Sick and tired of scraping nickels together to pay insurance each month? You are in the same boat as millions of other drivers.
It’s hard to believe, but most insurance buyers have remained with the same insurance company for a minimum of four years, and 38% of drivers have never compared rates from other carriers. Consumers in Oklahoma City could save an average of 35% each year, but they underestimate the actual amount they would save if they switched to a more affordable policy.
How to save money on Suzuki Grand Vitara insurance in Oklahoma City
If you want to find the absolute lowest rates, then the best way to get the cheapest car insurance rates in Oklahoma City is to regularly compare price quotes from insurance carriers who can sell car insurance in Oklahoma.
- First, try to comprehend how insurance works and the things you can control to prevent expensive coverage. Many things that cause high rates such as accidents, traffic tickets, and an imperfect credit score can be amended by making minor driving habit or lifestyle changes. Read the full article for additional tips to get cheaper rates and find missing discounts.
- Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive or Allstate, while independent agencies can quote prices from multiple sources.
- Third, compare the new quotes to your existing rates and see if you can save money. If you find better rates and buy the policy, make sure there is no coverage gap between policies.
- Fourth, tell your current company of your intent to cancel your current coverage. Submit payment and a completed application to the new company. Be sure to safely store the certificate verifying proof of insurance in an easily accessible location.
The most important part of shopping around is to use similar deductibles and liability limits on every quote request and and to get rates from every insurance company. Doing this ensures a level playing field and the best rate selection.
Drivers have so many insurance companies to buy insurance from, and although it’s nice to have a selection, it can be more difficult to find the lowest rates for Suzuki Grand Vitara insurance in Oklahoma City.
Our goal is to tell you the most effective ways to compare rates and also save some money in the process If you already have coverage, you stand a good chance to be able to lower your rates using the ideas covered in this article. Vehicle owners just need to use the tricks to compare different rates from multiple carriers.
Compare Oklahoma City Suzuki Grand Vitara insurance quotes
All the larger insurance companies provide coverage prices on their websites. Comparing prices online for Suzuki Grand Vitara insurance in Oklahoma City is possible for anyone as you just type in your personal and coverage information on the page. Once entered, their rating system will order your credit score and driving record and gives you a price quote based on the information you submitted. Quoting online for Suzuki Grand Vitara insurance in Oklahoma City makes comparing rates easy, and it’s necessary to get many rate quotes in order to find cheap insurance pricing.
To quickly compare rates now, compare rates now from the companies shown below. If you have a policy now, it’s recommended you type in the coverages exactly as they are listed on your policy. This ensures you will have rate quotes based on similar coverages.
The companies in the list below have been selected to offer price comparisons in Oklahoma City, OK. If multiple providers are shown, it’s a good idea that you compare several of them to get a more complete price comparison.
Auto insurance discounts help lower rates for Suzuki Grand Vitara insurance in Oklahoma City
Auto insurance is easily one of your largest bills, but there could be significant discounts to help offset the cost. A few discounts will be applied at quote time, but occasionally some discounts must be requested specifically prior to receiving the credit. If you aren’t receiving every discount you qualify for, you may be paying too high a price.
- Accident Waiver – This one isn’t a discount, but companies like Liberty Mutual, Allstate and State Farm will allow you to have one accident before raising your premiums so long as you are claim-free before the accident.
- Auto/Life Discount – Some companies give better prices if you take out life insurance.
- Safety Restraint Discount – Forcing all vehicle occupants to use a seat belt may be able to save a few bucks on medical payment and PIP coverage.
- Discount for Passive Restraints – Vehicles with factory air bags or motorized seat belts may earn rate discounts of 20% or more.
- Membership in Organizations – Belonging to a civic or occupational organization in Oklahoma City could earn you a nice discount on your bill.
- More Vehicles More Savings – Drivers who insure several vehicles with the same auto insurance company can get a discount for every vehicle.
- Anti-lock Brake System – Vehicles that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
- Discounts for Federal Employees – Federal government employees could provide a small rate reduction with certain companies.
As a disclaimer on discounts, some credits don’t apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Despite the appearance that having all the discounts means you get insurance for free, companies wouldn’t make money that way.
The chart below visualizes the comparison of Suzuki Grand Vitara premium costs with and without discounts. The premiums are based on a female driver, no claims or driving citations, Oklahoma state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, safe-driver, multi-policy, claim-free, and multi-car discounts applied.
To find companies with discount rates in Oklahoma, click this link.
Suzuki Grand Vitara coverage analysis
The price information shown next outlines detailed analysis of policy rates for Suzuki Grand Vitara models. Learning more about how car insurance prices are calculated can aid in making informed purchases.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Grand Vitara 2WD||$380||$572||$458||$28||$136||$1,574||$131|
|Grand Vitara Premium 2WD||$380||$674||$458||$28||$136||$1,676||$140|
|Grand Vitara Premium 4WD||$380||$674||$458||$28||$136||$1,676||$140|
|Grand Vitara Limited 2WD||$380||$674||$458||$28||$136||$1,676||$140|
|Grand Vitara Special Edition 4WD||$380||$674||$458||$28||$136||$1,676||$140|
|Grand Vitara XSport 2WD||$380||$674||$458||$28||$136||$1,676||$140|
|Grand Vitara Limited 4WD||$422||$674||$458||$28||$136||$1,718||$143|
|Grand Vitara XSport 4WD||$422||$674||$458||$28||$136||$1,718||$143|
|Get Your Own Custom Quote Go|
Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Price information does not factor in zip code location which can lower or raise premiums noticeably.
