Finding budget-priced Portland Suzuki Grand Vitara insurance quotes might appear impossible for drivers new to quoting and comparing rates and buying auto insurance on the internet. With so many insurance agents and online companies, how can anyone even start to compare every company in order to find cheaper auto insurance rates?
Surprisingly, a recent survey revealed that the vast majority of auto insurance customers have stayed with the same insurance company for at least four years, and 38% of customers have never compared auto insurance rates at all. Oregon consumers can cut their rates by about $967 a year just by getting comparison quotes, but they underestimate the rate savings if they switched to a cheaper policy.
Finding the best-priced policy in Portland is quite easy. In a nutshell, every person who requires lower cost auto insurance will most likely find a cheaper policy. But Oregon car owners must understand how the larger insurance companies set your policy premium and take advantage of how the system works.
To find the cheapest Suzuki Grand Vitara rate quotes, there are several ways of comparing rate quotes from insurance companies in your area. The quickest method to find competitive Suzuki Grand Vitara insurance rates consists of shopping online. It’s important to know that getting more free quotes increases the chance that you will find a lower rate. Some insurance companies are not set up to provide online Portland Grand Vitara insurance quotes, so it’s necessary to compare rates from them as well.
The car insurance companies shown below can provide comparison quotes in Oregon. If you want cheap car insurance in OR, it’s a good idea that you click on several of them in order to get a fair rate comparison.
Rates and data analysis
The price information displayed below highlights estimates of insurance policy prices for Suzuki Grand Vitara models. Knowing how car insurance prices are established can help guide drivers when making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Vitara 2WD | $194 | $346 | $362 | $22 | $108 | $1,032 | $86 |
| Grand Vitara Premium 2WD | $194 | $408 | $362 | $22 | $108 | $1,094 | $91 |
| Grand Vitara Premium 4WD | $194 | $408 | $362 | $22 | $108 | $1,094 | $91 |
| Grand Vitara Limited 2WD | $194 | $408 | $362 | $22 | $108 | $1,094 | $91 |
| Grand Vitara Special Edition 4WD | $194 | $408 | $362 | $22 | $108 | $1,094 | $91 |
| Grand Vitara XSport 2WD | $194 | $408 | $362 | $22 | $108 | $1,094 | $91 |
| Grand Vitara Limited 4WD | $218 | $408 | $362 | $22 | $108 | $1,118 | $93 |
| Grand Vitara XSport 4WD | $218 | $408 | $362 | $22 | $108 | $1,118 | $93 |
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Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Oregon minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Price information does not factor in your specific Portland location which can affect price quotes greatly.
Driving violations and accidents
The chart below highlights how speeding tickets and accidents can increase Suzuki Grand Vitara annual premium costs for different age categories. Data assumes a married female driver, full coverage, $500 deductibles, and no policy discounts are applied.
Difference between liability only and full coverage rates
The example below shows the difference between Suzuki Grand Vitara car insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no claims or violations, $1,000 deductibles, drivers are single, and no discounts are applied.
Guidelines for eliminating full coverage
There is no exact formula of when to stop paying for physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
For example, let’s assume your Suzuki Grand Vitara replacement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $4,000 after paying your policy deductible. If it’s costing you more than $400 a year for physical damage coverage, then it could be time to drop full coverage.
There are some circumstances where only buying liability is not recommended. If you have an outstanding loan on your vehicle, you have to maintain full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.
Insurance just makes sense
Even though Portland Grand Vitara insurance rates can get expensive, insurance serves an important purpose.
- The majority of states have minimum mandated liability insurance limits which means the state requires specific limits of liability insurance in order to drive the car legally. In Oregon these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
- If you have a loan on your Suzuki Grand Vitara, most banks will have a requirement that you carry insurance to ensure they get paid if you total the vehicle. If you let the policy lapse, the lender will be forced to insure your Suzuki for a much higher rate and force you to pay a much higher amount than you were paying before.
- Insurance protects not only your Suzuki Grand Vitara but also your financial assets. It will also reimburse you for all forms of medical expenses that are the result of an accident. As part of your policy, liability insurance also covers legal expenses if you are sued as the result of your driving. If mother nature or an accident damages your car, your insurance policy will pay to restore your vehicle to like-new condition.
The benefits of carrying enough insurance outweigh the cost, especially for larger claims. Today the average American driver overpays as much as $869 every year so you should quote your policy with other companies at every policy renewal to ensure rates are inline.
Eight Things That Determine Your Insurance Rates
Lots of factors are used in the calculation when premium rates are determined. Some are obvious like a motor vehicle report, but some are less apparent like your continuous coverage or how financially stable you are.
How many coverages with the same company – Some insurance companies give better rates to clients who consolidate policies with them, otherwise known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even if you qualify for this discount already, it’s in your best interest to get quotes from other companies to confirm you are receiving the best rates possible.
