The best way to find low-cost prices for Suzuki Grand Vitara insurance is to start comparing rates regularly from companies in Fresno.
Step 1: Read about coverages and the measures you can control to keep rates down. Many things that cause high rates like your driving record and a not-so-good credit rating can be controlled by improving your driving habits or financial responsibility. Later in this article we will cover more details to help prevent high rates and find overlooked discounts.
Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from one company like Progressive or Allstate, while independent agencies can provide price quotes from multiple companies.
Step 3: Compare the price quotes to the premium of your current policy to see if switching to a new carrier will save money. If you find a lower rate quote, make sure coverage does not lapse between policies.
A crucial key to this process is to use identical coverages on each quote request and and to get price quotes from every company you can. This guarantees a fair price comparison and maximum price selection.
Everyone knows that insurance companies don’t want their customers to go rate shopping. Drivers who do rate comparisons will, in all likelihood, switch auto insurance companies because there is a good probability of finding a lower-cost company. A recent auto insurance study revealed that consumers who make a habit of shopping around saved an average of $3,500 over four years as compared to drivers who didn’t regularly shop around.
If saving the most money on insurance is your ultimate goal, then understanding how to quote and compare cheaper coverage can help you succeed in finding affordable rates.
If you are already insured, you stand a good chance to be able to find the best rates using the techniques presented in this article. Quoting and comparing the best policy in Fresno is not as time-consuming as you think. Nevertheless, California vehicle owners must understand how companies calculate their prices and use it to find better rates.
Best Suzuki Grand Vitara insurance rate quotes in California
The companies in the list below can provide quotes in California. In order to find cheap car insurance in Fresno, it’s a good idea that you compare several of them to find the lowest car insurance rates.
Rate information and statistics
The rate table displayed next outlines different coverage costs for Suzuki Grand Vitara models. Being aware of how policy rates are determined can be useful when making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Vitara 2WD | $330 | $570 | $416 | $24 | $124 | $1,464 | $122 |
| Grand Vitara Premium 2WD | $330 | $672 | $416 | $24 | $124 | $1,566 | $131 |
| Grand Vitara Premium 4WD | $330 | $672 | $416 | $24 | $124 | $1,566 | $131 |
| Grand Vitara Limited 2WD | $330 | $672 | $416 | $24 | $124 | $1,566 | $131 |
| Grand Vitara Special Edition 4WD | $330 | $672 | $416 | $24 | $124 | $1,566 | $131 |
| Grand Vitara XSport 2WD | $330 | $672 | $416 | $24 | $124 | $1,566 | $131 |
| Grand Vitara Limited 4WD | $368 | $672 | $416 | $24 | $124 | $1,604 | $134 |
| Grand Vitara XSport 4WD | $368 | $672 | $416 | $24 | $124 | $1,604 | $134 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Prices do not factor in vehicle garaging location which can affect premiums significantly.
Comparison of policy deductibles
One of the more difficult decisions when buying insurance is where should you set your physical damage deductibles. The figures shown below outline how much more you’ll pay between low and high physical damage coverage deductibles. The first rate quote example uses a $250 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Vitara 2WD | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| Grand Vitara Premium 2WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Grand Vitara Premium 4WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Grand Vitara Limited 2WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Grand Vitara Special Edition 4WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Grand Vitara XSport 2WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Grand Vitara Limited 4WD | $430 | $678 | $442 | $26 | $132 | $1,733 | $144 |
| Grand Vitara XSport 4WD | $430 | $678 | $442 | $26 | $132 | $1,733 | $144 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Vitara 2WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Grand Vitara Premium 2WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Grand Vitara Premium 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Grand Vitara Limited 2WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Grand Vitara Special Edition 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Grand Vitara XSport 2WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Grand Vitara Limited 4WD | $266 | $426 | $442 | $26 | $132 | $1,292 | $108 |
| Grand Vitara XSport 4WD | $266 | $426 | $442 | $26 | $132 | $1,292 | $108 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Prices do not factor in vehicle garaging location which can impact premium rates considerably.
Based on this data, using a $250 deductible will cost you about $36 more each month or $432 a year averaged for all Grand Vitara models than choosing the higher $1,000 deductible. Since you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 21 months between claim filings, you would come out ahead if you decide on a higher deductible.
