If online auto insurance comparisons are new to you, chances are good that you are baffled by the large number insurance agents and companies that all say they have the best rates for Suzuki Grand Vitara insurance in Denver.
A study showed that a large majority of auto insurance policyholders in Colorado kept their coverage with the same auto insurance company for at least the last four years, and nearly half have never quoted rates to find cheaper coverage. American consumers could save $859 a year just by shopping around, but they don’t invest the time required to save money by comparing rate quotes.
It’s a great practice to compare premium rates before your policy renews due to the fact that insurance prices change regularly. Just because you had the lowest rates on Suzuki Grand Vitara insurance in Denver a few years ago the chances are good that you can find a lower rate quote today. There is a lot of bad advice regarding Grand Vitara insurance on the internet, but in just a couple of minutes you can learn some excellent ideas to put money back in your pocket.
Get Suzuki Grand Vitara Insurance for Less
Many things are used when quoting car insurance. Some factors are common sense like your driving record, although some other factors are more obscure like where you live or your financial responsibility.
Driving citations increase premiums – Drivers who don’t get tickets tend to pay less for car insurance than people who have multiple driving citations. Having just one moving violation may cause rates to rise twenty percent or more. Drivers who have received flagrant citations like DUI, reckless driving or excessive speeding are required to file a SR-22 with their state motor vehicle department in order to legally drive.
Better insurance rates for being claim-free – Auto insurance companies in Colorado give lower rates to insureds who only file infrequent claims. If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Your insurance policy is meant to be used in the event of more catastrophic claims.
Annual mileage impacts prices – The higher the miles on your Suzuki every year the more you’ll pay to insure your vehicle. A lot of companies charge to insure your cars based on how the vehicle is used. Cars and trucks that do not get driven very much can be on a lower rate level compared to those used for work or business. It’s a good idea to make sure your declarations sheet properly reflects the correct usage. A policy that improperly rates your Grand Vitara may be costing you higher rates.
Big cities have higher costs – Living in less populated areas of the country may provide you with better prices if you are looking for the lowest rates. Lower population means a lower chance of having an accident as well as less vandalism and auto theft. People who live in big cities regularly have more traffic problems and much longer commute distances. More time behind the wheel translates into higher accident risk.
Remove unneeded incidental coverages – There are a ton of extra coverages you can purchase on your Grand Vitara policy. Insurance for personal injury protection, accidental death, and term life insurance could be just wasting money. The coverages may be enticing initially, but your money might be better spent on other coverage so remove them from your policy.
Gender is a factor – Over time, data shows females are less aggressive when driving. That doesn’t necessarily mean that men are worse drivers. Women and men get in at-fault accidents in similar numbers, but males get into accidents with more damage. Men also statistically have more aggressive citations like driving under the influence (DUI).
Choose high safety ratings and save – Cars with five star safety ratings cost less to insure. Safe vehicles reduce occupant injuries and fewer injuries translates into fewer and smaller insurance claims and thus lower rates. If the Suzuki Grand Vitara is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.
There are several ways to compare rate quotes from companies that offer insurance in Colorado. The easiest way by far to compare rates consists of obtaining rate quotes online.
Just remember that having more price comparisons will increase your chances of finding better pricing.
The providers in the list below offer price comparisons in Denver, CO. If multiple companies are listed, we recommend you visit two to three different companies in order to find the most affordable rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Vitara 2WD | $192 | $306 | $330 | $20 | $98 | $946 | $79 |
| Grand Vitara Premium 2WD | $388 | $644 | $460 | $28 | $138 | $1,658 | $138 |
| Grand Vitara Premium 4WD | $162 | $350 | $396 | $24 | $118 | $1,050 | $88 |
| Grand Vitara Limited 2WD | $378 | $792 | $474 | $28 | $142 | $1,814 | $151 |
| Grand Vitara Special Edition 4WD | $334 | $740 | $426 | $26 | $128 | $1,654 | $138 |
| Grand Vitara XSport 2WD | $242 | $426 | $358 | $22 | $108 | $1,156 | $96 |
| Grand Vitara Limited 4WD | $378 | $662 | $474 | $28 | $142 | $1,684 | $140 |
| Grand Vitara XSport 4WD | $368 | $630 | $358 | $22 | $108 | $1,486 | $124 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rate quotes do not factor in vehicle garaging location which can affect prices greatly.
How accidents and tickets impact rates
The diagram below shows how traffic citations and at-fault claims can raise Suzuki Grand Vitara auto insurance costs for different insured age categories. Data assumes a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.
Is there truth in advertising?
Respected companies like Allstate, GEICO and Progressive continually stream television and radio advertisements. They all seem to seem to make the promise that people will save after switching your coverage. Is it even possible that every company can give you a lower rate on Suzuki Grand Vitara insurance in Denver? Just pay attention to how they say it.
Most companies require specific criteria for the right customer that will generate a profit. A good example of this type of risk profile should be between 30 and 50, has no claims, and has excellent credit. Any new insured who meets those qualifications may get the lowest premium rates in Denver and most likely will save a lot on Denver Suzuki Grand Vitara insurance if they switch.
Drivers who do not match those standards will probably have to pay higher rates and the customer buying from someone else. If you pay close attention to the ads, they say “customers who switch” but not “everyone who gets a quote” save that much. This is how companies can claim big savings.
Different companies use different criteria so you need to do a price quote comparison at every renewal. Because without a comparison, you cannot know which company will have the best rates at this point in time.
Protect more than your Suzuki vehicle
Despite the high cost, buying insurance may be required and benefits you in several ways.
First, just about all states have minimum liability requirements which means state laws require a minimum amount of liability insurance coverage in order to drive the car. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
Second, if your vehicle has a loan, most lenders will require you to buy insurance to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank may buy a policy for your Suzuki at an extremely high rate and require you to reimburse them the higher price.
Third, insurance protects both your assets and your Suzuki. It will also reimburse you for medical expenses incurred in an accident. As part of your policy, liability insurance will also pay attorney fees if anyone sues you for causing an accident. If damage is caused by hail or an accident, collision and comprehensive coverages will pay to have it repaired.
The benefits of having insurance more than offset the price you pay, particularly for liability claims. The average driver in America is overpaying more than $850 per year so it’s important to compare rates at least once a year to make sure the price is not too high.
Affordable Denver insurance rates with discounts
Insurance is easily one of your largest bills, but you might be missing out on some discounts that could drop your premiums quite a bit. Most are applied at the time of quoting, but less common discounts must be asked for prior to receiving the credit.
- Driver Education Discount – Make teen driver coverage more affordable by requiring them to successfully take a driver’s education course as it will make them better drivers and lower rates.
- Full Payment Discount – If you pay your bill all at once instead of paying each month you may have a lower total premium amount.
- Claim-Free Discount – Insureds who avoid accidents and claims can earn big discounts when compared to bad drivers.
- Government Employees – Active or former government employment can save as much as 8% with some insurance companies.
- Discount for Multiple Policies – When you combine your auto and homeowners insurance with one insurance company you may earn approximately 10% to 15%.
- Anti-lock Brake Discount – Cars, trucks, and SUVs that have anti-lock braking systems have fewer accidents so you can save 10 percent or more.
- College Student Discount – Older children who are enrolled in a college that is more than 100 miles from Denver and don’t have a car may qualify for this discount.
- First Accident Forgiveness – This isn’t a discount exactly, but companies like Allstate, Progressive, and GEICO will allow you to have one accident without the usual rate increase if you are claim-free for a set time period.
- Drive Less and Save – Low mileage vehicles may allow you to get substantially lower rates.
- Savings for New Vehicles – Putting coverage on a new Grand Vitara is cheaper compared to insuring an older model.
Please keep in mind that many deductions do not apply to the whole policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, insurance companies aren’t that generous.
If you would like to see a list of insurance companies that offer many of these discounts in Denver, click here to view.
Local Denver insurance agencies and insurance
A small number of people just want to have an agent’s advice and often times that is recommended One of the benefits of comparing rate quotes online is the fact that you can find cheap insurance quotes and also buy local. Putting coverage with local insurance agencies is important especially in Denver.
For easy comparison, once you complete this quick form, the quote information is instantly submitted to local insurance agents that can provide free Denver car insurance quotes for your business. There is no reason to find an agent because quoted prices will be sent to you directly. You’ll get the best rates and a licensed agent to work with. If for some reason you want to get a comparison quote from a particular provider, you would need to find their quoting web page to submit a rate quote request.
The following is a list of insurance companies in Denver that may be willing to give comparison quotes for Suzuki Grand Vitara insurance in Denver.
- Beth Bales – State Farm Insurance Agent
3650 S Yosemite St #408 – Denver, CO 80237 – (303) 993-2727 – View Map - State Farm: Charles Insurance Agency
1165 S Broadway #114 – Denver, CO 80210 – (303) 777-7161 – View Map - Insurance Town and Country
1735 E 17th Ave #3 – Denver, CO 80218 – (303) 388-7216 – View Map - Aspen Insurance Agency
2238 S Broadway – Denver, CO 80210 – (303) 777-2991 – View Map
Choosing an company should depend on more than just a cheap quote. These are some questions you should get answers to.
- Will high miles depreciate repair valuations?
- Are there any discounts for paying up front?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Are there any discounts that you might be missing?
- Is the agency covered by Errors and Omissions coverage?
What insurance coverages do I need?
When it comes to buying proper insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.
These are some specific questions may help highlight if you will benefit from professional help.
- Is my babysitter covered when using my vehicle?
- When would I need rental car insurance?
- Do I have ACV or replacement cost coverage?
- Do I need to file an SR-22 for a DUI in Colorado?
- Do I have coverage if I rent a car in Mexico?
- Should I rate my Suzuki Grand Vitara as pleasure use or commute?
If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.
Cover all your bases
Budget-friendly insurance in Denver can be found on the web and from local insurance agents, so get free Denver car insurance quotes from both of them in order to have the best price selection to choose from. Some insurance companies do not provide online rate quotes and usually these small, regional companies only sell coverage through independent insurance agencies.
Consumers leave their current company for any number of reasons including policy cancellation, high rates after DUI convictions, delays in paying claims or even questionable increases in premium. Regardless of your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.
When buying insurance coverage, don’t be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where an insured cut comprehensive coverage or liability limits and discovered at claim time they didn’t have enough coverage. Your strategy should be to get the best coverage possible at the lowest possible cost, but do not skimp to save money.
More resources
- Things to Know Before you Cancel Insurance (Allstate)
- Coverage Information (Progressive Insurance)
- Auto Insurance 101 (About.com)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Senior Drivers (Insurance Information Institute)