SUV Insurance
If your family is growing or you have put on so much weight, then you need a bigger ride with more room, and you are probably in the market for a sports utility (SUV) vehicle. These cars have skyrocketed in popularity the last couple decades and now outpace sedans in overall sales. They are popular with traditional soccer moms to singles that want a bigger vehicle to fit their active lifestyle.
Before you go out and buy the first one you see, however, you should check out the SUV insurance costs beforehand.
Believe it or not, all SUVs are not charged the same insurance rates. Prices can vary widely depending on the model and features. The good news is that several types have premiums near those of sedans. Get a free quote today and get your rate check up with good to go insurance.
Why is SUV Insurance more Expensive?
For the most part, S-U-V auto insurance is going to be more costly. There are a couple of main reasons why. The first is the vehicle cost. In general, these larger autos are more expensive than smaller sedans. With a higher price comes more coverage and a higher premium. Many sport utility automobiles cost $10,000 more, or higher than four-door sedans like a Toyota Camry. They often outweigh regular cars by 1,000 pounds or more and come with features like a four-wheel drive that are costly to repair if damaged.
When a claim is made involving one of these big autos, you can bet that everything from the bodywork to a full replacement is going to be more pricey than a smaller sedan, this is why premiums are set higher. Most people do not mind however paying a bit more for coverage because they get so much back in added safety and overall usefulness. People love being able to pile in chairs or surfboards. With ease.
Another reason sports utilities are higher to insure is the replacement cost. These automobiles are highly sought after by thieves and if stolen, cost more to replace. If you buy a $70,000 Escalade that thieves love to target, premiums are going to be much higher than a $29,000 Chevy Malibu.
Another apparent reason is these massive rides do a lot of damage when they get into accidents. They can total other vehicles even at low speeds and cause expensive repair bills. Get quoted online now with good to go insurance and lower your insurance cost in minutes.
SUV that are Cheap to Insure
While in general SUVs do cost more to insure than cars, that’s not always the case. Several models are surprisingly inexpensive.
This include:
* The Ford Edge SE
This smaller SUV is fun to drive and cheap to insure. According to insure.com, average annual premiums are about $1,125. That is less than $100 a month, good for almost any budget.
* The Jeep Grand Cherokee
This full-size sport-utility has astounding performance both on the road and off. Annual premiums average about $1,150 per year, making it one of the cheapest SUVs to insure anywhere.
Increase you Deductible to get Lower Premiums
One simple thing you can do to lower rates on any vehicle is to raise your deductible; this is especially smart for more expensive vehicles that can be costly to insure. Go for a deductible of $1,000 or more and you will save about 10% to 15% each year. Make sure you set aside the amount, though, in the event you need to file a claim.
Shop for the Best Rates Online
One of the easiest ways to get cheap S-U-V insurance is online. More people are going direct and finding better rates on the web, this is because insurers often have special rates on-line that you just can’t get through a broker. People also like the privacy and ability to make informed decisions without a salesperson putting pressure on them. Checking direct quotes is fast, free and with the help of sites like good to go insurance, you can save hundreds. Get the best SUV insurance online and save up to $550 today.