How to Compare Tucson Suzuki Grand Vitara Insurance

I doubt anyone looks forward to paying for insurance, in particular when it costs too dang much.

A recent study showed that 70% of consumers renewed their policy with the same company for at least the last four years, and approximately 38% of consumers have never compared rate quotes at all. The average driver in Tucson could cut their rates by roughly 50% a year just by shopping around, but they just don’t understand how much they could save if they switched to a more affordable policy. Consumers have multiple auto insurance companies to insure vehicles with, and even though it’s nice to have a selection, it can be more difficult to compare rates and cut insurance costs.

You need to take a look at other company’s rates periodically since rates fluctuate regularly. Just because you found the best deal on Suzuki Grand Vitara insurance in Tucson six months ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because we’re going to demonstrate one of the quickest ways to reduce your cost while improving coverage.

Shop Suzuki Grand Vitara insurance online

The following companies can provide comparison quotes in Arizona. If you want the cheapest auto insurance in Tucson, we suggest you visit two to three different companies to get the best price comparison.

Analysis of coverages

The rate table displayed next highlights estimates of insurance costs for Suzuki Grand Vitara models. Having a good grasp of how insurance premiums are formulated can help drivers make informed coverage decisions.

Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rate quotes do not factor in specific zip code location which can change rates noticeably.

Should you raise deductibles?

When shopping for insurance, a common question is the level to set your comp and collision deductibles. The tables below lay out the costs and benefits when you select higher and lower physical damage coverage deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second rate table uses a $500 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Table data does not factor in the specific area where the vehicle is garaged which can alter auto insurance rates considerably.

We can derive from the above data that using a $100 deductible will cost in the ballpark of $23 more each month or $276 every year than choosing the higher $500 deductible. Since the policyholder would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you normally go more than 17 months between claim filings, you would more than likely save some money if you choose a higher deductible. Below is the way you can do this calculation yourself.

One important note is that increasing deductibles to lower your rates means you pay more out-of-pocket when you file a claim. You will want to have some savings in the bank in the event you have to pay the higher deductible.

Reckless driving habits raise insurance rates

The illustration below illustrates how violations and fender-benders drive up Suzuki Grand Vitara insurance costs for different age groups. Data assumes a married male driver, full coverage, $1,000 deductibles, and no discounts are applied.

Premiums by gender and age

The example below shows the comparison of Suzuki Grand Vitara car insurance costs for male and female drivers. The data is based on a clean driving record, no claims, full physical damage coverage, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.

Difference between liability only and full coverage rates

The example below illustrates the difference between Suzuki Grand Vitara annual premium costs with and without physical damage coverage. The price estimates are based on no violations or accidents, $1,000 deductibles, marital status is single, and no discounts are factored in.

Deciding between full coverage and liability only

There is no written rule for excluding full coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then it might be time to buy liability only.

For example, let’s pretend your Suzuki Grand Vitara replacement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $7,000 after the policy deductible has been paid. If it’s costing you more than $700 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are some circumstances where dropping full coverage is not a good idea. If you still have a loan on your vehicle, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not opt for liability only.

Insuring your Suzuki vehicle just makes sense

Despite the high cost of buying insurance for a Suzuki Grand Vitara in Tucson, insuring your vehicle is required by state law in Arizona and it also provides benefits you may not be aware of.

First, just about all states have mandatory insurance requirements which means the state requires a specific level of liability insurance coverage in order to drive the car legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a loan on your car, it’s most likely the lender will have a requirement that you buy insurance to guarantee their interest in the vehicle. If you default on your policy, the lender may insure your Suzuki at a significantly higher premium and require you to fork over the higher price.

Third, insurance preserves not only your Suzuki Grand Vitara but also your financial assets. Insurance will pay for most medical and hospital costs for both you and anyone you injure as the result of an accident. Liability insurance will also pay to defend you in the event you are sued. If damage is caused by hail or an accident, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.

The benefits of insuring your car more than cancel out the cost, particularly if you ever have a claim. Today the average American driver is overpaying more than $850 per year so you should quote rates at every renewal to ensure rates are competitive.

