Suzuki Grand Vitara Insurance Rate Quotes in Lubbock

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.

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.

Insurance quote for Suzuki Grand Vitara in LubbockA 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.

Suzuki Grand Vitara Insurance Rates in Lubbock, TX
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 thatAuto insurance savings
For instance, these questions could help you determine whether your personal situation might need an agent’s assistance.

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.

Lubbock insurance agentsBy 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.

6102 82nd St #6Lubbock, TX 79424(806) 745-8358View Map

Maria Valeriano Insurance Agency
4210 50th StLubbock, TX 79413(806) 780-6622View Map

5812 66th StLubbock, TX 79424(806) 763-7311View Map

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Exclusive Agents

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.

13413 County Rd 1800 Unit DLubbock, TX 79424(806) 783-9998View Map

1314 50th StLubbock, TX 79412(806) 741-1515View Map

2321 50th St Ste CLubbock, TX 79412(806) 799-4600View Map

More insurance agents

Selecting an insurance agency shouldn’t rely on just a low price. Before buying a policy in Lubbock, get answers to these questions.

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.

Best Car Insurance Companies in Lubbock
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies