Cheap Louisville Suzuki Grand Vitara Insurance

Has it been a year or more since you last compared quotes for low-cost Suzuki Grand Vitara insurance in Louisville? No normal person rejoices having to buy auto insurance, especially when they are aware that their premiums are through the roof.

Inconceivable but true, the vast majority of auto insurance customers in Kentucky have purchased from the same company for at least four years, and almost 40% of drivers have never even shopped around for lower-cost coverage. Consumers in the U.S. could save an average of up to 47% each year just by comparing rates, but they think it’s difficult to shop their coverage around. Many car insurance companies vie for your hard-earned dollar, and because of this it can be hard to compare insurance companies to discover the definitive lowest price on Suzuki Grand Vitara insurance in Louisville.

You need to compare premium rates before your next renewal since insurance prices tend to go up over time. Just because you found the best rates on Suzuki Grand Vitara insurance in Louisville last year there may be better deals available now. Ignore everything you know about auto insurance because we’re going to demonstrate the easiest way to save money, get proper deductibles and limits, all at the lowest rate.

Companies offering Suzuki Grand Vitara insurance in Kentucky

The companies shown below are ready to provide free rate quotes in Kentucky. To find cheaper auto insurance in Louisville, we recommend you get rate quotes from several of them in order to find the lowest rates.

Suzuki Grand Vitara insurance analysis

The coverage table shown below highlights a range of rate quotes for Suzuki Grand Vitara models. Understanding more about how car insurance premiums are established can assist in making smart choices when buying a policy.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Price information does not factor in zip code location which can raise or lower premium rates substantially.

Should you raise deductibles?

When shopping for insurance, a common question is at what level do you set your deductibles. The following insurance rates can help illustrate the differences in price when you choose different deductibles. The first price estimate table uses a $100 physical damage deductible and the second price chart uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can raise or lower auto insurance rates noticeably.

Based on this data, using a $100 deductible costs roughly $37 more each month or $444 annually than choosing the higher $1,000 deductible. Since you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average more than 24 months between claims, you would most likely save money going with the higher deductible. The table below illustrates how you can come to your own conclusion.

One important caveat is that higher deductibles results in more money out-of-pocket when you have to file a claim. You should have some extra savings in the event you have to pay more for the deductible.

The information below illustrates how your deductible choice and can impact Suzuki Grand Vitara insurance costs for different categories of driver ages. The information is based on a married male driver, full coverage, and no other discounts are factored in.

Get discounts on Louisville insurance

Some insurers don’t always list every discount available in an easy-to-find place, so below is a list both well-publicized and the more hidden discounts that may be available. If you don’t get every credit available, you are not getting the best rate possible.

• Bundled Policy Discount – If you combine your auto and home policies and insure them both with the same insurance company you could save up to 20% off your total Grand Vitara insurance premium.
• Lower Rates for Military – Having a deployed family member could qualify you for better prices.
• Safety Course Discount – Participating in a course in defensive driver could possibly earn you a 5% discount and make you a better driver.
• Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
• Senior Citizen Discount – If you qualify as a senior citizen, you may qualify for better insurance rates.

Policy discounts save money, but most discount credits are not given to the entire cost. Most cut individual premiums such as comprehensive or collision. Despite the fact that it seems like you can get free auto insurance, companies wouldn’t make money that way.

The information below shows the comparison of Suzuki Grand Vitara insurance costs with and without discounts applied. The premiums assume a female driver, no accidents, no driving violations, Kentucky state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, safe-driver, marriage, claim-free, and homeowner discounts applied.

To find insurance companies that offer some of these discounts in Louisville, click this link.

Suzuki Grand Vitara Insurance Prices Can Be Lower

Lots of factors are part of the calculation when you quote your car insurance policy. Some are pretty understandable like a motor vehicle report, but some are less obvious like your continuous coverage or how safe your car is. Part of the car insurance buying process is learning the factors that play a part in calculating your car insurance rates. When consumers understand what positively or negatively impacts your premiums, this allows you to make good choices that could result in cheaper rates.

Rates impacted by vehicle usage – The more you drive annually the more you will pay for car insurance. A lot of insurance companies apply a rate based on how the vehicle is used. Autos that are left in the garage cost less to insure than those used for commuting. An improperly rated Grand Vitara is throwing money out the window. It’s a good idea to make sure your car insurance coverage is showing the correct usage, because it can save money.

Deter theft and pay less – Buying a car with a theft deterrent system can help lower your rates. Advanced theft deterrents like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart your vehicle from being stolen.

A policy lapse is a bad thing – Having a gap between insurance policy dates will be a fast way to trigger a rate increase. In addition to paying higher rates, being ticketed for driving with no insurance might get you a fine, jail time, or a revoked license.

Safer cars means cheaper insurance – Vehicles with high crash test scores tend to have better insurance rates. The safest vehicles protect occupants better and lower rates of occupant injuries translates into savings for insurance companies and thus lower rates.

Which gender costs less? – Over the last 30 years, statistics show that females tend to be a little less risky than males. Now that doesn’t mean females are better at driving than males. Men and women cause accidents in similar numbers, but men tend to have higher claims. Men also tend to get more serious tickets like reckless driving and DUI.

The information below visualizes the comparison of Suzuki Grand Vitara auto insurance rates for male and female drivers. The price estimates are based on no driving violations, no at-fault accidents, full physical damage coverage, $1,000 deductibles, single marital status, and no discounts are factored in.

