Save Money on Suzuki Grand Vitara Insurance in Jacksonville

  1. Home
  2. >
  3. Popular Vehicles
  4. >
  5. Suzuki Grand Vitara

Insurance rates Suzuki Grand Vitara in JacksonvilleThe easiest way to find more affordable Suzuki Grand Vitara insurance in Jacksonville is to regularly compare price quotes from different companies who provide car insurance in Florida. You can shop around by following these steps.

  1. Spend a few minutes and learn about coverages and the measures you can take to prevent rate increases. Many policy risk factors that cause rate increases such as traffic violations and a bad credit score can be controlled by making minor changes in your lifestyle. Later in this article we will cover ideas to get better rates and get additional discounts that may be available.
  2. Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from one company like GEICO or State Farm, while independent agencies can quote prices from multiple companies.
  3. Compare the price quotes to your existing policy to see if switching to a new carrier will save money. If you find better rates, make sure coverage is continuous and does not lapse.

The most important part of shopping around is that you'll want to compare similar limits and deductibles on each price quote and and to get price estimates from as many different companies as possible. This enables a fair price comparison and the most accurate and complete price analysis.

It goes without saying that auto insurance companies don't want policyholders to shop around. Consumers who shop around for a cheaper policy are highly likely to buy a new policy because there are good odds of finding a policy with more affordable rates. A recent survey revealed that consumers who compared rates regularly saved $70 a month as compared to drivers who never shopped around for cheaper prices.

If finding the cheapest price for auto insurance in Jacksonville is your ultimate goal, then having some knowledge of the best way to quote and compare cheaper coverage can save time, money, and frustration.

Finding the cheapest insurance coverage in Jacksonville is quite easy if you know the best way to do it. If you are insured now or are shopping for new coverage, use these techniques to reduce premiums and possibly find even better coverage. Smart buyers just have to learn the quickest method to buy insurance online.

Data for Suzuki Grand Vitara insurance

The data table displayed below covers detailed analysis of coverage costs for Suzuki Grand Vitara models. Learning how insurance policy rates are figured is important for making decisions on the best policy to buy.

Suzuki Grand Vitara Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $194 $334 $472 $28 $142 $1,170 $98
Grand Vitara Premium 2WD $194 $394 $472 $28 $142 $1,230 $103
Grand Vitara Premium 4WD $194 $394 $472 $28 $142 $1,230 $103
Grand Vitara Limited 2WD $194 $394 $472 $28 $142 $1,230 $103
Grand Vitara Special Edition 4WD $194 $394 $472 $28 $142 $1,230 $103
Grand Vitara XSport 2WD $194 $394 $472 $28 $142 $1,230 $103
Grand Vitara Limited 4WD $216 $394 $472 $28 $142 $1,252 $104
Grand Vitara XSport 4WD $216 $394 $472 $28 $142 $1,252 $104
Get Your Own Custom Quote Go

Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rate quotes do not factor in specific zip code location which can lower or raise price quotes considerably.

Rate comparison for different deductibles

One of the more difficult decisions when buying car insurance is how high should the deductibles for physical damage be. The rates below can help show the premium difference between high and low physical damage deductibles. The first rate comparisons uses a $100 comprehensive and collision deductible and the second price grid uses a $1,000 deductible.

Suzuki Grand Vitara insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $406 $648 $418 $24 $124 $1,645 $137
Grand Vitara Premium 2WD $406 $764 $418 $24 $124 $1,761 $147
Grand Vitara Premium 4WD $406 $764 $418 $24 $124 $1,761 $147
Grand Vitara Limited 2WD $406 $764 $418 $24 $124 $1,761 $147
Grand Vitara Special Edition 4WD $406 $764 $418 $24 $124 $1,761 $147
Grand Vitara XSport 2WD $406 $764 $418 $24 $124 $1,761 $147
Grand Vitara Limited 4WD $452 $764 $418 $24 $124 $1,807 $151
Grand Vitara XSport 4WD $452 $764 $418 $24 $124 $1,807 $151
Get Your Own Custom Quote Go
Suzuki Grand Vitara insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $224 $342 $418 $24 $124 $1,132 $94
Grand Vitara Premium 2WD $224 $402 $418 $24 $124 $1,192 $99
Grand Vitara Premium 4WD $224 $402 $418 $24 $124 $1,192 $99
Grand Vitara Limited 2WD $224 $402 $418 $24 $124 $1,192 $99
Grand Vitara Special Edition 4WD $224 $402 $418 $24 $124 $1,192 $99
Grand Vitara XSport 2WD $224 $402 $418 $24 $124 $1,192 $99
Grand Vitara Limited 4WD $250 $402 $418 $24 $124 $1,218 $102
Grand Vitara XSport 4WD $250 $402 $418 $24 $124 $1,218 $102
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Premium amounts do not factor in specific Jacksonville garaging location which can alter premiums considerably.

We can derive from the above data that using a $100 deductible costs approximately $48 more each month or $576 annually than selecting the higher $1,000 deductible. Because you would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you average more than 19 months between claim filings, you would probably save some money if you elect the higher deductible. Here's how you can make this decision for your own policy.

Average monthly premium for $100 deductibles: $147
Average monthly premium for $1,000 deductibles (subtract): - $99
Monthly savings from raising deductible: $48
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $48
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

Suzuki Grand Vitara insurance rates by gender

The information below illustrates the difference between Suzuki Grand Vitara auto insurance costs for male and female drivers. Data assumes a clean driving record, no claims, full physical damage coverage, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.

Full coverage or liability only

The information below illustrates the difference between Suzuki Grand Vitara annual premium costs when comparing full coverage to state minimum liability only. The premiums are based on no violations or claims, $1,000 deductibles, marital status is single, and no discounts are factored in.

When to drop comp and collision

There is no set rule of when to eliminate full coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is 10% or more of replacement cost minus your deductible, then it's probably a good time to buy liability coverage only.

For example, let's say your Suzuki Grand Vitara book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $5,000 after paying your deductible. If it's costing in excess of $500 a year for physical damage coverage, then you might want to consider buying only liability coverage.

There are a few cases where dropping physical damage coverage is not recommended. If you haven't paid off your loan, you have to carry full coverage to satisfy the loan requirements. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should not opt for liability only.

What Impacts Suzuki Grand Vitara Insurance Rates?

Many factors are part of the equation when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, but other criteria are less apparent such as your marital status or how financially stable you are.

The factors shown below are some of the major factors companies use to determine your premiums.

Being married brings a discount - Having a spouse helps lower the price on your policy. Marriage generally demonstrates drivers are more financially stable it has been statistically shown that being married results in fewer claims.

Prevent theft and reduce prices - Choosing a vehicle with a theft deterrent system can get you a discount on your car insurance. Advanced theft deterrents such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent vehicle theft.

Save money with excellent credit - Your credit score is a large factor in your rate calculation. If your credit history can use some improvement, you could potentially save money when insuring your Suzuki Grand Vitara by taking the time to improve your credit score. Drivers with high credit scores tend to be better risks to insure as compared to drivers with lower credit scores.

Urban residents pay more - Having an address in small towns and rural areas can save you money when shopping for auto insurance. Lower population means reduced accidents as well as less vandalism and auto theft. Drivers in populated Florida areas have more traffic problems and longer commute times. The longer drive time means more chances of being involved in an auto accident.

Lower rates for cars with good safety ratings - Safe vehicles cost less to insure. Safe vehicles help reduce the chance of injuries in an accident and reduced instances of injuries means lower claim amounts passed on to you as lower rates. If your Suzuki Grand Vitara scored better than an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.

Tough vocation may mean higher premiums - Occupations such as real estate brokers, architects, and financial analysts usually pay higher premium rates attributed to stressful work requirements and lots of time spent at work. Other jobs like farmers, engineers and the unemployed generally pay rates lower than average.

A car insurance lapse can increase premiums - Driving without insurance is against the law and you will pay a penalty because you let your insurance coverage expire. Not only will you pay more, the inability to provide proof of insurance may result in a revoked license or a big fine.

Multi-policy discounts can save money - Lots of companies apply lower prices to buyers that purchase more than one policy. It's known as a multi-policy discount. Even if you already get this discount, it's always a smart idea to check prices from other companies to help guarantee you have the best rates. It's possible to still save even more by insuring with multiple companies.

Smart shoppers get results

We've covered many ways to compare Suzuki Grand Vitara insurance car insurance rates in Jacksonville. The most important thing to understand is the more providers you compare, the higher your chance of finding low cost Jacksonville car insurance quotes. You may even be surprised to find that the lowest priced insurance comes from a company that doesn't do a lot of advertising.

Lower-priced Suzuki Grand Vitara insurance in Jacksonville is available from both online companies in addition to local insurance agencies, so you need to quote Jacksonville car insurance with both to have the best rate selection. Some insurance companies do not offer rate quotes online and these small, regional companies sell through independent agents.

Consumers switch companies for a number of reasons such as delays in paying claims, denial of a claim, delays in responding to claim requests and not issuing a premium refund. It doesn't matter what your reason, choosing a new insurance company can be easy and end up saving you some money.

For more information, take a look at the resources below: