Cheap Suzuki Grand Vitara Insurance in Columbus

It’s well known that auto insurance companies don’t want you to look for a cheaper policy. Insureds who compare rates at least once a year are highly likely to switch companies because there is a great chance of finding coverage at a more affordable price. A recent car insurance study discovered that people who compared rate quotes regularly saved $70 a month compared to people who never shopped around for better prices.

If finding budget-friendly rates on car insurance is your target objective, knowing how to get price quotes and compare car insurance can make it easier for you to save money.

Discount Suzuki Grand Vitara insuranceIf saving the most money is your goal, then the best way to get more affordable Suzuki Grand Vitara insurance is to regularly compare prices from insurance carriers that sell auto insurance in Columbus.

First, take a little time to learn about how car insurance works and the things you can change to drop your rates. Many things that result in higher rates such as tickets, at-fault accidents, and a negative credit history can be rectified by making minor changes to your lifestyle.

Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from a single company like Progressive and State Farm, while independent agents can give you price quotes from multiple companies. Start a quote

Third, compare the new rate quotes to your current policy to see if switching to a new carrier will save money. If you find a better price and make a switch, make sure coverage does not lapse between policies.

Fourth, provide adequate notice to your current company to cancel the current policy. Submit a completed application and payment to the new company. As soon as you receive it, place the new proof of insurance certificate in your vehicle’s glove compartment or console.

A valuable tip to remember is to make sure you enter the same coverage limits and deductibles on every quote and and to get price estimates from all possible companies. This enables a level playing field and plenty of rates choose from.

You Can Change Your Insurance Costs

Many different elements are part of the calculation when you quote your car insurance policy. Some are pretty understandable like a motor vehicle report, but others are less apparent such as your marital status or your commute time. It’s important that you understand the factors that come into play when calculating insurance rates. When you understand what determines base rates, this empowers consumers to make smart changes that can earn you better insurance rates.

Your address can influence costs – Being located in a rural area has definite advantages when shopping for auto insurance. Less people corresponds to lower accident rates. Drivers in populated Ohio areas tend to have congested traffic and more severe claims. Longer commute distances statistically corresponds to a higher accident and claim rate.

Traffic violations drive up premiums – A bad driving record influences premium rates substantially. Even one speeding ticket may cause rates to rise twenty percent or more. Careful drivers tend to pay less for car insurance as compared to careless drivers. Drivers who have gotten dangerous violations such as DUI or willful reckless driving are required to maintain a SR-22 with their state’s department of motor vehicles in order to prevent their license from being revoked.

The illustration below demonstrates how citations and at-fault accidents can drive up Suzuki Grand Vitara premium costs for each different age category. The costs are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.

Type of car determines base prices – The performance of the vehicle you are buying insurance for makes a substantial difference in how high your rates are. Smaller low performance passenger vehicles receive the most favorable rates, but many other things help determine your insurance rates.

The chart below assumes a single female driver age 50, full coverage with $100 deductibles, and no discounts or violations. It compares Suzuki Grand Vitara insurance rates compared to other models of vehicles that have a range of performance rating factors.

Are you male or female? – Over the last 50 years, statistics have shown women are more cautious behind the wheel. However, this does not mean females are better drivers. Females and males are responsible for at-fault accidents in similar percentages, but the male of the species have accidents that have higher claims. They also get higher numbers of serious violations such as reckless driving. Males from age 16 to 21 are the most expensive to insure and thus pay the highest rates.

The information below illustrates the difference between Suzuki Grand Vitara auto insurance rates for male and female drivers. The information is based on a clean driving record, no at-fault accidents, comp and collision included, $250 deductibles, drivers are single, and no other discounts are factored in.

Premiums may be lower depending on your occupation – Do you have a high-stress occupation? Occupational choices like doctors, police officers, and miners tend to pay higher premium rates in part from stressful work requirements and extremely grueling work hours. On the other hand, jobs such as scientists, students and homemakers pay the least.

Pleasure use saves money – The higher the miles on your Suzuki in a year’s time the more you will pay for insurance. A lot of insurance companies rate vehicles based on how the vehicle is used. Vehicles not used for work or commuting get more affordable rates than vehicles that are driven to work every day. Having an incorrect usage rating on your Grand Vitara can cost quite a bit. Double check that your insurance policy properly reflects the proper vehicle usage, because improper ratings can cost you money.

Analysis of coverages

The premium information shown next covers different prices for Suzuki Grand Vitara models. Understanding how insurance premiums are calculated can assist in making smart choices when selecting a coverage provider.

