Save Money on Suzuki Grand Vitara Insurance in Jersey City

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Insurance rates Suzuki Grand Vitara in Jersey CityTo save the most money, the best way to find cheaper Suzuki Grand Vitara insurance in Jersey City is to compare quotes once a year from companies in New Jersey.

Step 1: Learn about auto insurance and the things you can control to lower rates. Many factors that cause high rates such as distracted driving and an imperfect credit history can be improved by making minor changes to your lifestyle.

Step 2: Compare rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like Progressive and State Farm, while agents who are independent can provide prices from multiple insurance companies. Compare rates now

Step 3: Compare the new rate quotes to your existing coverage to see if a cheaper price is available in Jersey City. If you can save money and switch companies, ensure coverage does not lapse between policies.

Step 4: Tell your current agent or company of your intention to cancel the current policy. Submit payment and a completed application to your new carrier. Once the application is submitted, store the certificate of insurance in your vehicle's glove compartment or console.

An essential thing to point out is that you'll want to compare similar deductibles and liability limits on every quote request and and to get price estimates from as many different insurance providers as possible. Doing this ensures a level playing field and many rates to choose from.

A recent study showed that nearly 70% of customers have bought auto insurance from the same company for over three years, and just short of a majority have never even shopped around for lower-cost coverage. The average driver in America can save hundreds of dollars each year, but they just don't understand the amount of money they would save if they switched to a more affordable policy.

The fastest way that we advise to get policy rate comparisons for Suzuki Grand Vitara insurance in Jersey City utilizes the fact most insurance companies pay for the opportunity to give rate comparisons. All you need to do is provide details like the make and model of your vehicles, your general credit rating, distance driven, and if a SR-22 is needed. That rating data is automatically sent to multiple top-rated companies and you should receive rate quotes almost instantly.

To find the cheapest Suzuki Grand Vitara insurance rates, click here and complete the form.

The following companies can provide quotes in Jersey City, NJ. To get the cheapest auto insurance in Jersey City, it's highly recommended you get prices from several of them to get the cheapest price.

Car insurance statistics and figures

The premium information shown next highlights a range of insurance coverage prices for Suzuki Grand Vitara models. Being able to understand how car insurance premiums are determined can help guide drivers when making smart choices when selecting a policy.

Suzuki Grand Vitara Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $258 $394 $480 $28 $144 $1,304 $109
Grand Vitara Premium 2WD $258 $464 $480 $28 $144 $1,374 $115
Grand Vitara Premium 4WD $258 $464 $480 $28 $144 $1,374 $115
Grand Vitara Limited 2WD $258 $464 $480 $28 $144 $1,374 $115
Grand Vitara Special Edition 4WD $258 $464 $480 $28 $144 $1,374 $115
Grand Vitara XSport 2WD $258 $464 $480 $28 $144 $1,374 $115
Grand Vitara Limited 4WD $288 $464 $480 $28 $144 $1,404 $117
Grand Vitara XSport 4WD $288 $464 $480 $28 $144 $1,404 $117
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Premium amounts do not factor in garaging location in Jersey City which can influence prices significantly.

Car insurance deductibles

When buying car insurance, a common question is how high or low should comp and collision deductibles be. The figures shown below help summarize the differences in premium rates when you choose different policy deductibles. The first table uses a $100 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.

Suzuki Grand Vitara insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $466 $746 $480 $28 $144 $1,889 $157
Grand Vitara Premium 2WD $466 $880 $480 $28 $144 $2,023 $169
Grand Vitara Premium 4WD $466 $880 $480 $28 $144 $2,023 $169
Grand Vitara Limited 2WD $466 $880 $480 $28 $144 $2,023 $169
Grand Vitara Special Edition 4WD $466 $880 $480 $28 $144 $2,023 $169
Grand Vitara XSport 2WD $466 $880 $480 $28 $144 $2,023 $169
Grand Vitara Limited 4WD $520 $880 $480 $28 $144 $2,077 $173
Grand Vitara XSport 4WD $520 $880 $480 $28 $144 $2,077 $173
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Suzuki Grand Vitara insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Vitara 2WD $340 $504 $480 $28 $144 $1,496 $125
Grand Vitara Premium 2WD $340 $594 $480 $28 $144 $1,586 $132
Grand Vitara Premium 4WD $340 $594 $480 $28 $144 $1,586 $132
Grand Vitara Limited 2WD $340 $594 $480 $28 $144 $1,586 $132
Grand Vitara Special Edition 4WD $340 $594 $480 $28 $144 $1,586 $132
Grand Vitara XSport 2WD $340 $594 $480 $28 $144 $1,586 $132
Grand Vitara Limited 4WD $380 $594 $480 $28 $144 $1,626 $136
Grand Vitara XSport 4WD $380 $594 $480 $28 $144 $1,626 $136
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rates do not factor in garaging location in Jersey City which can affect auto insurance rates significantly.

We can derive from the above data that using a $100 deductible will cost you approximately $37 more each month or $444 a year across all Suzuki Grand Vitara models than selecting the higher $500 deductible. Since you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to have more than 11 months between claims, you would come out ahead if you choose a higher deductible. Here's an example of how you can do this calculation yourself.

Average monthly premium for $100 deductibles: $169
Average monthly premium for $500 deductibles (subtract): - $132
Monthly savings from raising deductible: $37
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $37
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 11 months

One important issue to know is that higher deductibles means you pay more out-of-pocket when you have a comprehensive or collision claim. That will force you to have enough money stashed away in the event you have to pay the deductible for vehicle repair.

Suzuki Grand Vitara insurance rates by gender in Jersey City

The illustration below shows the comparison of Suzuki Grand Vitara insurance costs for male and female drivers. The data assumes a clean driving record, no claims, full physical damage coverage, $250 deductibles, marital status is single, and no other discounts are factored in.

Local Jersey City insurance agencies and car insurance

A small number of people prefer to buy from a local agent and that is not a bad decision The best thing about comparing insurance prices online is that drivers can save money and get the best rates and still have a local agent. And supporting local insurance agents is important particularly in Jersey City.

Find insurance agent in Jersey CityAfter completing this short form, your insurance coverage information is immediately sent to local insurance agents who will gladly provide quotes for your car insurance coverage. You don't have to contact an agency because prices are sent immediately to your email address. You can find the lowest rates and a licensed agent to work with. If you wish to get a comparison quote from one company in particular, feel free to visit that company's website and submit a quote form there.

Choosing the best provider should depend on more than just the premium amount. The questions below may impact your decision as well.

  • Which company do they place the most coverage with?
  • How many companies do they write for?
  • Are they full-time agents?
  • Do you need full coverage on every vehicle?
  • Does the agent recommend any additional coverage?
  • Are there any discounts for paying up front?
  • Will they make sure you get an adequate claim settlement?
  • How often do they review policy coverages?

What is the best car insurance company in Jersey City?

Insuring your vehicle with the right insurance company can be difficult considering how many different companies there are to choose from in New Jersey. The company information in the next section can help you select which auto insurance companies to look at comparing rates with.

Top 10 Jersey City Car Insurance Companies Ranked by Value

  1. The Hartford
  2. Mercury Insurance
  3. Farmers Insurance
  4. Safeco Insurance
  5. AAA Insurance
  6. 21st Century
  7. Travelers
  8. State Farm
  9. Progressive
  10. American Family

Top 10 Jersey City Car Insurance Companies by A.M. Best Rank

  1. GEICO - A++
  2. Travelers - A++
  3. State Farm - A++
  4. USAA - A++
  5. Allstate - A+
  6. Nationwide - A+
  7. Mercury Insurance - A+
  8. Progressive - A+
  9. The Hartford - A+
  10. Esurance - A+