Six Things That Influence Your Insurance Premiums

Many different elements are part of the calculation when quoting car insurance. Most are fairly basic like your driving record, but other factors are more transparent such as your marital status or your financial responsibility. Consumers need to have an understanding of some of the elements that come into play when calculating the rates you pay for insurance. If you understand what controls the rates you pay, this helps enable you to make changes that can earn you big savings.

Shown below are some of the most common factors used by companies to determine your rate level.

• Cheaper prices for prior coverage – Allowing your coverage to lapse is a sure-fire way to increase your insurance rates. Not only will you pay higher rates, getting caught without coverage can result in a fine, jail time, or a revoked license. You may have to prove you have insurance by filing a SR-22 with the Arizona motor vehicle department to get your license reinstated.
• Vehicles with better crash test results means better prices – Safe vehicles get lower rates. The safest vehicles reduce the chance of injuries and reduced instances of injuries means less money paid by your insurance company and cheaper rates on your policy.
• Rates can change based on your address – Choosing to live in a small town has definite advantages when it comes to insurance. Fewer people translates into fewer accident claims and a lower car theft rate. Drivers who live in large Arizona cities have congested traffic and much longer commute distances. Spending more time driving translates into higher accident risk.
• Rates can be impacted by your job – Jobs like real estate brokers, executives, and dentists usually pay higher premiums than the average policyholder because of stressful work requirements and lots of time spent away from family. On the other hand, jobs such as actors, engineers and performers pay the least.
• High credit scores save money – A driver’s credit rating will be a significant factor in calculating your premium rate. So if your credit can be improved, you could pay less to insure your Suzuki Grand Vitara if you clean up your credit. People with excellent credit tend to be better drivers and file fewer claims than drivers with lower credit ratings.
• GPS tracking and theft deterrents reduce premiums – Owning a car with a theft deterrent system can help bring down rates. Advanced theft deterrents such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop auto theft.

Get the best coverage at the best price

You just learned many ideas to compare Suzuki Grand Vitara insurance prices in Tucson. The key concept to understand is the more quotes you get, the higher your chance of finding affordable Suzuki Grand Vitara insurance quotes. Consumers may even find the best prices are with a small local company. Regional companies often have lower rates on specific markets compared to the large companies like GEICO and State Farm.

When getting Tucson car insurance quotes online, it’s a bad idea to skimp on critical coverages to save a buck or two. There are a lot of situations where someone sacrificed physical damage coverage to discover at claim time they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find at the best possible price while not skimping on critical coverages.

How to quote cheaper Suzuki Grand Vitara insurance in Tucson

It takes a few minutes, but the best way to get affordable car insurance rates in Tucson is to regularly compare quotes from providers that sell auto insurance in Arizona. Rates can be compared by completing these steps.

1. Gain an understanding of how car insurance works and the measures you can control to prevent expensive coverage. Many factors that are responsible for high rates like careless driving and an imperfect credit history can be rectified by making small lifestyle or driving habit changes.
2. Request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from one company like GEICO and Allstate, while independent agencies can give you price quotes from many different companies.
3. Compare the price quotes to your existing coverage to see if a cheaper price is available. If you find a lower rate quote and switch companies, ensure there is no coverage lapse between policies.
4. Provide written notification to your current company to cancel the current policy and submit payment and a signed application for your new policy. As soon as you receive it, keep the new certificate verifying proof of insurance in your vehicle.

An important note is that you’ll want to compare the same deductibles and limits on each quote and to quote with as many companies as feasibly possible. Doing this guarantees an apples-to-apples comparison and the best rate selection.

Additional information

• Choosing a Car for Your Teen (State Farm)
• Who Has the Cheapest Tucson Car Insurance for Drivers Over Age 50? (FAQ)
• What Insurance is Cheapest for Drivers Over Age 70 in Tucson? (FAQ)
• Who Has Cheap Auto Insurance for Business Use in Tucson? (FAQ)
• Older Drivers FAQ (iihs.org)
• Uninsured Motorist Statistics (Insurance Information Institute)