Cheapest Suzuki Grand Vitara Insurance in San Antonio

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How many times have you put off comparing quotes for the cheapest Suzuki Grand Vitara insurance in San Antonio? Sick and tired of sacrificing to pay your car insurance bill each month? Your situation is no different than many other Texas consumers.

Insurance quote for Suzuki Grand Vitara in San AntonioSurprisingly, a recent survey revealed that over 70% of drivers have bought car insurance from the same company for well over three years, and almost half have never quoted car insurance rates at all. Many consumers in San Antonio can save approximately $1,770 each year by just shopping around, but they mistakenly think it's difficult to find cheap car insurance rates.

Many insurers vie for your hard-earned dollar, so it's not easy to compare every company to find the best rate on Suzuki Grand Vitara insurance in San Antonio.

Consumers should take time to price shop coverage occasionally since insurance prices are rarely the same from one policy term to another. Even if you got the lowest rates on Suzuki Grand Vitara insurance in San Antonio a year ago other companies may now be cheaper. There is a lot of bad information regarding Grand Vitara insurance on the web, but in just a couple of minutes you can learn some solid techniques on how to buy car insurance cheaper in San Antonio.

Just keep in mind that comparing a large number of companies increases the chance that you will find better pricing.

The auto insurance companies shown below offer price comparisons in Texas. If more than one company is shown, it's highly recommended you visit as many as you can to get the best price comparison.

Suzuki Grand Vitara insurance statistics and information

The premium information shown below highlights estimates of insurance policy prices for Suzuki Grand Vitara models. Having knowledge of how insurance prices are determined can aid in making informed purchases.

Suzuki Grand Vitara Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $318 $560 $496 $30 $148 $1,552 $129
Grand Vitara Premium 2WD $318 $660 $496 $30 $148 $1,652 $138
Grand Vitara Premium 4WD $318 $660 $496 $30 $148 $1,652 $138
Grand Vitara Limited 2WD $318 $660 $496 $30 $148 $1,652 $138
Grand Vitara Special Edition 4WD $318 $660 $496 $30 $148 $1,652 $138
Grand Vitara XSport 2WD $318 $660 $496 $30 $148 $1,652 $138
Grand Vitara Limited 4WD $356 $660 $496 $30 $148 $1,690 $141
Grand Vitara XSport 4WD $356 $660 $496 $30 $148 $1,690 $141
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Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Premium amounts do not factor in specific location which can decrease or increase premium rates significantly.

Choosing deductibles

When buying auto insurance, a common question is how high should the physical damage coverage deductibles be. The figures shown below can help you visualize the difference in cost between low and high insurance deductibles. The first rate comparisons uses a $250 comprehensive and collision deductible and the second set of rates uses a $500 deductible.

Suzuki Grand Vitara insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $332 $496 $382 $22 $114 $1,371 $114
Grand Vitara Premium 2WD $332 $584 $382 $22 $114 $1,459 $122
Grand Vitara Premium 4WD $332 $584 $382 $22 $114 $1,459 $122
Grand Vitara Limited 2WD $332 $584 $382 $22 $114 $1,459 $122
Grand Vitara Special Edition 4WD $332 $584 $382 $22 $114 $1,459 $122
Grand Vitara XSport 2WD $332 $584 $382 $22 $114 $1,459 $122
Grand Vitara Limited 4WD $370 $584 $382 $22 $114 $1,497 $125
Grand Vitara XSport 4WD $370 $584 $382 $22 $114 $1,497 $125
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Suzuki Grand Vitara insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $270 $400 $382 $22 $114 $1,188 $99
Grand Vitara Premium 2WD $270 $472 $382 $22 $114 $1,260 $105
Grand Vitara Premium 4WD $270 $472 $382 $22 $114 $1,260 $105
Grand Vitara Limited 2WD $270 $472 $382 $22 $114 $1,260 $105
Grand Vitara Special Edition 4WD $270 $472 $382 $22 $114 $1,260 $105
Grand Vitara XSport 2WD $270 $472 $382 $22 $114 $1,260 $105
Grand Vitara Limited 4WD $300 $472 $382 $22 $114 $1,290 $108
Grand Vitara XSport 4WD $300 $472 $382 $22 $114 $1,290 $108
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Table data does not factor in the specific area where the vehicle is garaged which can affect premiums greatly.

