When shopping for cheaper insurance, are you confused by the sheer number of car insurance choices available to you? There are such a vast assortment of choices available that it can easily turn into a difficult situation to find a more affordable company. If you’ve ever been there, you know that New Orleans is a great city to live in, but paying high car insurance rates can make it hard for many residents to buy full coverage.
Steps to finding lower priced Suzuki Grand Vitara insurance in New Orleans
If you want to find the absolute lowest rates, then the best way to get affordable Suzuki Grand Vitara insurance in New Orleans is to start comparing prices regularly from insurers who provide auto insurance in Louisiana. You can shop around by following these steps.
- First, try to learn about how auto insurance works and the measures you can take to keep rates in check. Many policy risk factors that cause high rates such as traffic citations, accidents, and a not-so-good credit score can be eliminated by making small lifestyle or driving habit changes. Read the full article for additional ideas to help reduce premium rates and get discounts that may be available to you.
- Second, request price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive and State Farm, while independent agents can give you price quotes from multiple companies. Begin your rate comparison
- Third, compare the new rate quotes to your existing coverage to determine if you can save on Grand Vitara insurance. If you find better rates and make a switch, make sure there is no coverage gap between policies.
One thing to remember is to compare the same coverage limits and deductibles on each quote request and and to get price estimates from as many auto insurance providers as possible. This provides a level playing field and the best price quote selection.
It’s an obvious statement that car insurance companies want to keep you from shopping around. Insureds who shop around for cheaper price quotes are very likely to move their business because they have good chances of finding lower rate quotes. A recent car insurance study revealed that consumers who compared prices regularly saved on average $3,400 over four years compared to drivers who never shopped around.
If finding discount rates on auto insurance is your target objective, understanding how to shop and compare car insurance can help you be more efficient.
Consumers should take time to check car insurance prices every six months because insurance prices are rarely the same from one policy term to another. Even if you got the best deal on Suzuki Grand Vitara insurance in New Orleans six months ago other companies may now be cheaper. Block out anything you think you know about car insurance because we’re going to demonstrate the quickest way to get good coverage on Suzuki Grand Vitara insurance in New Orleans at a lower rate.
Finding the cheapest auto insurance coverage in New Orleans can initially seem challenging. Practically each driver who is shopping for auto insurance will probably be able to find lower rates. But Louisiana vehicle owners do need to learn how insurance companies calculate your auto insurance rates and apply this information to your search.
Companies offer many types of discounts on Suzuki Grand Vitara insurance in New Orleans
Car insurance is easily one of your largest bills, but there’s a good chance there are discounts that many people don’t even know exist. Some discounts will apply when you get a quote, but less common discounts must be asked about before you get the savings.
- Driver’s Education for Students – Have your child participate in a local driver’s education class as it will make them better drivers and lower rates.
- E-sign Discounts – A handful of larger companies will give a small break shop New Orleans car insurance on their website.
- Multi-policy Discount – If you combine your home and auto policies with one insurance company you could earn a discount of as much as 10 to 15 percent.
- Pay Now and Pay Less – If paying your policy premium upfront rather than spreading payments over time you could save up to 5%.
- Multi-line Discount – Larger insurance companies have a discounted premium rate on car insurance if you buy life insurance.
- Onboard Data Collection – Drivers that enable their car insurance company to spy on vehicle usage by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they are good drivers.
- Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts of 20% or more.
- Senior Citizen Discount – Drivers over the age of 55 may be able to get a small decrease in premiums.
- College Student – Youth drivers who are enrolled in a college that is more than 100 miles from New Orleans and won’t have access to an insured vehicle can receive lower rates.
A little disclaimer on discounts, most credits do not apply to the entire policy premium. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Even though the math looks like having all the discounts means you get insurance for free, that’s just not realistic. Any qualifying discounts will reduce the amount you pay for coverage.
The information below visualizes the comparison of Suzuki Grand Vitara auto insurance rates with and without discounts applied. The premium estimates are based on a male driver, a clean driving record, no claims, Louisiana state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-car, multi-policy, homeowner, and marriage discounts applied.
A list of car insurance companies and their possible discounts are outlined below.
- State Farm includes discounts for defensive driving training, good student, Steer Clear safe driver discount, good driver, safe vehicle, anti-theft, and driver’s education.
- GEICO discounts include daytime running lights, multi-policy, good student, driver training, anti-lock brakes, anti-theft, and membership and employees.
- Allstate offers discounts for premier plus, auto/life discount, safe driver, FullPay discount, senior citizen, and utility vehicle.
- SAFECO offers discounts including anti-theft, teen safe driver, teen safety rewards, multi-car, accident prevention training, anti-lock brakes, and drive less.
- Farm Bureau may have discounts that include youthful driver, renewal discount, safe driver, driver training, multi-policy, 55 and retired, and multi-vehicle.
- Progressive has savings for online signing, good student, homeowner, continuous coverage, online quote discount, and multi-vehicle.
- AAA may include discounts for good driver, anti-theft, multi-car, pay-in-full, good student, and multi-policy.
When getting a coverage quote, ask all companies you are considering how many discounts you can get. Depending on the company, some discounts may not apply to policies in New Orleans. To choose providers with discount car insurance rates in New Orleans, click this link.
To find more affordable rates, there are a couple of ways to compare rate quotes from many available car insurance companies in Louisiana. The fastest way to comparison shop is to get quotes online. Just remember that quoting more gives you a better chance of getting a better price. Not every company does price estimates online, so you should also compare price estimates from them, too.
The following companies are our best choices to provide quotes in Louisiana. In order to find the cheapest car insurance in Louisiana, it’s a good idea that you visit several of them in order to get a fair rate comparison.
Insurance coverage details
The data table shown below highlights estimates of insurance prices for Suzuki Grand Vitara models. Being aware of how car insurance premiums are established can aid in making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Vitara 2WD | $388 | $708 | $488 | $28 | $146 | $1,758 | $147 |
| Grand Vitara Premium 2WD | $388 | $834 | $488 | $28 | $146 | $1,884 | $157 |
| Grand Vitara Premium 4WD | $388 | $834 | $488 | $28 | $146 | $1,884 | $157 |
| Grand Vitara Limited 2WD | $388 | $834 | $488 | $28 | $146 | $1,884 | $157 |
| Grand Vitara Special Edition 4WD | $388 | $834 | $488 | $28 | $146 | $1,884 | $157 |
| Grand Vitara XSport 2WD | $388 | $834 | $488 | $28 | $146 | $1,884 | $157 |
| Grand Vitara Limited 4WD | $432 | $834 | $488 | $28 | $146 | $1,928 | $161 |
| Grand Vitara XSport 4WD | $432 | $834 | $488 | $28 | $146 | $1,928 | $161 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Louisiana minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Prices do not factor in specific garaging location which can increase or decrease coverage rates greatly.
Higher deductibles lower rates
One frequently asked question is how high should the physical damage coverage deductibles be. The rates below can help you visualize the differences in price between low and high policy deductibles. The first rate table uses a $100 deductible for physical damage and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Vitara 2WD | $452 | $722 | $464 | $28 | $140 | $1,831 | $153 |
| Grand Vitara Premium 2WD | $452 | $850 | $464 | $28 | $140 | $1,959 | $163 |
| Grand Vitara Premium 4WD | $452 | $850 | $464 | $28 | $140 | $1,959 | $163 |
| Grand Vitara Limited 2WD | $452 | $850 | $464 | $28 | $140 | $1,959 | $163 |
| Grand Vitara Special Edition 4WD | $452 | $850 | $464 | $28 | $140 | $1,959 | $163 |
| Grand Vitara XSport 2WD | $452 | $850 | $464 | $28 | $140 | $1,959 | $163 |
| Grand Vitara Limited 4WD | $502 | $850 | $464 | $28 | $140 | $2,009 | $167 |
| Grand Vitara XSport 4WD | $502 | $850 | $464 | $28 | $140 | $2,009 | $167 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Vitara 2WD | $330 | $488 | $464 | $28 | $140 | $1,450 | $121 |
| Grand Vitara Premium 2WD | $330 | $574 | $464 | $28 | $140 | $1,536 | $128 |
| Grand Vitara Premium 4WD | $330 | $574 | $464 | $28 | $140 | $1,536 | $128 |
| Grand Vitara Limited 2WD | $330 | $574 | $464 | $28 | $140 | $1,536 | $128 |
| Grand Vitara Special Edition 4WD | $330 | $574 | $464 | $28 | $140 | $1,536 | $128 |
| Grand Vitara XSport 2WD | $330 | $574 | $464 | $28 | $140 | $1,536 | $128 |
| Grand Vitara Limited 4WD | $366 | $574 | $464 | $28 | $140 | $1,572 | $131 |
| Grand Vitara XSport 4WD | $366 | $574 | $464 | $28 | $140 | $1,572 | $131 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in specific location which can affect coverage rates noticeably.
Based on the figures above, using a $100 deductible will cost you roughly $35 more each month or $420 each year than opting for the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you normally go at least 11 months between claims, you would probably save some money by selecting a higher deductible.
Calculate savings of higher deductibles
| Average monthly premium for $100 deductibles: | $163 |
| Average monthly premium for $500 deductibles (subtract): | – $128 |
| Monthly savings from raising deductible: | $35 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $35 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 11 months |
One thing to note is that raising deductibles to get cheaper rates means you pay more out-of-pocket when you have to file a claim. You must have a higher level of savings in the event you need to pay the higher deductible in order to repair your vehicle.
The illustration below demonstrates how deductibles and can impact Suzuki Grand Vitara insurance rates for each different age category. The data is based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Does full coverage make sense?
The example below compares Suzuki Grand Vitara insurance costs with full physical damage coverage compared to only buying liability only. The price estimates are based on no claims or driving citations, $100 deductibles, single marital status, and no policy discounts are applied.
Are you wasting money paying for full coverage?
There is no definitive rule to eliminate full coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than about 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.
For example, let’s say your Suzuki Grand Vitara replacement value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $5,000 after paying your policy deductible. If you are paying more than $500 a year for full coverage, then it’s probably a good time to buy liability coverage only.
There are some situations where dropping full coverage is not a good idea. If you still have a lienholder on your title, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.
What if I want to buy from local New Orleans insurance agencies?
Many people would rather buy from a local agent and that is OK! The biggest benefit of comparing insurance prices online is you may find cheap car insurance rates and still have an agent to talk to.
Once you complete this quick form, your coverage information is sent to participating agents in New Orleans that provide free New Orleans car insurance quotes for your insurance coverage. It makes it easy because there is no need to find an agent due to the fact that quote results will go straight to your inbox. You can find better rates and an insurance agent to talk to. In the event you want to get a price quote from one company in particular, don’t hesitate to go to their quote page and fill out the quote form the provide.
Picking an insurance company shouldn’t rely on just the bottom line cost. Here are some questions to ask:
- How long has their agency been in business in New Orleans?
- Will one accident increase rates?
- Do they have designations such as AIC, CPCU, or CIC?
- Is auto insurance their primary focus in New Orleans?
- Do they get extra compensation for selling add-on coverages?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
The different types of car insurance agents
When looking for a local agent, it’s helpful to know the different agency structures and how they are slightly different. Car insurance policy providers can either be independent (non-exclusive) or exclusive.
Exclusive Agencies
Exclusive insurance agents can only provide one company’s prices such as Allstate and State Farm. They usually cannot shop your coverage around so keep that in mind. Exclusive agencies are usually quite knowledgeable on what they offer and that can be a competitive advantage. Consumers frequently buy from the same agent for years mainly due to high brand loyalty and the convenience of having all coverages with one company.
Shown below are exclusive insurance agents in New Orleans willing to provide price quotes.
