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: Oct 5, 2015

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Looking for cheaper auto insurance rates for your Suzuki Vitara? I can’t think of a single person who looks forward to paying for auto insurance, especially when they know the prices are way too high.

Online insurance companies like State Farm and GEICO increase brand awareness with advertising and it is challenging if not impossible to ignore the flashy ads and do the work needed to find the best deal.

If you currently have car insurance, you should be able to save some money using these techniques. Finding the best rates is easy if you know what you’re doing. Nevertheless, car owners must learn how companies determine prices because it can help you find the best coverage.

How insurers determine Suzuki Vitara insurance costs

Smart consumers have a good feel for some of the factors that are used to determine the level of your policy premiums. When consumers understand what determines base rates, this empowers consumers to make smart changes that could help you find lower insurance coverage prices. Many different elements are considered when quoting car insurance. A few of the factors are predictable such as your driving history, but some are more obscure like your continuous coverage or how safe your car is.

  • Eliminate unneeded incidental coverages – Insurance policies have a lot of extra add-on coverages that can waste your money if you aren’t careful. Insurance for roadside assistance, accident forgiveness, and additional equipment coverage could be just wasting money. The coverages may be enticing when deciding what coverages you need, but your needs may have changed so remove them from your policy.
  • Driving citations drive up premiums – Having a single moving violation can bump up the cost twenty percent or more. Drivers with clean records tend to pay less for car insurance compared to drivers with tickets. Drivers with severe violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to keep their license.
  • Single vs. married – Having a spouse helps lower the price when buying insurance coverage. Having a significant other demonstrates that you tend to be more stable financially and it’s proven that drivers who are married are more cautious.
  • Vehicle features that lower premiums – Owning a car with a theft deterrent system can help lower your premiums. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent your car from being stolen.
  • Liability coverage claims can be big – Your policy’s liability coverage will afford coverage in the event that a jury decides you are liable for physical damage or personal injury to other. This coverage provides you with a defense in court to attempt to prove you were not liable. This coverage is very inexpensive when compared with rates for comp and collision, so do not skimp.
  • Where you reside plays a part – Being located in smaller towns and rural areas of the country is a positive aspect when insuring your vehicles. Lower population translates into fewer accident claims and lower theft and vandalism rates. Drivers in populated areas regularly have more road rage incidents and higher rates of accident claims. The longer drive time means more chance of being in an accident.
  • Gender and auto insurance premiums – Statistics have proven that women are safer drivers than men. This data doesn’t prove that females are better at driving than males. Men and women are responsible for accidents in similar percentages, but the males tend to have higher claims. Men also tend to receive more costly citations like DUI and reckless driving. Youthful male drivers cause the most accidents and are penalized with high insurance coverage rates.
  • Save by staying claim free – Auto insurance companies award the lowest premiums to policyholders that do not abuse their auto insurance. If you are a frequent claim filer, you can pretty much guarantee increased rates or even have your policy non-renewed. Insurance coverage is intended to be relied upon for claims that pose a financial burden.

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These discounts can lower your insurance coverage rates

Buying insurance coverage is not cheap, but there are discounts available that can dramatically reduce your bill. Certain reductions will be credited at the time you complete a quote, but a few must be specifically requested before being credited.

  • Anti-lock Brake System – Cars, trucks, and SUVs that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
  • Multi-car Discount – Buying coverage for multiple cars with the same insurance coverage company can get a discount for every vehicle.
  • Save with a New Car – Insuring a vehicle that is new can cost up to 25% less because newer models have to meet stringent safety requirements.
  • Accident Free – Insureds with no claims or accidents can earn big discounts compared to frequent claim filers.
  • Pay Early and Save – By making one initial payment as opposed to paying monthly you can avoid the installment charge.
  • Discount for Home Ownership – Just being a homeowner may trigger a policy discount on insurance coverage because of the fact that having a home is proof of financial responsibility.
  • Data Collection Discounts – Drivers who agree to allow data collection to track driving habits by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if they show good driving skills.
  • Safety Course Discount – Taking time to complete a course in safe driver could save 5% or more and easily pay for the cost of the class.

While discounts sound great, it’s important to understand that most discounts do not apply to the entire policy premium. Most cut the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, you aren’t that lucky.

Insurance companies that may offer most of these discounts possibly include:

Double check with all companies you are considering which credits you are entitled to. Some of the discounts discussed earlier might not be offered on policies in your area. If you would like to view insurers who offer cheap insurance coverage quotes, follow this link.

Different people need different insurance coverages

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique so this has to be addressed. These are some specific questions may help highlight whether you might need professional guidance.

  • Do I benefit by insuring my home with the same company?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How high should deductibles be on a 2002 Suzuki Vitara?
  • Should I get collision insurance on every vehicle?
  • Is there coverage for injuries to my pets?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • How do I file an SR-22 for a DUI in my state?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Specific coverages for a 2002 Suzuki Vitara

Having a good grasp of insurance can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. Listed below are typical coverages available from insurance companies.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from getting keyed, damage from a tornado or hurricane, falling objects, hail damage and hitting a deer. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like scraping a guard rail, sustaining damage from a pot hole and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many 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. Most of the time these limits are identical to your policy’s liability coverage.

Auto liability

Liability insurance provides protection from damage that occurs to other people or property that is your fault. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

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. You might see policy limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for claims like repair bills for other people’s vehicles, funeral expenses and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like ambulance fees, pain medications and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

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Compare but don’t skimp

As you go through the steps to switch your coverage, you should never buy less coverage just to save a little money. There have been many situations where someone dropped comprehensive coverage or liability limits only to discover later that it was a big error on their part. Your goal is to buy enough coverage at a price you can afford, but don’t skip important coverages to save money.

Affordable 2002 Suzuki Vitara insurance can be found from both online companies and from local insurance agents, so you need to quote insurance coverage with both so you have a total pricing picture. A few companies may not offer internet price quotes and most of the time these small, regional companies work with independent agencies.

For more information, feel free to browse the resources below: