Suzuki Grand Vitara Insurance Rates in Los Angeles

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Drivers new to comparing insurance coverage rates on the web can find sourcing cheap Grand Vitara insurance is more work than they anticipated.

Insurance quote for Suzuki Grand Vitara in Los AngelesIt's safe to conclude that auto insurance companies don't want policyholders to shop around. Consumers who compare other prices will probably switch to a new company because there is a significant possibility of finding good coverage at a lower price. A study discovered that drivers who regularly compared price quotes saved about $860 a year compared to people who never shopped around.

If finding the cheapest rates on Suzuki Grand Vitara insurance is the reason for your visit, understanding how to get free comparison quotes and analyze insurance coverage can make the process more efficient.

Seven Tips to Get More Affordable Los Angeles Insurance Premiums

A large part of saving on car insurance is knowing a few of the rating criteria that come into play when calculating car insurance rates. If you have some idea of what influences your rates, this enables informed choices that can earn you lower rates. Many different elements are considered when premium rates are determined. Some are pretty understandable like a motor vehicle report, but some are less obvious such as whether you are married or your vehicle rating.

The items below are a few of the things car insurance companies consider when setting your rate level.

Gender and insurance - Statistics show that women are safer drivers than men. The data does not necessarily mean that females are better drivers. Women and men have at-fault accidents at a similar rate, but the men have accidents that have higher claims. Men also tend to receive more costly citations such as reckless driving.

The illustration below illustrates the difference between Suzuki Grand Vitara insurance costs for male and female drivers. The costs are based on a clean driving record, no at-fault accidents, full coverage, $250 deductibles, single marital status, and no additional discounts are factored in.

Costs impacted by vehicle usage - Driving more miles every year the more it will cost to insure it. Almost all companies calculate prices partially by how you use the vehicle. Cars and trucks that do not get driven very much can get a lower rate than vehicles that have high annual mileage. Ask your agent if your car insurance declarations sheet states the correct usage for each vehicle. An incorrectly rated Grand Vitara can result in significantly higher rates.

Cars with good safety ratings cost less to insure - Cars with high safety ratings get lower rates. Highly rated vehicles have better occupant injury protection and lower injury rates means less money paid by your insurance company and lower rates for you.

Insurance claims cost money - Car insurance companies in California give cheaper rates to people who only file infrequent claims. If you tend to file frequent claims, you can look forward to increased rates or even have your policy non-renewed. Insurance coverage is designed for major claims that would cause financial hardship.

Marriage can save you money - Having a spouse actually saves money when shopping for car insurance. Marriage translates into being more mature than a single person and insurance companies like that being married results in fewer claims.

Save money with higher coverage deductibles - Physical damage insurance, also called comprehensive and collision insurance, is used to repair damage to your Suzuki. Examples of some claims that would be covered could be running into the backend of another car, collision with an animal, and rolling your vehicle. Deductibles for physical damage state the amount of money you are willing to pay out-of-pocket before a claim is paid by your company. The more money you choose to pay out-of-pocket, the lower your rates will be.

Does your employer raise your premiums? - Did you know that where you work can have an impact on rates? Occupational choices like lawyers, business owners, and accountants usually pay higher rates than average attributed to stressful work requirements and lots of time spent at work. On the flip side, careers like actors, historians and homemakers get better rates.

Suzuki Grand Vitara insurance quotes comparison

When shopping for cheaper Los Angeles auto insurance quotes, there are a couple of ways to compare quotes from all the different companies. By far the easiest way to find competitive insurance rates is to use the internet to compare rates.

Just remember that quoting more helps you find better pricing. Not every company does price estimates online, so you also need to get prices from those companies as well.

The companies shown below are ready to provide comparison quotes in Los Angeles, CA. If multiple companies are listed, we suggest you compare several of them in order to find the most affordable rates.

Car insurance statistics for a Suzuki Grand Vitara

The coverage information displayed next outlines different prices for Suzuki Grand Vitara models. Learning a little about how auto insurance premiums are calculated can help you make decisions when choosing a new policy provider.

Suzuki Grand Vitara Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $314 $464 $442 $26 $132 $1,378 $115
Grand Vitara Premium 2WD $314 $546 $442 $26 $132 $1,460 $122
Grand Vitara Premium 4WD $314 $546 $442 $26 $132 $1,460 $122
Grand Vitara Limited 2WD $314 $546 $442 $26 $132 $1,460 $122
Grand Vitara Special Edition 4WD $314 $546 $442 $26 $132 $1,460 $122
Grand Vitara XSport 2WD $314 $546 $442 $26 $132 $1,460 $122
Grand Vitara Limited 4WD $348 $546 $442 $26 $132 $1,494 $125
Grand Vitara XSport 4WD $348 $546 $442 $26 $132 $1,494 $125
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rates do not factor in specific location which can raise or lower coverage rates significantly.

Physical damage deductible comparison

One of the most common car insurance questions is how high should your deductibles be. The comparisons below may help to conceptualize the differences in premium rates of buying low and high deductibles. The first rate estimation uses a $100 comprehensive and collision deductible and the second set of prices uses a $1,000 deductible.

Suzuki Grand Vitara insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $430 $686 $442 $26 $132 $1,741 $145
Grand Vitara Premium 2WD $430 $810 $442 $26 $132 $1,865 $155
Grand Vitara Premium 4WD $430 $810 $442 $26 $132 $1,865 $155
Grand Vitara Limited 2WD $430 $810 $442 $26 $132 $1,865 $155
Grand Vitara Special Edition 4WD $430 $810 $442 $26 $132 $1,865 $155
Grand Vitara XSport 2WD $430 $810 $442 $26 $132 $1,865 $155
Grand Vitara Limited 4WD $478 $810 $442 $26 $132 $1,913 $159
Grand Vitara XSport 4WD $478 $810 $442 $26 $132 $1,913 $159
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Suzuki Grand Vitara insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $238 $362 $442 $26 $132 $1,200 $100
Grand Vitara Premium 2WD $238 $426 $442 $26 $132 $1,264 $105
Grand Vitara Premium 4WD $238 $426 $442 $26 $132 $1,264 $105
Grand Vitara Limited 2WD $238 $426 $442 $26 $132 $1,264 $105
Grand Vitara Special Edition 4WD $238 $426 $442 $26 $132 $1,264 $105
Grand Vitara XSport 2WD $238 $426 $442 $26 $132 $1,264 $105
Grand Vitara Limited 4WD $266 $426 $442 $26 $132 $1,292 $108
Grand Vitara XSport 4WD $266 $426 $442 $26 $132 $1,292 $108
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rate information does not factor in vehicle location which can revise coverage rates noticeably.

Based on the above data, using a $100 deductible costs an average of $50 more each month or $600 each year averaged for all Grand Vitara models than choosing the higher $1,000 deductible. Since you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go at a minimum 18 months between claims, you would probably be better off if you elect the higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $100 deductibles: $155
Average monthly premium for $1,000 deductibles (subtract): - $105
Monthly savings from raising deductible: $50
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $50
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

One thing to be aware of is that a higher deductible means you will have to pay more when you do file a claim. That will require enough disposable savings in the event you need to pay the deductible.

Suzuki Grand Vitara liability rates compared to full coverage

The illustration below shows the comparison of Suzuki Grand Vitara auto insurance costs with liability coverage only compared to full coverage. The information is based on no violations or claims, $250 deductibles, marital status is single, and no discounts are applied to the premium.

When to stop paying for full coverage

There is no definitive rule of when to stop paying for full coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is 10% or more of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

For example, let's assume your Suzuki Grand Vitara replacement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $7,000 after the policy deductible has been paid. If premium cost is more than $700 annually for comprehensive and collision coverage, then it could be time to drop full coverage.

There are a few cases where buying only liability insurance is not a good idea. If you haven't satisfied your loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should maintain full coverage.

Why you need insurance for your Grand Vitara

Even though Los Angeles Grand Vitara insurance rates can get expensive, paying for car insurance is required in California but it also protects you in many ways.

  • Almost all states have mandatory insurance requirements which means the state requires specific limits of liability insurance in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If you bought your Suzuki with a loan, more than likely the lender will stipulate that you have physical damage coverage to guarantee payment of the loan. If you do not keep the policy in force, the bank will be required to insure your Suzuki at a much higher premium rate and force you to reimburse them for it.
  • Insurance protects your vehicle and your assets. It will also pay for most medical and hospital costs incurred in an accident. Liability coverage will also pay attorney fees if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will pay to have it repaired.

The benefits of carrying adequate insurance greatly outweigh the cost, especially if you ever need it. But the average American driver is overpaying more than $869 every year so we recommend shopping around every year to save money.

