2007 Suzuki XL7 Car Insurance Cost

Trying to find low-cost insurance for a Suzuki XL7 can normally be a painful process, but you can learn a few tricks and make it easy.

There are both good and bad ways to compare insurance coverage rates and you need to know the absolute fastest way to compare rates for a new or used Suzuki and obtain the best price possible either online or from local insurance agents.

Smart consumers take time to take a look at other company’s rates periodically because insurance rates change frequently. Just because you had the best rate for XL7 insurance a couple years back you can probably find a lower rate today. Forget anything you know (or think you know) about insurance coverage because you’re about to find out how to quote online to reduce your cost while improving coverage.

Are you getting every discount?

Some providers don’t list their entire list of discounts in a way that’s easy to find, so we took the time to find both well-publicized and the more hidden discounts that you may qualify for.

• Distant College Student Discount – Children who live away from home to go to college and do not have access to a covered vehicle can be insured at a reduced rate.
• Home Ownership Discount – Just owning your own home can help you save on insurance coverage because of the fact that having a home requires personal responsibility.
• Anti-lock Brake System – Vehicles with anti-lock braking systems have fewer accidents and will save you 10% or more.
• Discount for Passive Restraints – Factory air bags may qualify for discounts of 20 to 30 percent.
• Use Seat Belts – Drivers who require all occupants to use their safety belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• Defensive Driver – Taking part in a driver safety class is a good idea and can lower rates and also improve your driving technique.
• Accident Forgiveness – Not a discount per se, but certain companies will allow you to have one accident before your rates go up if your claims history is clear for a specific time period.
• Good Driver Discount – Drivers without accidents can get discounts for up to 45% lower rates for XL7 insurance than their less cautious counterparts.
• Claim-Free Discount – Claim-free drivers get the best insurance coverage rates when compared with frequent claim filers.
• Active Military Service – Being on active duty in the military could mean lower premium rates.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. Most only cut individual premiums such as comp or med pay. Despite the appearance that it’s possible to get free car insurance, it’s just not the way it works.

Larger insurance coverage companies and a selection of discounts are shown below.

• Progressive may have discounts that include multi-vehicle, online signing, homeowner, good student, online quote discount, multi-policy, and continuous coverage.
• Geico offers discounts for daytime running lights, multi-policy, seat belt use, federal employee, anti-lock brakes, driver training, and defensive driver.
• State Farm offers premium reductions for Steer Clear safe driver discount, anti-theft, multiple policy, driver’s education, Drive Safe & Save, multiple autos, and good student.
• Esurance discounts include claim free, paid-in-full, multi-policy, Switch & Save, online shopper, and good student.
• The Hartford policyholders can earn discounts including vehicle fuel type, defensive driver, driver training, anti-theft, and air bag.

When comparing rates, check with each company or agent to apply every possible discount. Some discounts listed above may not apply to policies in your area. To see a list of insurers that offer the discounts shown above, click this link.

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Which insurance coverage is cheapest?

Comparing insurance coverage rates can take hours if you don’t understand the most efficient way. You can waste a few hours (or days) talking about coverages with local insurance agents in your area, or you could save time and use the web to get rate comparisons in just a few minutes.

Most major companies belong to an insurance system where prospective buyers submit one quote, and each company then gives them pricing based on that data. This eliminates the need for quote forms for each company you want a rate for.

To compare pricing click here (opens in new window).

The only drawback to doing it this way is you can’t choose which carriers you want to price. If you wish to select specific providers for rate comparison, we have assembled a list of the cheapest insurance coverage companies in your area. View list of insurance companies.

Whichever way you choose to compare rates, try to keep equivalent coverages and limits for each price quote. If you have different data you will not be able to make a fair rate comparison.

Suzuki XL7 insurance cost factors

Many things are taken into consideration when premium rates are determined. Some are pretty understandable like an MVR report, but other factors are more transparent such as whether you are married or how safe your car is.

• Too many insurance claims and you’ll pay more – Companies give the lowest premiums to insureds who are not frequent claim filers. If you file a lot of claims you can look forward to either a policy non-renewal or much higher rates. Your car insurance is intended to be relied upon for major claims that would cause financial hardship.
• Your age impacts your premiums – Drivers with little experience are statistically shown to be less responsible in a vehicle and because of this, their insurance rates are much higher. If you’ve ever had to add a youthful driver to your policy can break the bank. Older drivers tend to be more responsible, are lower risk to insure and are safer drivers.
• Save money by having high credit – Having a bad credit score can be an important factor in determining premium rates. People with excellent credit tend to file fewer claims than drivers who have bad credit. Therefore, if your credit rating is low, you could save money insuring your 2007 Suzuki XL7 if you improve your credit rating.
• Lower stress equals lower insurance rates – Occupations like fire fighters, architects and emergency personnel usually pay the highest average rates in part from intense work situations and extremely grueling work hours. Conversely, occupations like actors, engineers and retirees generally pay rates lower than average for XL7 insurance.
• Drive less and save – The higher the miles on your Suzuki in a year’s time the higher your rate. Most companies charge to insure your cars based upon how the vehicle is primarily used. Cars and trucks that have low annual miles cost less to insure than cars that get driven a lot. A policy that improperly rates your XL7 can result in significantly higher rates. Make sure your insurance policy properly reflects the proper vehicle usage.
• Where you reside plays a part – Being located in less populated areas of the country can be a good thing when shopping for auto insurance. Urban drivers tend to have more auto accidents and higher rates of accident claims. Fewer drivers and short commutes translates into fewer accidents and a lower car theft rate.
• Being married pays dividends – Having a spouse can actually save you money compared to being single. Having a significant other translates into being more mature and it’s proven that drivers who are married file infrequent claims.
• Physical damage deductibles – Physical damage deductibles represent how much money the insured will be required to pay if a claim is determined to be covered. Insurance for physical damage, also called ‘full coverage’, insures against damage to your car. Some instances where coverage would apply would be a windshield broken by a bird, collision with a deer, and damage from wind. The more expense you are required to pay out-of-pocket, the less money you will pay for insurance for XL7 insurance.

When in doubt talk to an agent

When it comes to choosing adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

These are some specific questions can help discover whether or not you would benefit from an agent’s advice.

• Am I covered if I drive in a foreign country?
• How much liability do I need to cover my assets?
• Does my policy cover me when driving someone else’s vehicle?
• Do I need PIP (personal injury protection) coverage in my state?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Do I need more liability coverage?
• When should I buy a commercial auto policy?
• Does my policy cover my teen driver if they drive my company car?
• Is other people’s property covered if stolen from my vehicle?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

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Auto insurance coverages

Understanding the coverages of your car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive protection

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a bird, hitting a deer, rock chips in glass and damage from getting keyed. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverage

This provides protection from damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage pays for things such as loss of income, medical services, legal defense fees, repair bills for other people’s vehicles and bail bonds. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as funeral costs, EMT expenses and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Uninsured or underinsured coverage

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Suzuki XL7.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Frequently the UM/UIM limits are set the same as your liablity limits.

Collision insurance

Collision coverage pays for damage to your XL7 resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like rolling your car, backing into a parked car, colliding with another moving vehicle, sustaining damage from a pot hole and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Shop around and save

We just covered a lot of tips how to reduce 2007 Suzuki XL7 insurance premium rates online. The most important thing to understand is the more companies you get prices for, the higher the chance of saving money. Consumers may even find the most savings is with the least-expected company.

Insureds change insurance companies for many reasons like questionable increases in premium, not issuing a premium refund, policy cancellation or even delays in paying claims. It doesn’t matter why you want to switch switching companies is not as hard as you think.

There are still a few companies who do not provide rates over the internet and usually these smaller companies prefer to sell through local independent agents. Cheap 2007 Suzuki XL7 insurance is definitely available from both online companies in addition to local insurance agencies, and you should be comparing both to have the best selection.

Additional auto insurance information can be found at these links:

• Should I Buy a New or Used Car? (Allstate)
• Anti-Lock Brake FAQ (iihs.org)
• Older Drivers FAQ (iihs.org)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Auto Insurance FAQ (Farmers Insurance)

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