- Alan Jackson – State Farm Insurance Agent
7045 Read Blvd Ste 108 – New Orleans, LA 70127 – (504) 241-6799 – View Map - Nick Pontiff – State Farm Insurance Agent
229 N Genois St – New Orleans, LA 70119 – (504) 309-8773 – View Map - Randy Bordlee – State Farm Insurance Agent
4650 General De Gaulle Dr #102 – New Orleans, LA 70131 – (504) 392-9300 – View Map
Independent Car Insurance Agencies
These type of agents often have many company appointments so they can write business with any number of different companies and get you the best rates possible. If they find a cheaper price, your agent can just switch to a different company which makes it simple for you.
When comparing car insurance rates, you need to get quotes from several independent agencies to get the best comparison. Most also write with companies that do not advertise much who may have lower rates.
Shown below is a list of independent insurance agencies in New Orleans willing to provide rate quotes.
- Olympus Insurance Agency
101 W Robert E Lee Blvd #405 – New Orleans, LA 70124 – (504) 535-7755 – View Map - Dan Burghardt Insurance Agency
5741 Crowder Blvd – New Orleans, LA 70127 – (504) 241-7283 – View Map - Hartwig Moss Insurance Agency
2626 Canal St #3 – New Orleans, LA 70119 – (504) 525-9901 – View Map
If you receive positive responses to all your questions and locked in a price quote, you’ve probably found an insurance agent that is a good match to provide car insurance coverage. But remember, you have the power to terminate coverage whenever you choose to so don’t assume you are locked into the car insurance policy with no way out.
One last thing about your coverage
When shopping online for insurance, don’t be tempted to buy less coverage just to save a little money. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to regret at claim time that it was a big error on their part. Your goal is to purchase plenty of coverage for the lowest cost, but do not sacrifice coverage to save money.
People leave their current company for any number of reasons including policy cancellation, high prices, policy non-renewal and even unfair underwriting practices. Regardless of your reason, finding a new insurance company is actually quite simple.
Affordable Suzuki Grand Vitara insurance in New Orleans can be bought online as well as from insurance agents, so you need to quote New Orleans car insurance with both in order to have the best price selection to choose from. Some insurance companies may not offer online rate quotes and these regional carriers only sell through independent insurance agents.
Steps to buying lower priced Suzuki Grand Vitara insurance in New Orleans
If your goal is the lowest price, then the best way to get affordable Suzuki Grand Vitara insurance in New Orleans is to compare prices regularly from insurers who sell insurance in Louisiana.
- Step 1: Take a few minutes and learn about policy coverages and the things you can control to prevent high rates. Many risk factors that cause rate increases like at-fault accidents, speeding tickets, and poor credit history can be amended by making minor changes in your lifestyle.
- Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO and State Farm, while agents who are independent can give you price quotes from many different companies. Click to view companies
- Step 3: Compare the new rates to the premium of your current policy to see if a cheaper price is available. If you can save money, ensure there is no coverage lapse between policies.
- Step 4: Provide adequate notice to your current company of your intent to cancel the current policy and submit a down payment along with a signed application to your new insurance company. Once received, keep the new certificate verifying proof of insurance with your registration paperwork.
An important note is to use similar deductibles and liability limits on each quote request and and to get rate quotes from every company you can. This enables an apples-to-apples comparison and the best price selection.
Additional resources
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Who Has Cheap Car Insurance for Uber Drivers in New Orleans? (FAQ)
- How Much is New Orleans Auto Insurance for a Hyundai Santa Fe? (FAQ)
- Who Has the Cheapest New Orleans Car Insurance for College Students? (FAQ)
- Who Has the Cheapest Auto Insurance for a Jeep Grand Cherokee in New Orleans? (FAQ)
- Who Has the Cheapest Auto Insurance for Low Credit Scores in New Orleans? (FAQ)
- What Car Insurance is Cheapest for Drivers with a DUI in New Orleans? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Dodge Grand Caravan in New Orleans? (FAQ)
- How Much are New Orleans Auto Insurance Quotes for 16 Year Olds? (FAQ)
- Credit and Insurance Scores (Insurance Information Institute)
- Keeping Children Safe in Crashes Video (iihs.org)