Suzuki Grand-Vitara Insurance Rates
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UPDATED: May 12, 2022
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Trying to find a cheap car insurance policy can feel overwhelming but we’re here to help. If you are searching for ways to save on Suzuki Vitara insurance, keep this helpful article handy because it contains everything you need to know.
This guide will cover the size and class of the Suzuki Grand Vitara, how liability insurance rates are calculated for the model, the safety features of the SUV, the MSRP value, and annual repair estimates.
Take the first step towards securing an affordable Suzuki Grand Vitara car insurance plan by entering your five-digit ZIP code in the box above.
There are many options when buying insurance for your Suzuki Grand-Vitara. You can either buy through an agent or shop online to compare rates from multiple companies. online is easy and there is a good chance you can save money.
shopping for insurance may think buying cheap Suzuki Grand-Vitara insurance is very challenging. Finding lower Suzuki Grand-Vitara insurance cost is not rocket science. You just have to spend a little time getting comparison quotes from different insurance companies. by comparing rates here.
Car insurance premiums for a Suzuki Grand-Vitara will vary greatly based upon several criteria. Some of these factors include:
- The performance level of your Grand-Vitara
- Your accident history
- Use of your vehicle
- Extra coverages like towing and rental
- Your claim history
- No coverage lapses saves money
- Whether you own your home
An additional factor Suzuki Grand-Vitara insurance rates is the year of the vehicle. Newer models than older models so repair costs are higher which will push premiums up. Conversely, newer models may have safety features such as adaptive cruise control, blind-spot warning system, autonomous braking, and anti-lock brakes so those may lower rates.
Liability coverage - Liability insurance protects you from damage that occurs to other people or property Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so you should buy as much as you can afford.
Collision coverage - pays for damage to your Grand-Vitara caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder. Suzuki Grand-Vitara collision insurance is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.
Comprehensive coverage - Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.
Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage .
Medical payments coverage and PIP - Med pay and PIP coverage provide coverage for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. PIP is not available in all states and gives slightly broader coverage than med pay.
After reviewing this information, you now know why the average annual premium for full coverage on the Suzuki Grand Vitara is $1,320. However, this figure will fluctuate based on your age, address, driving, history, and the model year you drive.
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How does the size and class of the Suzuki Grand Vitara affect liability rates?
The most basic form of protection that every driver is required to carry is called liability insurance coverage. How much you pay for liability coverage depends on the size and class of the model you drive.
Experts from the Insurance Institute for Highway Safety (IIHS) classify the Suzuki Grand Vitara as a small SUV.
Since SUVs are heavier than most other vehicle types,, the Suzuki Grand Vitara holds a certain advantage in the event of a car crash, which is something that insurance companies see as favorable.
While that sounds great on paper, it’s more helpful to understand how these insurance rates translate to real dollars and cents.
What does liability insurance cost for a Suzuki Grand Vitara?
Every state requires you to carry a minimum amount of liability coverage, but most drivers are curious to know how much additional coverage is going to cost them.
The following general quotes will show a breakdown of how much bodily injury liability costs for the Suzuki Grand Vitara from low to high coverage.
- Low ($25,000): $147.56
- Medium ($50,000): $187.90
- High ($100,000): $223.86
In addition to bodily injury, there’s another form of liability coverage called property damage insurance. If you were ever deemed at fault for an accident, property damage will cover the cost of damage that you inflicted on the other person’s property, such as their car.
This is what property damage liability costs for the Suzuki Grand Vitara based on the level of coverage.
- Low ($25,000): $156.74
- Medium ($50,000): $153.61
- High ($100,000): $155.77
As you can see, bodily injury rates fluctuate more based on coverage level while property damage rates remain mostly the same.
What are the safety features and ratings of the Suzuki Grand Vitara?
Having safety features is the most important measure an automaker can take to ensure the security of everyone inside the vehicle.
AutoBlog.com reports that the Suzuki Grand Vitara has a lengthy list of safety features to help contribute to lower insurance rates. Some of the highlights include the following.
- Anti-Lock Brakes – Also known as ABS, these brakes have sensors that detect when the tire(s) have stopped moving when extreme braking occurs. The ABS system will modify pressure allowing the tire(s) to continue rotating safely.
- Front-Impact Airbags – This feature serves to protect the heads of the driver and passengers during a front-end crash.
- Stability Control – This feature automatically senses when the van’s handling limits have been exceeded and reduces engine power and applies select brakes to help prevent the driver from losing control.
- Pretensioners – This feature automatically tightens the seatbelts to place the occupant in the optimal seating position during a collision.
The preceding four safety features are only a small part of what’s included in the Suzuki Grand Vitara to keep its occupants safe. However, insurance companies are not only interested in this particular SUV’s safety features when determining rates, but the entire vehicle class.
The IIHS reports that out of 7,818,479 registered small SUVs, a total of 212 deaths have been reported for the class. Broken down, that is a fatality rate of 27 per one million registered people who drive a model like the Suzuki Grand Vitara.
Beyond these overarching fatality statistics, the point of impact of a crash is crucially important since some parts of the Grand Vitara are built stronger than others. Take a look at the following information to see how each part of the vehicle generates a different result as it pertains to fatalities on the road.
- Frontal Impact: 2,784 deaths
- Side Impact: 930 deaths
- Rear Impact: 286 deaths
- Other (mostly rollovers): 1,035 deaths
While these statistics can be distressing, knowing the overall safety of the Suzuki Grand Vitara along with the risk associated with its class will help you stay grounded and informed.
What is the MSRP of the Suzuki Grand Vitara?
Understanding your vehicle’s value will help you have an idea of how much car insurance is going to cost on your model.
Kelley Blue Book (KBB) reports that a base-level 2013 Suzuki Grand Vitara has a fair market value between $4,416 and $6,969 with a typical listing price of $6,272.
If you want to get full coverage to protect the value of your vehicle, the two most popular forms of insurance are called collision and comprehensive.
- Collision car insurance is a type of coverage that will pay for any costs associated with repairing or even replacing your vehicle if it gets damaged after colliding with another car or object.
- Comprehensive car insurance protects you from any damage sustained that is outside of your control, such as a bicycle running into your vehicle while it is parked on the street.
Insurance companies will look at collision and comprehensive loss percentages on your model when pricing out your policy. As a driver, you always hope that the model you drive doesn’t see a lot of claims because that helps to keep rates low.
How much will it cost to repair my Suzuki Grand Vitara?
If you want your Suzuki Grand Vitara to remain in great working condition, you will have to keep up with regularly scheduled maintenance appointments and pay for repair costs when something breaks down.
With that in mind, the average cost of repairs for this SUV is $478 per year, which includes major and minor repair work.
Like any other vehicle, some parts of the Grand Vitara are more expensive to fix or replace. That’s why we are providing you with a breakdown of repair costs with quotes generated from Instant Estimator. Take a look at the following to see a breakdown.
- Front Bumper: $412.60
- Rear Bumper: $422.60
- Hood: $389.40
- Roof: $476.20
- Front Door: $389.20
- Back Door: $377.80
- Fender: $352.20
- Quarter Panel: $364.60
Now that you’ve read through this entire article, you know all of the information you need to find the right insurance policy. Is there anything else you would have liked to see included or expanded upon? If not, enter your five-digit ZIP code in our online tool to start comparing rates.
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