Save Money on Suzuki Grand Vitara Insurance in Phoenix

Looking for the cheapest auto insurance rates in Phoenix, AZ? Phoenix drivers have options when trying to find the lowest priced Suzuki Grand Vitara insurance. You can either spend your time struggling with agents to get rate comparisons or leverage the internet to make rate comparisons.

There is a better way to compare auto insurance rates and you need to know the best way to price shop coverage for a new or used Suzuki and get the lowest possible price from Phoenix insurance agents and online providers.

It is always a good idea to get comparison quotes yearly because prices change regularly. Just because you found the best deal on Suzuki Grand Vitara insurance in Phoenix a few years ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about auto insurance because you’re about to find out the best methods to find the best coverage while lowering your premiums.

Finding a better price on insurance is not a difficult process. Just invest a little time comparing rate quotes to find out which insurance company has the cheapest Suzuki Grand Vitara rate quotes.

The companies in the list below can provide quotes in Arizona. If the list has multiple companies, it’s highly recommended you visit two to three different companies in order to find the cheapest rates.

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Premium costs do not factor in specific location information which can influence prices noticeably.

Does full coverage make sense?

The example below illustrates the comparison of Suzuki Grand Vitara insurance costs with full coverage compared to only the Arizona minimum liability coverage. The prices are based on no claims or violations, $500 deductibles, married male driver, and no discounts are taken into consideration.

When to drop comprehensive and collision coverage

There is no specific rule for phasing out full coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is more than about 10% of the settlement you would receive from your company, then it might be time to buy liability only.

For example, let’s assume your Suzuki Grand Vitara claim settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $2,000 after you pay the deductible. If you are paying over $200 a year for full coverage, then it’s probably a good time to buy liability coverage only.

There are some situations where removing full coverage is not recommended. If you haven’t satisfied your loan, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not remove full coverage.

Deductible comparison

The diagram below highlights how deductible selection and can raise or lower Suzuki Grand Vitara yearly insurance costs for different insured age categories. The rates are based on a married male driver, full physical damage coverage, and no discounts are applied.

Analysis of deductible levels

One of the more difficult decisions when buying auto insurance is where should you set your physical damage deductibles. The premium rates below may help you to understand how much more rates are between low and high physical damage deductibles. The first table uses a $100 comprehensive and collision deductible and the second price grid uses a $500 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Table data does not factor in vehicle location which can affect prices greatly.

Using the premium rates above, we can conclude that using a $100 deductible will cost you roughly $23 more each month or $276 annually than selecting the higher $500 deductible. Since the policyholder would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally average at least 17 months between claims, you would probably save some money if you decide on a higher deductible.

Take advantage of these discounts

Insurance can be pricey, but you might find some hidden discounts to help offset the cost. Larger premium reductions will be automatically applied at the time of quoting, but occasionally some discounts must be inquired about prior to getting the savings. If you’re not getting every credit available, you are paying more than you should be.

• Sign Online – Some of the larger companies will give you a small discount for signing up on the web.
• Auto/Life Discount – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
• Multiple Cars – Buying coverage for all your vehicles with the same company can get a discount for every vehicle.
• Full Payment Discount – If you pay your bill all at once as opposed to paying monthly you could save 5% or more.
• Telematics Devices – Drivers who elect to allow data collection to monitor driving habits by using a small device installed in their vehicle like Allstate’s Drivewise might see lower rates if they show good driving skills.

Remember that most of the big mark downs will not be given to all coverage premiums. A few only apply to individual premiums such as comp or med pay. If you do the math and it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

Companies that may offer quotes with these money-saving discounts are:

• GEICO
• Travelers
• Nationwide
• Farmers Insurance
• Esurance
• State Farm
• Progressive
• Mercury Insurance

When comparing rates, check with each insurance company which credits you are entitled to. Depending on the company, some discounts may not apply to policyholders in Phoenix. For a list of insurance companies who offer discounts in Phoenix, click here to view.

Get rate quotes but work with a local neighborhood Phoenix car insurance agent

Certain consumers still prefer to talk to an insurance agent and often times that is recommended Insurance agents are trained risk managers and will help you if you have claims. One of the great benefits of price shopping on the web is you can get the best rates and also buy local. And buying from local agents is important especially in Phoenix.

For easy comparison, once you complete this form (opens in new window), your insurance data is transmitted to agents in your area who will gladly provide quotes for your insurance coverage. You won’t need to leave your house due to the fact that quote results will go to the email address you provide. In the event you want to get a price quote from a particular provider, just visit that company’s website and fill out their quote form.

If you prefer to buy auto insurance from a local insurance agency, there are a couple of types of insurance agents to choose from. Auto insurance agencies are either exclusive agents or independent agents. Either one can sell affordable auto insurance policies, but it is a good idea to know how they differ because it can influence which agent you choose.

Independent Auto Insurance Agencies or Brokers

Agents of this type are normally appointed by many insurers and that allows them to write policies through many companies and find the cheapest rate. If they find a cheaper price, the business is moved internally and that require little work on your part. When shopping rates, you definitely need to include price quotes from a couple of independent agencies so that you can do a thorough price comparison. Most independent agents also contract with smaller mutual companies which may provide better rates.

The following is a small list of independent agencies in Phoenix that can give you competitive price quotes.