Gender as a rate factor – Over the last 30 years, statistics show women are more cautious behind the wheel. Now that doesn’t mean females are better at driving than males. Both sexes cause auto accidents in similar numbers, but the males get into accidents with more damage. Men also tend to get more serious tickets such as reckless driving.
The chart below compares Suzuki Grand Vitara car insurance costs for male and female drivers. The rate quotes are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, single marital status, and no policy discounts are applied.
You might want pay the inexpensive claims yourself – Companies in Oregon award discounts to drivers who only file infrequent claims. If you file claims often, you can look forward to much higher rates or policy non-renewal. Your car insurance is intended for more catastrophic claims.
Insurance premiums are higher for high performance vehicles – The type of vehicle you are insuring makes a significant difference in your premium level. The cheapest insurance rates are usually found on small economy passenger cars, but other factors influence the final cost greatly.
The chart below assumes a single female driver age 40, full coverage with $500 deductibles, and no discounts or violations. The chart compares Suzuki Grand Vitara car insurance rates compared to other models of vehicles that have different performance rating factors.
Theft deterrents save – Selecting a car model with a theft deterrent system can help lower your premiums. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent your car from being stolen.
Better credit means lower costs – Having a good credit score is a big factor in determining what you pay for insurance. So if your credit history is low, you could potentially save money when insuring your Suzuki Grand Vitara if you clean up your credit. Consumers who have good credit tend to be better drivers and file fewer claims than drivers with bad credit.
Commute or pleasure use – The more miles you rack up on your Suzuki every year the more you will pay for insurance. Most insurance companies calculate prices based upon how much you drive. Autos that do not get driven very much get more affordable rates than vehicles that are driven to work every day. An improperly rated Grand Vitara may be costing you higher rates. It’s a smart idea to ensure your insurance policy reflects how each vehicle is driven, because improper ratings can cost you money.
High physical damage deductibles save money – Physical damage protection, otherwise known as comp (or other than collision) and collision, covers your vehicle from damage. Some examples of covered claims are a broken windshield, collision with an animal, and rolling your vehicle. Comprehensive and collision coverage deductibles define how much you are willing to pay if a claim is determined to be covered. The larger the amount you’re willing to pay, the less your company will charge you for insurance.
These discounts can lower your auto insurance quotes
Auto insurance is not cheap nor is it fun to buy but you might already qualify for some discounts that could help you make your next renewal payment. Certain credits will be shown at the time of quoting, but some need to be requested specifically before being credited. If you don’t get every credit you deserve, you are just wasting money.
- Military Discounts – Being on active duty in the military can result in better auto insurance rates.
- Theft Deterrent – Cars and trucks with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
- First Accident Forgiveness – Not a discount per se, but companies like Progressive, State Farm and GEICO may permit one accident before they charge you more for coverage so long as you are claim-free for a certain period of time.
- College Student Discount – Any of your kids who are enrolled in higher education away from home and don’t have a car can receive lower rates.
- New Car Discount – Buying a new car model is cheaper because newer models have to meet stringent safety requirements.
- Claim Free – Drivers with accident-free driving histories can save substantially as opposed to insureds who have frequent claims or accidents.
- Defensive Driving Course – Taking a course teaching driver safety skills may get you a small discount and also improve your driving technique.
It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to individual premiums such as comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, companies don’t profit that way. But any discount should help reduce the amount you have to pay.
The information below shows the comparison of Suzuki Grand Vitara insurance prices with and without discounts applied to the policy premium. The premium estimates are based on a male driver, no claims or driving citations, Oregon state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, safe-driver, claim-free, multi-car, and multi-policy discounts applied.
Some of the larger companies that may have most of these discounts include:
Check with each company which credits you are entitled to. Discounts may not apply in Portland. To view insurance companies that offer multiple discounts in Oregon, click here.
Tailor your car insurance coverage to you
When selecting coverage, there really is no cookie cutter policy. Your situation is unique.
Here are some questions about coverages that might help in determining if your insurance needs would benefit from an agent’s advice.
- What does PIP insurance cover?
- When does my teenage driver need to be added to my policy?
- Does coverage extend to Mexico or Canada?
- Is pleasure use cheaper than using my Suzuki Grand Vitara to commute?
- How high should my uninsured/underinsured coverage be in Oregon?
- What is the difference between personal and commercial auto insurance policies?
- Are there companies who specialize in insuring high-risk drivers?
If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.
Compare rates but buy from a local Portland insurance agency
Some people would rather get professional advice from a licensed agent and doing that can be a smart decision An additional benefit of price shopping on the web is the fact that drivers can get the best rates but still work with a licensed agent. Buying from neighborhood agents is important especially in Portland.
To make it easy to find an agent, after completing this short form, your coverage information is instantly submitted to local insurance agents that can give you free Portland auto insurance quotes for your insurance coverage. You don’t have to contact any agents as quotes are delivered to you. You can find the lowest rates AND an agent nearby. If you need to quote rates from a specific auto insurance provider, you would need to jump over to their website to submit a rate quote request.
