Proven Methods to Getting the Absolute Lowest Price on Suzuki Vitara Insurance Rates

Expensive auto insurance can overdraw your personal savings, especially in this economy. Doing a price comparison is free, only takes a few minutes, and is a good way to tighten up your finances.

Big companies like State Farm, Progressive and GEICO increase brand awareness with ads and consumers find it hard to sift through the bull and do the work needed to find the best deal.

Finding Auto Insurance Deals

There are a variety of methods to compare auto insurance quotes, but there is one way that is more efficient than others. You could spend your day talking about coverages with insurance companies in your area, or you can stay home and use online quotes to get prices fast.

Many companies belong to an insurance system that allows shoppers to enter their coverage request one time, and each company then returns a price quote for coverage. This eliminates the need for quote forms for each company you want a rate for.

To access this free quoting program, click to open in new window.

One minor caviat to using this type of system is buyers cannot specifically choose the insurers you will receive quotes from. If you would rather choose from a list of companies to compare rates, we have a page of auto insurance companies in your area. View list of insurance companies.

Whichever way you use, make darn sure you compare apples-to-apples information on every quote you get. If each company quotes unequal deductibles or liability limits you can’t possibly determine which rate is truly the best. Slightly different limits could mean much higher rates. And when comparison shopping, getting more free quotes will improve the odds of getting lower pricing.

Do you qualify for discounts?

Car insurance can cost a lot, but discounts can save money and there are some available that you may not even be aware of. Some trigger automatically at the time of quoting, but some must be asked for before you will receive the discount.

• Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% for Vitara insurance with select insurance companies.
• Paperless Signup – A few companies may give you up to $50 for buying a policy and signing up over the internet.
• Auto/Life Discount – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
• Service Members Pay Less – Having a family member in the military could mean lower rates.
• Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.

It’s important to note that some of the credits will not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like comp or med pay. Just because you may think you could get a free auto insurance policy, it just doesn’t work that way. Any amount of discount will help reduce your overall premium however.

Your local neighborhood insurance agent

Certain consumers would rather talk to a local agent and that is OK! One of the best bonuses of getting online price quotes is you can get lower rates but still work with a licensed agent. And supporting local businesses is important particularly in smaller rural communities.

To make it easy to find an agent, after completing this form (opens in new window), the coverage information is emailed to participating agents who will compete for your business. There is no need to leave your computer due to the fact that quote results will go to the email address you provide. How cool is that?! It’s the lowest rates AND a local agent.

Is a captive or independent car insurance agent right for you?

When searching for an insurance agent, there are two types of insurance agents from which to choose. Insurance agencies can either be independent (non-captive) or captive.

Independent Agencies or Brokers

Independent insurance agents are not employed by any specific company but instead can place your coverage with multiple insurance companies enabling the ability to shop coverage around. To transfer your coverage to a different company, the business is moved internally without you having to go to a different agency.

When shopping rates, we recommend you contact at a minimum one independent agency for the best price selection.

Captive Agents

Captive agents can only write with one company and some examples include American Family, State Farm and Allstate. They are unable to place coverage with different providers so they have no alternatives for high prices. They are well schooled on the products they sell and that can be a competitive advantage.

To view a complete directory of auto insurance agents, click here.

Deciding on an auto insurance agent needs to be determined by more than just a low price. Ask your prospective agent these questions:

• Does the agency provide any after hours assistance?
• What will you get paid if your car is a total loss? How is that amount determined?
• Do they review policy coverages at every renewal?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• Who are their largest clients?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• Can they provide you with a list of referrals?
• If your car is in the repair shop, do you have coverage for a rental car?

Upon getting answers to your satisfaction to all your questions and a low price estimate, it’s possible that you found an auto insurance agent that can properly service your auto insurance policy.

Is my situation unique?

When it comes to choosing coverage, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that may help you determine if your situation would benefit from professional advice.

• Is my Suzuki Vitara covered for flood damage?
• Is borrowed equipment or tools covered if stolen or damaged?
• Do I have coverage when using my vehicle for my home business?
• At what point should I drop full coverage?
• What are no-fault laws?
• Should I rate my Suzuki Vitara as pleasure use or commute?
• Do I need PIP (personal injury protection) coverage in my state?
• When should I not file a claim?
• Do I really need UM/UIM coverage?
• Is business property covered if stolen from my car?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Factors that might impact rates for a Suzuki Vitara

An important part of buying insurance is that you know the factors that help determine auto insurance rates. When you know what positively or negatively influences your rates enables informed choices that may reward you with much lower annual insurance costs.

The following are some of the factors auto insurance companies consider when setting rates.

• Your stress level may be raising your rates – Occupations such as real estate brokers, business owners and accountants tend to pay higher rates than average attributed to high stress levels and lots of time spent at work. On the flip side, occupations like farmers, athletes and the unemployed have the lowest average rates for Vitara insurance.
• Performance level impacts rates – The performance of the car you are buying insurance for makes a huge difference in determining your rates. Since the Suzuki Vitara falls in the compact SUV class, insurance will be the same to a little lower than the average rate where you live. Small economy passenger vehicles receive the most favorable rates, but the cost you end up paying is determined by many additional factors.
• Are you male or female? – Statistics have proven that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Women and men cause accidents at about the same rate, but the male of the species cause more damage. Men also tend to receive more costly citations like DUI and reckless driving. Young males are the most expensive to insure and are penalized with high auto insurance rates.
• Older drivers save more – Youthful drivers are known to be less responsible behind the wheel so auto insurance rates are higher. Adding a teenage driver to your policy can be very expensive. Older drivers tend to be more responsible, statistically cause fewer accidents and are safer drivers.
• Big city or small town – Being located in a rural area is a positive aspect when talking about auto insurance. City drivers regularly have more traffic problems and a longer drive to work. Lower population means a lower chance of having an accident and a lower car theft rate.

Quote often and quote early

In this article, we covered many ideas to save on Suzuki Vitara insurance. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest rates come from a small mutual company. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm or Progressive.

Budget-conscious Suzuki Vitara insurance can be purchased both online in addition to many insurance agents, and you should be comparing both in order to have the best chance of saving money. A few companies do not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.