Suzuki Grand Vitara Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $170 $290 $256 $16 $76 $808 $67
Grand Vitara Premium 2WD $170 $342 $256 $16 $76 $860 $72
Grand Vitara Premium 4WD $170 $342 $256 $16 $76 $860 $72
Grand Vitara Limited 2WD $170 $342 $256 $16 $76 $860 $72
Grand Vitara Special Edition 4WD $170 $342 $256 $16 $76 $860 $72
Grand Vitara XSport 2WD $170 $342 $256 $16 $76 $860 $72
Grand Vitara Limited 4WD $190 $342 $256 $16 $76 $880 $73
Grand Vitara XSport 4WD $190 $342 $256 $16 $76 $880 $73
Get Your Own Custom Quote Go

Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Price information does not factor in specific Columbus garaging location which can revise premium rates substantially.

Higher deductibles lower rates

When comparing auto insurance rates, the most common question is how high or low should comp and collision deductibles be. The data tables below help summarize the differences in premium rates when you choose different physical damage deductibles. The first rate quote example uses a $250 deductible for comp and collision and the second rate chart uses a $1,000 deductible.

Suzuki Grand Vitara insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $198 $296 $226 $14 $68 $827 $69
Grand Vitara Premium 2WD $198 $348 $226 $14 $68 $879 $73
Grand Vitara Premium 4WD $198 $348 $226 $14 $68 $879 $73
Grand Vitara Limited 2WD $198 $348 $226 $14 $68 $879 $73
Grand Vitara Special Edition 4WD $198 $348 $226 $14 $68 $879 $73
Grand Vitara XSport 2WD $198 $348 $226 $14 $68 $879 $73
Grand Vitara Limited 4WD $220 $348 $226 $14 $68 $901 $75
Grand Vitara XSport 4WD $220 $348 $226 $14 $68 $901 $75
Get Your Own Custom Quote Go

Suzuki Grand Vitara insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $122 $186 $226 $14 $68 $616 $51
Grand Vitara Premium 2WD $122 $220 $226 $14 $68 $650 $54
Grand Vitara Premium 4WD $122 $220 $226 $14 $68 $650 $54
Grand Vitara Limited 2WD $122 $220 $226 $14 $68 $650 $54
Grand Vitara Special Edition 4WD $122 $220 $226 $14 $68 $650 $54
Grand Vitara XSport 2WD $122 $220 $226 $14 $68 $650 $54
Grand Vitara Limited 4WD $136 $220 $226 $14 $68 $664 $55
Grand Vitara XSport 4WD $136 $220 $226 $14 $68 $664 $55
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Price information does not factor in specific location which can impact insurance rates significantly.

Based on these figures, using a $250 deductible costs approximately $19 more each month or $228 each year than quoting the higher $1,000 deductible. Since you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go more than 39 months between claims, you would probably save some money if you choose a higher deductible.

Calculation for determining deductible levels

Average monthly premium for $250 deductibles: $73
Average monthly premium for $1,000 deductibles (subtract): – $54
Monthly savings from raising deductible: $19
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $19
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 39 months

The diagram below shows how different deductible levels and can affect Suzuki Grand Vitara yearly insurance costs for different categories of driver ages. The rate quotes are based on a married male driver, comp and collision included, and no discounts are applied to the premium.

Get cheap Suzuki Grand Vitara insurance in Columbus with discounts

Auto insurance companies don’t always publicize every discount very clearly, so we researched some of the more common and also the more inconspicuous credits that may apply to you.Save money with discounts

Remember that some credits don’t apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like you could get a free insurance policy, you won’t be that lucky.

The information below shows the comparison of Suzuki Grand Vitara car insurance costs with and without discounts applied to the policy premium. The data assumes a female driver, a clean driving record, no claims, Ohio state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, claim-free, safe-driver, homeowner, and multi-car discounts applied.

For a list of insurance companies who offer insurance discounts in Columbus, click this link.

Don’t give up on affordable coverage

We just showed you a lot of ways to compare Suzuki Grand Vitara insurance premium rates in Columbus. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may even discover the biggest savings come from a small local company. They may only write in your state and offer lower prices compared to the large companies like State Farm and Allstate.

As you quote Columbus auto insurance, never buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy the best coverage you can find at the best cost but still have enough coverage for asset protection.

Cost effective Suzuki Grand Vitara insurance is possible both online in addition to many Columbus insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies may not have online rate quotes and many times these smaller providers work with independent insurance agents.

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