If you would like to find a reliable agent, there are two different types of agencies from which to choose. Portland agents can either be independent or exclusive.
Independent Auto Insurance Agencies
Agents that choose to be independent do not work for one specific company so they can write business through many companies and potentially find a lower price. If they quote lower rates, your agent can just switch to a different company and the insured can keep the same agent.
When searching for an agent, you absolutely need to compare quotes from several independent insurance agents so that you can do a thorough price comparison. Most have the option of insuring with mutual insurance companies that may have much lower rates than larger companies.
Below is a partial list of independent agents in Portland that may be able to give free price quotes.
- Nationwide Insurance: Eric L Weber Agency
4415 NE Sandy Blvd Ste 200 – Portland, OR 97213 – (503) 249-7667 – View Map - Pibal Insurance Brokers of Oregon
1314 NW Irving St – Portland, OR 97209 – (503) 287-8808 – View Map - Metro One Insurance Agency
3423 S Telegraph Rd, Dearborn, MI 48124 – Dearborn, OR 48124 – (313) 456-9455 – View Map
Exclusive Auto Insurance Agencies
Agents that choose to be exclusive can only provide pricing for a single company and some examples include Allstate, State Farm and Farm Bureau. These agents are unable to provide rate quotes from other companies so they really need to provide good service. Exclusive agencies are well trained on sales techniques which helps them sell insurance even at higher premiums. Consumers often buy from the same agent for years primarily because of the brand name instead of buying on price only.
The following is a short list of exclusive agencies in Portland that can give you rate quotes.
- Gustavo Soares – State Farm Insurance Agent
650 NE Holladay St Ste 1600 – Portland, OR 97232 – (503) 287-0027 – View Map - Allstate Insurance: Dick Hannah Insurance Agency
12345 E Burnside St – Portland, OR 97233 – (360) 816-8439 – View Map - Todd Houser – State Farm Insurance Agent
7515 SW Barnes Rd #101 – Portland, OR 97225 – (503) 297-3788 – View Map
Choosing a insurance agency should include more criteria than just a cheap price. Some important questions to ask are:
- Can you get a list of referrals?
- Do the companies they represent have a solid financial rating?
- If you are a high risk driver, do they have special markets for your coverage?
- How many years have they been established?
- How often do they review coverages?
If you receive positive feedback to your questions as well as cheap Grand Vitara insurance quotes, you may have found an auto insurance agent that is reputable and can insure your vehicles. Just be aware that once you purchase a policy you can terminate coverage whenever you want so don’t think that you are obligated to a specific company for a certain time period.
Cover all your bases
Drivers leave their current company for a number of reasons such as extreme rates for teen drivers, lack of trust in their agent, high rates after DUI convictions and even unfair underwriting practices. It doesn’t matter what your reason, switching car insurance companies can be easier than you think.
When you buy Portland auto insurance online, you should never skimp on coverage in order to save money. There have been many cases where someone sacrificed physical damage coverage and learned later that they should have had better coverage. Your goal is to buy enough coverage at an affordable rate, but do not sacrifice coverage to save money.
We’ve covered many ways to reduce Suzuki Grand Vitara insurance auto insurance rates online in Portland. It’s most important to understand that the more companies you get premium rates for, the better your comparison will be. Drivers may even discover the lowest priced car insurance comes from the least-expected company.
Steps to finding affordable quotes for Suzuki Grand Vitara insurance in Portland
If saving money is your primary concern, then the best way to get low-cost Suzuki Grand Vitara insurance in Portland is to compare prices annually from providers in Oregon.
- Learn about policy coverages and the steps you can take to prevent expensive coverage. Many factors that cause high rates like at-fault accidents, speeding tickets, and a less-than-favorable credit history can be rectified by being financially responsible and driving safely.
- Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from a single company like Progressive or State Farm, while independent agents can provide price quotes for a wide range of insurance providers.
- Compare the new quotes to your existing coverage and determine if there is any savings. If you find better rates and buy the policy, ensure there is no coverage lapse between policies.
- Notify your company or agent of your decision to cancel your current auto insurance policy. Submit payment along with a signed and completed policy application to the newly selected company. Once the paperwork is finalized, place the new proof of insurance paperwork in your glove compartment.
The most important part of shopping around is to try to compare the same physical damage deductibles and liability limits on every quote and and to analyze as many car insurance companies as possible. This provides a fair price comparison and the best rate selection.
Additional articles
- What to do at the Scene of an Accident (Insurance Information Institute)
- How Much are Portland Auto Insurance Quotes for Postal Workers? (FAQ)
- How Much are Portland Car Insurance Rates for Good Drivers? (FAQ)
- Who Has Cheap Portland Auto Insurance Quotes for a Ford Edge? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Hyundai Elantra in Portland? (FAQ)
- Learn About Car Insurance (GEICO)
- Where can I buy Insurance? (Insurance Information Institute)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- Tools for Teen Driving Safety (State Farm)