Car Insurance Rates for a Suzuki Grand Vitara in Sacramento

Truthfully, the best way to find the cheapest price for Suzuki Grand Vitara insurance in Sacramento is to compare quotes annually from companies who sell insurance in California. Rate comparisons can be done by following these guidelines.

1. Read and learn about how companies price auto insurance and the measures you can take to prevent rate increases. Many policy risk factors that result in higher prices such as high-risk driving behaviors and a negative credit rating can be controlled by making minor changes in your lifestyle. Read the full article for more information to prevent high prices and earn larger discounts.
2. Request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like Progressive or Allstate, while independent agencies can provide price quotes from multiple insurance companies. Get quotes now
3. Compare the new quotes to the price on your current policy and see if you can save money. If you find a better price and make a switch, make sure there is no coverage gap between policies.
4. Tell your current agent or company of your intention to cancel your current car insurance policy. Submit payment and a signed application to your new carrier. As soon as you have the new policy, keep the new proof of insurance certificate along with your vehicle registration.

One tip to remember is that you’ll want to make sure you compare the same level of coverage on each price quote and and to get quotes from as many companies as you can. This ensures an accurate price comparison and many rates to choose from.

A recent insurance study revealed that nearly 70% of consumers have bought insurance from the same company for at least the last four years, and 38% of drivers have never shopped around. California consumers could save as much as 35% each year by just shopping around, but they just assume it’s a time-consuming process to go online and compare rates.

If you currently have auto insurance, you will surely be able to shop for the lowest rates using these tips. Buying the cheapest auto insurance in Sacramento is much easier if you know where to start. But California vehicle owners should learn how the larger insurance companies market insurance on the web and use it to find better rates.

When shopping for affordable Suzuki Grand Vitara insurance quotes, there are a couple of ways to compare rate quotes from all the different companies. The fastest way to comparison shop is to jump online and get quotes.

It’s so fast and easy to compare price quotes online that it takes the place of having to go to insurance agents’ offices. Shopping for auto insurance online can eliminate the need for a local agent unless you have a complicated situation and need the peace of mind that can only be provided by a licensed insurance agent. It is possible with some companies find lower rates online but have a local agent actually write the policy. When comparison shopping, making a lot of price comparisons increases the chance that you will find lower pricing.

The companies in the list below are ready to provide price comparisons in Sacramento, CA. If you wish to find the best cheap auto insurance in CA, we recommend you compare several of them in order to find the most affordable rates.

Insurance coverage analysis

The table shown next outlines a range of policy rates for Suzuki Grand Vitara models. Having a good understanding how insurance policy premiums are determined helps drivers make smart choices when selecting a coverage provider.

Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase auto insurance rates greatly.

Analysis of deductible levels

When comparing insurance rates, the most common question is how high should the deductibles for physical damage be. The rates below can help you understand the price difference of buying low and high physical damage coverage deductibles. The first set of rates uses a $250 deductible for comp and collision and the second price grid uses a $500 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Estimates do not factor in the specific area where the vehicle is garaged which can modify insurance rates noticeably.

Based on the data above, we can derive that using a $250 deductible costs approximately $19 more each month or $228 for a full year averaged for all Grand Vitara models than choosing the higher $500 deductible. Due to the fact that you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you usually have at least 13 months between claims, you would probably save some money if you choose a higher deductible.

The diagram below demonstrates how deductible levels and can impact Suzuki Grand Vitara insurance rates for different insured age categories. The price estimates are based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.

Violations and accidents raise rates

The diagram below illustrates how speeding tickets and at-fault claims can influence Suzuki Grand Vitara insurance rates for different ages of insureds. The premiums assume a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.

Male drivers versus female drivers

The chart below shows the difference between Suzuki Grand Vitara car insurance costs for male and female drivers. The prices are based on no claims or driving violations, full coverage, $250 deductibles, marital status is single, and no discounts are applied to the premium.

Does full coverage make sense?

The chart below visualizes the comparison of Suzuki Grand Vitara insurance premiums with full physical damage coverage and with liability coverage only. The price estimates are based on a clean driving record, no claims, $100 deductibles, single status, and no discounts are applied to the premium.

When to buy liability coverage only

There is no definitive guideline that is best for determining when to drop physical damage coverage, but there is a broad guideline. If the annual cost of having full coverage is about 10% or more of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let’s pretend your Suzuki Grand Vitara book value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $6,000 after paying your deductible. If you are currently paying more than $600 annually for physical damage coverage, then you might consider buying liability only.

There are a few situations where eliminating full coverage is not recommended. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.

Three good reasons to insure your vehicle

Despite the high cost, buying auto insurance is required for several reasons.

• Just about all states have minimum liability requirements which means state laws require a minimum amount of liability protection in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you bought your Suzuki with a loan, it’s guaranteed your bank will make it a condition of the loan that you buy insurance to ensure loan repayment if the vehicle is totaled. If you do not pay your insurance premiums, the lender may insure your Suzuki for a lot more money and make you pay for the expensive policy.
• Auto insurance protects both your Suzuki Grand Vitara and your personal assets. It will also provide coverage for most medical and hospital costs for you, your passengers, and anyone else injured in an accident. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If you have damage to your Suzuki as the result of the weather or an accident, your auto insurance policy will cover the damage repairs after a deductible is paid.

The benefits of buying enough insurance are without a doubt worth the cost, particularly when you have a large claim. Despite what companies tell you, the average driver is currently overpaying as much as $800 each year so compare quotes from several companies every year to ensure rates are inline.

What car insurance coverages do you need?

Learning about specific coverages of a car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on the average car insurance policy.

Auto liability insurance

Liability coverage protects you from damage that occurs to a person or their property. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 15/30/5 that translate to $15,000 bodily injury coverage, $30,000 for the entire accident, and a total limit of $5,000 for damage to vehicles and property.

Liability insurance covers claims like attorney fees, court costs, medical expenses, legal defense fees and loss of income. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible. California state minimum liability requirements are 15/30/5 but you should consider buying more coverage.

The illustration below demonstrates why the minimum limit may not provide adequate coverage.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like sustaining damage from a pot hole, hitting a parking meter, crashing into a building, driving through your garage door and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible on your Grand Vitara to get cheaper collision coverage.

Comprehensive car insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from getting keyed, theft, vandalism and hitting a bird. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for immediate expenses such as X-ray expenses, dental work and doctor visits. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Suzuki Grand Vitara.

Due to the fact that many California drivers have only the minimum liability required by law (California limits are 15/30/5), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.