Affordable Suzuki Grand Vitara Insurance in Durham

It’s a fact that insurance companies don’t want policyholders to shop around. Drivers who compare other rates are likely to buy a new policy because the odds are good of finding a lower-priced policy. A recent survey discovered that people who regularly shopped around saved $850 each year as compared to drivers who never shopped around for better prices.

If finding the lowest price on car insurance in Durham is your ultimate target, then having some insight into the best ways to shop for car insurance can save time and money.

Insurance rates Suzuki Grand Vitara in DurhamIf your goal is the lowest price, then the best way to get discount Suzuki Grand Vitara insurance is to start doing a yearly price comparison from providers who provide auto insurance in Durham. You can compare prices by completing these steps.

A key point to remember is that you use identical deductibles and limits on every price quote and and to analyze all possible companies. This helps ensure a fair price comparison and and a good selection of different prices.

Buy Durham Suzuki Grand Vitara insurance online

The providers in the list below have been selected to offer quotes in North Carolina. To get the cheapest car insurance in Durham, NC, we recommend you visit two to three different companies to get the most competitive price.

Rates and data analysis

The premium table shown next covers a range of policy rates for Suzuki Grand Vitara models. Understanding more about how auto insurance prices are figured is important for making decisions when shopping around.

Suzuki Grand Vitara Insurance Rates in Durham, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $116 $200 $282 $16 $84 $698 $58
Grand Vitara Premium 2WD $116 $236 $282 $16 $84 $734 $61
Grand Vitara Premium 4WD $116 $236 $282 $16 $84 $734 $61
Grand Vitara Limited 2WD $116 $236 $282 $16 $84 $734 $61
Grand Vitara Special Edition 4WD $116 $236 $282 $16 $84 $734 $61
Grand Vitara XSport 2WD $116 $236 $282 $16 $84 $734 $61
Grand Vitara Limited 4WD $128 $236 $282 $16 $84 $746 $62
Grand Vitara XSport 4WD $128 $236 $282 $16 $84 $746 $62
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Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Estimates do not factor in specific garaging location which can revise premium rates noticeably.

Physical damage deductible comparison

When buying auto insurance, a common question is at what level do you set your deductibles. The data tables below can help illustrate the differences in price between low and high comp and collision deductibles. The first price estimate table uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.

Suzuki Grand Vitara insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $218 $324 $250 $14 $74 $905 $75
Grand Vitara Premium 2WD $218 $382 $250 $14 $74 $963 $80
Grand Vitara Premium 4WD $218 $382 $250 $14 $74 $963 $80
Grand Vitara Limited 2WD $218 $382 $250 $14 $74 $963 $80
Grand Vitara Special Edition 4WD $218 $382 $250 $14 $74 $963 $80
Grand Vitara XSport 2WD $218 $382 $250 $14 $74 $963 $80
Grand Vitara Limited 4WD $242 $382 $250 $14 $74 $987 $82
Grand Vitara XSport 4WD $242 $382 $250 $14 $74 $987 $82
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Suzuki Grand Vitara insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $134 $204 $250 $14 $74 $676 $56
Grand Vitara Premium 2WD $134 $240 $250 $14 $74 $712 $59
Grand Vitara Premium 4WD $134 $240 $250 $14 $74 $712 $59
Grand Vitara Limited 2WD $134 $240 $250 $14 $74 $712 $59
Grand Vitara Special Edition 4WD $134 $240 $250 $14 $74 $712 $59
Grand Vitara XSport 2WD $134 $240 $250 $14 $74 $712 $59
Grand Vitara Limited 4WD $150 $240 $250 $14 $74 $728 $61
Grand Vitara XSport 4WD $150 $240 $250 $14 $74 $728 $61
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in specific location which can alter price quotes significantly.

Based on this data, using a $250 deductible will cost in the ballpark of $21 more each month or $252 every year averaged for all Grand Vitara models than requesting the higher $1,000 deductible. Since you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you go more than 36 months between claims, you would probably come out ahead if you opt for a higher deductible.

Full coverage rates vs. liability-only

The example below illustrates the difference between Suzuki Grand Vitara car insurance rates when comparing full coverage to state minimum liability only. The information is based on no claims or violations, $1,000 deductibles, single status, and no discounts are factored in.

When to stop buying comprehensive and collision coverage

There is no specific rule to eliminate physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is about 10% or more of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let’s say your Suzuki Grand Vitara book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $2,000 after paying your deductible. If you are paying in excess of $200 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are some cases where eliminating full coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.

It may be expensive, but it’s not optional

Despite the high cost, paying for insurance is required in North Carolina but it also protects you in many ways.

The benefits of buying insurance are definitely more than the cost, particularly for liability claims. According to a 2015 survey, the average American driver is currently overpaying as much as $820 a year so compare rates at every policy renewal to ensure rates are competitive.

Do you qualify for discounts on Suzuki Grand Vitara insurance in Durham?

The cost of insuring your cars can be expensive, but there could be available discounts that many consumers don’t even know exist. Certain reductions will be credited when you get a quote, but some need to be specifically requested before you get the savings.Cheaper insurance with discounts

You should keep in mind that many deductions do not apply to the whole policy. Most only apply to specific coverage prices like collision or personal injury protection. So when the math indicates you could get a free insurance policy, that’s just not realistic. Any amount of discount will help reduce the premium cost.

The diagram below illustrates the difference between Suzuki Grand Vitara car insurance rates with and without policy discounts. The premiums are based on a male driver, no claims or driving violations, North Carolina state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, homeowner, safe-driver, multi-car, and marriage discounts applied.

If you would like to see a list of insurers with discount rates in Durham, click this link.

Are insurance agencies obsolete?

Many drivers just want to get advice from a local agent. Professional insurance agents will help you protect your assets and help you file claims. One of the benefits of getting free rate quotes online is that you can obtain better rates and still buy from a local agent. And providing support for local insurance agents is important particularly in Durham.

Insurance agents in DurhamAfter completing this short form, the coverage information is submitted to companies in Durham who will return price quotes to get your business. You don’t have to find an agent since price quotes are sent directly to you. If you have a need to get a price quote from a particular provider, feel free to search and find their rate quote page and fill out their quote form.

Picking an company needs to be determined by more than just the premium amount. You should also get answers to these questions.

Once you have received reasonable responses to any questions you may have and an acceptable price quote, chances are good that you have found an insurer that will adequately provide auto insurance. Just be aware that it’s your policy and you can cancel coverage at any time so don’t think that you’re stuck with any specific company with no way to switch.

Car insurance company ratings

Choosing the best auto insurance provider can be challenging considering how many different companies there are to choose from in Durham. The information listed below may help you select which coverage providers you want to consider when comparing rate quotes.

Best Car Insurance Companies in Durham
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

Your situation helps dictate your coverage

Keep in mind that when it comes to choosing adequate coverage for your vehicles, there is no single plan that fits everyone. Your situation is unique.Insurance savings

For instance, these questions might point out whether your personal situation might need an agent’s assistance.

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and may give you better protection.

Car insurance policy coverages for a Suzuki Grand Vitara

Understanding the coverages of car insurance helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for bills such as surgery, rehabilitation expenses and chiropractic care. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive car insurance

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from getting keyed, vandalism, hitting a bird, hail damage and fire damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many North Carolina drivers only carry the minimum required liability limits (which is 30/60/25), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Usually these coverages are identical to your policy’s liability coverage.

Collision insurance

Collision coverage will pay to fix damage to your Grand Vitara caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as scraping a guard rail, backing into a parked car, colliding with another moving vehicle and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to increase the deductible on your Grand Vitara to bring the cost down.

Liability insurance

Liability coverage can cover damage or injury you incur to a person or their property in an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits 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 property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as medical services, loss of income, attorney fees, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but buy as large an amount as possible. North Carolina requires minimum liability limits of 30/60/25 but you should think about purchasing more liability than the minimum.

The chart below shows why the minimum limit may not provide adequate coverage.

One last note

We just presented many ways to find lower-cost Suzuki Grand Vitara insurance in Durham. The most important thing to understand is the more providers you compare, the better your comparison will be. Consumers could even find that the lowest priced auto insurance comes from a small mutual company.

Consumers change insurance companies for a number of reasons such as being labeled a high risk driver, lack of trust in their agent, policy cancellation and policy non-renewal. No matter why you want to switch, switching companies can be easier than you think.

While you’re price shopping online, it’s very important that you do not reduce coverage to reduce premium. Too many times, consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

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