Compare Suzuki Grand Vitara Insurance Rates in Newark

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Discount Suzuki Grand Vitara insuranceEveryone knows that car insurance companies want to keep your business as long as possible. Drivers who compare other prices are inclined to switch auto insurance companies because there are good odds of finding coverage at a more affordable price. A recent auto insurance study discovered that drivers who compared rates regularly saved an average of $865 annually compared to people who don't make a habit of comparing rates.

If finding the best price on insurance in Newark is your ultimate target, then having a good understanding how to find companies and compare insurance coverage can save time, money, and frustration.

The best way to save money on Suzuki Grand Vitara insurance in Newark is to regularly compare quotes from companies in New Jersey.

  1. Spend a few minutes and learn about policy coverages and the modifications you can make to lower rates. Many factors that cause high rates like at-fault accidents, speeding tickets, and a less-than-favorable credit history can be remedied by making minor driving habit or lifestyle changes.
  2. Compare rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or Farmers Insurance, while agents who are independent can give you price quotes from many different companies.
  3. Compare the new rate quotes to your current policy premium and determine if there is any savings. If you find a lower rate quote and switch companies, ensure coverage does not lapse between policies.

A good tip to remember is that you'll want to make sure you compare identical deductibles and limits on every quote and and to get prices from as many different insurance providers as possible. This enables an accurate price comparison and a complete price analysis.

This information will teach you a little about how car insurance quotes work. If you are paying for car insurance now, you stand a good chance to be able to reduce the price you pay using the ideas presented in this article. But New Jersey car owners can benefit from knowing the way companies market on the web because it varies considerably.

Car insurance statistics for a Suzuki Grand Vitara

The premium table shown next covers a range of insurance coverage prices for Suzuki Grand Vitara models. Knowing how premiums are formulated can help you make informed coverage decisions.

Suzuki Grand Vitara Insurance Rates in Newark, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $364 $634 $462 $28 $138 $1,626 $136
Grand Vitara Premium 2WD $364 $748 $462 $28 $138 $1,740 $145
Grand Vitara Premium 4WD $364 $748 $462 $28 $138 $1,740 $145
Grand Vitara Limited 2WD $364 $748 $462 $28 $138 $1,740 $145
Grand Vitara Special Edition 4WD $364 $748 $462 $28 $138 $1,740 $145
Grand Vitara XSport 2WD $364 $748 $462 $28 $138 $1,740 $145
Grand Vitara Limited 4WD $406 $748 $462 $28 $138 $1,782 $149
Grand Vitara XSport 4WD $406 $748 $462 $28 $138 $1,782 $149
Get Your Own Custom Quote Go

Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Premium costs do not factor in vehicle garaging location which can increase or decrease insurance rates noticeably.

Deductible comparison

When buying car insurance, a common question is which deductibles should you choose. The figures shown below summarize the differences in price when you select higher and lower insurance deductibles. The first rate estimation uses a $100 physical damage coverage deductible and the second set of prices uses a $500 deductible.

Suzuki Grand Vitara insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $466 $746 $480 $28 $144 $1,889 $157
Grand Vitara Premium 2WD $466 $880 $480 $28 $144 $2,023 $169
Grand Vitara Premium 4WD $466 $880 $480 $28 $144 $2,023 $169
Grand Vitara Limited 2WD $466 $880 $480 $28 $144 $2,023 $169
Grand Vitara Special Edition 4WD $466 $880 $480 $28 $144 $2,023 $169
Grand Vitara XSport 2WD $466 $880 $480 $28 $144 $2,023 $169
Grand Vitara Limited 4WD $520 $880 $480 $28 $144 $2,077 $173
Grand Vitara XSport 4WD $520 $880 $480 $28 $144 $2,077 $173
Get Your Own Custom Quote Go
Suzuki Grand Vitara insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $340 $504 $480 $28 $144 $1,496 $125
Grand Vitara Premium 2WD $340 $594 $480 $28 $144 $1,586 $132
Grand Vitara Premium 4WD $340 $594 $480 $28 $144 $1,586 $132
Grand Vitara Limited 2WD $340 $594 $480 $28 $144 $1,586 $132
Grand Vitara Special Edition 4WD $340 $594 $480 $28 $144 $1,586 $132
Grand Vitara XSport 2WD $340 $594 $480 $28 $144 $1,586 $132
Grand Vitara Limited 4WD $380 $594 $480 $28 $144 $1,626 $136
Grand Vitara XSport 4WD $380 $594 $480 $28 $144 $1,626 $136
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Premium amounts do not factor in specific garaging location which can influence rates substantially.

