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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Consumers have a choice when looking for low-cost Suzuki Vitara insurance. You can either spend your time contacting agents to get rate comparisons or use the internet to get rate quotes.

There are both good and bad ways to buy car insurance so you’re going to learn the quickest way to compare rates for a Suzuki and find the lowest possible price either online or from local insurance agents.

The best way to compare insurance rates from multiple companies is to realize most larger insurance companies participate in a system to give you rate quotes. All you need to do is take a few minutes to give details including your job, if the vehicle is leased, an estimate of your credit level, and your education level. Those rating factors is then submitted to multiple top-rated companies and you should receive rate quotes instantly to find the best rate.

Car insurance discounts are available to cut your rates

Car insurance is not cheap, but you can get discounts that you may not even be aware of. Certain discounts will be triggered automatically when you complete an application, but some need to be manually applied before you will receive the discount.

  • Mature Driver Discount – Seniors could receive a small discount on rates on Vitara insurance.
  • ABS and Traction Control Discounts – Cars and trucks with ABS and/or traction control can avoid accidents so companies give up to a 10% discount.
  • Payment Method – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • Accident Forgiveness – This isn’t a discount exactly, but a few companies such as Allstate and State Farm will allow you to have one accident before they charge you more for coverage if you are claim-free prior to being involved in the accident.
  • Homeowners Pay Less – Owning a house can save a few bucks due to the fact that maintaining a home demonstrates responsibility.
  • Seat Belt Usage – Requiring all passengers to buckle up before driving can save a little on the medical payments or PIP coverage costs.
  • Save with More Vehicles Insured – Purchasing coverage when you have primary and secondary vehicles on the same car insurance policy can get a discount on all vehicles.
  • New Vehicle Savings – Putting insurance coverage on a new car can get you a discount because new vehicles keep occupants safer.
  • Good Student Discount – Performing well in school can save 20 to 25%. The good student discount can last up to age 25.

Policy discounts save money, but many deductions do not apply to all coverage premiums. Some only reduce individual premiums such as liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, that’s just not realistic.

To see insurance companies that offer the discounts shown above, click here.

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

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Informed consumers can save money

One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the things that come into play when calculating the price you pay for insurance coverage. When you understand what determines premiums, this allows you to make good choices that will entitle you to lower insurance coverage prices. Lots of things are used when quoting car insurance. Some are pretty understandable such as traffic violations, although others are more obscure like where you live or how financially stable you are.

  • Insurance is expensive for younger drivers – Teen drivers are statistically shown to be more careless when driving and because of this, their insurance coverage rates are much higher. Older people are more responsible, cause fewer claims and accidents .
  • Save mileage and save money – Driving a lot of miles annually the more it will cost to insure it. The majority of insurers calculate rates determined by how the vehicle is used. Cars and trucks used primarily for pleasure use receive lower rates than those that get driven frequently. Having the wrong rating on your Vitara can cost quite a bit. Verify your insurance coverage policy is showing the correct usage, because improper ratings can cost you money.
  • Liability is peace of mind – A critical coverage on your policy, liability insurance will provide protection if ever you are ruled to be at fault for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.
  • Raising deductibles lowers costs – Coverage for physical damage, also called comprehensive and collision insurance, is used to repair damage to your Suzuki. Examples of some claims that would be covered are running into the backend of another car, vandalism, and damage from a fallen tree branch. Deductibles for physical damage are how much you are required to spend out-of-pocket before your insurance coverage pays a claim. The larger the amount you have to pay, the less your insurance coverage will be on Vitara insurance.
  • Where you call home factors in – Having an address in less populated areas of the country is a good thing when it comes to insurance coverage. Fewer drivers means fewer accidents in addition to fewer liability claims. People in densly populated areas tend to have more aggressive driving styles and higher rates of accident claims. More time on the road means more chance of being in an accident.

Everyone needs different car insurance coverages

When choosing adequate coverage for your personal vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover whether you would benefit from an agent’s advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • Does coverage extend to my business vehicle?
  • Who is covered when they drive my 2004 Suzuki Vitara?
  • Is my cargo covered for damage or theft?
  • Is my nanny covered when driving my vehicle?
  • Will I be non-renewed for getting a DUI or other conviction?

If you don’t know the answers to these questions, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and you can get the answers you need.

Coverage specifics

Learning about specific coverages of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for medical payments

Med pay and PIP coverage pay for expenses for things like EMT expenses, X-ray expenses and pain medications. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hail damage, damage from flooding and damage from getting keyed. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your Suzuki Vitara.

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. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are identical to your policy’s liability coverage.

Coverage for collisions

Collision coverage covers damage to your Vitara from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as crashing into a ditch, colliding with a tree and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Liability coverage

Liability insurance protects you from damage or injury you incur to other people or property. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims like court costs, bail bonds and attorney fees. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

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

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Shop. Compare. Save.

Insureds change insurance companies for any number of reasons including questionable increases in premium, delays in responding to claim requests, poor customer service and even lack of trust in their agent. Whatever your reason, finding a new insurance coverage company can be less work than you think.

We covered a lot of tips how to compare 2004 Suzuki Vitara insurance car insurance rates online. The key concept to understand is the more quotes you get, the higher the chance of saving money. You may even discover the lowest car insurance rates come from the least-expected company.

Lower-priced 2004 Suzuki Vitara insurance is attainable on the web and from local insurance agents, so you need to quote insurance coverage with both in order to have the best price selection to choose from. A few companies do not provide online rate quotes and these regional insurance providers provide coverage only through independent agents.

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