2004 Suzuki XL7 Car Insurance Rates – 8 Tricks for Best Quotes

Are you drained from robbing Peter to pay Paul to pay high insurance coverage rates every month? You are no different than many other consumers. Companies like Allstate, Liberty Mutual and State Farm all claim big savings with ad campaigns and it is challenging if not impossible to not get sucked in by the cute commercials and take the time to shop coverage around.

Consumers need to compare prices at least once a year because insurance rates are variable and change quite frequently. Even if you think you had the best deal on XL7 coverage a year ago the chances are good that you can find a lower price today. Don’t believe everything you read about insurance coverage online but in a few minutes you can learn some great ideas on how to put money back in your pocket.

Car insurance quotes comparison

There are a lot of ways you can shop for car insurance but one way is more efficient than others. You can waste a lot of time talking to agents in your area, or you could use online quoting to maximize your effort.

Most major companies are enrolled in a marketplace that enables customers to submit one quote, and every company then gives them pricing based on that data. This saves time by eliminating form submissions to each individual car insurance company.

To submit your quote information now, click here to open in new window.

The one disadvantage to doing it this way is that consumers can’t choose the companies you will receive quotes from. So if you want to choose specific insurance companies to compare prices, we put together a list of the cheapest car insurance companies in your area. View list of insurance companies.

Whichever way you use, make absolute certain that you use exactly the same quote information on every quote. If you are comparing different deductibles it will be very difficult to find the best deal for your Suzuki XL7.

Cheap insurance rates with discounts

Insurance is not cheap nor is it fun to buy but you may qualify for discounts to help offset the cost. Larger premium reductions will be automatically applied at the time of quoting, but less common discounts must be specially asked for in order for you to get them. If you check and find you aren’t receiving every discount you qualify for, you are just wasting money.

• New Car Discount – Insuring a vehicle that is new can get you a discount because new model year vehicles keep occupants safer.
• Paperwork-free – Many larger companies will give you a small discount get insurance coverage on your computer.
• Discount for Multiple Policies – When you have multiple policies with one company you may earn at least 10 to 15 percent or more.
• Early Switch Discount – Some insurance companies give discounts for switching to them prior to your current policy expiring. You may see this discount when you get insurance coverage quotes online.
• Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
• Accident Free – Drivers who don’t have accidents can earn big discounts when compared with drivers who are more careless.
• Drivers Education – Teen drivers should sucessfully take a drivers education course in school.
• Good Student Discount – Being a good student can be rewarded with saving of up to 25%. You can use this discount normally up until you turn 25.

As a footnote on discounts, most discounts do not apply the the whole policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, insurance companies wouldn’t stay in business.

A list of companies and a selection of discounts can be read below.

• Progressive includes discounts for homeowner, online signing, multi-policy, continuous coverage, online quote discount, and multi-vehicle.
• MetLife offers premium reductions for claim-free, good driver, good student, defensive driver, and multi-policy.
• Mercury Insurance policyholders can earn discounts including multi-car, ease of repair, age of vehicle, annual mileage, accident-free, and anti-theft.
• Nationwide may have discounts that include multi-policy, defensive driving, Farm Bureau membership, anti-theft, family plan, good student, and business or organization.
• Geico discounts include multi-vehicle, seat belt use, good student, military active duty, daytime running lights, and multi-policy.
• AAA may offer discounts for multi-policy, multi-car, education and occupation, anti-theft, AAA membership discount, good student, and pay-in-full.

When comparing rates, check with every insurance company to give you their best rates. Some of the earlier mentioned discounts might not be available to policyholders everywhere.

Tailor your auto insurance coverage to you

When choosing adequate coverage, there really is no cookie cutter policy. Every insured’s situation is different so this has to be addressed. For instance, these questions may help highlight if your situation would benefit from professional advice.

• Does my car insurance cover rental cars?
• Do I have coverage when using my vehicle for my home business?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• When should my teen driver be added to my policy?
• Is my camper covered by my car insurance policy?
• Are there companies who specialize in insuring high-risk drivers?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Coverages available on your policy

Knowing the specifics of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages found on most insurance policies.

Liability coverage

This provides protection from damage that occurs to a person or their property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims like bail bonds, emergency aid and legal defense fees. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, rock chips in glass and hitting a deer. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for bills for things like chiropractic care, ambulance fees and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your 2004 Suzuki XL7.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Auto collision coverage

Collision insurance covers damage to your XL7 from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a building, colliding with another moving vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.