• Rodriguez Insurance
  5720 N 27th Ave – Phoenix, AZ 85017 – (602) 242-5303 – View Map
• Daniels Nicolson Insurance Agency, Inc
  4411 N 19th Ave – Phoenix, AZ 85015 – (800) 972-1893 – View Map
• Travelers Insurance
  22601 N 19th Ave #216 – Phoenix, AZ 85027 – (623) 572-0032 – View Map

View more agents

Exclusive Agents

These type of agents normally can only provide a single company’s rates such as Farmers Insurance or State Farm. They usually cannot give you multiple price quotes so they have no alternatives for high prices. Exclusive agents are well schooled on the products they sell and that can be a competitive advantage. A lot of people choose to use an exclusive agent mainly due to high brand loyalty and solid financial strength.

Shown below are Phoenix exclusive insurance agents that are able to give price quote information.

• Lynn Buss – State Farm Insurance Agent
  4022 E Broadway Rd #106 – Phoenix, AZ 85040 – (602) 454-8570 – View Map
• American Family Insurance – Luke Shafer
  1717 E Bell Rd #7 – Phoenix, AZ 85022 – (602) 788-5359 – View Map
• Mattie Taylor – State Farm Insurance Agent
  4225 W Bell Rd – Phoenix, AZ 85053 – (602) 938-4491 – View Map

View more agents

Finding the right insurance agent should depend on more than just a low price. Any agent in Phoenix should be forthright in answering these questions:

• How is replacement cost determined on your vehicle?
• Are they able to provide referrals?
• Will they make sure you get an adequate claim settlement?
• Do they offer accident forgiveness?
• Does the agency provide any after hours assistance?
• Do clients work directly with the agent or are most inquiries handled by a CSR?

Different people need different insurance coverages

When it comes to buying insurance from an agent or online, there really isn’t a one size fits all plan. Each situation is unique and your insurance should unique, too.
Here are some questions about coverages that might help in determining if you would benefit from professional advice.

• Does liability extend to a camper or trailer?
• Should I buy only the required Arizona minimum liability coverage?
• Is my dog or cat covered if injured in an accident?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• What does medical payments cover?
• What can I do if my company denied a claim?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area. It only takes a few minutes and can help protect your family.

Choices You Make Can Impact Your Insurance Premiums

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the things that help calculate your premiums. When you understand what positively or negatively impacts your premiums, this allows you to make good choices that will entitle you to big savings.

• Are you male or female? – Over the last 30 years, statistics show women are more cautious behind the wheel. However, don’t assume that females are better drivers. Both sexes tend to get into accidents in similar percentages, but men have costlier accidents. In addition to higher claims, males also get more serious tickets such as driving while intoxicated (DWI) or driving recklessly.
• Type of car determines base prices – The make and model of the car you are trying to find cheaper insurance for makes a huge difference in the rate you pay. The cheapest insurance rates are usually found on smaller low performance passenger models, but there are many factors that impact the final cost. Since the Suzuki Grand Vitara is considered a standard SUV, insuring your vehicle will cost slightly more compared to average rates in Phoenix.
• Teenage drivers pay more – Youthful drivers in Arizona have been known to be more careless with other occupants in the car therefore auto insurance rates are much higher. Older, more experienced drivers are more responsible, file fewer claims, and usually have better credit.
• Having a spouse reduces risk – Being married may earn you lower rates on your policy. It generally demonstrates drivers are more mature than a single person and insurance companies reward insureds because married couples file fewer claims.

Why do I need car insurance?

Despite the high cost, buying car insurance is required in Arizona but also provides important benefits.

First, just about all states have mandatory insurance requirements which means you are required to carry specific limits of liability if you don’t want to risk a ticket. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your vehicle has a lien holder, more than likely the lender will require that you have physical damage coverage to guarantee payment of the loan. If you default on your policy, the bank or lender will purchase a policy for your Suzuki at a more expensive rate and require you to pay for the expensive policy.

Third, insurance safeguards both your Suzuki and your assets. Insurance will pay for medical expenses for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense if you cause an accident and are sued. If you have damage to your Suzuki as the result of the weather or an accident, your car insurance policy will pay to restore your vehicle to like-new condition.

The benefits of buying car insurance outweigh the cost, especially with large liability claims. Despite what companies tell you, the average driver overpays as much as $850 per year so it’s important to compare rates at every policy renewal to make sure the price is not too high.

Car insurance savings summarized

When buying insurance coverage, it’s not a good idea to reduce coverage to reduce premium. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits only to regret that it was a big mistake. The goal is to buy enough coverage at an affordable rate, but do not skimp to save money.

We just presented a lot of ways to compare Suzuki Grand Vitara insurance auto insurance rates in Phoenix. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding low cost Phoenix car insurance quotes. Consumers could even find that the lowest priced car insurance comes from the smaller companies. Some small companies often have lower premium rates on specific markets than their larger competitors like State Farm or Progressive.

Lower-priced Suzuki Grand Vitara insurance in Phoenix can be sourced both online in addition to local insurance agencies, and you should be comparing both in order to have the best price selection to choose from. Some car insurance companies may not offer the ability to get a quote online and many times these small insurance companies provide coverage only through independent agents.

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

• Get the Right Protection (InsureUonline.org)
• How Much are Phoenix Car Insurance Quotes for Teachers? (FAQ)
• Who Has Cheap Car Insurance for a 20 Year Old Female in Phoenix? (FAQ)
• Who Has the Cheapest Phoenix Car Insurance Quotes for Active Military? (FAQ)
• Auto Insurance Basics (Insurance Information Institute)
• Collision Coverage (Liberty Mutual)
• Prom Night Tips for Teen Drivers (State Farm)