A recent auto insurance study revealed that the majority of drivers have purchased from the same company for a minimum of four years, and nearly half have never even shopped around for affordable coverage. U.S. drivers could save as much as 46.5% a year by just comparing quotes, but they don’t understand how simple it is to compare rates.
If saving money is your primary concern, then the best way to get affordable Suzuki Grand Vitara insurance in Aurora is to do an annual price comparison from insurance carriers in Colorado. Price quotes can be compared by completing these steps.
- Try to learn about auto insurance and the factors you can control to prevent expensive coverage. Many policy risk factors that drive up the price like accidents, traffic tickets, and an unacceptable credit rating can be improved by making minor changes to your lifestyle.
- Compare prices from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or Farmers Insurance, while independent agents can give you price quotes for a wide range of companies. Begin your rate comparison
- Compare the new rate quotes to your existing coverage to see if you can save by switching companies. If you can save money and change companies, ensure coverage does not lapse between policies.
The most important part of shopping around is to try to compare identical coverages on each price quote and and to get rate quotes from as many carriers as you can. This provides the most accurate price comparison and many rates to choose from.
Which Suzuki Grand Vitara insurance is cheapest in Aurora?
The majority of larger companies make it easy to get price estimates from their websites. The process doesn’t take much effort as you just type in the coverages you want into the form. After the form is submitted, their system automatically retrieves your driving record and credit report and generates pricing information based on the information you submitted.
Being able to quote online for Suzuki Grand Vitara insurance in Aurora makes comparing rates easy, and it’s necessary to have as many quotes as possible if you want to get the most affordable premium possible.
If you want to compare pricing, compare rates from the companies below. If you have a policy now, it’s recommended you complete the form with the coverages as close as possible to your current policy. This helps ensure you will be getting rate comparison quotes for exact coverage.
The providers in the list below provide free quotes in Colorado. If you want the cheapest auto insurance in CO, we recommend you visit several of them to find the most competitive auto insurance rates.
Why you need to buy auto insurance
Despite the high cost of buying insurance for a Suzuki Grand Vitara in Aurora, insuring your vehicle may be mandatory for several reasons.
First, almost all states have mandatory insurance requirements which means you are required to buy specific limits of liability protection if you don’t want to risk a ticket. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
Second, if your vehicle has a loan, more than likely the lender will make it a condition of the loan that you buy full coverage to guarantee loan repayment. If coverage lapses or is canceled, the bank will be required to insure your Suzuki for a much higher rate and require you to pay for the much more expensive policy.
Third, insurance protects not only your Suzuki Grand Vitara but also your financial assets. It will also provide coverage for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, comprehensive and/or collision insurance will pay to have it repaired.
The benefits of insuring your car outweigh the cost, specifically if you ever have a liability claim. Unknowingly, the average driver is currently overpaying as much as $830 a year so it’s important to compare rates at every policy renewal to help ensure money is not being wasted.
Facts and figures for Suzuki Grand Vitara insurance
The coverage table below covers detailed analysis of insurance premium costs for Suzuki Grand Vitara models. Being more informed about how premiums are formulated can benefit drivers when making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Vitara 2WD | $264 | $472 | $396 | $24 | $118 | $1,274 | $106 |
| Grand Vitara Premium 2WD | $264 | $556 | $396 | $24 | $118 | $1,358 | $113 |
| Grand Vitara Premium 4WD | $264 | $556 | $396 | $24 | $118 | $1,358 | $113 |
| Grand Vitara Limited 2WD | $264 | $556 | $396 | $24 | $118 | $1,358 | $113 |
| Grand Vitara Special Edition 4WD | $264 | $556 | $396 | $24 | $118 | $1,358 | $113 |
| Grand Vitara XSport 2WD | $264 | $556 | $396 | $24 | $118 | $1,358 | $113 |
| Grand Vitara Limited 4WD | $294 | $556 | $396 | $24 | $118 | $1,388 | $116 |
| Grand Vitara XSport 4WD | $294 | $556 | $396 | $24 | $118 | $1,388 | $116 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Rate quotes do not factor in specific zip code location which can decrease or increase prices substantially.
Can higher deductibles save money?
One common question asked by Aurora drivers is which deductible level should you buy. The premium rates below can help you understand the price difference between low and high coverage deductibles. The first pricing table uses a $250 physical damage deductible and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Vitara 2WD | $306 | $458 | $352 | $20 | $106 | $1,267 | $106 |
| Grand Vitara Premium 2WD | $306 | $538 | $352 | $20 | $106 | $1,347 | $112 |
| Grand Vitara Premium 4WD | $306 | $538 | $352 | $20 | $106 | $1,347 | $112 |
| Grand Vitara Limited 2WD | $306 | $538 | $352 | $20 | $106 | $1,347 | $112 |
| Grand Vitara Special Edition 4WD | $306 | $538 | $352 | $20 | $106 | $1,347 | $112 |
| Grand Vitara XSport 2WD | $306 | $538 | $352 | $20 | $106 | $1,347 | $112 |
| Grand Vitara Limited 4WD | $342 | $538 | $352 | $20 | $106 | $1,383 | $115 |
| Grand Vitara XSport 4WD | $342 | $538 | $352 | $20 | $106 | $1,383 | $115 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Vitara 2WD | $250 | $368 | $352 | $20 | $106 | $1,096 | $91 |
| Grand Vitara Premium 2WD | $250 | $434 | $352 | $20 | $106 | $1,162 | $97 |
| Grand Vitara Premium 4WD | $250 | $434 | $352 | $20 | $106 | $1,162 | $97 |
| Grand Vitara Limited 2WD | $250 | $434 | $352 | $20 | $106 | $1,162 | $97 |
| Grand Vitara Special Edition 4WD | $250 | $434 | $352 | $20 | $106 | $1,162 | $97 |
| Grand Vitara XSport 2WD | $250 | $434 | $352 | $20 | $106 | $1,162 | $97 |
| Grand Vitara Limited 4WD | $278 | $434 | $352 | $20 | $106 | $1,190 | $99 |
| Grand Vitara XSport 4WD | $278 | $434 | $352 | $20 | $106 | $1,190 | $99 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Table data does not factor in zip code location which can affect rates substantially.
Using the data above, we can ascertain that using a $250 deductible would cost the average driver about $15 more each month or $180 for a full year averaged for all Grand Vitara models than choosing the higher $500 deductible. Because you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you go more than 17 months between claim filings, you would most likely save money by going with a higher deductible.
Insurance rates are higher with tickets and accidents
The information below highlights how speeding tickets and at-fault collisions can raise Suzuki Grand Vitara insurance costs for different age groups of insureds. The data assumes a single male driver, full coverage, $1,000 deductibles, and no policy discounts are applied.
Determine discounts on Aurora auto insurance
Some companies don’t always publicize all discounts very well, so the list below gives a summary of a few of the more well known and also the lesser-known ways to save on auto insurance. If you check and find you aren’t receiving every discount you qualify for, you are paying more than you should be.
- No Charge for an Accident – Not necessarily a discount, but some companies like Allstate and GEICO permit an accident without the usual rate increase so long as you haven’t had any claims prior to being involved in the accident.
- Paper-free Discount – Many companies will discount your bill up to fifty bucks for buying your policy on the internet.
- Drive Safe and Save – Insureds who avoid accidents can save up to 40% or more on their Aurora car insurance quote than drivers with accidents.
- Own a Home and Save – Being a homeowner can save a few bucks because owning a home is proof that your finances are in order.
- Government Employee Discount – Having worked for a branch of the government may reduce rates when you quote Aurora car insurance with a few auto insurance companies.
One thing to note about discounts is that most credits do not apply to the entire policy premium. Some only apply to specific coverage prices like comp or med pay. So when the math indicates you could get a free auto insurance policy, companies don’t profit that way. But any discount should help lower the amount you have to pay.
The information below shows the comparison of Suzuki Grand Vitara car insurance costs with and without some available policy discounts. The rate quotes are based on a male driver, no claims or driving citations, Colorado state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-policy, claim-free, multi-car, and marriage discounts applied.
To locate insurers who offer cheap Suzuki Grand Vitara insurance quotes in Aurora in Colorado, click here.
What if I want to buy from local Aurora insurance agencies?
Certain consumers just want to have an agent’s advice and that can be a smart move One of the benefits of getting online price quotes is that drivers can save money and get cheap auto insurance rates but still work with a licensed agent.
After filling out this simple form, the quote information is sent to local insurance agents that can give you free Aurora car insurance quotes and help you find cheaper coverage. You won’t even need to do any legwork since rate quotes are delivered immediately to you. You can find the lowest rates without the usual hassles of price shopping. If you wish to quote rates from a particular provider, just jump over to their website to submit a rate quote request.
Selecting a insurance company requires more thought than just a low price. Any agent in Aurora should be forthright in answering these questions:
- Are claim adjusters local or do you have to take your car somewhere else?
- Can you contact them at any time?
- Do they get paid more for recommending certain coverages?
- In the event of vehicle damage, can you pick the collision repair facility?
- How often do they review policy coverages?
If you want to buy auto insurance from a good Aurora insurance agent, there are two different types of agents that differ in how they can insure your vehicles. Agents in Aurora can be classified as either exclusive or independent.
Exclusive Auto Insurance Agents
These type of agents can only write with one company and examples are State Farm, AAA, and Liberty Mutual. They are unable to shop your coverage around so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are well trained on the products they sell and that can be a competitive advantage. Consumers sometimes use the same agent primarily because of loyalty to the company and the convenience of having a single billing for all their coverages.
Listed below is a list of exclusive insurance agencies in Aurora willing to provide rate quotes.
- Greg Gallegos-State Farm Insurance Agent
4550 S Reservoir Rd, D – Aurora, CO 80015 – (720) 242-6011 – View Map - Bill Mahaffy III – State Farm Insurance Agent
15281 E Smoky Hill Rd – Aurora, CO 80015 – (720) 886-0400 – View Map - Jody Roberts – State Farm Insurance Agent
15260 E Hampden Ave – Aurora, CO 80014 – (303) 693-1650 – View Map
Independent Auto Insurance Agents
Independent agents are appointed with more than one company so they can write business through many different auto insurance companies and possibly get better coverage at lower prices. If they quote lower rates, they simply move the coverage in-house and the insured can keep the same agent.
When comparing auto insurance rates, you need to check rates from several independent agencies so that you can do a thorough price comparison. Many can place coverage with smaller mutual companies that may provide cheaper auto insurance rates.
Listed below are Aurora independent insurance agents that are able to give price quotes.
- Premier Insurance
2241 S Peoria St # 202 – Aurora, CO 80014 – (303) 337-3600 – View Map - A All City Auto Insurance
9720 E Colfax Ave – Aurora, CO 80010 – (303) 364-0555 – View Map - Colorado Insurance Professionals, Inc.
13693 E Iliff Ave – Aurora, CO 80014 – (303) 755-8600 – View Map
After getting good responses to any questions you may have and a low price estimate, you have narrowed it down to an insurance agency that can service your policy.
What is YOUR best insurance company?
Cheaper car insurance in Aurora can be bought from both online companies as well as from insurance agents, so you need to quote Aurora car insurance with both to get a complete price analysis. Some insurance companies do not provide rates over the internet and most of the time these smaller providers only sell coverage through independent insurance agencies.
As you shop your coverage around, it’s very important that you do not sacrifice coverage to reduce premiums. In many cases, drivers have reduced liability coverage limits to discover at claim time that it was a big error on their part. The proper strategy is to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.
You just read a lot of ways to shop for Suzuki Grand Vitara insurance online. The key concept to understand is the more rate comparisons you have, the higher your chance of finding inexpensive Aurora car insurance quotes. You may even find the most savings is with a company that doesn’t do a lot of advertising.
Even more information can be read in these articles:
- Auto Crash Statistics (Insurance Information Institute)
- Who Has the Cheapest Aurora Auto Insurance for Immigrants? (FAQ)
- How Much are Auto Insurance Rates for Business Use in Aurora? (FAQ)
- Who Has Cheap Car Insurance Rates for Safe Drivers in Aurora? (FAQ)
- Booster Seat Ratings (iihs.org)
- Frontal Crash Tests (iihs.org)
- Auto Insurance Learning Center (State Farm)