Cheap Rate Quotes for Suzuki Grand Vitara Insurance in Fort Worth

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Insurance for Suzuki Grand VitaraThe preferred way to find the cheapest price for car insurance rates is to compare quotes annually from different companies that sell auto insurance in Fort Worth.

  • Step 1: Take a little time to learn about how car insurance works and the measures you can take to lower rates. Many factors that drive up the price such as high-risk driving behaviors and poor credit rating can be amended by being financially responsible and driving safely.
  • Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from a single company like Progressive or Farmers Insurance, while agents who are independent can provide price quotes for many different companies.
  • Step 3: Compare the new rates to your current policy to determine if switching companies saves money. If you find a lower rate and change companies, make sure there is no lapse in coverage.
  • Step 4: Tell your current agent or company to cancel your existing policy and submit a completed policy application and payment for your new coverage. As soon as you receive it, keep the new certificate verifying coverage along with your vehicle registration.

A good tip to remember is to try to compare the same deductibles and limits on each quote and and to get rates from as many car insurance companies as possible. This ensures an accurate price comparison and the best price quote selection.

Unimaginable but true, a large majority of auto insurance policyholders have remained with the same auto insurance company for at least the last four years, and just under half have never taken the time to shop around. Consumers in Texas can save hundreds of dollars each year, but they underestimate the benefits if they switched to a more affordable policy.

Locating the most cost-effective insurance policy in Fort Worth is quite easy if you know the best way to do it. If you are paying for car insurance now, you will most likely be able to buy cheaper insurance using the techniques covered below. Smart buyers just need to understand the most efficient way to compare rate quotes from many companies at once.

The companies shown below are our best choices to provide comparison quotes in Texas. If several companies are displayed, we suggest you get rates from several of them to get the most affordable price.

Insurance coverage analysis

The coverage information shown below highlights a range of coverage costs for Suzuki Grand Vitara models. Being aware of how auto insurance premiums are formulated can benefit drivers when making smart choices when buying a car insurance policy.

Suzuki Grand Vitara Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $286 $486 $430 $26 $128 $1,356 $113
Grand Vitara Premium 2WD $286 $572 $430 $26 $128 $1,442 $120
Grand Vitara Premium 4WD $286 $572 $430 $26 $128 $1,442 $120
Grand Vitara Limited 2WD $286 $572 $430 $26 $128 $1,442 $120
Grand Vitara Special Edition 4WD $286 $572 $430 $26 $128 $1,442 $120
Grand Vitara XSport 2WD $286 $572 $430 $26 $128 $1,442 $120
Grand Vitara Limited 4WD $318 $572 $430 $26 $128 $1,474 $123
Grand Vitara XSport 4WD $318 $572 $430 $26 $128 $1,474 $123
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Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Information does not factor in the specific area where the vehicle is garaged which can modify insurance rates significantly.

Analysis of deductible levels

A question often asked by Fort Worth drivers is how high should your deductibles be. The tables below can help you understand the premium difference between high and low insurance deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.

Suzuki Grand Vitara insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $332 $496 $382 $22 $114 $1,371 $114
Grand Vitara Premium 2WD $332 $584 $382 $22 $114 $1,459 $122
Grand Vitara Premium 4WD $332 $584 $382 $22 $114 $1,459 $122
Grand Vitara Limited 2WD $332 $584 $382 $22 $114 $1,459 $122
Grand Vitara Special Edition 4WD $332 $584 $382 $22 $114 $1,459 $122
Grand Vitara XSport 2WD $332 $584 $382 $22 $114 $1,459 $122
Grand Vitara Limited 4WD $370 $584 $382 $22 $114 $1,497 $125
Grand Vitara XSport 4WD $370 $584 $382 $22 $114 $1,497 $125
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Suzuki Grand Vitara insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $206 $312 $382 $22 $114 $1,036 $86
Grand Vitara Premium 2WD $206 $368 $382 $22 $114 $1,092 $91
Grand Vitara Premium 4WD $206 $368 $382 $22 $114 $1,092 $91
Grand Vitara Limited 2WD $206 $368 $382 $22 $114 $1,092 $91
Grand Vitara Special Edition 4WD $206 $368 $382 $22 $114 $1,092 $91
Grand Vitara XSport 2WD $206 $368 $382 $22 $114 $1,092 $91
Grand Vitara Limited 4WD $228 $368 $382 $22 $114 $1,114 $93
Grand Vitara XSport 4WD $228 $368 $382 $22 $114 $1,114 $93
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rates do not factor in zip code location which can alter prices greatly.

Using the premium rates above, we can conclude that using a $250 deductible will cost you roughly $31 more each month or $372 for a full year than selecting the higher $1,000 deductible. Because you would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average at a minimum 24 months between claims, you would probably save some money if you choose a higher deductible.

How to calculate deductible break even period

Average monthly premium for $250 deductibles: $122
Average monthly premium for $1,000 deductibles (subtract): - $91
Monthly savings from raising deductible: $31
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $31
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

One big caveat is that raising deductibles to save money results in more money out-of-pocket when you have a claim. That will require some extra savings in the event you have to pay the higher deductible.

Suzuki Grand Vitara liability-only versus full coverage

The example below compares Suzuki Grand Vitara car insurance rates with full coverage compared to only the Texas minimum liability coverage. The rate quotes are based on no claims or driving violations, $500 deductibles, drivers are single, and no discounts are taken into consideration.

When to stop buying full coverage

There is no set guideline of when to eliminate physical damage coverage, but there is a general guideline. If the yearly cost of full coverage is more than around 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let's assume your Suzuki Grand Vitara claim settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $6,000 after paying your policy deductible. If it's costing in excess of $600 annually for physical damage coverage, then you may need to consider dropping full coverage.

There are a few situations where buying only liability insurance is not recommended. If you still have a loan on your vehicle, you have to keep full coverage to protect the lienholder's interest. Also, if you can't afford to buy a different vehicle if your current one is damaged, you should keep full coverage in place.

These discounts can slash Suzuki Grand Vitara insurance rates

Some companies don't always list every discount available very clearly, so below is a list a few of the more well known as well as some of the hidden credits available to lower your premiums when you buy Fort Worth auto insurance online.Save money with discounts

  • Discount for Multiple Policies - If you can bundle your auto and homeowners insurance and insure them with the same company you will save 10% to 20% off each policy.
  • Good Driver Discounts - Insureds without accidents can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.
  • Pay Upfront and Save - By making one initial payment rather than paying monthly you could save 5% or more.
  • Save with More Vehicles Insured - Buying insurance for all your vehicles on the same auto insurance policy can get a discount for every vehicle.
  • Seat Belt Usage - Buckling up and requiring all passengers to fasten their seat belts could cut 10% or more off the personal injury premium cost.
  • Government Employee Discount - Having worked for a branch of the government can save as much as 8% depending on your auto insurance provider.
  • Safety Course Discount - Participating in a course in driver safety could earn you a small percentage discount if you qualify.
  • Theft Deterrent System - Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.

Remember that many deductions do not apply to the whole policy. Most only cut individual premiums such as liability, collision or medical payments. So even though you would think it's possible to get free car insurance, it doesn't quite work that way.

The chart below shows the comparison of Suzuki Grand Vitara insurance rates with and without policy discounts. The premium estimates are based on a male driver, no claims or driving citations, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, homeowner, multi-policy, safe-driver, and claim-free discounts applied.

A few popular companies and the discounts they provide can be found below.

  • State Farm discounts include defensive driving training, safe vehicle, passive restraint, student away at school, and anti-theft.
  • Progressive has discounts for online quote discount, multi-vehicle, continuous coverage, homeowner, good student, and multi-policy.
  • Progressive has savings for online quote discount, multi-vehicle, homeowner, multi-policy, good student, and online signing.
  • MetLife includes discounts for claim-free, defensive driver, good student, multi-policy, good driver, accident-free
  • Farm Bureau offers discounts including multi-vehicle, driver training, renewal discount, 55 and retired, youthful driver, good student, and safe driver.
  • GEICO may offer discounts for anti-lock brakes, military active duty, driver training, five-year accident-free, and air bags.
  • SAFECO may have discounts that include teen safe driver, teen safety rewards, homeowner, anti-lock brakes, multi-car, accident prevention training, and drive less.

Before you buy a policy, ask every insurance company which discounts they offer. All car insurance discounts might not be offered on policies in Fort Worth. To see insurers that offer many of these discounts in Fort Worth, follow this link.

Protect your vehicle and other assets

Despite the high cost, buying insurance may be required and benefits you in several ways.

First, most states have minimum liability requirements which means it is punishable by state law to not carry a specific minimum amount of liability insurance in order to be legal. 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.

Second, if your vehicle has a loan, most lenders will force you to buy full coverage to protect their interest in the vehicle. If you let the policy lapse, the bank may buy a policy for your Suzuki for a much higher rate and force you to reimburse them for the expensive policy.

Third, insurance protects not only your Suzuki but also your financial assets. Insurance will pay for medical bills for not only you but also any passengers injured in an accident. Liability coverage also pays for attorney fees and expenses if you are sued as the result of your driving. If damage is caused by hail or an accident, your policy will pay to have it repaired.

The benefits of insuring your Grand Vitara more than offset the price you pay, especially if you ever need it. But the average American driver is overpaying over $830 a year so we recommend shopping around at every policy renewal to ensure rates are inline.

Tailor your car insurance coverage to you

When quoting and comparing your policy, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.Car insurance savings

For example, these questions might point out whether you would benefit from professional advice.

  • Are rock-chip repairs free?
  • Which companies will insure me after a DUI?
  • When should I not buy collision coverage?
  • What is high-risk coverage and where do I buy it?
  • I have health insurance so do I need medical payments coverage?
  • Does low annual mileage earn a discount?
  • Is my Suzuki Grand Vitara covered for smoke damage?
  • Is my state a no-fault state?
  • Do I need to call my car insurance company before buying a new car?
  • Am I covered when using my vehicle for business?

If you can't answer these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and may give you better protection.

Get rate quotes but buy from a neighborhood Fort Worth auto insurance agent

Some consumers would prefer to have an agent's advice and we recommend doing that Licensed agents can make sure you are properly covered and help you file claims. One of the best bonuses of comparing insurance prices online is that you can obtain the lowest rates and still buy from a local agent.

Insurance agency in Fort WorthTo help locate an agent, after submitting this form (opens in new window), the quote information is sent to participating agents in Fort Worth who want to provide quotes for your business. You don't have to even leave your home due to the fact that quote results will go to you instantly. If you wish to get a price quote from a specific car insurance provider, you can always navigate to their website and fill out the quote form the provide.

Selecting an insurer should depend on more than just a cheap price quote. Any agent in Fort Worth should have no problem answering these questions:

  • Are there any discounts that you might be missing?
  • How often do they review policy coverages?
  • How much experience to they have in personal lines coverages?
  • Do they have cheaper tiers of coverage?
  • Can you get a list of referrals?
  • Which companies do they recommend if they are an independent agency?

Listed below are agents in Fort Worth willing to provide comparison quotes for Suzuki Grand Vitara insurance in Fort Worth.

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After you get reasonable responses to any questions you have as well as cheap Grand Vitara insurance quotes, you may have found an insurance company that meets the criteria to properly insure your vehicles.