One of the most common auto insurance questions is how low should you set your deductibles. The premium rates below determine the difference in cost between high and low insurance deductibles. The first data set uses a $100 comprehensive and collision deductible and the second price chart uses a $500 deductible.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Grand Vitara 2WD||$436||$698||$448||$26||$134||$1,767||$147|
|Grand Vitara Premium 2WD||$436||$822||$448||$26||$134||$1,891||$158|
|Grand Vitara Premium 4WD||$436||$822||$448||$26||$134||$1,891||$158|
|Grand Vitara Limited 2WD||$436||$822||$448||$26||$134||$1,891||$158|
|Grand Vitara Special Edition 4WD||$436||$822||$448||$26||$134||$1,891||$158|
|Grand Vitara XSport 2WD||$436||$822||$448||$26||$134||$1,891||$158|
|Grand Vitara Limited 4WD||$486||$822||$448||$26||$134||$1,941||$162|
|Grand Vitara XSport 4WD||$486||$822||$448||$26||$134||$1,941||$162|
|Get Your Own Custom Quote Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Grand Vitara 2WD||$318||$472||$448||$26||$134||$1,398||$117|
|Grand Vitara Premium 2WD||$318||$554||$448||$26||$134||$1,480||$123|
|Grand Vitara Premium 4WD||$318||$554||$448||$26||$134||$1,480||$123|
|Grand Vitara Limited 2WD||$318||$554||$448||$26||$134||$1,480||$123|
|Grand Vitara Special Edition 4WD||$318||$554||$448||$26||$134||$1,480||$123|
|Grand Vitara XSport 2WD||$318||$554||$448||$26||$134||$1,480||$123|
|Grand Vitara Limited 4WD||$354||$554||$448||$26||$134||$1,516||$126|
|Grand Vitara XSport 4WD||$354||$554||$448||$26||$134||$1,516||$126|
|Get Your Own Custom Quote Go|
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rate information does not factor in specific location information which can alter premiums significantly.
Based on the figures above, using a $100 deductible will cost you about $35 more each month or $420 every year than opting for the higher $500 deductible. Because you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you go at a minimum 11 months between claims, you would more than likely save some money by going with a higher deductible.
The diagram below illustrates how choosing a deductible and can change Suzuki Grand Vitara premium costs for each different age category. Data assumes a married male driver, full physical damage coverage, and no other discounts are factored in.
Suzuki Grand Vitara liability rates compared to full coverage
The diagram below shows the difference between Suzuki Grand Vitara premium costs with full physical damage coverage compared to only buying liability only. The premium estimates are based on no claims or violations, $100 deductibles, single status, and no discounts are applied.
When to drop full coverage
There isn’t a steadfast formula that is best for determining when to drop physical damage insurance, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.
For example, let’s assume your Suzuki Grand Vitara replacement cost is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $3,000 after paying the physical damage deductible. If it’s costing you more than $300 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are some cases where dropping full coverage is not advised. If you still have a loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not remove full coverage.
Getting quotes from local Oklahoma City car insurance agents
Many people still prefer to have an agent’s advice and doing that can be a smart decision Insurance agents can answer important questions and help submit paperwork. The best thing about getting free rate quotes online is you may find cheap auto insurance rates and still choose a local agent. And supporting local insurance agencies is definitely important in Oklahoma City.
Upon completion of this quick form, the quote information is submitted to insurance agents in Oklahoma City who will give competitive quotes for your business. It’s much easier because you don’t need to visit any agencies since price quotes are sent to you directly. If you have a need to compare rates for a specific company, just find their quoting web page and complete a quote there.
When researching a reputable agency, there are two different agency structures that you can choose from. Auto insurance policy providers are categorized either independent or exclusive depending on the company they work for. Either one can properly insure your vehicles, but it is important to understand how they differ because it can influence the kind of agent you use.
Independent Auto Insurance Agents
Independent agents often have many company appointments so they can write business with a variety of different insurance companies and get you the best rates possible. If your agent finds better pricing, the agent simply finds a different carrier and you can keep the same agent. When comparing auto insurance prices, it’s a good idea to get rate quotes from a couple of independent agencies so that you can do a thorough price comparison.
The following are independent agents in Oklahoma City who may provide free auto insurance quotes.
Exclusive Insurance Agents
Agents in the exclusive channel can only quote rates from one company such as State Farm, AAA, and Liberty Mutual. They are unable to compare rates from other companies so keep that in mind. These agents are very knowledgeable on the products they sell which can be an advantage.
The following are Oklahoma City exclusive insurance agencies that are able to give price quote information.
