Save on Suzuki Grand Vitara Insurance in San Diego

Would you like to buy lower-priced insurance rates in San Diego, CA? San Diego buyers have a choice when searching for the best price on Suzuki Grand Vitara insurance. You can either spend your time struggling with agents to compare prices or use the internet to find the lowest rates.

There is a better way to buy insurance so we’re going to tell you the best way to get price quotes for your Suzuki and find the lowest possible price from San Diego insurance agents and online providers.

You should make it a habit to take a look at other company’s rates every six months because insurance prices change quite often. Even if you think you had the best quotes on Suzuki Grand Vitara insurance in San Diego on your last policy there may be better deals available now. Ignore everything you know about insurance because I’m going to teach you one of the quickest ways to find better rates and still maintain coverage.

If you have coverage now or are looking for a new policy, you can follow these tips to get lower rates and still get good coverage. This information will let you in on the best methods to compare rates. Vehicle owners only need an understanding of the tricks to compare rates from many different companies online.

Low-cost car insurance in San Diego, CA

The providers in the list below are our best choices to provide comparison quotes in California. If more than one company is shown, we suggest you visit as many as you can in order to find the most competitive rates.

Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Rate information does not factor in specific San Diego garaging location which can alter auto insurance rates noticeably.

Cost difference between full coverage and liability

The information below examines Suzuki Grand Vitara insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rate quotes are based on no driving violations, no at-fault accidents, $1,000 deductibles, single female driver, and no other discounts are factored in.

When to drop full coverage

There isn’t a steadfast formula of when to drop physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is more than about 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let’s say your Suzuki Grand Vitara settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $8,000 after paying your deductible. If it’s costing in excess of $800 a year for your policy with full coverage, then you may want to consider only buying liability coverage.

There are some scenarios where only buying liability is not a good idea. If you have an outstanding loan on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not buy liability only.

How high should deductibles be?

When buying auto insurance, a common question is how high should the physical damage coverage deductibles be. The following tables show the difference in cost when you choose different physical damage coverage deductibles. The first rate comparisons uses a $100 deductible and the second price chart uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Rate information does not factor in vehicle location which can increase or decrease coverage rates significantly.

Based on these figures, using a $100 deductible would cost the average driver about $50 more each month or $600 each year than selecting the higher $1,000 deductible. Because you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 18 months between claims, you would come out ahead if you opt for a higher deductible.

San Diego insurance discounts for a Suzuki Grand Vitara

The cost of insuring your cars can be expensive, but there could be available discounts to cut the cost considerably. Some of these discounts will be visible at the time of purchase, but once in a while a discount must be inquired about before you get the savings.

• Anti-lock Brake Discount – Vehicles that have anti-lock braking systems prevent accidents and will save you 10% or more on Grand Vitara insurance in San Diego.
• Sign Early and Save – Some auto insurance companies provide a discount for buying a policy prior to your current Grand Vitara insurance policy expiration. You can save around 10% with this discount.
• E-sign Discounts – A few insurance companies will discount your bill up to fifty bucks for signing up on the internet.
• Responsible Driver Discounts – Insureds without accidents can save up to 40% or more on their San Diego auto insurance quote compared to accident prone drivers.
• Waiver for an Accident – Not a discount per se, but a few companies such as Liberty Mutual, Allstate and State Farm permit an accident before raising your premiums if you have no claims before the accident.
• Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft so companies will give you a small discount.
• Low Miles Discount – Keeping the miles down on your Suzuki could qualify for lower prices on the low mileage vehicles.
• Driver Training Discounts – Completing a class that teaches safe driver techniques may get you a small discount if you qualify.
• Savings for New Vehicles – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
• Safety Restraint Discount – Drivers who require all vehicle occupants to use a seat belt can save 10% or more on medical payment and PIP coverage.

A quick disclaimer, most discount credits are not given to the entire cost. Most only cut the cost of specific coverages such as liability and collision coverage. Just because it seems like all those discounts means the company will pay you, you aren’t that lucky.

Auto insurance companies who might offer these benefits may include but are not limited to:

• Progressive
• MetLife
• Mercury Insurance
• Nationwide
• GEICO
• AAA

If you are trying to find low cost San Diego auto insurance quotes, ask every prospective company to give you their best rates. Some of the earlier mentioned discounts may not apply to policies in San Diego.

How to Lower Your Insurance Prices

One of the most helpful ways to save on insurance is to to have a grasp of the different types of things that are used to determine your insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this enables you to make decisions that will entitle you to lower insurance prices.

The following are a few of the things insurance companies consider when setting your prices.

• Premiums impacted by your city – Being located in smaller towns and rural areas of the country has it’s advantages when insuring your vehicles. Less people living in that area translates into fewer accident claims as well as less vandalism and auto theft. City drivers regularly have congested traffic and longer commute times. Longer commute distances means higher likelihood of an accident.
• Avoid unnecessary add-on coverages – Policies have add-on coverages that you can get tricked into buying when buying insurance. Things like coverage for rental cars, towing, and membership fees are examples of these. These may sound like a good investment when you first buy your policy, but if you have no use for them consider taking them off your policy.
• High credit scores equal low rates – Credit history is a large factor in determining premium rates. Therefore, if your credit score could use some work, you could save money insuring your Suzuki Grand Vitara by taking the time to improve your credit score. Consumers who have high credit ratings tend to be more responsible as compared to drivers with lower credit ratings.
• Deductibles are a factor – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Examples of covered claims are a windshield shattered by a rock, collision with an animal, and damage caused by flying debris. Comp and collision deductibles tell how much you are required to pay before a claim is paid by your company. The more expense you are required to pay out-of-pocket, the lower your rates will be.
• Do men or women drive better? – Statistics demonstrate that females take fewer risks when driving. However, don’t assume that men are worse drivers. Females and males have auto accidents at about the same rate, but men cause more damage. Not only that, but men also receive more costly citations like reckless driving and DUI. Teenage male drivers generally have the highest accident percentage and therefore have the most expensive insurance rates.
• Careless driving leads to higher costs – Good drivers get better rates than people who have multiple driving citations. Even one ticket may cause rates to rise twenty percent or more. Drivers who have license-revoking tickets like DWI, reckless driving or hit and run convictions might be required by their state to complete a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
• Save by driving less – The more you drive your Suzuki in a year the more you will pay for insurance. Most insurance companies charge to insure your cars based on how the vehicle is used. Cars and trucks used primarily for pleasure use cost less to insure than vehicles that have high annual mileage. Ask your agent if your insurance policy correctly shows the correct driver usage, because it can save money. Having an incorrect usage rating on your Grand Vitara may be wasting your money.

Exclusive versus independent insurance agencies

Some consumers prefer to get advice from a local agent and that can be a smart move Professional insurance agents can help you build your policy and help in the event of a claim. One of the great benefits of comparing auto insurance online is that you can obtain better rates and still choose a local agent. Buying from and supporting small agencies is especially important in San Diego.

To help locate an agent, after submitting this short form, the coverage information is immediately sent to participating agents in San Diego who will give you bids for your business. There is no reason to drive around since price quotes are sent straight to your inbox. If for some reason you want to get a rate quote for a specific company, just jump over to their website to submit a rate quote request.

If you are searching for a reliable insurance agent, it’s important to understand the different types of agents to choose from. Auto insurance agents in San Diego may be either independent agents or exclusive agents. Either one can properly insure your vehicles, but it’s worth learning the difference in how they write coverage since it could factor into your agent selection.

Independent Agents

Agents in the independent channel are not locked into one company so they can quote policies with lots of companies enabling the ability to shop coverage around. If they find a cheaper price, your agent can just switch to a different company and you stay with the same agent. When comparing auto insurance rates, we highly recommend that you include price quotes from several independent insurance agents to maximize your price options. They often place coverage with less well-known companies who may have lower rates.

Below is a partial list of independent insurance agencies in San Diego that may be able to provide free price quotes.

• Barney and Barney Insurance Services LLC
  9171 Towne Centre Dr Suite 500 – San Diego, CA 92122 – (800) 321-4696 – View Map
• Nationwide Insurance: Richard Turner Insurance Agency
  3443 Camino del Rio S #221 – San Diego, CA 92108 – (619) 296-6222 – View Map
• Rubin Insurance
  6363 Greenwich Dr #120 – San Diego, CA 92122 – (858) 457-5720 – View Map

View more agents

Exclusive Auto Insurance Agencies

Agents in the exclusive channel can only provide pricing for a single company and some examples include State Farm, AAA, and Liberty Mutual. They are unable to place coverage with different providers so keep that in mind. Exclusive insurance agents are usually well trained on their products and sales techniques and that can be a competitive advantage. Some insured continue to use the same agent mostly because of the brand legacy rather than low rates.

Below is a short list of exclusive agencies in San Diego who can help you get rate quotes.

• Kristin Francy – State Farm Insurance Agent
  9888 Carmel Mountain Rd Ste A – San Diego, CA 92129 – (858) 484-4141 – View Map
• R J Blake – State Farm Insurance Agent
  1040 University Ave B201 – San Diego, CA 92103 – (619) 681-0060 – View Map
• Steve Lewis – State Farm Insurance Agent
  7424 Jackson Dr Ste 7 – San Diego, CA 92119 – (619) 466-3276 – View Map

View more agents

Deciding on an auto insurance agent shouldn’t rely on just a cheap quote. Here are some questions to ask:

• Do they get extra compensation for selling add-on coverages?
• How will an accident affect your rates?
• Will the agent or a CSR service your policy?
• How long has their agency been open in San Diego?
• Is every driver in your family covered?

Are you falling for claims of savings?

California drivers can’t get away from ads that claim the cheapest rates from the likes of State Farm, Allstate and GEICO. They all seem to make the point about saving some big amount just by switching your policy.

Is it even possible that every company can charge you a lower premium? It’s all in how they say it.

Most companies have underwriting criteria for the type of customer that will generate a profit. A good example of a profitable customer might be over the age of 45, has no driving citations, and has a short commute. Anyone who meets those qualifications will most likely get cheap auto insurance rates and is almost guaranteed to save some money.

Potential insureds who don’t qualify for these criteria will get a more expensive rate which usually ends up with the driver buying from a lower-cost company. If you listen to the ad wording, they say “drivers who switch” not “everybody who quotes” will save that much if they switch. This is how insurance companies can make the claims of big savings.

Because every company is different, you really should get a wide range of price quotes. It’s just not possible to know which company will fit your personal profile best.

Shop around and save

Cost effective Suzuki Grand Vitara insurance can be found on the web in addition to many San Diego insurance agents, so you need to quote San Diego auto insurance with both to have the best chance of lowering rates. Some companies do not provide online price quotes and usually these smaller companies only sell through independent insurance agents.

As you shop your coverage around, it’s very important that you do not skimp on coverage in order to save money. There have been many cases where an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that it was a big error on their part. Your aim should be to buy the best coverage you can find at the best cost, but do not skimp to save money.

We’ve covered a lot of tips how to lower your Suzuki Grand Vitara insurance prices in San Diego. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding inexpensive San Diego auto insurance quotes. Consumers could even find that the best prices are with some of the smallest insurance companies.

To learn more, feel free to visit the resources below:

• Child Safety FAQ (iihs.org)
• What Auto Insurance is Cheapest for Drivers Over Age 70 in San Diego? (FAQ)
• What Insurance is Cheapest for Drivers with Bad Credit in San Diego? (FAQ)
• Who Has Affordable San Diego Car Insurance Quotes for Retired Military? (FAQ)
• Protect Yourself Against Auto Theft (Insurance Information Institute)
• How Much Auto Coverage do I Need? (Insurance Information Institute)
• Event Data Recorders FAQ (iihs.org)
• Determing Auto Insurance Rates (GEICO)