I usually get this question whenever there’s someone just bought a new SUV – how much does it cost to get SUV insurance? Is it really more expensive to insure an SUV as compared to regular cars? Find more about SUV insurance to give you some light about insuring an SUV.

Why SUV Coverage Is High

Getting SUV coverage is more expensive as compared to getting your usual auto insurance. You may be wondering why. We have this notion regarding bigger size vehicles – that the bigger the size of the vehicle the safer we are. And with that we though that bigger vehicles are considered to be safer vehicles as compared to cars. But the reason why SUV coverage is more expensive than regular car insurance is because since SUV is considered as the kind of vehicle that is safer to drive, the expected damage it will give to another vehicle is heavier. Hence, heavier damage means only one thing, higher insurance claims. And the possibility of higher claims means more expensive vehicle insurance premiums for your SUV.

In addition, aside from the fact that SUV caused severe damage as compared to smaller vehicles, they too have become a popular choice among vehicle thieves. In most cases, insurance providers also considered this factor. The higher the chance that your vehicle is stolen, the higher your premiums may be. In fact, according to Highway Loss Data Institute, the Cadillac Escalade, an SUV type of vehicle, was the most stolen vehicle in 2004. An auto insurance provider will shell out a whooping $18, 000 minimum just to replace that kind of vehicle.

Getting an SUV policy can be pricey. However, remember that you have a lot of choices to get cheaper vehicle insurance for your SUV. You can start looking for car insurance rates through the Internet. The key in getting the best deal is to know where to get one and Internet offers you that.

Here is a simple trick that will result in huge savings. Get the insurances agents to compete against each other for price and coverage. Fill out the online quote form and wait to be contacted by the agent by phone or email, The first price they quote you will most likely be the highest one. Tell them you think that price is a little too high and you are going to shop around some more, but get that agent to fax you a copy of the quote.

Fill out another online quote form and repeat the process. I recommend getting 3 quotes from 3 different agencies and carriers to make this really effective. Once you get all three faxed quotes you can then contact each agent and see if they will beat the lowest price quote you have received, and 9 out of 10 times they will. One word of caution though, make sure they do not cut your coverage to lower the price. I also recommend you use a free email address and your cell phone number just in case you get too many phone calls from agents trying to sway you to their company.