Unimaginable but true, the vast majority of insurance customers have been with the same company for four years or more, and virtually 40% of consumers have never compared rate quotes at all. Dallas insurance shoppers could save themselves about 70% a year by just shopping around, but most tend to underestimate the rate savings if they switched to a cheaper policy.
The best way to quote cheaper car insurance rates is to regularly compare prices from companies who sell auto insurance in Dallas. Price quotes can be compared by completing these steps.
Step 1: Try to learn about how your policy works and the measures you can control to drop your rates. Many things that are responsible for high rates such as inattentive driving and your credit history can be remedied by paying attention to minor details. This article provides more details to prevent high rates and get discounts that may be overlooked.
Step 2: Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like Progressive and State Farm, while agents who are independent can provide price quotes from many different companies. Compare rates now
Step 3: Compare the price quotes to your current policy to see if a cheaper rate is available in Dallas. If you can save some money and change companies, verify that coverage does not lapse between policies.
The critical component of shopping around is to make sure you enter the same amount of coverage on every price quote and to quote with as many companies as you can. This provides a fair price comparison and plenty of rates choose from.
Lower Your Dallas Insurance Prices
Multiple criteria are taken into consideration when you get a price on insurance. A few of the factors are predictable such as your driving record, but some are more transparent like your vehicle usage or how safe your car is.
Safer the car lower the rate – Safe vehicles cost less to insure. Safe vehicles reduce injuries and better occupant protection means less money paid by your insurance company which can result in lower premiums. If the Suzuki Grand Vitara has at least four stars on Safercar.gov you may pay a lower rate.
Only buy what you need – There are quite a few additional extra coverages you can purchase if you aren’t careful. Insurance for roadside assistance, death and dismemberment, and membership fees may be costing you every month. They may seem good when talking to your agent, but your money might be better spent on other coverage so eliminate them to save money.
Having a spouse equates to better prices – Walking down the aisle can get you a discount on your policy. It translates into being more mature and responsible and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
Liability coverage is important – Liability coverage will provide protection when a court rules you are at fault for damages from an accident. It provides for a legal defense to attempt to prove you were not liable. Liability insurance is quite affordable compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
Women tend to be lower risk – Over the last 50 years, statistics have shown that women are safer drivers than men. However, this does not mean females are better drivers. Women and men tend to get into fender benders in similar numbers, but the men have costlier accidents. In addition to higher claims, males also receive more costly citations like DWI (DUI) or reckless driving.
The chart below compares Suzuki Grand Vitara premium costs for male and female drivers. The premium estimates are based on no claims or driving violations, comp and collision included, $500 deductibles, drivers are single, and no additional discounts are factored in.
Suzuki Grand Vitara detailed coverage information
The premium table displayed below outlines estimates of insurance costs for Suzuki Grand Vitara models. Being more informed about how rate quotes are calculated can help guide drivers when making smart choices when purchasing an auto insurance policy.
|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|
|Get Your Own Custom Quote Go|
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Rate information does not factor in Dallas location which can decrease or increase insurance rates greatly.
The diagram below shows how choosing a deductible and can impact Suzuki Grand Vitara insurance prices for different ages of insureds. The prices are based on a married female driver, comp and collision included, and no discounts are applied.
How accidents and tickets impact rates
The diagram below highlights how speeding tickets and at-fault accidents drive up Suzuki Grand Vitara car insurance rates for different age groups. The data assumes a married male driver, comp and collision included, $250 deductibles, and no other discounts are factored in.
Comparison of full coverage and liability-only policies
The information below shows the difference between Suzuki Grand Vitara auto insurance costs with liability coverage only compared to full coverage. The rates are based on no violations or accidents, $250 deductibles, single status, and no discounts are taken into consideration.
When to drop comprehensive and collision
There is no clear-cut rule to stop paying for full coverage on your policy, but there is a guideline you can consider. If the yearly cost of full coverage is more than 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 pretend your Suzuki Grand Vitara replacement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $6,000 after you pay the deductible. If you are paying over $600 annually for physical damage coverage, then you might want to think about dropping full coverage.
There are some scenarios where removing full coverage is not in your best interest. If you haven’t paid off your loan, you have to carry full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.
Discounts mean cheaper rates for Suzuki Grand Vitara insurance in Dallas
Car insurance can cost a lot, but there could be significant discounts that you may not even know about. Certain credits will be shown at quote time, but a few must be manually applied in order for you to get them.
- Clubs and Organizations – Belonging to qualifying employment or professional organizations could trigger savings on your next insurance statement.
- Paper-free Discount – Some of the larger companies will discount your bill up to fifty bucks simply for signing on the web.
- Low Miles Discount – Driving less can qualify you for lower rates on the low mileage vehicles.
- Savings for New Vehicles – Buying insurance coverage on a new vehicle can get you a discount since new vehicles are generally safer.
- Anti-lock Brake System – Vehicles that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more on Grand Vitara insurance in Dallas.
- Safety Course Discount – Successfully completing a driver safety class could possibly earn you a 5% discount and make you a better driver.
Don’t be surprised that some of the credits will not apply to the overall cost of the policy. A few only apply to specific coverage prices like medical payments or collision. So when it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.
The example below illustrates the comparison of Suzuki Grand Vitara yearly insurance costs with and without policy discounts. The data assumes a female driver, no violations or claims, Texas state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, multi-policy, homeowner, safe-driver, and claim-free discounts applied.
To find companies that offer multiple discounts in Dallas, click this link.
A conclusion for your insurance search
You just learned a lot of techniques to get a better price on Suzuki Grand Vitara insurance in Dallas. It’s most important to understand that the more companies you get rates for, the higher the chance of saving money. You may even be surprised to find that the lowest priced insurance comes from a company that doesn’t do a lot of advertising.
When shopping online for insurance, make sure you don’t skimp on coverage in order to save money. There are a lot of situations where an insured cut collision coverage only to find out that the savings was not a smart move. The aim is to buy the best coverage you can find at the best possible price.
People leave their current company for many reasons like not issuing a premium refund, unfair underwriting practices, delays in responding to claim requests and lack of trust in their agent. Regardless of your reason for switching companies, switching insurance companies can be easy and end up saving you some money.
More tips and info about insurance is located in the articles below:
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Who Has Cheap Dallas Car Insurance Quotes with Multiple Speeding Tickets? (FAQ)
- Safety Features for Your New Car (State Farm)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- Car Insurance: When not to Skimp (BankRate.com)
- Car Insurance FAQ (Trusted Choice)