Save Money on Suzuki Grand Vitara Insurance in Chandler

The preferred way to save on Suzuki Grand Vitara insurance in Chandler is to regularly compare quotes from companies in Arizona.

• Step 1: Try to learn about how insurance works and the factors you can control to prevent rate increases. Many policy risk factors that cause rate increases such as tickets, at-fault accidents, and a low credit rating can be remedied by making lifestyle changes or driving safer. Later in this article we will cover additional ideas to find cheap rates and find discounts that you may qualify for.
• Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from one company like GEICO and Allstate, while independent agents can provide prices from multiple insurance companies.
• Step 3: Compare the quotes to your existing rates and see if you can save money. If you find a lower rate and change companies, ensure there is no coverage lapse between policies.

One important bit of advice is to try to use the same deductibles and limits on every quote request and and to get prices from every insurance company. This provides an accurate price comparison and the best price quote selection.

It’s a fact that car insurance companies don’t want you to look at other companies. Insureds who shop around for a cheaper policy will probably buy a different policy because of the high probability of finding a policy with more affordable rates. A study showed that drivers who compared rates annually saved about $850 each year compared to drivers who never compared other company’s rates.

If saving money on insurance is the reason for your visit, learning how to shop for coverages can help make the process easier.

If you already have coverage, you will most likely be able to cut your premiums using the techniques covered below. Choosing the most cost-effective car insurance policy in Chandler is not that difficult. But Arizona car owners need to have an understanding of how companies price insurance differently because it can help you find the best coverage.

Many insurance companies allow consumers to get prices online. Doing online price comparisons for Suzuki Grand Vitara insurance in Chandler is pretty painless as you just enter your coverage preferences into the form. After you complete the form, the quote system pulls information on your driving record and credit history and returns a price quote. The ability to get online quotes for Suzuki Grand Vitara insurance in Chandler makes it simple to compare prices and it’s necessary to compare as many rates as possible if you want to get the best rate on car insurance.

To get comparison pricing now, compare rates from the companies below. If you have your current policy handy, we recommend you replicate coverages and limits as close as possible to your current policy. This way, you will receive comparison quotes for the exact same coverage.

The auto insurance companies shown below provide comparison quotes in Arizona. To find cheap auto insurance in Chandler, AZ, we suggest you visit several of them to find the most affordable auto insurance rates.

Protect your Grand Vitara and other assets

Even though Chandler Grand Vitara insurance rates can get expensive, maintaining insurance is required for several reasons.

• Most states have mandatory insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability protection if you want to drive legally. 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.
• If you bought your vehicle with a loan, more than likely the lender will have a requirement that you buy insurance to guarantee loan repayment. If you let the policy lapse, the lender will be forced to insure your Suzuki at a much higher premium rate and make you pay a much higher amount than you were paying before.
• Insurance safeguards your car and your assets. It also can pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If mother nature or an accident damages your car, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of buying enough insurance more than cancel out the cost, particularly for liability claims. In a recent study of 1,000 drivers, the average customer is overpaying over $825 a year so you should quote your policy with other companies at every policy renewal to ensure rates are inline.

Analysis of coverages

The premium information below covers a range of prices for Suzuki Grand Vitara models. Having knowledge of how insurance policy rates are determined can be useful when making smart choices when choosing a car insurance company.

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can decrease or increase coverage prices substantially.

Should you raise deductibles?

The hardest decision when buying coverage is at what level do you set your deductibles. The rates shown below sum up the costs and benefits of buying low and high comp and collision deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second price chart uses a $500 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Price estimates do not factor in specific location which can raise or lower premiums substantially.

Using the premium rates above, we can conclude that using a $100 deductible costs roughly $23 more each month or $276 a year averaged for all Grand Vitara models than requesting 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 tend to have more than 17 months between claim filings, you would more than likely save some money by selecting a higher deductible. The illustration below shows an example of how this determination is made.

One important caveat is that a higher deductible results in a higher out-of-pocket expense when you have a comprehensive or collision claim. You must have some savings in the event you have to pay the deductible for vehicle repair.

The chart below demonstrates how choosing different deductibles and can affect Suzuki Grand Vitara annual premium costs for different age groups. The rate quotes are based on a married female driver, full physical damage coverage, and no discounts are applied to the premium.

Full coverage versus liability-only in Chandler

The example below illustrates the comparison of Suzuki Grand Vitara annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on a clean driving record, no at-fault accidents, $500 deductibles, drivers are single, and no additional discounts are factored in.

When to drop full coverage

There is no definitive formula to exclude physical damage insurance, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let’s say your Suzuki Grand Vitara settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $6,000 after the policy deductible has been paid. If premiums are more than $600 a year for full coverage, then you may want to consider only buying liability coverage.

There are some circumstances where dropping full coverage is not financially feasible. If you haven’t paid off your loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.

Car insurance discounts are available to lower rates

Some providers don’t always advertise every possible discount very well, so here is a list a few of the more well known and the harder-to-find credits that you can use to lower your rates.

• Multiple Cars – Buying a policy with several vehicles on one policy qualifies for this discount.
• Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
• Government Employee Discount – Having worked for a branch of the government could provide a small rate reduction with some car insurance companies.
• Pay Early and Save – By paying your policy upfront instead of paying each month you could save 5% or more.
• Telematics Devices – Drivers that enable driving data collection to analyze where and when they drive by using a telematic data system such as State Farm’s In-Drive might get better premium rates as long as they are good drivers.
• Drivers Education – It’s a good idea to have your young drivers take driver’s ed class as it can save substantially.
• Senior Discount – Older drivers may qualify for reduced rates.
• Organization Discounts – Joining a professional or civic organization could trigger savings when shopping for car insurance.
• Chandler Homeowners Discount – Being a homeowner can earn you a little savings because of the fact that having a home demonstrates responsibility.

You should keep in mind that most discounts do not apply to the whole policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. So even though you would think you could get a free car insurance policy, nobody gets a free ride.

The information below shows the comparison of Suzuki Grand Vitara annual premium costs with and without discounts applied to the premium. The rate quotes are based on a female driver, no claims or driving violations, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-policy, homeowner, claim-free, and multi-car discounts applied.

A few of the larger companies and a summarized list of policyholder discounts include:

• State Farm offers discounts for anti-theft, defensive driving training, accident-free, passive restraint, multiple autos, driver’s education, and Steer Clear safe driver discount.
• GEICO policyholders can earn discounts including anti-lock brakes, military active duty, multi-policy, defensive driver, five-year accident-free, and driver training.
• SAFECO offers discounts including teen safety rewards, anti-theft, safe driver, teen safe driver, drive less, and homeowner.
• Farmers Insurance includes discounts for early shopping, distant student, youthful driver, homeowner, good student, and electronic funds transfer.
• AAA may offer discounts for multi-policy, education and occupation, AAA membership discount, anti-theft, and multi-car.
• USAA has discounts for annual mileage, driver training, new vehicle, safe driver, and multi-policy.

When comparing rates, check with each company how many discounts you can get. Savings may not apply to policyholders in your state. To choose insurance companies that can offer you the previously mentioned discounts in Arizona, click here.

Ratings for Arizona auto insurance companies

Choosing the top company is hard considering how many companies sell insurance in Chandler. The company ratings in the next section could help you select which companies to look at when comparing rate quotes.

Top 10 Chandler Car Insurance Companies Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. GEICO
5. Liberty Mutual
6. Progressive
7. Allstate
8. Titan Insurance
9. The Hartford
10. Mercury Insurance

Top 10 Chandler Car Insurance Companies Overall

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. The General
8. Titan Insurance
9. Progressive
10. Mercury Insurance