Save Money on Suzuki Grand Vitara Insurance in El Paso

Unbelievable but true according to a study the majority of drivers renewed their policy with the same company for a minimum of four years, and nearly the majority have never quoted insurance rates at all. Drivers in El Paso could save themselves roughly 70% a year just by shopping around, but they assume it’s a waste of time to compare other rate quotes.

The best way to quote cheaper Suzuki Grand Vitara insurance in El Paso is to make a habit of comparing prices annually from insurance carriers that sell auto insurance in Texas.

First, try to learn a little about how your policy works and the modifications you can make to keep rates low. Many rating criteria that cause rate increases such as tickets, at-fault accidents, and a not-so-good credit history can be rectified by paying attention to minor details.

Second, compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like GEICO and State Farm, while independent agents can provide price quotes for many different companies. View companies

Third, compare the new rate quotes to the price on your current policy and determine if cheaper Grand Vitara coverage is available in El Paso. If you can save money and make a switch, make sure there is no coverage gap between policies.

The key aspect of shopping around is to make sure you’re comparing the same deductibles and limits on every price quote and and to get rates from every insurance company. This helps ensure an apples-to-apples comparison and a thorough price selection.

How to buy Suzuki Grand Vitara insurance in El Paso

The companies shown below have been selected to offer quotes in El Paso, TX. If several companies are displayed, we recommend you visit as many as you can in order to get a fair rate comparison.

Why you need to buy auto insurance

Even though it can be expensive, maintaining insurance serves a purpose in several ways.

• Most states have minimum liability requirements which means you are required to buy specific minimum amounts of liability insurance if you drive a vehicle. 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 vehicle has a lienholder, it’s guaranteed your bank will make it a condition of the loan that you have insurance to guarantee payment of the loan. If you let the policy lapse, the bank or lender will purchase a policy for your Suzuki at a significantly higher premium and require you to pay the higher price.
• Auto insurance protects your car and your assets. It will also reimburse you for medical transport and hospital expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If your Suzuki gets damaged, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.

The benefits of having auto insurance definitely exceed the price paid, especially if you ever need it. As of last year, the average driver in Texas overpays as much as $850 per year so it’s very important to do a rate comparison every year to ensure rates are competitive.

Rates and statistics

The rate table displayed below covers a range of prices for Suzuki Grand Vitara models. Knowing how insurance prices are calculated can aid in making smart choices when buying a car insurance policy.

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Estimates do not factor in specific zip code location which can affect premiums considerably.

Comparison of policy deductibles

A question often asked by El Paso drivers is at what level do you set your deductibles. The rates below may aid in understanding how much more you’ll pay of buying low and high deductibles. The first set of rates uses a $100 deductible and the second pricing table uses a $1,000 deductible.

Premium data assumes 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, multi-policy, and claim-free. Rate information does not factor in the specific area where the vehicle is garaged which can decrease or increase auto insurance rates noticeably.

Based on the data above, we can derive that using a $100 deductible will cost you about $43 more each month or $516 each year across all Suzuki Grand Vitara models than requesting the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you go at a minimum 21 months between claim filings, you would probably come out ahead if you choose a higher deductible.

The chart below demonstrates how choosing different deductibles and can impact Suzuki Grand Vitara premium costs for different age categories. The information is based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.

Comparison of full coverage and liability-only policies

The illustration below illustrates the comparison of Suzuki Grand Vitara yearly insurance costs with and without physical damage coverage. The prices are based on no violations or accidents, $250 deductibles, drivers are not married, and no other discounts are factored in.

Should you be buying full coverage?

There is no set rule to delete physical damage insurance, but there is a broad guideline. If the annual cost of coverage is about 10% or more of the replacement cost minus the deductible, then it might be time to buy liability only.

For example, let’s say your Suzuki Grand Vitara replacement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $6,000 after the policy deductible has been paid. If you are paying in excess of $600 annually for full coverage, the it may be a good time to stop paying for full coverage.

There are a few cases where dropping physical damage coverage is not in your best interest. If you haven’t paid off your loan, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not eliminate full coverage.

Suzuki Grand Vitara insurance discounts in El Paso

Car insurance can cost a lot, but there could be significant discounts that many consumers don’t even know exist. Most are applied at quote time, but a few need to be manually applied prior to receiving the credit. If they aren’t giving you every credit you qualify for, it’s possible you qualify for a lower rate.

• Multiple Policy Discount – If you combine your auto and home policies with one insurance company you could earn a discount of up to 20% and get you cheap Grand Vitara insurance.
• Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS and/or traction control can stop better under adverse conditions and will save you 10% or more on Grand Vitara insurance in El Paso.
• Active Service Discounts – Having a deployed family member could trigger a small discount.
• Air Bags and Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can receive discounts of more than 20%.
• Theft Prevention System – Anti-theft and alarm system equipped vehicles help deter theft and that can save you a little bit as well.
• 55 and Retired – Drivers over the age of 55 could receive better insurance rates.

Just know that most discounts do not apply to the whole policy. Most only apply to specific coverage prices like collision or personal injury protection. Despite the fact that it seems like all the discounts add up to a free policy, it just doesn’t work that way.

The diagram below illustrates the difference between Suzuki Grand Vitara car insurance costs with and without discounts. The rates are based on a female driver, no claims or driving violations, Texas 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 homeowner, multi-car, claim-free, safe-driver, multi-policy, and marriage discounts applied.