When should I contact an insurance agent?

A lot of people would rather visit with an insurance agent and that is just fine! Agents are trained risk managers and will help you if you have claims. A nice benefit of comparing rates online is you can get lower rates and also buy local. Buying insurance from local agencies is definitely important in Louisville.

By using this form (opens in new window), the coverage information is sent to local insurance agents in Louisville who will return price quotes for your car insurance coverage. It makes it easy because there is no need to contact an agency since rate quotes are delivered to the email address you provide. If you have a need to quote rates from a specific company, you just need to find their quoting web page and fill out their quote form.

Two different types of car insurance agents

If you prefer to buy car insurance from a reliable insurance agent, there are two different types of agents and how they are distinctly different. Car insurance agencies can be described as either independent (non-exclusive) or exclusive. Either one can sell affordable car insurance policies, but it’s a good idea to understand how they are different since it can impact the selection process.

Independent Car Insurance Agencies

Independent agents do not sell for just one brand so they can quote policies through many different car insurance companies and get you the best rates possible. To move your coverage to a new company, they simply move your policy to a different company and you don’t have to do anything. When comparing car insurance prices, we recommend you compare prices from at a minimum one independent agency to have the most options to choose from.

The following are Louisville independent insurance agents that can give you competitive price quotes.

View more Louisville agents

Exclusive Car Insurance Agents

Agents that choose to be exclusive can only provide one company’s prices such as Allstate and State Farm. They are unable to give you multiple price quotes so always compare other rates. Exclusive agents are usually well trained on the products they sell which helps them compete with independent agents.

Listed below are exclusive agencies in Louisville that are able to give comparison quotes.

View more Louisville agents

Selecting an car insurance agent requires you to look at more than just the quoted price. These are some valid questions you should ask.

• Does the agency have a good rating with the Better Business Bureau?
• Is every driver in your family covered?
• Will they make sure you get an adequate claim settlement?
• Are aftermarket or OEM parts used to repair vehicles?
• Do they write coverage based solely on cost?
• Which companies do they recommend if they are an independent agency?

Best auto insurance in Kentucky

Selecting a good quality auto insurance provider can be rather challenging considering how many companies are available to choose from in Louisville. The company ratings shown below can help you select which providers to look at comparing price quotes from.

Top 10 Louisville Car Insurance Companies Overall

1. Travelers
2. USAA
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Allstate
7. State Farm
8. The Hartford
9. Safeco Insurance
10. Progressive

Top 10 Louisville Car Insurance Companies by A.M. Best Rank

1. Travelers – A++
2. USAA – A++
3. GEICO – A++
4. State Farm – A++
5. Erie Insurance – A+
6. Titan Insurance – A+
7. Esurance – A+
8. Progressive – A+
9. Nationwide – A+
10. The Hartford – A+

Don’t give up on cheaper premiums

In this article, we presented a lot of ways to compare Suzuki Grand Vitara insurance rates in Louisville. The key thing to remember is the more times you quote, the better your comparison will be. You may even find the biggest savings come from some of the smallest insurance companies. These smaller insurers may have significantly lower auto insurance rates on certain market segments than the large multi-state companies such as Allstate, GEICO and Progressive.

The cheapest Suzuki Grand Vitara insurance in Louisville is attainable on the web in addition to local insurance agencies, and you should be comparing both to have the best rate selection. Some companies may not provide online price quotes and most of the time these small, regional companies only sell coverage through independent agents.

How to find lower priced Suzuki Grand Vitara insurance in Louisville

Truthfully, the best way to save on Suzuki Grand Vitara insurance is to start doing an annual price comparison from different companies who provide car insurance in Louisville.

1. Get an understanding of how car insurance works and the factors you can control to drop your rates. Many risk factors that cause high rates such as high-risk driving behaviors and poor credit can be eliminated by being financially responsible and driving safely.
2. Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like GEICO or Farmers Insurance, while independent agents can provide prices from multiple sources.
3. Compare the quotes to your current policy premium and see if there is a cheaper rate in Louisville. If you can save money and decide to switch, make sure coverage does not lapse between policies.
4. Give notification to your current company to cancel the current policy and submit the required down payment along with the signed application for the new policy. When you receive it, keep the new certificate verifying coverage in your vehicle’s glove compartment or console.

A good piece of advice is to make sure you enter the same amount of coverage on each quote and to quote with every company you can. This enables an apples-to-apples comparison and a complete price analysis.

Additional learning opportunities

• Auto Crash Statistics (Insurance Information Institute)
• Who Has the Cheapest Auto Insurance Rates for Infrequent Drivers in Louisville? (FAQ)
• How Much is Louisville Car Insurance for Good Students? (FAQ)
• How Much are Auto Insurance Rates for Low Credit Scores in Louisville? (FAQ)
• Who Has the Cheapest Louisville Car Insurance for Retired Military? (FAQ)
• How Much are Auto Insurance Quotes for a Chevrolet Equinox in Louisville? (FAQ)
• Who Has Cheap Auto Insurance for a Nissan Altima in Louisville? (FAQ)
• Who Has Affordable Louisville Auto Insurance Quotes for Nurses? (FAQ)
• Teen Driving and Texting (State Farm)
• What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
• Protect Yourself Against Auto Theft (Insurance Information Institute)