-Drive could see a rate decrease if they exhibit good driving behavior.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less because newer vehicles are generally safer.
  • Full Payment Discount – By making one initial payment instead of paying each month you can avoid monthly service charges.
  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving can save up to 15% on medical payment and PIP coverage.

Keep in mind that most discounts do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, you’re out of luck. But any discount should help lower your premiums.

For a list of companies who offer auto insurance discounts, click here to view.

Tailor your car insurance coverage to you

When choosing coverage for your vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

These are some specific questions might help in determining whether your personal situation would benefit from professional advice.

  • What companies insure drivers after a DUI or DWI?
  • Do I need rental car coverage?
  • Should I buy only the required minimum liability coverage?
  • Are rock chip repairs covered?
  • Why do I only qualify for high-risk insurance?
  • How can I force my company to pay a claim?
  • Do I need roadside assistance coverage?
  • How can I get my company to pay me more for my totalled car?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Auto insurance policy coverages for a Suzuki Vitara

Learning about specific coverages of your policy can help you determine the best coverages for your vehicles. Auto insurance terms can be confusing and reading a policy is terribly boring.

Comprehensive insurance

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hail damage, falling objects, rock chips in glass and damage from a tornado or hurricane. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision protection

This pays for damage to your Vitara resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a ditch, damaging your car on a curb, scraping a guard rail, sideswiping another vehicle and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Suzuki Vitara.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for immediate expenses such as doctor visits, rehabilitation expenses and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Auto liability insurance

Liability coverage protects you from injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for things like bail bonds, attorney fees and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Find Good Coverage for Less

When getting insurance quotes online, don’t be tempted to buy less coverage just to save a little money. In too many instances, drivers have reduced comprehensive coverage or liability limits only to regret they didn’t have enough coverage. Your aim should be to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

Lower-priced auto insurance can be bought on the web and from local insurance agents, so you need to quote insurance with both in order to have the best price selection to choose from. Some insurance providers do not offer online price quotes and usually these smaller companies prefer to sell through independent insurance agents.

We covered a lot of tips how to lower your 2000 Suzuki Vitara insurance car insurance rates. The most important thing to understand is the more price quotes you have, the higher your chance of finding low cost insurance. Consumers may even find the lowest car insurance rates come from some of the lesser-known companies.

More tips and info about auto insurance can be found in these articles: