Cheap Suzuki Grand Vitara Insurance in Austin

Trying to find lower-priced auto insurance rates in Austin, TX? Austin drivers have options when trying to find the lowest priced Suzuki Grand Vitara insurance. They can either spend hours driving around to get rate comparisons or leverage the internet to compare rates. There is a right way and a wrong way to find auto insurance online and you need to know the absolute fastest way to get price quotes on a Suzuki and get the lowest price.

The car insurance companies shown below have been selected to offer quotes in Texas. If multiple companies are shown, we recommend you visit two to three different companies in order to find the most competitive rates.

Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rates do not factor in garaging location in Austin which can revise premiums significantly.

Suzuki Grand Vitara insurance rates by gender

The chart below illustrates the comparison of Suzuki Grand Vitara premium costs for male and female drivers. The costs are based on no claims, a clean driving record, comprehensive and collision coverage, $500 deductibles, drivers are single, and no other discounts are factored in.

Deductible analysis

One of the most common auto insurance questions is the level to set your comp and collision deductibles. The figures shown below show how much more you’ll pay of buying low and high insurance deductibles. The first data set uses a $250 physical damage coverage deductible and the second price chart uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Rates do not factor in Austin location which can alter prices considerably.

Based on the above data, using a $250 deductible costs about $31 more each month or $372 every year than quoting the higher $1,000 deductible. Because you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you have at least 24 months between claim filings, you would probably be better off if you choose a higher deductible.

Get discounts to get affordable Austin car insurance rates

Car insurance is expensive, but you may find discounts that many consumers don’t even know exist. Certain credits will be shown when you complete an application, but some may not be applied and must be specifically requested before you get the savings. If you do not check that you are getting every discount possible, you may be paying too high a price.

• College Student Discount – Older children who live away from home to go to college and do not take a car to college may be able to be covered for less.
• Data Collection Discounts – Insureds who allow driving data submission to track their driving habits remotely such as Progressive’s Snapshot could possibly reduce rates as long as they are good drivers.
• Responsible Driver Discounts – Insureds without accidents may receive a discount up to 45% compared to accident prone drivers.
• Paperwork-free – Many companies will give a small break simply for signing digitally online.
• Driver Education Discount – Teen drivers should successfully take a driver’s education course in high school.

You should keep in mind that most credits do not apply to the entire policy premium. Most only cut individual premiums such as medical payments or collision. If you do the math and it seems like you would end up receiving a 100% discount, car insurance companies aren’t that generous.

Larger car insurance companies and some of the discounts are:

• GEICO discounts include five-year accident-free, anti-lock brakes, multi-vehicle, seat belt use, and anti-theft.
• SAFECO policyholders can earn discounts including teen safety rewards, teen safe driver, bundle discounts, anti-theft, homeowner, multi-car, and anti-lock brakes.
• State Farm has discounts for multiple policy, passive restraint, good student, Steer Clear safe driver discount, safe vehicle, and student away at school.
• MetLife offers discounts for multi-policy, accident-free, defensive driver, good driver, good student, and claim-free.
• 21st Century offers discounts including student driver, homeowners, teen driver, air bags, anti-lock brakes, and defensive driver.
• Progressive has savings for multi-policy, online quote discount, online signing, continuous coverage, and multi-vehicle.

Before buying, ask all companies you are considering which discounts they offer. Some discounts listed above may not be offered everywhere. To see a list of companies offering car insurance discounts in Austin, click this link.

Three reasons auto insurance is important

Even though it can be expensive, buying auto insurance serves several important purposes.

• The majority of states have mandatory insurance requirements which means state laws require specific minimum amounts of liability if you don’t want to risk a ticket. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If your Suzuki has a loan, it’s most likely the lender will require you to have insurance to guarantee their interest in the vehicle. If coverage lapses or is canceled, the lender will be forced to insure your Suzuki at a more expensive rate and force you to pay the higher premium.
• Auto insurance protects not only your Suzuki Grand Vitara but also your assets. It will also reimburse you for hospital and medical expenses incurred in an accident. As part of your policy, liability insurance will also pay for a defense attorney if you are sued as the result of an accident. If you have damage to your Suzuki as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.

The benefits of having auto insurance more than offset the price you pay, specifically if you ever have a liability claim. According to a recent study, the average American driver is overpaying over $750 every year so you should quote your policy with other companies at every policy renewal to ensure rates are competitive.

Can’t I get rate quotes from local Austin insurance agencies?

Certain consumers prefer to visit with an insurance agent and that can be a great decision Insurance agents can point out coverage gaps and help you file claims. One of the benefits of price shopping on the web is you can get better rates and also buy local.

To help locate an agent, after submitting this quick form, the coverage information is sent to local insurance agents in Austin that provide free Austin car insurance quotes and help you find cheaper coverage. There is no need to find an agent on your own as quotes are delivered to you. If for some reason you want to get a rate quote from a specific company, just visit that company’s website and submit a quote form there.

Picking an provider needs to be determined by more than just the price. Get answers to these questions too.

• Is vehicle damage repaired with OEM or aftermarket parts?
• How often do they review coverages?
• If you have an accident, will your rates go up?
• What are their preferred companies if they are an independent agency?
• Are there any extra charges for paying monthly?
• Which companies can they place coverage with?

The following are Austin car insurance companies who can help you get price quote information for Suzuki Grand Vitara insurance in Austin.

• Allstate Insurance: Amanda Escobar
  8700 Manchaca Rd #405 – Austin, TX 78748 – (512) 280-9700 – View Map
• Reed Insurance Agency
  2579 Western Trails Blvd #240 – Austin, TX 78745 – (512) 892-4555 – View Map
• Watkins Insurance Group
  3834 Spicewood Springs Rd – Austin, TX 78759 – (512) 452-8877 – View Map
• Allstate Insurance: Cheri Roman
  8103 Brodie Ln Ste 7 – Austin, TX 78745 – (512) 282-9999 – View Map

View more Austin agents