How Much Does 2003 Suzuki Vitara Insurance Cost?
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UPDATED: Oct 5, 2015
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Looking for cheaper insurance rates for your Suzuki Vitara? No normal person gets a kick out of paying for insurance, especially when they know they are paying too much.
Popular companies such as State Farm and GEICO continually hit you with ads and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.
It’s a good idea to shop coverage around periodically since prices change frequently. Even if you got the best price on Vitara coverage a couple years back other companies may now be cheaper. Block out anything you think you know about insurance because you’re about to learn how to quote online to get good coverage at a lower rate.
If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this strategy. Buying car insurance is easy if you know what you’re doing. Nevertheless, car owners must understand how the larger insurance companies sell insurance online and apply this information to your search.
Find Suzuki Vitara insurance at a discount
Many things are part of the calculation when you get a price on insurance. Most are fairly basic like your driving record, although others are not quite as obvious such as whether you are married or your commute time.
- Do you qualify for a multi-policy discount? – Lots of insurers apply better rates to customers who have multiple policies with them, otherwise known as a multi-policy discount. Discounts can amount to anywhere from five to ten percent in most cases. Even with this discount applied, drivers will still want to comparison shop to confirm you are receiving the best rates possible.
- Safer cars lower rates – Safer cars tend to be cheaper to insure. These vehicles reduce occupant injuries and better occupant protection translates into savings for insurance companies passed on to you as lower rates.
- Youthful drivers cost more – More experienced drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations.Youthful drivers are statistically proven to be easily distracted when driving therefore car insurance rates are much higher.
- Single drivers take more risk – Having a wife or husband helps lower the price on your policy. Having a significant other translates into being more stable financially it has been statistically shown that being married results in fewer claims.
- Where you call home factors in – Living in small towns and rural areas may provide you with better prices when it comes to car insurance. People in densly populated areas have to deal with more auto accidents and longer commutes to work. Less people means reduced accidents in addition to fewer liability claims.
- Driving citations will cost you – Your driving citation history can have a huge impact on auto insurance premiums. Attentive drivers get better rates compared to bad drivers. Only having one citation can increase rates forty percent or more. Drivers who have severe violations like DUI, reckless driving or excessive speeding may find that they have to to file a SR-22 with their state’s department of motor vehicles in order to drive a vehicle legally.
- Rental and towing coverage may not be needed – Insurance companies have many extra coverages that sound like a good idea at the time on your car insurance policy. Coverages like rental car coverage, high-cost glass coverage, and extra equipment coverage are some examples. They may seem good when buying your policy, but if you have no use for them remove them from your policy.
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Affordable insurance coverage quotes with discounts
Some insurers don’t always advertise all possible discounts very clearly, so the following is a list of a few of the more common as well as the least known credits available to lower your premiums when you buy auto insurance online. If you do not check that you are getting every discount you qualify for, you could be getting lower rates.
- Buy New and Save – Insuring a vehicle that is new can be considerably cheaper since newer models are generally safer.
- Renewal Discounts – A few companies give discounts for switching policies prior to the expiration date on your current policy. Ten percent is about the average savings.
- Full Payment Discount – If paying your policy premium upfront instead of making monthly payments you can avoid monthly service charges.
- Federal Employees – Having worked for a branch of the government can save as much as 8% on Vitara coverage with select insurance companies.
- Good Grades Discount – Excelling in school could provide a savings of up to 20% or more. Earning this discount can benefit you well after school through age 25.
- Telematics Data – Drivers who agree to allow companies to study their driving habits by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot may see discounts if their driving habits are good.
- ABS and Traction Control Discounts – Cars and trucks with ABS and/or traction control are much safer to drive and qualify for as much as a 10% discount.
- Defensive Driver Discount – Taking part in a course that instructs on driving safety can save you 5% or more if your company offers it.
- Own a Home – Being a homeowner can save you money due to the fact that maintaining a home requires personal responsibility.
Policy discounts save money, but most discounts do not apply the the whole policy. Most only cut the cost of specific coverages such as collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, nobody gets a free ride.
Larger insurance coverage companies and their offered discounts are shown below.
- Progressive includes discounts for multi-policy, good student, continuous coverage, homeowner, and multi-vehicle.
- MetLife offers discounts for good student, claim-free, multi-policy, good driver, accident-free, and defensive driver.
- Mercury Insurance offers discounts including professional/association, low natural disaster claims, age of vehicle, location of vehicle, anti-theft, and multi-policy.
- Nationwide has savings for multi-policy, easy pay, accident-free, family plan, Farm Bureau membership, good student, and business or organization.
- GEICO offers premium reductions for membership and employees, good student, five-year accident-free, anti-lock brakes, driver training, multi-policy, and multi-vehicle.
- AAA may have discounts that include education and occupation, pay-in-full, multi-policy, anti-theft, multi-car, good driver, and good student.
Before purchasing a policy, check with every insurance company which discounts they offer. Some discounts may not be offered in your area. To choose companies that offer some of these discounts, click here.
Buyer beware of auto insurance advertising tricks
Big name companies like GEICO, State Farm and Progressive seem to constantly run ads in print and on television. All the companies convey the message that people will save just by switching your policy. Is it even possible that every company can sell you cheaper insurance coverage?
All companies quote their best rates for the type of driver that makes them money. One example of this type of insured should be married and over the age of 30, has no tickets, and drives newer vehicles. Any new insured who matches those parameters receive the lowest rate quotes and therefore will save when they switch companies.
Potential insureds who do not match the ideal profile may receive higher premium rates and ends up with the customer buying from someone else. If you listen closely, the ads state “people that switch” but not “everyone who gets a quote” save that much when switching. That is how companies can truthfully advertise the way they do. Different companies use different criteria so you really need to compare rate quotes every year. Because you cannot predict with any certainty which company will have the lowest rates for your situation.
Tailor your insurance coverage to you
When choosing proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different so this has to be addressed. For example, these questions may help you determine whether or not you might need an agent’s assistance.
- When should I remove comp and collision on my 2003 Suzuki Vitara?
- Am I better off with higher deductibles on my 2003 Suzuki Vitara?
- Do I have coverage when making deliveries for my home business?
- Will my rates increase for filing one claim?
- Am I covered if I hit a deer?
- How much liability coverage do I need in my state?
- Should I sign the liability waiver when renting a car?
- Is motorclub coverage worth it?
- When would I need rental car insurance?
If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.
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Auto insurance coverage basics
Understanding the coverages of auto insurance can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverages found on the average auto insurance policy.
Uninsured/Underinsured Motorist coverage
This coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your 2003 Suzuki Vitara.
Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.
This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers things like a broken windshield, hail damage, a tree branch falling on your vehicle, damage from getting keyed and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Liability auto insurance
This will cover injuries or damage you cause to other’s property or people. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.
Liability can pay for things such as legal defense fees, medical expenses, court costs, emergency aid and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.
Medical payments coverage and PIP
Coverage for medical payments and/or PIP pay for expenses such as chiropractic care, nursing services and prosthetic devices. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Collision coverage protection
Collision insurance covers damage to your Vitara caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision insurance covers things like backing into a parked car, damaging your car on a curb, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.
There are still a few companies who may not have internet price quotes small, regional companies sell through local independent agents. Cost effective 2003 Suzuki Vitara insurance can be purchased online in addition to local insurance agencies, so compare prices from both to have the best selection.
As you go through the steps to switch your coverage, you should never reduce coverage to reduce premium. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The goal is to buy the best coverage you can find at the lowest possible cost, not the least amount of coverage.
Even more information can be found in the articles below:
- Senior Drivers (Insurance Information Insitute)
- What are my Rights when Filing a Claim? (Insurance Information Insitute)
- Distracted Driving Extends Beyond Texting (State Farm)
- Comprehensive Coverage (Liberty Mutual)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
- Coverage Information (Progressive Insurance)