Cheapest Insurance for a Suzuki Grand Vitara in Boston

The preferred way to get budget Suzuki Grand Vitara insurance is to make a habit of comparing prices annually from insurers who provide auto insurance in Boston.

1. Take a few minutes and learn about individual coverages and the steps you can take to prevent expensive coverage. Many factors that are responsible for high rates such as getting speeding tickets and an imperfect credit rating can be rectified by paying attention to minor details.
2. Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like GEICO and State Farm, while agents who are independent can give you price quotes for a wide range of companies. Find a Boston insurance agent
3. Compare the price quotes to the price on your current policy to see if cheaper Grand Vitara coverage is available. If you find a lower rate and change companies, make sure coverage is continuous and does not lapse.
4. Provide adequate notice to your current company of your decision to cancel your current policy. Submit payment along with a signed and completed policy application to your new carrier. Immediately upon receiving it, place your new certificate verifying coverage in your vehicle.

An important bit of advice to remember is that you use similar limits and deductibles on every quote request and and to get price quotes from as many different companies as possible. Doing this enables an accurate price comparison and a thorough selection of prices.

It’s a known fact that insurance companies don’t want you quoting rates from other companies. Drivers who get price comparisons are very likely to switch companies because there is a good chance of finding a policy with better rates. A study discovered that consumers who routinely compared quotes saved on average $860 a year compared to people who didn’t regularly shop around.

If finding the lowest rates on auto insurance is the reason for your visit, then knowing how to get rate quotes and compare coverage rates can save time, money, and frustration.

If you are paying for car insurance now, you stand a good chance to be able to find better prices using the ideas presented in this article. The goal of this article is to tell you how car insurance companies work and some tricks to saving. Although Massachusetts consumers should learn how companies determine how much to charge.

You Can Change Your Insurance Premiums

Consumers need to have an understanding of the rating factors that aid in calculating the level of your policy premiums. If you understand what influences your rates, this helps enable you to make changes that could result in lower rates. Many factors are part of the calculation when you quote your car insurance policy. Some factors are common sense like an MVR report, but other criteria are not as apparent like your continuous coverage or your vehicle rating.

• Discounts for multiple policies – The majority of companies provide better rates to customers that buy multiple policies, otherwise known as a multi-policy discount. Even if you qualify for this discount already, it’s in your best interest to get quotes from other companies to help ensure you have the lowest rates.
• Cars with good safety ratings means cheaper insurance – Vehicles with high crash test scores tend to have lower insurance rates. Highly rated vehicles reduce injuries and reduced instances of injuries means lower claim amounts and cheaper rates on your policy.
• Liability – A critical coverage on your policy, liability insurance will protect you in the event that you are responsible for physical damage or personal injury to other. It will provide for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to comp and collision, so do not cut corners here.
• Save money by staying claim free – If you’re an insured who likes to file claims you should expect either policy cancellation or increased premiums. Auto insurance companies in Massachusetts provide better rates to people who are not frequent claim filers. Your car insurance is meant to be used in the event of the large, substantial claims.
• Deter theft and save – Choosing a vehicle with anti-theft technology or alarm system can earn a premium discount. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.

• Better drivers have lower premiums – Only having one citation could increase your next policy renewal to the point where it’s not affordable. Attentive drivers get better prices as compared to those with violations. Drivers who have received license-revoking violations such as DWI, reckless driving or hit and run convictions may find they need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to legally drive a vehicle.

  The diagram below illustrates how speeding tickets and accident claims can affect Suzuki Grand Vitara insurance costs for each age group. The premiums assume a single female driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

Coverage statistics and figures

The data table shown next covers a range of rate quotes for Suzuki Grand Vitara models. Understanding more about how rate quotes are calculated is important for you to make smart choices when buying a car insurance policy.

Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Premium costs do not factor in specific garaging location which can change premiums significantly.

An analysis of deductible level

A question often asked by Boston drivers is the level to set your comp and collision deductibles. The following insurance rates illustrate the price difference of buying low and high coverage deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Premium amounts do not factor in specific Boston garaging location which can raise or lower insurance rates considerably.

We can estimate from the data above that using a $250 deductible could cost the average driver approximately $15 more each month or $180 annually averaged for all Grand Vitara models than choosing the higher $500 deductible. Because you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to average at least 17 months between claims, you would most likely save money if you choose a higher deductible.

The information below illustrates how your deductible choice and can impact Suzuki Grand Vitara insurance prices for different age groups. The premiums are based on a married male driver, full coverage, and no other discounts are factored in.

Age, gender, and Suzuki Grand Vitara insurance

The chart below compares Suzuki Grand Vitara insurance costs for male and female drivers. Data assumes no claims or driving violations, comp and collision included, $250 deductibles, drivers are single, and no discounts are taken into consideration.

Full coverage rates compared to liability-only

The information below shows the difference between Suzuki Grand Vitara annual premium costs when comparing full coverage to state minimum liability only. The premiums are based on no claims or driving citations, $100 deductibles, single marital status, and no other discounts are factored in.

When to eliminate full coverage

There isn’t a steadfast formula of when to stop paying for comp and collision coverage, but there is a general guideline. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your Suzuki Grand Vitara book value is $3,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $2,000 after the deductible is paid. If you are paying more than $200 a year for physical damage coverage, then you might want to think about dropping full coverage.

There are some circumstances where dropping full coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.

Get cheaper Suzuki Grand Vitara insurance in Boston with discounts

Auto insurance is not cheap nor is it fun to buy but companies offer discounts that can dramatically reduce your bill. A few discounts will be applied when you purchase, but a few must be inquired about in order for you to get them.

• No Accidents – Drivers with accident-free driving histories pay much less as opposed to frequent claim filers.
• Student Discounts – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
• Paperwork-free – A few larger online companies will discount your bill up to fifty bucks just for signing your application over the internet.
• Anti-lock Brakes – Cars, trucks, and SUVs with ABS and/or traction control can avoid accidents so you can save 10 percent or more.
• Senior Citizen Rates – If you qualify as a senior citizen, you can get a small decrease in premiums.

Just know that some of the credits will not apply to the entire cost. A few only apply to the price of certain insurance coverages like medical payments or collision. Even though it appears adding up those discounts means a free policy, you won’t be that lucky.

The chart below compares Suzuki Grand Vitara yearly insurance costs with and without discounts. The rate quotes are based on a female driver, no claims, a clean driving record, Massachusetts state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, multi-car, homeowner, marriage, and safe-driver discounts applied.

Large auto insurance companies and a partial list of their discounts are shown below.

• GEICO discounts include defensive driver, anti-lock brakes, multi-policy, multi-vehicle, federal employee, good student, and air bags.
• MetLife includes discounts for good driver, good student, accident-free, multi-policy, defensive driver, claim-free
• Progressive offers discounts for continuous coverage, online signing, homeowner, multi-policy, multi-vehicle, and online quote discount.
• Travelers offers premium reductions for student away at school, IntelliDrive, save driver, good student, multi-policy, early quote, and hybrid/electric vehicle.
• SAFECO offers discounts including bundle discounts, anti-lock brakes, anti-theft, safe driver, accident prevention training, drive less, and homeowner.
• AAA has savings for multi-policy, good student, education and occupation, AAA membership discount, multi-car, and anti-theft.

It’s a good idea to ask each company how many discounts you can get. Some of the earlier mentioned discounts might not be offered on policies in Boston. If you would like to view providers that have a full spectrum of discounts in Massachusetts, click here.

Don’t give up on cheaper rates

As you restructure your insurance plan, don’t be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed uninsured motorist or liability limits only to regret at claim time that they should have had better coverage. The goal is to get the best coverage possible at the best price, but do not sacrifice coverage to save money.

We’ve covered a lot of techniques to get a better price on Suzuki Grand Vitara insurance in Boston. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the best prices are with a smaller regional carrier. They can often provide lower rates in certain areas compared to the large companies like State Farm or Progressive.

Additional detailed information is located in the articles below:

• Car Insurance: When not to Skimp (BankRate.com)
• What Car Insurance is Cheapest for Good Drivers in Boston? (FAQ)
• Who Has Cheap Auto Insurance Rates for Drivers with Bad Credit in Boston? (FAQ)
• Who Has Affordable Boston Car Insurance for Drivers with Good Credit? (FAQ)
• How Much are Auto Insurance Rates for a Subaru Impreza in Boston? (FAQ)
• How Much are Auto Insurance Quotes for a Hyundai Elantra in Boston? (FAQ)
• What Car Insurance is Cheapest for Veterans in Boston? (FAQ)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Alcohol Impaired Driving FAQ (iihs.org)
• Insurance Losses by Make and Model (iihs.org)
• Winter Driving (Insurance Information Institute)