Cheapest Insurance for a Suzuki Grand Vitara in Boston

The preferred way to get budget Suzuki Grand Vitara insurance is to make a habit of comparing prices annually from insurers who provide auto insurance in Boston.

  1. Take a few minutes and learn about individual coverages and the steps you can take to prevent expensive coverage. Many factors that are responsible for high rates such as getting speeding tickets and an imperfect credit rating can be rectified by paying attention to minor details.
  2. Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like GEICO and State Farm, while agents who are independent can give you price quotes for a wide range of companies. Find a Boston insurance agent
  3. Compare the price quotes to the price on your current policy to see if cheaper Grand Vitara coverage is available. If you find a lower rate and change companies, make sure coverage is continuous and does not lapse.
  4. Provide adequate notice to your current company of your decision to cancel your current policy. Submit payment along with a signed and completed policy application to your new carrier. Immediately upon receiving it, place your new certificate verifying coverage in your vehicle.

An important bit of advice to remember is that you use similar limits and deductibles on every quote request and and to get price quotes from as many different companies as possible. Doing this enables an accurate price comparison and a thorough selection of prices.

Insurance quote for Suzuki Grand Vitara in BostonIt’s a known fact that insurance companies don’t want you quoting rates from other companies. Drivers who get price comparisons are very likely to switch companies because there is a good chance of finding a policy with better rates. A study discovered that consumers who routinely compared quotes saved on average $860 a year compared to people who didn’t regularly shop around.

If finding the lowest rates on auto insurance is the reason for your visit, then knowing how to get rate quotes and compare coverage rates can save time, money, and frustration.

If you are paying for car insurance now, you stand a good chance to be able to find better prices using the ideas presented in this article. The goal of this article is to tell you how car insurance companies work and some tricks to saving. Although Massachusetts consumers should learn how companies determine how much to charge.

You Can Change Your Insurance Premiums

Consumers need to have an understanding of the rating factors that aid in calculating the level of your policy premiums. If you understand what influences your rates, this helps enable you to make changes that could result in lower rates. Many factors are part of the calculation when you quote your car insurance policy. Some factors are common sense like an MVR report, but other criteria are not as apparent like your continuous coverage or your vehicle rating.

Coverage statistics and figures

The data table shown next covers a range of rate quotes for Suzuki Grand Vitara models. Understanding more about how rate quotes are calculated is important for you to make smart choices when buying a car insurance policy.


Suzuki Grand Vitara Insurance Rates in Boston, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $172 $310 $434 $26 $130 $1,072 $89
Grand Vitara Premium 2WD $172 $364 $434 $26 $130 $1,126 $94
Grand Vitara Premium 4WD $172 $364 $434 $26 $130 $1,126 $94
Grand Vitara Limited 2WD $172 $364 $434 $26 $130 $1,126 $94
Grand Vitara Special Edition 4WD $172 $364 $434 $26 $130 $1,126 $94
Grand Vitara XSport 2WD $172 $364 $434 $26 $130 $1,126 $94
Grand Vitara Limited 4WD $192 $364 $434 $26 $130 $1,146 $96
Grand Vitara XSport 4WD $192 $364 $434 $26 $130 $1,146 $96
Get Your Own Custom Quote Go

Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Premium costs do not factor in specific garaging location which can change premiums significantly.

An analysis of deductible level

A question often asked by Boston drivers is the level to set your comp and collision deductibles. The following insurance rates illustrate the price difference of buying low and high coverage deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.


Suzuki Grand Vitara insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $292 $436 $334 $20 $100 $1,207 $101
Grand Vitara Premium 2WD $292 $512 $334 $20 $100 $1,283 $107
Grand Vitara Premium 4WD $292 $512 $334 $20 $100 $1,283 $107
Grand Vitara Limited 2WD $292 $512 $334 $20 $100 $1,283 $107
Grand Vitara Special Edition 4WD $292 $512 $334 $20 $100 $1,283 $107
Grand Vitara XSport 2WD $292 $512 $334 $20 $100 $1,283 $107
Grand Vitara Limited 4WD $324 $512 $334 $20 $100 $1,315 $110
Grand Vitara XSport 4WD $324 $512 $334 $20 $100 $1,315 $110
Get Your Own Custom Quote Go

Suzuki Grand Vitara insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $236 $350 $334 $20 $100 $1,040 $87
Grand Vitara Premium 2WD $236 $414 $334 $20 $100 $1,104 $92
Grand Vitara Premium 4WD $236 $414 $334 $20 $100 $1,104 $92
Grand Vitara Limited 2WD $236 $414 $334 $20 $100 $1,104 $92
Grand Vitara Special Edition 4WD $236 $414 $334 $20 $100 $1,104 $92
Grand Vitara XSport 2WD $236 $414 $334 $20 $100 $1,104 $92
Grand Vitara Limited 4WD $264 $414 $334 $20 $100 $1,132 $94
Grand Vitara XSport 4WD $264 $414 $334 $20 $100 $1,132 $94
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Premium amounts do not factor in specific Boston garaging location which can raise or lower insurance rates considerably.

We can estimate from the data above that using a $250 deductible could cost the average driver approximately $15 more each month or $180 annually 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 tend to average at least 17 months between claims, you would most likely save money if you choose a higher deductible.

The information below illustrates how your deductible choice and can impact Suzuki Grand Vitara insurance prices for different age groups. The premiums are based on a married male driver, full coverage, and no other discounts are factored in.

Age, gender, and Suzuki Grand Vitara insurance

The chart below compares Suzuki Grand Vitara insurance costs for male and female drivers. Data assumes no claims or driving violations, comp and collision included, $250 deductibles, drivers are single, and no discounts are taken into consideration.

Full coverage rates compared to liability-only

The information below shows the difference between Suzuki Grand Vitara annual premium costs when comparing full coverage to state minimum liability only. The premiums are based on no claims or driving citations, $100 deductibles, single marital status, and no other discounts are factored in.

When to eliminate full coverage

There isn’t a steadfast formula of when to stop paying for comp and collision coverage, but there is a general guideline. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your Suzuki Grand Vitara book value is $3,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $2,000 after the deductible is paid. If you are paying more than $200 a year for physical damage coverage, then you might want to think about dropping full coverage.

There are some circumstances where dropping full coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.

Get cheaper Suzuki Grand Vitara insurance in Boston with discounts

Auto insurance is not cheap nor is it fun to buy but companies offer discounts that can dramatically reduce your bill. A few discounts will be applied when you purchase, but a few must be inquired about in order for you to get them.Cheaper auto insurance with discounts

Just know that some of the credits will not apply to the entire cost. A few only apply to the price of certain insurance coverages like medical payments or collision. Even though it appears adding up those discounts means a free policy, you won’t be that lucky.

The chart below compares Suzuki Grand Vitara yearly insurance costs with and without discounts. The rate quotes are based on a female driver, no claims, a clean driving record, Massachusetts state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, multi-car, homeowner, marriage, and safe-driver discounts applied.

Large auto insurance companies and a partial list of their discounts are shown below.

It’s a good idea to ask each company how many discounts you can get. Some of the earlier mentioned discounts might not be offered on policies in Boston. If you would like to view providers that have a full spectrum of discounts in Massachusetts, click here.

Don’t give up on cheaper rates

As you restructure your insurance plan, don’t be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed uninsured motorist or liability limits only to regret at claim time that they should have had better coverage. The goal is to get the best coverage possible at the best price, but do not sacrifice coverage to save money.

We’ve covered a lot of techniques to get a better price on Suzuki Grand Vitara insurance in Boston. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the best prices are with a smaller regional carrier. They can often provide lower rates in certain areas compared to the large companies like State Farm or Progressive.

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