Choosing an auto insurance agent shouldn’t rely on just the premium amount. Any agent in Oklahoma City should have no problem answering these questions:
- Is the agency involved in supporting local community causes?
- Who is covered by the car insurance policy?
- Is working in the agency their full-time job?
- Will one accident increase rates?
- Do they offer rental car reimbursement?
- Are there any hidden costs in their price quote and does it include driving and credit history?
Auto insurance is not optional but you don’t have to overpay
Despite the high cost, auto insurance serves an important purpose.
First, just about all states have minimum mandated liability insurance limits which means you are required to buy a specific level of liability coverage in order to get the vehicle licensed. In Oklahoma these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you have a loan on your vehicle, more than likely the lender will stipulate that you buy full coverage to guarantee loan repayment. If you let the policy lapse, the lender may insure your Suzuki at a much higher premium rate and require you to reimburse them much more than you were paying before.
Third, auto insurance protects not only your car but also your assets. Insurance will also pay for medical bills for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses in the event you are sued. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of buying auto insurance more than offset the price you pay, especially if you ever need it. In a recent study of 1,000 drivers, the average customer is wasting up to $865 each year so it’s recommended you shop around at every renewal to help ensure money is not being wasted.
Auto insurance coverages
Understanding the coverages of your car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Car insurance terms can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages offered by car insurance companies.
Collision coverage protection
Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as rolling your car, hitting a mailbox and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also increase the deductible on your Grand Vitara to bring the cost down.
Protection from uninsured/underinsured drivers
Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Suzuki Grand Vitara.
Due to the fact that many Oklahoma drivers only purchase the least amount of liability that is required (25/50/25 in Oklahoma), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Comprehensive (Other than Collision)
This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims such as hitting a bird, fire damage, falling objects and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Medical expense insurance
Coverage for medical payments and/or PIP provide coverage for immediate expenses like surgery, prosthetic devices and doctor visits. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
This coverage can cover injuries or damage you cause to other people or property by causing an accident. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability insurance covers claims like repair bills for other people’s vehicles, attorney fees, repair costs for stationary objects and funeral expenses. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford. Oklahoma requires drivers to carry at least 25/50/25 but you should consider buying more liability than the minimum.
The next chart demonstrates why minimum state limits may not be high enough to cover claims.
Oklahoma City auto insurance companies
Ending up with a highly-rated insurance company can be challenging considering how many choices there are in Oklahoma. The ranking data displayed below may help you analyze which auto insurance companies you want to consider comparing rates from.
Top 10 Oklahoma City Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Top 10 Oklahoma City Car Insurance Companies by A.M. Best Rank
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Lower rates by being persistent
As you prepare to switch companies, it’s a bad idea to skimp on coverage in order to save money. There are many occasions where an accident victim reduced liability coverage limits only to regret they didn’t have enough coverage. Your aim should be to buy a smart amount of coverage at the best cost, but do not sacrifice coverage to save money.
We’ve covered many tips how you can save on Suzuki Grand Vitara insurance in Oklahoma City. The key thing to remember is the more rate quotes you have, the better your chances of lowering your prices. You may even find the best price on insurance is with the smaller companies. Smaller companies may only write in your state and offer lower prices compared to the large companies like Allstate and Progressive.
Lower-priced insurance in Oklahoma City can be sourced from both online companies and from local agencies, so you should be comparing quotes from both to have the best rate selection. Some companies do not provide internet price quotes and these regional carriers only sell through independent insurance agencies.
How to find cheaper rates for Suzuki Grand Vitara insurance in Oklahoma City
To save the most money, the best way to find better pricing on Suzuki Grand Vitara insurance in Oklahoma City is to do an annual price comparison from different companies that sell auto insurance in Oklahoma.
- Try to learn about how auto insurance works and the changes you can make to prevent expensive coverage. Many policy risk factors that increase rates like high-risk driving behaviors and a bad credit rating can be eliminated by being financially responsible and driving safely.
- Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like Progressive or State Farm, while independent agents can quote prices from multiple sources. View prices
- Compare the new rate quotes to your existing coverage and determine if there is any savings. If you can save some money, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Give proper notification to your current agent or company of your intention to cancel your existing policy and submit the required down payment along with the signed application to your new insurance company. Make sure you place your new certificate verifying coverage in an easily accessible location.
A crucial key to this process is to try to use similar limits and deductibles on every quote and and to get quotes from all possible companies. Doing this guarantees the most accurate price comparison and a better comparison of the market.
More detailed insurance information can be read in the articles below:
- Five Mistakes to Avoid (Insurance Information Institute)
- Who Has Affordable Auto Insurance for a Ford F-150 in Oklahoma City? (FAQ)
- Who Has Affordable Auto Insurance Rates for Felons in Oklahoma City? (FAQ)
- What Auto Insurance is Cheapest for Retired Military in Oklahoma City? (FAQ)
- Who Has Affordable Car Insurance Quotes for Drivers with Good Credit in Oklahoma City? (FAQ)
- Child Safety FAQ (iihs.org)
- Think You’re a Safe Driver? (State Farm)