The preferred way to find more affordable Suzuki Grand Vitara insurance is to make a habit of regularly comparing prices from companies who sell auto insurance in Lubbock.
- Step 1: Try to learn about how car insurance works and the measures you can control to lower rates. Many things that cause high rates such as inattentive driving and a less-than-favorable credit score can be rectified by making lifestyle changes or driving safer.
- Step 2: Compare price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from one company like GEICO or Farmers Insurance, while independent agents can give you price quotes from multiple companies.
- Step 3: Compare the new quotes to the premium of your current policy and see if there is a cheaper rate. If you find a lower rate, ensure coverage does not lapse between policies.
- Step 4: Provide adequate notice to your current company of your intent to cancel the current policy and submit a completed policy application and payment to your new insurance company. Once received, place the new proof of insurance paperwork in a readily accessible location in your vehicle.
One thing to remember is that you'll want to make sure you compare identical coverages on every price quote and and to analyze as many car insurance companies as possible. This enables a level playing field and a complete rate analysis.
A recent study showed that most Texas car insurance customers have been with the same company for over three years, and almost half have never even compared rates from other companies. The average driver in the United States could cut their rates by 47% a year by just shopping around, but most undervalue the big savings they would realize if they swap their current policy for a cheaper one.
The are a couple different ways of comparing rate quotes from many available auto insurance companies in Texas. The simplest method to lower the rate you pay for insurance consists of shopping online.
It's so easy to compare rates online that it makes it a waste of time to physically go to different Lubbock agent offices. Shopping for auto insurance online has made agencies unnecessary unless you require the trained guidance of an agent trained in personal lines coverage. If you prefer, some companies allow you to obtain prices from the web but buy the policy through an agent.
It's important to know that comparing a large number of companies gives you a better chance of getting a lower rate.
The car insurance companies shown below offer free rate quotes in Lubbock, TX. If multiple companies are listed, we recommend you visit several of them to get the best price comparison.
Suzuki Grand Vitara insurance coverage information
The table displayed next showcases a range of coverage costs for Suzuki Grand Vitara models. Having knowledge of how insurance prices are determined can help drivers make decisions on which coverage to buy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Grand Vitara 2WD||$302||$456||$392||$24||$118||$1,292||$108|
|Grand Vitara Premium 2WD||$302||$538||$392||$24||$118||$1,374||$115|
|Grand Vitara Premium 4WD||$302||$538||$392||$24||$118||$1,374||$115|
|Grand Vitara Limited 2WD||$302||$538||$392||$24||$118||$1,374||$115|
|Grand Vitara Special Edition 4WD||$302||$538||$392||$24||$118||$1,374||$115|
|Grand Vitara XSport 2WD||$302||$538||$392||$24||$118||$1,374||$115|
|Grand Vitara Limited 4WD||$336||$538||$392||$24||$118||$1,408||$117|
|Grand Vitara XSport 4WD||$336||$538||$392||$24||$118||$1,408||$117|
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Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Price estimates do not factor in specific location information which can alter premiums substantially.
The diagram below demonstrates how deductibles and can affect Suzuki Grand Vitara insurance prices for each different age category. The prices are based on a married female driver, comp and collision included, and no other discounts are factored in.
How accidents and violations affect rates
The chart below shows how violations and at-fault collisions can drive up Suzuki Grand Vitara insurance costs for different insured age categories. The prices are based on a single female driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.
Rate comparison of men versus women
The illustration below visualizes the comparison of Suzuki Grand Vitara auto insurance costs for male and female drivers. The rate quotes are based on a clean driving record, no claims, full physical damage coverage, $1,000 deductibles, single marital status, and no policy discounts are applied.
Full coverage or liability only
The example below illustrates the difference between Suzuki Grand Vitara insurance costs with liability coverage only compared to full coverage. The premiums are based on no claims or driving citations, $250 deductibles, marital status is single, and no discounts are applied.
When to buy liability coverage only
There is no definitive formula for dropping full coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost minus the deductible, then it's probably a good time to buy liability coverage only.
For example, let's assume your Suzuki Grand Vitara settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $6,000 after paying the physical damage deductible. If you are paying in excess of $600 a year to have full coverage, then you may want to consider only buying liability coverage.
There are some situations where buying only liability insurance is not in your best interest. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not eliminate full coverage.
Your situation helps dictate your coverage
Keep in mind that when it comes to choosing coverage, there really is no "best" method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions could help you determine whether your personal situation might need an agent's assistance.
- How much liability insurance is required?
- What vehicles should carry emergency assistance coverage?
- How much liability do I need to cover my assets?
- Exactly who is provided coverage by my policy?
- Is there coverage for injuries to my pets?
- Is my babysitter covered when using my vehicle?
If you can't answer these questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.
Are car insurance agents used anymore?
Many drivers still like to get professional advice from a licensed agent and that is a smart decision A nice benefit of comparing insurance prices online is you may find lower rates and still have a local agent. And supporting neighborhood agents is still important in Lubbock.
By using this short form, the quote information gets sent to companies in Lubbock who will give competitive quotes for your insurance coverage. There is no need to leave your house because prices are sent directly to you. You can find better rates without requiring a lot of work. In the event you want to get a price quote from a specific company, just jump over to their website and complete a quote there.
Insurance agent types
When researching an insurance agent, you should know the different agency structures that you can choose from. Agencies in Lubbock may be either independent (non-exclusive) or exclusive.
Independent Insurance Agents (or Brokers)
Agents that elect to be independent are not employed by any specific company so they can write business through many companies and find the cheapest insurance rates. If they find a lower price, they simply switch companies in-house and you don't have to find a new agent. When comparison shopping, you need to compare quotes from multiple independent agents in order to compare the most rates.
Listed below is a list of independent insurance agencies in Lubbock that can give you rate quotes.
Maria Valeriano Insurance Agency
4210 50th St - Lubbock, TX 79413 - (806) 780-6622 - View Map
Exclusive agents can only place business with one company and examples are Allstate, State Farm and Farmers Insurance. They generally cannot place coverage with different providers so it's a take it or leave it situation. They receive extensive training on their company's products which helps overcome the inability to quote other rates.
Shown below are exclusive agencies in Lubbock that are able to give comparison quotes.
Selecting an insurance agency shouldn't rely on just a low price. Before buying a policy in Lubbock, get answers to these questions.
- Do the coverages you're quoting properly cover your vehicle?
- Are they in the agency full-time?
- Does the agency have a positive business rating?
- Are they properly licensed to sell insurance in Texas?
- Do you need full coverage on every vehicle?
- Where would glass claims be handled in Lubbock?
- Do they have cheaper tiers of coverage?
- Can you choose the body shop in case repairs are needed?
Car insurance companies ranked
Insuring your vehicle with the right insurance company can be difficult considering how many companies there are in Texas. The company ratings shown next may help you analyze which car insurance companies to look at comparing prices from.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies