Compare Suzuki Grand Vitara Insurance Quotes in Madison

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It's a known fact that insurance companies want to keep your business as long as possible. Consumers who compare price quotes are likely to move their business because they have a good chance of finding a lower-priced policy. A survey found that consumers who routinely compared quotes saved on average $865 a year compared to those who don't regularly compare prices.

If finding the cheapest price on Suzuki Grand Vitara insurance in Madison is your intention, then having a good understanding how to quote and compare auto insurance can save time and money.

Discount Suzuki Grand Vitara insuranceIf you want to find the absolute lowest rates, then the best way to get discount Suzuki Grand Vitara insurance is to make a habit of comparing prices annually from different companies in Madison. Rate comparisons can be done by following these guidelines.

First, read and learn about policy coverages and the modifications you can make to lower rates. Many rating criteria that result in higher rates like distracted driving and poor credit rating can be controlled by being financially responsible and driving safely.

Second, compare prices from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from one company like GEICO or State Farm, while agents who are independent can provide prices from many different companies.

Third, compare the new rate quotes to the premium of your current policy to see if a cheaper price is available in Madison. If you find a lower rate quote, make sure there is no lapse in coverage.

Fourth, notify your current company of your intention to cancel your current car insurance policy and submit the application along with any required down payment to the new insurer. Once coverage is bound, keep the new proof of insurance certificate somewhere easily accessible.

An essential thing to point out is to use the same coverage limits and deductibles on each quote and and to compare all possible companies. Doing this guarantees a fair rate comparison and the most accurate and complete price analysis.

Auto insurance providers offering low-cost rate quotes in Wisconsin

The providers in the list below offer quotes in Madison, WI. If you want to find cheap car insurance in WI, we suggest you visit as many as you can in order to get a fair rate comparison.

Statistics and details

The premium information shown below covers estimates of insurance prices for Suzuki Grand Vitara models. Understanding more about how insurance premiums are established can assist in making decisions on which insurance to purchase.

Suzuki Grand Vitara Insurance Rates in Madison, WI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $142 $188 $302 $18 $90 $740 $62
Grand Vitara Premium 2WD $142 $222 $302 $18 $90 $774 $65
Grand Vitara Premium 4WD $142 $222 $302 $18 $90 $774 $65
Grand Vitara Limited 2WD $142 $222 $302 $18 $90 $774 $65
Grand Vitara Special Edition 4WD $142 $222 $302 $18 $90 $774 $65
Grand Vitara XSport 2WD $142 $222 $302 $18 $90 $774 $65
Grand Vitara Limited 4WD $158 $222 $302 $18 $90 $790 $66
Grand Vitara XSport 4WD $158 $222 $302 $18 $90 $790 $66
Get Your Own Custom Quote Go

Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Rate information does not factor in garaging location in Madison which can increase or decrease auto insurance rates noticeably.

Higher deductibles save money

When buying car insurance, a common question is at what level do you set your deductibles. The data tables below can help you visualize the costs and benefits between low and high physical damage deductibles. The first rate comparisons uses a $100 physical damage deductible and the second data table uses a $1,000 deductible.

Suzuki Grand Vitara insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $224 $358 $230 $14 $68 $919 $77
Grand Vitara Premium 2WD $224 $422 $230 $14 $68 $983 $82
Grand Vitara Premium 4WD $224 $422 $230 $14 $68 $983 $82
Grand Vitara Limited 2WD $224 $422 $230 $14 $68 $983 $82
Grand Vitara Special Edition 4WD $224 $422 $230 $14 $68 $983 $82
Grand Vitara XSport 2WD $224 $422 $230 $14 $68 $983 $82
Grand Vitara Limited 4WD $248 $422 $230 $14 $68 $1,007 $84
Grand Vitara XSport 4WD $248 $422 $230 $14 $68 $1,007 $84
Get Your Own Custom Quote Go
Suzuki Grand Vitara insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $124 $188 $230 $14 $68 $624 $52
Grand Vitara Premium 2WD $124 $222 $230 $14 $68 $658 $55
Grand Vitara Premium 4WD $124 $222 $230 $14 $68 $658 $55
Grand Vitara Limited 2WD $124 $222 $230 $14 $68 $658 $55
Grand Vitara Special Edition 4WD $124 $222 $230 $14 $68 $658 $55
Grand Vitara XSport 2WD $124 $222 $230 $14 $68 $658 $55
Grand Vitara Limited 4WD $138 $222 $230 $14 $68 $672 $56
Grand Vitara XSport 4WD $138 $222 $230 $14 $68 $672 $56
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Wisconsin minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Information does not factor in vehicle garaging location which can revise auto insurance rates significantly.

We can derive from the above data that using a $100 deductible will cost you roughly $27 more each month or $324 a year than buying 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 have more than 33 months between claim filings, you would most likely save money by selecting a higher deductible.

The example below shows how different deductible levels and can change Suzuki Grand Vitara insurance costs for each age group. The rate quotes are based on a single female driver, comp and collision included, and no discounts are applied to the premium.

How violations and accidents impact rates

The example below highlights how traffic violations and at-fault accidents can affect Suzuki Grand Vitara annual premium costs for each age group. The price estimates are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

Gender differences in car insurance premiums

The information below compares Suzuki Grand Vitara insurance costs for male and female drivers. The premiums assume no claims, a clean driving record, comp and collision included, $250 deductibles, single marital status, and no discounts are applied to the premium.

Should you buy full coverage?

The chart below shows the comparison of Suzuki Grand Vitara car insurance rates with full coverage compared to only the Wisconsin minimum liability coverage. The rates are based on no driving violations, no at-fault accidents, $250 deductibles, marital status is single, and no discounts are factored in.

When to eliminate full coverage

There is no clear-cut rule that works best for making the decision to drop physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

For example, let's assume your Suzuki Grand Vitara claim settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $6,000 after paying the physical damage deductible. If you are paying in excess of $600 annually for comprehensive and collision coverage, then it might be time to buy liability only.

There are some situations where dropping physical damage coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if you don't have enough money to buy a different vehicle if your current one is in an accident, you should not eliminate full coverage.

Buy Suzuki Grand Vitara Insurance Cheaper

Multiple criteria are used when you quote your car insurance policy. Some of the criteria are obvious like your driving record, although some other factors are not as apparent such as whether you are married and annual miles driven. Smart consumers have a good feel for the different types of things that help calculate your premiums. If you have some idea of what determines premiums, this empowers consumers to make smart changes that could help you find cheaper rates.

The itemized list below are a few of the things used by your company to calculate your rates.

Where do you drive? - Driving more miles in a year's time the more it will cost to insure it. A lot of companies apply a rate determined by how the vehicle is used. Vehicles that are left in the garage can be on a lower rate level than those used for commuting. Verify your declarations sheet reflects the proper vehicle usage, because improper ratings can cost you money. Improper usage on your Grand Vitara may be costing you.

Safeguard your assets with liability protection - The liability section of your policy will provide protection when you are responsible for causing personal injury or damage in an accident. Your liability coverage provides for a legal defense starting from day one. It is affordable coverage compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.

More performance means more cost - The type of car you are buying insurance for makes a big difference in your car insurance bill. The lowest performance passenger models usually are quite affordable to insure, but your final cost has many other factors.

The data below uses these variables: married female driver age 40, full coverage with $500 deductibles, and no discounts or violations. It shows Suzuki Grand Vitara insurance premiums compared to other vehicles that have a range of risk factors.

If you don't need it don't buy it - Insurance policies have a lot of extra bells and whistles that you can buy on your car insurance policy. Coverage for things like personal injury protection, towing coverage, and extra life insurance coverage may be costing you every month. These may sound like a good investment when you first buy your policy, but if you've never needed them in the past consider taking them off your policy.

Score discounts on Madison auto insurance

Not too many consumers would say auto insurance is affordable, but you can get discounts to help offset the cost. Some discounts apply automatically when you quote, but some may not be applied and must be requested specifically before you will receive the discount. If you are not receiving all the discounts you qualify for, you are throwing money away.Auto insurance discounts

  • Passive Restraints and Air Bags - Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Home Ownership Discount - Simply owning a home may trigger a policy discount on auto insurance because maintaining a house requires personal responsibility.
  • Early Payment Discounts - If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Switch and Save Discount - A few auto insurance companies give discounts for switching companies before your current coverage expires. The savings is around 10%.
  • No Charge for an Accident - Not really a discount, but some insurance companies will turn a blind eye to one accident without the usual rate increase so long as you are claim-free for a set time period.

Drivers should understand that many deductions do not apply to the entire policy premium. Most cut specific coverage prices like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, company stockholders wouldn't be very happy.

The chart below illustrates the difference between Suzuki Grand Vitara auto insurance rates with and without discounts applied to the policy premium. The data assumes a female driver, no violations or accidents, Wisconsin state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, homeowner, safe-driver, claim-free, and marriage discounts applied.

To find auto insurance companies that offer discounts in Wisconsin, follow this link.

When to talk to a local insurance agent

Some people would rather have an agent's advice and doing that can be a smart decision The biggest benefit of getting free rate quotes online is you may find cheap rate quotes and still choose a local agent.

To help locate an agent, after submitting this quick form, your information is emailed to agents in your area who will give you quotes to get your business. You won't need to contact any insurance agencies since price quotes are sent to you instantly. You can find lower rates without a big time investment. In the event you want to get a comparison quote from a specific company, you just need to search and find their rate quote page and give them your coverage information.

Choosing the best insurance company should include more criteria than just a low price. Before buying a policy in Madison, get answers to these questions.

  • What company holds the largest book of business for them?
  • Are they paid to recommend certain coverages?
  • Can you choose the body shop in case repairs are needed?
  • Are they primarily personal or commercial lines agents in Madison?
  • Do they see any coverage gaps in your plan?
  • Are they in the agency full-time?
  • Is every driver in your family covered?

If you want to buy insurance from a local agent, there are two different types of agents that you can choose from. Madison agents can be categorized as either exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agencies

Exclusive agencies can only provide pricing for a single company like Allstate, State Farm and Farmers Insurance. These agents are unable to provide prices from multiple companies so they really need to provide good service. They are well trained on what they offer which helps them sell insurance even at higher premiums. Consumers sometimes use the same agent mainly due to the prominent brand name rather than low rates.

Below is a list of exclusive agencies in Madison who may provide you with rate quotes.

More Madison agents

Independent Insurance Agents

Agents that elect to be independent often have many company appointments so they can insure your vehicles through many companies and possibly get better coverage at lower prices. To move your coverage to a new company, an independent agent can move your coverage without you having to go to a different agency. When comparing rate quotes, you definitely need to get rate quotes from a couple of independent agencies to maximize your price options. Most can insure with mutual insurance companies that can offer cheaper rates than bigger companies.

Below are independent agents in Madison that are able to give rate quotes.

More Madison agents

The most affordable rates come from being thorough

In this article, we covered a lot of information how to find affordable Suzuki Grand Vitara insurance in Madison. It's most important to understand that the more quotes you get, the higher your chance of finding low cost Madison auto insurance quotes. You may even be surprised to find that the lowest premium rates are with the least-expected company.

The cheapest Suzuki Grand Vitara insurance in Madison can be sourced on the web in addition to local insurance agencies, and you should be comparing both to have the best rate selection. Some insurance providers may not offer online price quotes and many times these small insurance companies only sell coverage through independent insurance agencies.

Insureds leave their current company for any number of reasons including extreme rates for teen drivers, policy cancellation, not issuing a premium refund or policy non-renewal. It doesn't matter what your reason, switching auto insurance companies is pretty easy and you might even save some money in the process.

For more information, feel free to browse the resources below: