Amazingly, most drivers have been with the same company for a minimum of four years, and nearly the majority have never taken the time to shop around. Mesa drivers could cut their rates by roughly $733 a year by just comparing quotes, but most undervalue how much money they would save if they switch to a new company.
If you want to save the most money, the best way to get cheaper Suzuki Grand Vitara insurance in Mesa is to compare quotes annually from insurers who provide car insurance in Arizona. Drivers can shop around by following these steps.
- First, spend a few minutes and learn about how companies price auto insurance and the changes you can make to keep rates low. Many factors that result in higher prices like your driving record and a low credit rating can be eliminated by making minor changes to your lifestyle.
- Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like Progressive or Farmers Insurance, while independent agencies can provide prices from multiple companies.
- Third, compare the new rate quotes to the premium of your current policy and determine if cheaper Grand Vitara coverage is available in Mesa. If you can save money and switch companies, make sure there is no lapse in coverage.
- Fourth, give notification to your agent or company to cancel your current policy. Submit a completed application and payment to your new agent or company. Once received, place the new certificate verifying coverage along with your vehicle registration.
A key point to remember is that you use the same deductibles and limits on each quote request and and to get quotes from as many companies as possible. Doing this guarantees an apples-to-apples comparison and a good representation of prices.
Locating the best rates in Mesa is quite easy. If you are already insured or just want cheaper coverage, use these cost-cutting techniques to reduce premiums without reducing coverage. Consumers only need an understanding of the least time-consuming way to quote multiple rates over the internet.
Best companies for affordable Suzuki Grand Vitara insurance in Arizona
The auto insurance companies shown below offer price quotes in Arizona. To buy cheap auto insurance in Mesa, it’s a good idea that you compare several of them to get a more complete price comparison.
Suzuki Grand Vitara coverage statistics
The information displayed next covers a range of insurance coverage prices for Suzuki Grand Vitara models. Having a better idea how insurance quotes are calculated helps drivers make informed coverage decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Grand Vitara 2WD||$204||$356||$390||$24||$116||$1,090||$91|
|Grand Vitara Premium 2WD||$204||$420||$390||$24||$116||$1,154||$96|
|Grand Vitara Premium 4WD||$204||$420||$390||$24||$116||$1,154||$96|
|Grand Vitara Limited 2WD||$204||$420||$390||$24||$116||$1,154||$96|
|Grand Vitara Special Edition 4WD||$204||$420||$390||$24||$116||$1,154||$96|
|Grand Vitara XSport 2WD||$204||$420||$390||$24||$116||$1,154||$96|
|Grand Vitara Limited 4WD||$228||$420||$390||$24||$116||$1,178||$98|
|Grand Vitara XSport 4WD||$228||$420||$390||$24||$116||$1,178||$98|
|Get Your Own Custom Quote Go|
Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in specific garaging location which can raise or lower premiums greatly.
Full coverage versus liability-only
The information below shows the difference between Suzuki Grand Vitara auto insurance rates when comparing full coverage to state minimum liability only. The data assumes no claims, a clean driving record, $100 deductibles, single status, and no discounts are taken into consideration.
Are you wasting money paying for full coverage?
There is no exact formula of when to phase out comp and collision coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is 10% or more of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.
For example, let’s say your Suzuki Grand Vitara claim settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $2,000 after the policy deductible has been paid. If you are paying in excess of $200 annually for comprehensive and collision coverage, then you might consider buying liability only.
There are some cases where dropping full coverage is not a good plan. If you still have a loan on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should maintain full coverage.
Discounts mean cheaper rates for Suzuki Grand Vitara insurance in Mesa
Some insurance providers don’t list all possible discounts in an easy-to-find place, so the list below gives a summary of both well-publicized and also the more inconspicuous discounts you could be receiving when you buy Mesa car insurance online.
- Theft Deterrent Discount – Anti-theft and alarm system equipped vehicles prevent vehicle theft and qualify for as much as a 10% discount.
- Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you can avoid monthly service charges.
- Safety Course Discount – Taking part in a defensive driving class is a good idea and can lower rates if you qualify.
- Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts of 25 to 30%.
- No Claims – Claim-free drivers can earn big discounts when compared to frequent claim filers.
- Multiple Policy Discount – If you insure your home and vehicles with the same company you could earn a discount of at least 10% off all policies.
- Discount for New Cars – Buying a new car model can save you some money because newer models have to meet stringent safety requirements.
- Seat Belt Discounts – Requiring all passengers to buckle up can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
- Professional Memberships – Participating in qualifying clubs or civic groups could qualify you for a break when getting a Mesa car insurance quote.
Policy discounts save money, but most discount credits are not given to the whole policy. Some only apply to the cost of specific coverages such as comp or med pay. If you do the math and it seems like adding up those discounts means a free policy, it doesn’t quite work that way.
The chart below visualizes the comparison of Suzuki Grand Vitara car insurance costs with and without discounts applied. The information is based on a male driver, no claims or driving citations, Arizona 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, safe-driver, homeowner, multi-policy, claim-free, and marriage discounts applied.
To see providers that provide some of the discounts listed above in Mesa, follow this link.
When should I talk to an agent?
Certain consumers still like to talk to an insurance agent and that is just fine! Experienced insurance agents are trained to spot inefficiencies and help file insurance claims. One of the benefits of getting online price quotes is you may find lower rates and also buy local.
Once you complete this quick form, the quote information is submitted to local insurance agents in Mesa that can provide free Mesa car insurance quotes for your auto insurance coverage. You never need to do any legwork since price quotes are sent to the email address you provide. If you need to compare rates from a particular provider, you would need to go to their quote page and complete a quote there.
Picking an provider should depend on more than just a low price. The questions below may impact your decision as well.
- Do they prorate repair cost based on vehicle mileage?
- Do you need full coverage on every vehicle?
- How long have they worked with personal auto insurance coverage?
- Will a damage claim use OEM or aftermarket replacement parts?
- Are they in the agency full-time?
If you are wanting to purchase auto insurance from a good insurance agency, it’s important to understand the types of insurance agents that differ in how they can insure your vehicles. Insurance agencies in Mesa are categorized either exclusive or independent (non-exclusive). Both can handle auto insurance, but it is important to understand the differences because it can influence the type of agent you choose.
Agents of this type write business for a single company such as Farmers Insurance and State Farm. They are unable to place coverage with different providers so you need to shop around if the rates are high. Exclusive agencies are highly trained on what they offer which helps overcome the inability to quote other rates. Some consumers prefer to use the same exclusive agent partially due to high brand loyalty rather than low rates.
Listed below is a short list of exclusive insurance agencies in Mesa that can give you price quotes.
- Scott Urry – State Farm Insurance Agent
5524 E Baseline Rd – Mesa, AZ 85206 – (480) 969-9155 – View Map
- Ed Clark – State Farm Insurance Agent
3035 S Ellsworth Rd #112 – Mesa, AZ 85212 – (480) 832-3878 – View Map
- Pete Evans – State Farm Insurance Agent
5616 E McKellips Rd #105 – Mesa, AZ 85215 – (480) 985-1952 – View Map
Agents that elect to be independent can quote rates with many companies so they have the ability to put coverage with lots of companies and get you the best rates possible. If they find a lower price, they can switch companies in-house which requires no work on your part. When comparing auto insurance rates, it’s a good idea to include rate quotes from several independent insurance agents to maximize your price options. Most independent agents also contract with additional companies that you may not be familiar with that can offer cheaper rates than bigger companies.
The following is a short list of independent insurance agents in Mesa that can give you price quote information.
- Diamond Insurance Agency
1933 W Main St # 5 – Mesa, AZ 85201 – (480) 668-4944 – View Map
- Jarosch Insurance
2815 S Alma School Rd #111 – Mesa, AZ 85210 – (480) 839-8488 – View Map
- Wong Insurance Agency LLC dba GlobalGreen Insurance Agency of Mesa
66 S Dobson Rd # 131 – Mesa, AZ 85202 – (602) 758-1672 – View Map
Coverages available on your policy
Learning about specific coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.
Collision – This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims like hitting a parking meter, driving through your garage door, backing into a parked car, colliding with a tree and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible on your Grand Vitara to bring the cost down.
Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like rehabilitation expenses, ambulance fees, X-ray expenses and nursing services. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage
Liability – This provides protection from damage that occurs to other’s property or people. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 15/30/10 that means you have a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and $10,000 of coverage for damaged property.
Liability insurance covers things like medical services, legal defense fees, repair costs for stationary objects and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford. Arizona state minimum liability requirements are 15/30/10 but it’s recommended drivers buy more coverage.
The next chart demonstrates why minimum state limits may not provide you with enough coverage.
Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Suzuki Grand Vitara.
Because many people carry very low liability coverage limits (15/30/10), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.
Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like a tree branch falling on your vehicle, hitting a bird, rock chips in glass, damage from getting keyed and damage from flooding. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
One last thing to lower rates
As you go through the steps to switch your coverage, do not buy less coverage just to save a little money. In many cases, an insured cut liability limits or collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.
You just learned many tips how you can reduce Suzuki Grand Vitara insurance premium rates online in Mesa. The key thing to remember is the more times you quote, the better your chances of lowering your prices. Drivers may even discover the best price on car insurance is with some of the lesser-known companies.
Cheaper car insurance in Mesa can be bought online and from local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who may not provide price quotes online and many times these small, regional companies only sell through independent agents.
To learn more, feel free to browse the articles below:
- Safety Features for Your New Car (State Farm)
- What Car Insurance is Cheapest for a Jeep Grand Cherokee in Mesa? (FAQ)
- What Auto Insurance is Cheapest for a Dodge Ram in Mesa? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Drivers with Accidents in Mesa? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Good Students in Mesa? (FAQ)
- Drunk Driving Statistics (Insurance Information Institute)
- What is Gap Insurance? (Insurance Information Institute)