Save with these money saving discounts

Companies offering auto insurance don't always advertise all available discounts in an easy-to-find place, so below is a list some of the more common and also the more inconspicuous car insurance savings.Cheaper car insurance with discounts

  • Include Life Insurance and Save - Larger insurance carriers have a break if you buy a life policy as well.
  • Online Discount - Some of the larger companies provide a small discount for buying your policy on the web.
  • Home Ownership Discount - Owning a home in Los Angeles can help you save on car insurance due to the fact that maintaining a home requires a higher level of personal finance.
  • Data Collection Discounts - People who choose to allow their car insurance company to scrutinize driving patterns through the use of a telematics system such as State Farm's In-Drive may see discounts if they exhibit good driving behavior.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if it's offered in school.
  • Claim-Free Discount - Drivers who don't have accidents can save substantially when compared to drivers who are more careless.

You should keep in mind that many deductions do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that all the discounts add up to a free policy, company stockholders wouldn't be very happy.

The example below shows the comparison of Suzuki Grand Vitara premium costs with and without discounts applied. The prices are based on a male driver, a clean driving record, no claims, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, claim-free, multi-policy, and multi-car discounts applied.

For a list of companies that can offer you the previously mentioned discounts in California, click here.

Compare rates but still have a local neighborhood Los Angeles car insurance agent

A small number of people prefer to visit with an insurance agent and that is recommended in a lot of cases The biggest benefit of comparing insurance prices online is you may find cheap insurance rates and still have a local agent.

Los Angeles insurance agentsAfter completing this simple form, the quote information gets sent to insurance agents in Los Angeles who will give you quotes for your insurance coverage. You never need to leave your computer since rate quotes are delivered straight to your inbox. Get lower rates without requiring a lot of work. If you want to quote rates from a specific insurance provider, you can always navigate to their website to submit a rate quote request.

Selecting an company is decision based upon more than just the premium amount. The questions below may impact your decision as well.

  • Are aftermarket or OEM parts used to repair vehicles?
  • What discounts might you be missing?
  • How long has their agency been in business in Los Angeles?
  • Do they offer claims assistance after hours?
  • Do they feel the quoted coverages are adequate?
  • Do you work with a CSR or direct with the agent?
  • What is the financial rating for the quoted company?
  • Where would glass claims be handled in Los Angeles?

If you would like to find a reliable agent, it helps to know the two types of insurance agents to choose from. Agencies in Los Angeles may be either independent agents or exclusive agents.

Exclusive Insurance Agents

Exclusive insurance agents work for only one company like American Family, State Farm, and Allstate. Exclusive agents are unable to provide prices from multiple companies so it's a take it or leave it situation. Exclusive agents are trained well on the products they sell which helps them sell insurance even at higher premiums. Some people will only buy insurance from these agents primarily because of the prominent brand name and the convenience of having all coverages with one company.

The following is a list of exclusive insurance agents in Los Angeles who may provide you with comparison quotes.

View more Los Angeles agents

Independent Insurance Agents

Agents that elect to be independent do not write with just one company and that is an advantage because they can write policies with many different companies and get you the best rates possible. If your agent finds better pricing, the business is moved internally which requires no work on your part. If you need cheaper insurance rates, you will want to get rate quotes from several independent agencies to get the most accurate price comparison. Most also write with smaller companies which can be an advantage.

Below are independent insurance agencies in Los Angeles that can give you price quotes.

View more Los Angeles agents

If you get answers to your satisfaction to all your questions in addition to an acceptable price estimate, you may have just found an insurance agent that is professional and can insure your vehicles. Keep in mind it's your policy and you can cancel your policy whenever you choose to so don't think you are locked into a specific agent indefinitely.

Compare rates regularly to save

Drivers switch companies for any number of reasons including extreme rates for teen drivers, denial of a claim, delays in responding to claim requests or even high rates after DUI convictions. Regardless of your reason for switching companies, finding the right insurance provider is not as difficult as it may seem.

When searching for affordable Suzuki Grand Vitara insurance quotes, don't be tempted to reduce coverage to reduce premium. In too many instances, an insured dropped full coverage and found out when filing a claim that the small savings ended up costing them much more. The proper strategy is to buy the best coverage you can find at an affordable rate and still be able to protect your assets.

In this article, we covered some good ideas how to reduce Suzuki Grand Vitara insurance prices online in Los Angeles. It's most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Drivers may even discover the lowest prices come from a small local company.

More detailed insurance information is located at these sites: