Sport utility vehicles aka SUVs are an awesome compromise for those who want the functionality and persona of a truck but need the practicality of a mini-van. However, the sticker price and insurance premiums can be higher. Making it less awesome for your piggy bank.
Finding the right coverage that won’t break the bank can be difficult. Our independent agents will be able to help you get the most bang for your buck. They’ll walk you through top options to find an SUV policy that fits your needs and budget.
SUV insurance is basically car insurance for your sport utility vehicle. SUVs are larger and more expensive than your typical car. Coverage is designed to protect with the cost and features of an SUV in mind.
SUV insurance is pretty close to regular car insurance. Premiums and coverage may differ from a standard car policy due to several risk factors.
Risks and reasons for SUV insurance:
There’s no universal definition of what qualifies a vehicle as an SUV. But, key features can include off-road capabilities and raised ground clearance.
Insurance carriers will most likely have a list of makes and models that they have determined as SUVs. If your vehicle is on that list, then you will need SUV insurance.
Just like typical car insurance, SUV insurance is going to provide general collision and liability coverage. Most full coverage SUV insurance will include a combination of the following:
While this is the typical offering of insurance, there is a variety of additional protection that can be added. It’s best to work with one of our agents to determine what else you need with your SUV policy.
When car shopping there are two factors that will play a role in the price of premiums. Safety and value.
The best way to determine whether an old or new SUV is going to save you money is to provide a list of options to an agent. They’ll be able to go through each vehicle with comparative insurance quotes.
In general, SUV insurance is more expensive than typical car insurance. This happens because there are a number of additional factors that insurance companies take into consideration when insuring an SUV.
Our independent agents can help you find ideal rates for your SUV. If you’re shopping around for a new SUV there are some things you can do to help lower your potential premium.
These are currently the cheapest SUVs to insure.
Our awesome agents will review your needs and help you evaluate which type of SUV insurance makes the most sense for you. They'll also compare policies and quotes from multiple insurance carriers to make sure you’re properly protected. So you’ll have that going for you.
Insurance policies are complex, searching through options can be confusing, time consuming and frustrating. An independent agent's role is to simplify the process.
They’ll make sure you get the right coverage that meets your unique needs and will break down all the jargon, so you understand exactly what you're getting.