Compare Suzuki Grand Vitara Insurance Rates in Pittsburgh

Insurance rates Suzuki Grand Vitara in PittsburghAnyone knows that auto insurance companies don’t want you comparing rates. Drivers who shop around at least once a year will most likely switch auto insurance companies because there are good odds of finding lower rate quotes. A recent survey found that consumers who compared rates annually saved an average of $72 a month as compared to drivers who never compared rates.

If finding the most affordable insurance is your intention, then having some knowledge of how to quote and compare insurance coverage can help you be more efficient.

If you want to find the absolute lowest rates, then the best way to find discount Suzuki Grand Vitara insurance is to make a habit of comparing prices annually from different companies who provide auto insurance in Pittsburgh. Drivers can shop around by following these guidelines.

The key thing to remember is that you’ll want to compare identical coverage information on every quote request and and to analyze as many auto insurance providers as possible. Doing this enables a level playing field and the most accurate and complete price analysis.

The Suzuki Grand Vitara Insurance Cost Equation

Lots of things are taken into consideration when premium rates are determined. Some factors are common sense like your driving record, although others are not quite as obvious such as whether you are married or your vehicle rating. Consumers need to have an understanding of some of the elements that go into determining the price you pay for insurance. When you understand what impacts premium levels, this enables informed choices that may result in better insurance rates.

The most recommended method to compare rate quotes for Suzuki Grand Vitara insurance in Pittsburgh is to take advantage of the fact most of the bigger providers actually pay money for the chance to compare rate quotes. To get started, all you need to do is take a few minutes to give details like whether you drive to work or school, if the vehicle is leased, if you require a SR-22, and how much you drive. That rating data is then submitted to multiple insurance providers and you receive quotes instantly to find the best rate.

If you would like to start a quote now, click here and enter your coverage details.

The companies shown below provide comparison quotes in Pittsburgh, PA. If you wish to find cheap car insurance in Pittsburgh, we recommend you visit two to three different companies in order to get a fair rate comparison.

Suzuki Grand Vitara insurance analysis

The information displayed next highlights a range of rate quotes for Suzuki Grand Vitara models. Learning a little about how insurance policy rates are established can aid in making smart choices when choosing a car insurance company.


Suzuki Grand Vitara Insurance Rates in Pittsburgh, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $246 $420 $346 $20 $104 $1,136 $95
Grand Vitara Premium 2WD $246 $494 $346 $20 $104 $1,210 $101
Grand Vitara Premium 4WD $246 $494 $346 $20 $104 $1,210 $101
Grand Vitara Limited 2WD $246 $494 $346 $20 $104 $1,210 $101
Grand Vitara Special Edition 4WD $246 $494 $346 $20 $104 $1,210 $101
Grand Vitara XSport 2WD $246 $494 $346 $20 $104 $1,210 $101
Grand Vitara Limited 4WD $276 $494 $346 $20 $104 $1,240 $103
Grand Vitara XSport 4WD $276 $494 $346 $20 $104 $1,240 $103
Get Your Own Custom Quote Go

Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Rate information does not factor in the specific area where the vehicle is garaged which can increase or decrease coverage prices significantly.

Physical damage deductible comparison

When shopping for auto insurance, a common question is how low should you set your deductibles. The rates below may aid in understanding how much more you’ll pay when you buy lower versus higher insurance deductibles. The first price estimate table uses a $250 deductible and the second set of rates uses a $500 deductible.


Suzuki Grand Vitara insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $288 $428 $330 $20 $98 $1,189 $99
Grand Vitara Premium 2WD $288 $506 $330 $20 $98 $1,267 $106
Grand Vitara Premium 4WD $288 $506 $330 $20 $98 $1,267 $106
Grand Vitara Limited 2WD $288 $506 $330 $20 $98 $1,267 $106
Grand Vitara Special Edition 4WD $288 $506 $330 $20 $98 $1,267 $106
Grand Vitara XSport 2WD $288 $506 $330 $20 $98 $1,267 $106
Grand Vitara Limited 4WD $320 $506 $330 $20 $98 $1,299 $108
Grand Vitara XSport 4WD $320 $506 $330 $20 $98 $1,299 $108
Get Your Own Custom Quote Go

Suzuki Grand Vitara insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $234 $346 $330 $20 $98 $1,028 $86
Grand Vitara Premium 2WD $234 $408 $330 $20 $98 $1,090 $91
Grand Vitara Premium 4WD $234 $408 $330 $20 $98 $1,090 $91
Grand Vitara Limited 2WD $234 $408 $330 $20 $98 $1,090 $91
Grand Vitara Special Edition 4WD $234 $408 $330 $20 $98 $1,090 $91
Grand Vitara XSport 2WD $234 $408 $330 $20 $98 $1,090 $91
Grand Vitara Limited 4WD $260 $408 $330 $20 $98 $1,116 $93
Grand Vitara XSport 4WD $260 $408 $330 $20 $98 $1,116 $93
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Rate information does not factor in the specific area where the vehicle is garaged which can affect premiums noticeably.

Using the premium rates above, we can conclude that using a $250 deductible will cost you approximately $15 more each month or $180 annually than choosing the higher $500 deductible. Since the policyholder would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 17 months between claims, you would save money by going with a higher deductible.

The information below shows how choosing a deductible and can raise or lower Suzuki Grand Vitara insurance rates for different categories of driver ages. The information is based on a single male driver, full physical damage coverage, and no policy discounts are applied.

Price comparison of only insuring for liability

The illustration below shows the comparison of Suzuki Grand Vitara insurance rates with liability coverage only compared to full coverage. The price estimates are based on no claims, a clean driving record, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

When to drop comprehensive and collision

There is no written rule to stop buying physical damage coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your Suzuki Grand Vitara claim settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $8,000 after the policy deductible has been paid. If it’s costing you more than $800 a year for comprehensive and collision coverage, then you may need to consider dropping full coverage.

There are a few cases where dropping physical damage coverage is not financially feasible. If you haven’t paid off your loan, you are required to maintain full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should keep full coverage on your policy.

Here’s why insurance is not optional

Despite the high insurance cost for a Suzuki Grand Vitara in Pittsburgh, maintaining insurance may be required and benefits you in several ways.

The benefits of insuring your car more than cancel out the cost, particularly when you have a large claim. Today the average American driver overpays as much as $750 every year so compare quotes from several companies every year to ensure rates are competitive.

Auto insurance policy discounts you can’t miss

Some insurers do not advertise every discount they offer in an easy-to-find place, so the following is a list of a few of the more well known as well as some of the hidden auto insurance savings.Auto insurance discounts

As a footnote on discounts, some of the credits will not apply to the whole policy. Some only reduce specific coverage prices like medical payments or collision. Despite the appearance that having all the discounts means you get insurance for free, companies don’t profit that way.

The illustration below shows the difference between Suzuki Grand Vitara annual premium costs with and without discounts applied. The premiums assume a female driver, no claims or driving violations, Pennsylvania state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, safe-driver, multi-policy, claim-free, and homeowner discounts applied.

Companies and a partial list of their discounts are included below.

If you need lower rates, check with each company the best way to save money. Discounts may not apply to policyholders in every state. If you would like to see a list of insurance companies who offer cheap Suzuki Grand Vitara insurance quotes in Pittsburgh, click here.

Get rate quotes but still have a local Pittsburgh insurance agent

Many drivers would rather talk to an insurance agent and that is a smart decision The biggest benefit of comparing insurance online is the fact that drivers can get cheaper car insurance rates but also keep your business local.

Insurance agency in PittsburghBy using this short form, your coverage information is submitted to local insurance agents in Pittsburgh who will return price quotes for your insurance coverage. It makes it easy because there is no need to do any legwork since price quotes are sent to you. You can find the lowest rates AND an agent nearby. If you want to get a rate quote for a specific company, you can always search and find their rate quote page and submit a quote form there.

Finding the right insurer needs to be determined by more than just a cheap quote. You should also get answers to these questions.

Pick the best auto insurance agent in Pittsburgh for you

When researching a local Pittsburgh insurance agency, it helps to know the two different types of agencies that you can select. Agents in Pittsburgh can be categorized as either exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agencies

These type of agents generally can only insure with one company like Farmers Insurance or State Farm. These agents are not able to provide rate quotes from other companies so they really need to provide good service. Exclusive insurance agents are well schooled on sales techniques which helps them compete with independent agents. Consumers often purchase coverage from exclusives mainly due to the prominence of the brand rather than having the cheapest rates.

Below is a list of exclusive insurance agencies in Pittsburgh that are able to give price quote information.

More Pittsburgh agents

Independent Agents

Independent agents are not restricted to one company and that enables them to quote your coverage with lots of companies and find you the best rates. If you want to switch companies, they simply move the coverage in-house which requires no work on your part. If you need cheaper insurance rates, you definitely need to contact a few independent agents to have the most options to choose from. A lot of them also have access to smaller regional carriers that may provide cheaper insurance rates.

The following are independent insurance agencies in Pittsburgh who can help you get rate quotes.

More Pittsburgh agents

After getting answers to your satisfaction to these questions as well as a price you’re happy with, you have narrowed it down to an insurance agency that meets your needs to adequately provide insurance.

Don’t give up on affordable rates

People switch companies for a number of reasons such as poor customer service, questionable increases in premium, delays in responding to claim requests or even denial of a claim. It doesn’t matter why you want to switch switching companies is pretty easy and you might even save some money in the process.

We’ve covered a lot of tips how to reduce Suzuki Grand Vitara insurance premium rates online in Pittsburgh. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding affordable Pittsburgh auto insurance quotes. You may even find the biggest savings come from some of the lesser-known companies.

Some insurance providers do not offer internet price quotes and usually these small insurance companies only sell through independent agents. Cheap Suzuki Grand Vitara insurance in Pittsburgh can be sourced from both online companies as well as from independent agents in Pittsburgh, so you should be comparing quotes from both to have the best chance of lowering rates.

More information is located at the links below