We can derive from the above data that using a $100 deductible could cost the average driver approximately $37 more each month or $444 for a full year than selecting the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 11 months between claims, you would probably come out ahead if you decide on a higher deductible.

The chart below demonstrates how deductibles and can influence Suzuki Grand Vitara insurance premiums for different age groups of insureds. The premium estimates are based on a married male driver, comp and collision included, and no discounts are taken into consideration.

Informed Consumers Can Cut Insurance Costs

One of the most helpful ways to save on auto insurance is to to have a grasp of a few of the rating criteria that play a part in calculating your auto insurance rates. If you understand what positively or negatively impacts your premiums, this helps enable you to make changes that can earn you lower premium levels. Lots of things are used in the calculation when pricing auto insurance. Some of the criteria are obvious like an MVR report, although some other factors are not as apparent such as whether you are married or how safe your car is.

The following are a few of the things used by companies to determine premiums.

  • Females tend to cost less - Statistics have proven women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. Females and males get in auto accidents in similar percentages, but men tend to have more serious accidents. Men also statistically receive more major tickets such as reckless driving.

    The diagram below illustrates the comparison of Suzuki Grand Vitara auto insurance rates for male and female drivers. Data assumes no accidents, no driving violations, comprehensive and collision coverage, $250 deductibles, single marital status, and no discounts are applied to the premium.

  • Having a spouse is a bonus - Having a spouse may cut your premiums when buying auto insurance. Having a significant other generally demonstrates drivers are more mature and responsible and insurance companies like that married couples file fewer claims.
  • Your liability protection limits - Liability coverage is the coverage that protects you when a jury decides you are liable for causing personal injury or damage in an accident. Your liability coverage provides legal defense which can be incredibly expensive. It is affordable coverage when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
  • Save by driving less - The more you drive each year the more you will pay for auto insurance. A lot of companies rate vehicles based on their usage. Autos not used for work or commuting can get a lower rate than those that get driven frequently. Verify your auto insurance policy shows the correct driver usage, because it can save money. Incorrect rating for your Grand Vitara may be wasting your money.
  • Lower coverage deductibles cost more - Physical damage coverage, otherwise known as comp (or other than collision) and collision, helps pay for damage to your vehicle. Examples of some claims that would be covered could be colliding with a building, damage from fire, and having your car stolen. Comp and collision deductibles represent how much money the insured will be required to pay in the event of a claim. The more of the claim you are required to pay out-of-pocket, the lower your rates will be.
  • Higher rates for tough employers - Did you know your job can affect your rates? Occupations such as doctors, social workers, and financial analysts tend to have the highest average rates attributed to intense work requirements and lengthy work days. On the flip side, jobs like scientists, historians and retirees pay the least.
  • Qualify for multi-policy discounts - Most major companies allow discounts to insureds that purchase more than one policy in the form of a multi-policy discount. Discounts can add up to ten percent or more. Even if you qualify for this discount already, you still need to compare other company rates to verify if the discount is saving money.
  • Only buy coverage you need - There are a ton of additional extra coverages that you can buy but may not be useful. Coverages for roadside assistance, death and dismemberment, and membership fees may not be needed and are just wasting money. These may sound like a good investment at first, but if they're wasting money eliminate them to save money.

Compare. Compare. Compare.

As you prepare to switch companies, it's not a good idea to skimp on critical coverages to save a buck or two. There are a lot of situations where someone sacrificed physical damage coverage and discovered at claim time that they should have had better coverage. Your goal is to buy the best coverage you can find at the best price but still have enough coverage for asset protection.

More affordable car insurance in Newark can be bought from both online companies in addition to many Newark insurance agents, and you should be comparing both to have the best selection. Some insurance companies may not have internet price quotes and most of the time these small, regional companies provide coverage only through local independent agencies.

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