Cheapest 1999 Suzuki Vitara Insurance Rates in 2024

Have you fallen victim to an overpriced insurance coverage policy? Believe me when I say many consumers feel financially strained by their insurance coverage policy. Numerous insurers battle to insure your vehicles, so it’s not easy to compare every insurer to find the best rates possible.

If you have insurance now or are shopping for new coverage, you can learn to shop for the lowest rates and still get good coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Consumers only need to know the tricks to buy car insurance over the internet.

Comprehensive Insurance Comparison

Performing a rate comparison can be exhausting if you don’t know the most efficient way to do it. You can waste hours driving to insurance companies in your area, or you can stay home and use online quoting to accomplish the same thing much quicker.

Many popular insurance companies participate in a marketplace where prospective buyers enter their policy data once, and each company then returns a price quote based on that data. This prevents consumers from doing quotation requests for every insurance company.

To compare 1999 Suzuki Vitara rates now click here (opens in new window).

The only drawback to using this type of system is that consumers can’t choose the insurers you want pricing from. So if you want to choose specific providers to receive pricing from, we have a listing of the cheapest insurance companies in your area. Click here to view list.

However you get your quotes, be sure to compare exactly the same coverage limits for each comparison quote. If the quotes have differing limits it will be next to impossible to truly determine the lowest rate.

Lots of discounts mean lots of savings

Insuring your vehicles can cost a lot, but you can get discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time you complete a quote, but some must be asked about in order for you to get them. If they aren’t giving you every credit possible, you are paying more than you should be.

• Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
• Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can get savings of more than 20%.
• Club Memberships – Participating in a qualifying organization could qualify you for a break on your policy for Vitara coverage.
• College Student – Children who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
• Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you may earn at least 10% off all policies.
• Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
• One Accident Forgiven – A few companies will forgive one accident before your rates go up if you are claim-free prior to the accident.
• Student Driver Training – Have your child enroll in driver’s education if offered at their school.
• Low Mileage Discounts – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
• Paperless Signup – A few companies will discount your bill up to fifty bucks just for signing your application on their website.

A little note about advertised discounts, some of the credits will not apply the whole policy. Most only cut specific coverage prices like collision or personal injury protection. Just because you may think it’s possible to get free car insurance, you won’t be that lucky. But any discount will reduce your premiums.

For a list of companies offering car insurance discounts, click this link.

Situations that might require an agent

When buying adequate coverage, there is no “best” method to buy coverage. Every insured’s situation is different so your insurance needs to address that. For instance, these questions could help you determine if your insurance needs will benefit from professional help.

• What is an SR-22 filing?
• When can I cancel my policy?
• Do I have newly-acquired coverage?
• When should I not file a claim?
• What should my uninsured motorist coverage limits be in my state?
• Is other people’s property covered if stolen from my vehicle?
• Do I have coverage for damage caused while driving under the influence?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

The coverage is in the details

Learning about specific coverages of your policy helps when choosing the best coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages available from auto insurance companies.

Liability coverages

Liability coverage protects you from damage that occurs to other’s property or people in an accident. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like funeral expenses, medical services, bail bonds and attorney fees. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Collision protection

This covers damage to your Vitara caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a parking meter, rolling your car, backing into a parked car, driving through your garage door and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hitting a deer, damage from getting keyed and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like EMT expenses, ambulance fees, surgery and X-ray expenses. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 1999 Suzuki Vitara.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.