The illustration below demonstrates how choosing different deductibles and can influence Suzuki Grand Vitara insurance rates for each different age category. The premiums are based on a married male driver, full coverage, and no discounts are factored in.
Male drivers compared to female drivers
The diagram below shows the comparison of Suzuki Grand Vitara insurance rates for male and female drivers. The premium estimates are based on no accidents, no driving violations, full physical damage coverage, $250 deductibles, single marital status, and no discounts are applied to the premium.
Suzuki Grand Vitara insurance discounts in Fresno
Insurance is not inexpensive, but discounts can save money and there are some available to help offset the cost. Certain discounts will be applied at quote time, but a few must be specifically requested before you will receive the discount.
- Payment Discounts – By paying your entire bill at once rather than paying in monthly installments you could save 5% or more.
- Discount for Low Mileage – Keeping the miles down on your Suzuki could qualify for cheaper premium rates.
- Claim Free – Insureds who avoid accidents and claims get the best insurance rates as compared to accident-prone drivers.
- Bundle and Save – If you insure your home and vehicles and insure them with the same company you may earn at least 10% off all policies.
- Paperless Signup – Many insurance companies will give a small break simply for signing on your computer.
- Home Ownership Discount – Just being a homeowner can save a few bucks because of the fact that having a home requires a higher level of personal finance.
- Multi-car Discount – Buying a policy with several vehicles with one company could earn a price break for each car.
- Student Discount for Driver Training – Have your child participate in a local driver’s education class if it’s offered in school.
- Telematics Data Discounts – Insureds who allow their insurance company to track vehicle usage by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if they are good drivers.
Policy discounts save money, but some of the credits will not apply to all coverage premiums. The majority will only reduce individual premiums such as medical payments or collision. Just because you may think all those discounts means the company will pay you, nobody gets a free ride.
The example below shows the comparison of Suzuki Grand Vitara annual premium costs with and without discounts applied to the premium. The price estimates are based on a male driver, no claims, a clean driving record, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, homeowner, multi-car, claim-free, and multi-policy discounts applied.
Some companies who may offer these discounts are:
Before buying, ask all companies you are considering which discounts can lower your rates. Some discounts may not apply to policyholders in your area. To locate companies who offer cheap Suzuki Grand Vitara insurance quotes in California, click here to view.
Why Your Insurance Premiums might be higher
The best way to find cheaper insurance is to take a look at the different types of things that go into determining the level of your policy premiums. When you know what positively or negatively impacts premium levels, this allows you to make good choices that could result in lower rates.
The items below are some of the factors companies use to determine your premiums.
Reduce insurance rates by driving vehicles with better crash test results – Vehicles that have high safety ratings can get you lower premiums. These vehicles result in less severe injuries and any reduction in injury severity means less claims paid and more competitive rates for policyholders. If the Suzuki Grand Vitara scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
Teen drivers pay more – Beginning drivers in California are proven to be careless and easily distracted in a vehicle so they pay higher insurance rates. Adding a first-time driver onto your insurance can be very expensive. More experienced drivers are more responsible, statistically cause fewer accidents, and are generally more financially stable.
The next chart uses these assumptions: single driver, full coverage with $500 deductibles, and no discounts or violations.
Rate your vehicle for proper use – Driving a lot of miles every year the more you’ll pay to insure your vehicle. Almost all companies charge rates partially by how you use the vehicle. Cars and trucks that are left in the garage can be on a lower rate level than vehicles that are driven to work every day. An improperly rated Grand Vitara is just wasting money. Ask your agent if your vehicle rating is rated on the right rating data.
Premiums and vocation – Did you know your job can affect your rates? Careers such as military generals, airline pilots, and miners tend to pay higher rates than average attributed to stressful work requirements and incredibly demanding work hours. Conversely, careers like professors, engineers and retirees get better rates.
Do I just need basic coverages?
When choosing the best car insurance coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s and your policy should reflect that.
For example, these questions might help in determining whether or not you might need professional guidance.
- Do I need rental car coverage?
- What is an adequate liability insurance limit?
- What is GAP insurance?
- Can my babysitter drive my car?
- How do I file an SR-22 for a DUI in California?
- What is covered by UM/UIM coverage?
- What if a claim settlement is too low?
- Am I covered when driving on a suspended license?
- Where can I get insurance after a DUI in California?
- How does medical payments coverage work?
If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.
When to get advice from an agent
Some consumers still like to buy from a local agent and doing that can be a smart decision One of the benefits of getting online price quotes is that drivers can save money and get lower rates and still buy from a local agent.
Once you complete this form (opens in new window), your coverage information gets sent to local insurance agents that can provide free Fresno car insurance quotes for your insurance coverage. There is no reason to do any legwork since rate quotes are delivered to you. You’ll get the best rates without requiring a lot of work. If you need to compare prices from a particular provider, you would need to search and find their rate quote page and fill out the quote form the provide.
Finding the right company requires you to look at more than just a cheap quote. Any agent in Fresno should have no problem answering these questions:
- Can you choose the body shop in case repairs are needed?
- Will you get a loaner vehicle if you car is being repaired?
- If you have an accident, will your rates go up?
- Do they have designations such as AIC, CPCU, or CIC?
- Do they review policy coverages at every renewal?
- What insurance companies do they recommend if they are an independent agent?
Is an exclusive or independent auto insurance agent right for you?
If you’re trying to find a reliable agent, there are two types of insurance agents from which to choose. Car insurance agents in Fresno can be categorized as either independent or exclusive.
Exclusive Insurance Agents
These agents can only provide one company’s prices such as Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agencies are unable to compare other company’s rates so they have to upsell other benefits. These agents receive a lot of sales training in insurance sales and that can be a competitive advantage. A lot of people use the same agent mainly due to loyalty to the company rather than having low rates.
Listed below are exclusive insurance agents in Fresno who may provide you with price quotes.
- Farmers Insurance – Jagdeep Singh
4185 W Figarden Dr #101 – Fresno, CA 93722 – (559) 527-5530 – View Map - Steve Bezzerides – State Farm Insurance Agent
4270 N Blackstone Ave #201 – Fresno, CA 93726 – (559) 222-5278 – View Map - Kurt Sieve – State Farm Insurance Agent
1177 N Willow Ave Suite 102 – Clovis, CA 93611 – (559) 900-7908 – View Map
Independent Agencies or Brokers
These type of agents do not have single company limitations and that allows them to write policies through many companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, an independent agent can move your coverage and you can keep the same agent. If you are comparing rate quotes, we highly recommend that you compare quotes from a few independent agents to have the best price comparison. Most can insure with less well-known companies which may provide better rates.
Shown below is a short list of independent insurance agencies in Fresno that can give you comparison quotes.
- New Horizon Insurance Services- Fresno
7543 N Ingram Ave #105 – Fresno, CA 93711 – (559) 244-6644 – View Map - Mc Carty Insurance Inc: Mc Carty Chad R
1625 Shaw Ave # 111 – Fresno, CA 93710 – (559) 324-1421 – View Map - Walter L. Clark and Associates, Inc.
7673 N Ingram Ave #103 – Fresno, CA 93711 – (559) 222-0300 – View Map
How to find a good Fresno car insurance company
Picking a high-quality insurer can be rather challenging considering how many companies there are in Fresno. The ranking data listed below can help you choose which auto insurance companies to look at to insure your vehicles.
Top 10 Fresno Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Top 10 Fresno Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
Persistence is the key to cheaper rates
When getting Fresno car insurance quotes online, make sure you don’t buy less coverage just to save a little money. There are a lot of situations where drivers have reduced uninsured motorist or liability limits only to discover later that they should have had better coverage. Your goal is to find the BEST coverage at the lowest possible cost, but do not skimp to save money.
Affordable Suzuki Grand Vitara insurance in Fresno is definitely available both online and with local Fresno insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some companies may not provide rates over the internet and most of the time these smaller providers only sell coverage through independent agents.
More detailed auto insurance information can be read in the articles below:
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Who Has the Cheapest Fresno Car Insurance Rates for Uber Drivers? (FAQ)
- How Much are Auto Insurance Quotes for Uninsured Drivers in Fresno? (FAQ)
- What is Covered by GAP Insurance? (Allstate)
- Auto Crash Statistics (Insurance Information Institute)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Five Mistakes to Avoid (Insurance Information Institute)