SUV is widely known as a family car, having seating arrangements for four or more people. A typical SUV comes with hauling gears, and a four-wheeler drive capability for driving even through rough terrains. So if you own an SUV it’s your duty to protect your investment made, this can be achieved by opting for a good insurance which gives you a lifetime cover with added benefits. To get a good SUV insurance policy you can consult an independent insurance agent in your area as they have multiple tie ups with local insurance agents.

What is SUV Insurance?

SUV insurance is a policy which is specifically designed to fulfill the insurance needs of a vehicle’s sport utility and its owner’s benefits. The SUV generally come under truck insurances although some well-established insurance companies have their distinctive SUV policies. There are different cost price of SUV in different regions and market and can range anywhere between $20,000 to over $100,000 if opted for a luxury model. Generally SUV insurances gives a higher value as compared to a standard car because of their own standard and breed which prove them to be best of their types in all vehicles.

Rating of Car Insurance Companies

Company Affordability Rating Customer Service Rating Get A Quote
USAA
4.7
out of 599 user reviews
3.6
out of 599 user reviews
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Liberty Mutual
3.0
out of 599 user reviews
3.9
out of 599 user reviews
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GEICO
4.0
out of 599 user reviews
4.1
out of 599 user reviews
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Allstate
3.0
out of 599 user reviews
4.1
out of 599 user reviews
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AAA
4.0
out of 599 user reviews
4.0
out of 599 user reviews
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Top lowest SUV insurances

Hyundai Tucson insurance

One of the most reasonably priced insured vehicle is Hyundai Tucson. The insurance rates varies for newly purchased and used car. Some of the factors affecting the insurance rates are age. The more is your age the less insurance amount you pay. Also the marital status and gender also impact the premium rates, as youth’s are found to be more prone to accidents then the older ones. The insurance rates for Hyundai Tucson lies between $1,000 and $1,077 for a year. This Hyundai Tucson insurance group gives a good lump sum amount covering wear and tear and any accidental damage if any occurred. You can enter your zip code to get the exact insurance premium and check for the amount.

Ford escape insurance

Ford gives a relatively Ford Escape insurance rates giving an additional 10 to 12 % out of pocket expenses giving ownership for four to five years this makes the cost of ownership along with the insurance to be very cheap making a worthy deal. Ford escape gives saving up to $2000, with a discounted premium rate of 10 %.You can do online comparisons to get the best deals. If you opt for annual membership of ford escape you get free coverage amount, covering health and home insurance. Special discount schemes are offered for professionals like doctors, teachers, and federal and govt. employees.

Honda CR-V Insurance

The Honda CRV Insurance comes with Passive Restraint Systems giving savings up to 30% of your car price if your car was brought from the factory along with airbags and motorized belts. Honda CR-Covers an insurance amount up to 7.25 lakhs for any third party damages and giving a claim ratio up to 83.79 %.Some also give a free Cashless Garage service up to 2000 rupees.

Top expensive SUV Insurances

Some of Top expensive SUV insurance are available in the market for Mercedes Benz M class, dodge viper Audi, BMW, land rover range rover and many more.

Mercedes Benz M-Class insurance

Mercedes Benz M-Class a German automaker which is American at heart gives the best insurance coverage till date. It comes with guaranteed repairs at any of the Benz outlets with the replacement of genuine parts. Mercedes Benz M-Class comes with 24 / 7accident recovery equipment centre along with the UK call centre at service.it gives unlimited coverage on in-car audio devices and tele-communication equipment’s. The ‘No Claim Bonus’ remains unaffected even in case of accident. This SUV insurance rates may cost up to $3544.

Land Rover insurance

One of the most stylish SUV’s coming from the late 1970’s has reached a primitive standards and so is the insurance claims for it to make the owner secure. It comes with the support of latest technology trained specialists with well-versed equipment. The Land Rover insurance covers 5 year service giving free repairs for any body parts and panels. The cover also gives 24 hours accident recovery, EU cover for 90 days, personal accident cover, lock cover replacement and wind screen cover. An optional extra cover of $10000 is given for legal expenses. And in case of stolen or lost cover of $1000 is given.

What does SUV Insurance Cover?

Just like any typical car insurance, the SUV insurance policies give basic coverage for collision or damage along with liability coverage meeting the state’s minimum requirement. The lender will also need certain coverage amount if you have opted for finance for purchasing your vehicle. A typical standard policy includes these following coverage types:

  • Physical and property damage: Liability insurance gives coverage, up to certain limit, for property and personal damage or injury occurred. Coverage for legal fees along with court cost is also included.
  • Coverage for property damage: In case of collision the cost of repair and replacement of your vehicle if damaged is given regardless of fault.
  • Insured Motorist Coverage: In case of accident the drivers and the passengers are also covered under the insurance schemes.
  • Comprehensive Coverage: The Comprehensive coverage covers your vehicle in case if it is lost or damaged in accident or traffic collision. This coverage is inclusive for theft, fire, big falling objects, vandalism, and natural disasters. Natural disasters policies that are covered may require purchase of a separate endorsement plan, for certain events like floods, tsunami, hurricanes disasters or earthquakes.

How much SUV insurance do I need?

Well it all depends on your SUV types, its model, purchase price and its manufacturing date and lastly on your personal decision. Most of the insurance professionals advise to purchase as much as liability coverage as possible that you can easily afford. Because the increased damage rate of an SUV can give you a big cost to be paid. So the insurance state gives minimum coverage amounts which are rarely enough to protect you and you may need to pay extra from your pocket.

But having a good amount invested in insurance will release your headache and cover all the damage and repair cost that you would have otherwise paid. If the budget is tight you can opt for light truck insurance available in the market. There are many insurance schemes and policies available in the market offering different sets of benefits and coverage costs on accidents and damage. All you need to do is see and invest wisely.

How to save money a SUV insurance?

There are many ways of investing the money on an insurance and getting almost double of the benefits from it.

  • Check for the coverage rates of all schemes before you purchase any vehicle. Some SUVs have more expensive insurance policies than compared to others.
  • Compare policy and their purchase rates from minimum three different insurance companies before buying it. This may help you in getting your policy at a very competitive rate. If you have a member agent at the insurance companies you can compare and get the best of the deals.
  • Drive safe, the safer you drive les the need for insurance.
  • Keep your credit history clean.

Conclusion

Getting a least expensive SUV to insure is no big deal for now. All you need to do is be aware of the market trends and check for the prices and trends. If nothing helps you can get a personalized agent to help you.

Customer Reviews

Jimmy
5.0
out of 51 user reviews
Fantastic customer service from sales team. Made set up a breeze. So eager to get my business. Can only hope its as easy to make a claim? Not too keen on the rollover contract with direct debit...
Martin
5.0
out of 51 user reviews
Awesome service and very helpful. Extremely polite throughout telephone call and more than willing to assist with my enquiries. I would recommend youi insurance to family and friends as they provide a great product. Thank you
Daniel
5.0
out of 51 user reviews
Yes to all the above questions. The customer service was very good everything explained to me in the way I could understand, however I did find it took quiet awhile to get through on the phone.
Mark
5.0
out of 51 user reviews
Very satisfied with the way the product was explained, the service focused on meeting the specific needs the products provided. This made taking up my policies with YOUi, a no brainer. The advice was of a high level from start to finish and gave me the best prices and offers in the current market. Thank you.
Peter
5.0
out of 51 user reviews
After receiving terrible service at AAMI today I changed to youi today for my car insurance. Sales representative Lyn Clyne was personable, genuine, jovial and a pleasure to speak to. She is the reason you now have a new customer. Please ensure she is applauded for doing a great job.
Jhoan
5.0
out of 51 user reviews
The policy was good and information was given clearly and the customer service was fabulous and cheerful! youi has unbeatable customer support and i am very happy with everything. i suggest if you make a special deal for people who are insuring many many cars it would be helpful for the customer.

Newest From Blog

There are so many different insurance policies providing by different insurance companies as per their own rules and regulations. Also some of the unique insurance types are also available to us in respect of more safety regarding the other important things which relates with us.