Auto Insurance Quotes for a Suzuki Grand Vitara in Irvine

I really doubt anyone gets a kick out of paying for car insurance, especially when they know the cost is way too high.

Unbelievably, most consumers in California kept their coverage with the same car insurance company for well over three years, and approximately 40% of consumers have never quoted car insurance rates at all. Many consumers in the United States could save an average of as much as $859 each year just by shopping around, but they just don’t understand how much money they would save if they switch to a new company.

How to buy discount Suzuki Grand Vitara insurance in Irvine

Truthfully, the best way to get affordable Suzuki Grand Vitara insurance in Irvine is to compare quotes once a year from insurers who provide auto insurance in California. Drivers can shop around by following these steps.

• First, gain an understanding of policy coverages and the measures you can take to keep rates in check. Many rating criteria that are responsible for high rates such as at-fault accidents, careless driving, and a not-so-good credit score can be amended by being financially responsible and driving safely. Read the full article for additional ideas to help prevent high rates and find hidden discounts.
• Second, compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from a single company like GEICO or State Farm, while independent agents can provide rate quotes for a wide range of companies.
• Third, compare the new rates to your existing coverage to see if switching to a new carrier will save money. If you find better rates and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
• Fourth, give proper notification to your current agent or company of your decision to cancel your existing policy. Submit the completed application along with a down payment for the new coverage. As soon as you receive it, store the certificate of insurance in an accessible location in your vehicle.

The most important part of shopping around is to compare the same level of coverage on every price quote and to quote with as many companies as possible. This guarantees a level playing field and the best rate selection.

There are many insurers to pick from, and though it is a good thing to have a selection, more options can take longer to get the best deal for Suzuki Grand Vitara insurance in Irvine.

The companies shown below can provide free rate quotes in Irvine, CA. If you want cheap car insurance in Irvine, we suggest you visit several of them to find the most competitive auto insurance rates.

You may qualify for discounts for Suzuki Grand Vitara insurance in Irvine

Not many people think insurance is cheap, but there could be significant discounts to help offset the cost. Some of these discounts will be visible at the time you complete a quote, but a few must be asked for before you get the savings.

• Student Discounts – A discount for being a good student can save 20 to 25%. Many companies even apply the discount to college students until age 25.
• Sign Online – A few insurance companies will give you a small discount for completing your application on your computer.
• Discounts for Multiple Vehicles – Insuring all your vehicles on a single policy qualifies for this discount.
• Lower Rates for Military – Having an actively deployed family member may qualify for rate reductions.
• Discount for Passive Restraints – Vehicles with factory air bags or automatic seat belts may get savings up to 30%.
• Driver Safety – Taking time to complete a driver safety course may get you a small discount if you qualify.
• Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.
• Senior Citizen Rates – If you qualify as a senior citizen, you can get a discount up to 10%.

Policy discounts save money, but some of the credits will not apply to the whole policy. Most cut the price of certain insurance coverages like comp or med pay. Despite the appearance that you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

The chart below illustrates the difference between Suzuki Grand Vitara insurance prices with and without discounts applied. The information is based on a female driver, no claims or driving citations, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, multi-policy, multi-car, and claim-free discounts applied.

Larger auto insurance companies and a summarized list of policyholder discounts are shown below.

• Progressive offers discounts including online signing, online quote discount, good student, continuous coverage, multi-vehicle, and multi-policy.
• MetLife may offer discounts for good student, accident-free, claim-free, multi-policy, good driver, and defensive driver.
• Mercury Insurance offers premium reductions for multi-policy, location of vehicle, good student, multi-car, ease of repair, and annual mileage.
• Nationwide may have discounts that include easy pay, business or organization, Farm Bureau membership, defensive driving, anti-theft, and good student.
• GEICO offers discounts for anti-lock brakes, multi-vehicle, military active duty, membership and employees, multi-policy, and anti-theft.
• AAA includes discounts for anti-theft, multi-policy, good student, education and occupation, multi-car, and pay-in-full.

When quoting, ask every insurance company to apply every possible discount. Some of the discounts discussed earlier may not apply to policyholders in Irvine.

Analysis of Suzuki Grand Vitara rates

The rate information displayed below outlines estimates of prices for Suzuki Grand Vitara models. Learning as much as possible about how auto insurance policy rates are calculated can aid in making decisions when choosing a new policy provider.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rate quotes do not factor in specific location information which can impact insurance rates substantially.

Deductible comparison

When shopping for auto insurance, a common question is which deductible level should you buy. The premium rates below may help to conceptualize the premium difference of buying low and high deductibles. The first table uses a $100 deductible for physical damage and the second rate table uses a $1,000 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Price information does not factor in specific garaging location which can alter coverage prices noticeably.

Using the data above, we can ascertain that using a $100 deductible costs about $50 more each month or $600 a year across all Suzuki Grand Vitara models than buying the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 18 months between claims, you would probably be better off if you choose a higher deductible. The table below shows the way you can make your own decision.

An important thing to remember is that a higher deductible level means you will have to pay more of your own money when you have a physical damage claim. You need to make sure you have enough extra money in order to pay the higher deductible.

The chart below shows how choosing a deductible and can influence Suzuki Grand Vitara insurance costs for different age groups. The premium estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Rate comparison of men versus women in Irvine

The example below illustrates the difference between Suzuki Grand Vitara insurance prices for male and female drivers. The premiums assume no claims, a clean driving record, full coverage, $250 deductibles, drivers are single, and no discounts are applied.

Comparison of full coverage and liability-only policies

The diagram below visualizes the comparison of Suzuki Grand Vitara auto insurance rates with and without full coverage. The price estimates are based on no claims or driving citations, $500 deductibles, marital status is single, and no discounts are applied.

When to eliminate full coverage

There is no written rule to drop comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is more than around 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.

For example, let’s assume your Suzuki Grand Vitara book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $5,000 after paying your deductible. If you are paying in excess of $500 annually for your policy with full coverage, then it might be time to consider dropping full coverage.

There are some scenarios where removing full coverage is not advised. If you still owe money on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

Choices You Make Can Impact Your Insurance Premiums

Multiple criteria are considered when you get your auto insurance bill. A few of the factors are predictable such as traffic violations, although some other factors are more transparent like your continuous coverage or how safe your car is. The best way to find cheaper insurance is to take a look at the factors that aid in calculating your insurance rates. When you know what positively or negatively determines base rates, this enables informed choices that will entitle you to lower premium levels.

Listed below are some of the most common factors used by your company to calculate rates.

• Liability protection is cheap – The liability coverage on your policy will afford coverage in the event that you are determined to be liable for physical damage or personal injury to other. Your policy’s liability insurance provides for a legal defense starting from day one. Liability insurance is quite affordable compared to physical damage coverage, so do not skimp.

• Lower rates come with age – Young drivers in California are proven to be inattentive and easily distracted when driving so insurance rates are higher. More experienced drivers are proven to be safer behind the wheel, tend to cause fewer accidents, and tend to be get fewer driving tickets.

  The next chart uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.

• Driving citations can be expensive – Having a clean driving record impacts your car insurance rates tremendously. Careful drivers get better rates than their less careful counterparts. Even one driving citation can bump up the cost by as much as thirty percent. Drivers with license-revoking tickets like DWI, reckless driving or hit and run convictions may find that they have to to maintain a SR-22 with the DMV in their state in order to continue driving.

  The information below illustrates how speeding tickets and fender-benders impact Suzuki Grand Vitara insurance prices for different age groups of insureds. The price estimates are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.

• Safety first – Safe vehicles cost less to insure. The safest vehicles have better occupant injury protection and better occupant protection means your insurance company pays less which can result in lower premiums.
• Alarms and GPS tracking lower rates – Owning a car with an alarm system can help bring down rates. Systems that thwart thieves such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart car theft and help bring rates down.

• The type of car makes a difference – The type of car, truck or SUV you are insuring makes a significant difference in your auto insurance rates. The lowest base rates are usually for smaller low performance passenger models, but there are many factors that impact the final cost.

  The data below assumes a single male driver age 30, full coverage with $500 deductibles, and no discounts or violations. The data compares Suzuki Grand Vitara policy rates compared to other models of vehicles that have a range of performance risks.

What if I want to buy from local Irvine insurance agencies?

Some people prefer to go talk to an agent and doing so can bring peace of mind Agents are highly skilled in risk management and help submit paperwork. One of the benefits of getting online price quotes is you may find cheap insurance rates and also buy local. And supporting small agencies is especially important in Irvine.

To make it easy to find an agent, after completing this quick form, your information is sent to companies in Irvine that can provide free Irvine car insurance quotes for your insurance coverage. You don’t have to leave your computer since price quotes are sent immediately to your email address. In the event you want to get a rate quote for a specific company, you can always go to their quote page and fill out their quote form.

If you’re trying to find a good Irvine insurance agent, it’s helpful to know the different types of agents to choose from. Insurance agencies can be described as either exclusive or independent agents depending on their company appointments. Either can write policy coverage, but it’s important to know the subtle differences since it can impact the selection process.

Independent Insurance Agencies

Independent agents are not restricted to one company so they can insure your vehicles with multiple insurance companies and find you the best rates. To transfer your coverage to a different company, the agent simply finds a different carrier and you don’t have to do anything.

When shopping rates, it’s recommended you get quotes from a few independent agents to get the most accurate price comparison.

Listed below is a small list of independent agents in Irvine that can give you comparison quotes.

View more Irvine agents

Exclusive Insurance Agencies

Agents that elect to be exclusive can only provide one company’s prices like Farmers Insurance, State Farm, or Allstate. They generally cannot place coverage with different providers so you need to shop around if the rates are high. Exclusive agents receive a lot of sales training on their company’s products and that allows them to sell at a higher price point.

The following is a list of exclusive agencies in Irvine that are able to give rate quotes.

View more Irvine agents

Choosing an car insurance agent is decision based upon more than just the price. Agents should be asked these questions:

• How are they compensated?
• What is the agency’s Better Business Bureau rating?
• Do clients work directly with the agent or are most inquiries handled by a CSR?
• Can they provide you with a list of referrals?
• Does the company allow you to choose your own collision repair facility?
• If they are an independent agency in Irvine, which companies do they recommend?

Final considerations

Cheap Suzuki Grand Vitara insurance in Irvine is available both online and from local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies do not offer the ability to get quotes online and usually these regional insurance providers only sell coverage through local independent agencies.

In this article, we presented a lot of techniques to find affordable Suzuki Grand Vitara insurance in Irvine. The most important thing to understand is the more price quotes you have, the better your chances of lowering your prices. You may even discover the best premium rates are with the smaller companies. Regional companies may have significantly lower prices on certain market segments than the large multi-state companies such as GEICO and State Farm.

Steps to finding affordable quotes for Suzuki Grand Vitara insurance in Irvine

If you want to save the most money, the best way to find affordable Suzuki Grand Vitara insurance in Irvine is to regularly compare prices from companies who provide auto insurance in California. Drivers can shop around by completing these steps.

Step 1: Spend some time learning about how companies price auto insurance and the measures you can control to prevent high rates. Many rating criteria that result in higher prices like traffic violations and a negative credit score can be rectified by paying attention to minor details.

Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from one company like GEICO and Allstate, while agents who are independent can provide price quotes from multiple sources. Click to view companies

Step 3: Compare the price quotes to the price on your current policy to see if a cheaper price is available in Irvine. If you can save some money, verify that coverage does not lapse between policies.

A tip to remember is to use identical coverages on every quote and and to get prices from as many companies as possible. Doing this helps ensure a fair price comparison and a complete price analysis.

Additional resources

• Comprehensive Coverage (Liberty Mutual)
• What Insurance is Cheapest with Multiple Speeding Tickets in Irvine? (FAQ)
• Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)