To find insurance companies with the best Suzuki Grand Vitara insurance discounts in El Paso in Texas, click this link.

Local neighborhood agents and car insurance

Many people still prefer to sit down with an agent and doing that can be a smart decision Experienced insurance agents can answer important questions and give you someone to call. A nice benefit of price shopping on the web is you can get lower rates and still have an agent to talk to. Buying from neighborhood insurance agencies is definitely important in El Paso.

After completing this short form, your insurance data is submitted to companies in El Paso who will give you quotes for your business. You won’t need to even leave your home since rate quotes are delivered immediately to your email address. If you have a need to compare prices from a particular provider, just visit that company’s website and submit a quote form there.

Exclusive and independent El Paso auto insurance agents

If you need to find a local agent, it can be helpful to understand the different types of agencies and how they work. Car insurance policy providers can either be independent or exclusive. Either one can insure your vehicles, but it’s worth learning the subtle differences since it could factor into which agent you choose.

Independent Agencies or Brokers

Independent agents often have many company appointments and that enables them to quote your coverage with any number of different companies and help determine which has the cheapest rates. If they quote lower rates, they can switch companies in-house and you stay with the same agent.

When searching for an agent, it’s a good idea to get some free quotes from at least one independent agent to have the best price comparison. Most also write with smaller companies that can offer cheaper rates than bigger companies.

Featured below is a partial list of independent agencies in El Paso who may be able to give you pricing information.

• Rey Estrada Insurance
  6999 Montana Ave – El Paso, TX 79925 – (915) 771-9193 – View Map
• RedRock Insurance Agency
  1029 N Zaragoza Rd A – El Paso, TX 79907 – (915) 858-1400 – View Map
• Nationwide Insurance: Pinon and Associates Financial Corporation
  1515 E Missouri Ave – El Paso, TX 79902 – (915) 857-6890 – View Map

More insurance agents

Exclusive Insurance Agents

Agents that elect to be exclusive can usually just insure with one company and examples are State Farm, AAA, and Liberty Mutual. Exclusive agencies are unable to compare rates from other companies so they have to upsell other benefits. Exclusive agents are very knowledgeable on their company’s products which helps them sell on service rather than price. Some people will only use the same agent mainly due to high brand loyalty rather than having the cheapest rates.

Listed below is a list of exclusive agents in El Paso that are able to give comparison quotes.

• Terry Jimenez – State Farm Insurance Agent
  3500 N Mesa St g – El Paso, TX 79902 – (915) 532-1456 – View Map
• Terry Chaumont – State Farm Insurance Agent
  11660 Montwood Dr i – El Paso, TX 79936 – (915) 856-1200 – View Map
• Allstate Insurance: Zulema Valles
  4301 Montana Ave b – El Paso, TX 79903 – (915) 562-5433 – View Map

More insurance agents

Choosing the best insurance agency should include more criteria than just a low price. The questions below may impact your decision as well.

• Do they get paid more for recommending certain coverages?
• Can glass claims be handled at your home?
• If you have an accident, will your rates go up?
• Are claim adjusters local or do you have to take your car somewhere else?
• In the event of vehicle damage, can you pick the collision repair facility?
• Are they able to influence company decisions when a claim is filed?

Upon getting good answers to any questions you may have and a low price estimate, it’s possible that you found a car insurance agent that meets the requirements to properly service your car insurance policy.

Do I need special coverages?

When selecting insurance from an agent or online, there isn’t really a one-size-fits-all type of policy. Your situation is unique so your insurance needs to address that.
For example, these questions can aid in determining if your insurance needs would benefit from professional advice.

• Why do I only qualify for high-risk insurance?
• Is my Suzuki Grand Vitara covered for flood damage?
• Does medical payments coverage apply to all occupants?
• Should I rate my vehicle as business use?
• What is UM/UIM insurance?
• Can I afford to pay high deductible claims out of pocket?
• Can I cancel at any time?

If you can’t answer these questions, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Auto insurance coverage basics

Learning about specific coverages of auto insurance can help you determine which coverages you need for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages found on the average auto insurance policy.

Auto liability – This coverage protects you from damage that occurs to other people or property. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 30/60/25 that means you have a limit of $30,000 per injured person, a limit of $60,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as emergency aid, court costs, funeral expenses, structural damage and repair bills for other people’s vehicles. How much coverage you buy is up to you, but you should buy as large an amount as possible. Texas requires drivers to carry at least 30/60/25 but it’s recommended drivers buy more coverage.

The chart below shows why low liability limits may not provide you with enough coverage.

Comprehensive auto insurance – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like vandalism, damage from a tornado or hurricane, a broken windshield, theft and hail damage. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers – This coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Suzuki Grand Vitara.

Due to the fact that many Texas drivers only purchase the least amount of liability that is required (30/60/25 in Texas), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Collision – Collision coverage will pay to fix damage to your Grand Vitara from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as scraping a guard rail, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to increase the deductible on your Grand Vitara to get cheaper collision coverage.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like dental work, prosthetic devices and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

In conclusion

When you buy El Paso auto insurance online, do not buy less coverage just to save a little money. There have been many cases where drivers have reduced comprehensive coverage or liability limits only to find out that the savings was not a smart move. Your aim should be to buy a smart amount of coverage at the best price, not the least amount of coverage.

Lower-priced Suzuki Grand Vitara insurance in El Paso is available from both online companies and with local El Paso insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some car insurance companies may not provide online quoting and most of the time these smaller providers only sell through independent insurance agents.

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