We can estimate from the data above that using a $250 deductible costs about $17 more each month or $204 every year than quoting the higher $500 deductible. Because you would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 15 months between claim filings, you would save more money going with the higher deductible.

Impact of careless driving on auto insurance rates

The chart below shows how speeding tickets and at-fault collisions can increase Suzuki Grand Vitara auto insurance rates for each different age category. The price estimates are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

Should you buy full coverage?

The example below visualizes the comparison of Suzuki Grand Vitara insurance costs with full physical damage coverage compared to only buying liability only. The rates are based on no claims or driving violations, $250 deductibles, single marital status, and no policy discounts are applied.

When to drop comprehensive and collision coverage

There is no exact formula that works best for making the decision to drop full coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is 10% or more of the vehicle's replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let's pretend your Suzuki Grand Vitara book value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $8,000 after the policy deductible has been paid. If premiums are more than $800 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are some situations where eliminating full coverage is not advised. If you haven't satisfied your loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can't afford to buy a different vehicle if your current one is totaled, you should maintain full coverage.

How Insurers Calculate Suzuki Grand Vitara Insurance Rates

Lots of things are used in the calculation when premium rates are determined. Some of the criteria are obvious such as traffic violations, although others are more obscure like where you live or how financially stable you are.

  • Gender and insurance coverage premiums - Over the last 30 years, statistics show that females take fewer risks when driving. However, don't assume that women are better drivers. Women and men have at-fault accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also tend to get more serious tickets such as driving while intoxicated (DWI) or driving recklessly.

    The chart below compares Suzuki Grand Vitara insurance costs for male and female drivers. The premiums assume no claims, a clean driving record, comp and collision included, $500 deductibles, single status, and no other discounts are factored in.

  • You might pay more if you are single - Walking down the aisle helps lower the price when shopping for insurance. Having a spouse usually means you are more responsible and it's proven that drivers who are married file infrequent claims.
  • Safer vehicles means lower rates - Safer cars are cheaper to insure. Safer cars reduce the chance of injuries and reduced instances of injuries means less money paid by your insurance company and more competitive rates for policyholders.
  • Combine and save - Most larger insurance companies will award discounts to policyholders that purchase more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, it's in your best interest to compare Suzuki Grand Vitara rates in San Antonio to confirm you are receiving the best rates possible.There is a good possibility that you can find better rates even if you insure with multiple companies
  • Don't abuse claims - If you're an insured who likes to file claims you can expect much higher rates or policy non-renewal. Companies in Texas give better rates to policyholders that do not abuse their auto insurance. Your car insurance is intended for larger claims.

Why you need insurance

Despite the potentially high cost of Suzuki Grand Vitara insurance, insuring your vehicle may be mandatory for several reasons.

First, most states have compulsory liability insurance requirements which means the state requires specific limits of liability protection in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a loan on your Suzuki Grand Vitara, it's guaranteed your bank will require that you have comprehensive coverage to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the lender will be forced to insure your Suzuki at a much higher rate and force you to pay for it.

Third, insurance safeguards both your Suzuki and your personal assets. Insurance will pay for most medical and hospital costs that are the result of an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if anyone sues you for causing an accident. If mother nature or an accident damages your car, collision and comprehensive coverages will pay to repair the damage.

The benefits of buying insurance are without a doubt worth the cost, particularly for liability claims. As of last year, the average driver in Texas overpays as much as $865 each year so it's very important to do a rate comparison at every renewal to help ensure money is not being wasted.