Enter your ZIP code:

Reducing SUV Insurance Rates

If you own a sports utility vehicle, you recognize the image of pure brawn, safety and ruggedness associated with cars like yours. Driving up high off the road gives many SUV owners a feeling of power, and many never give a thought to gas mileage, accident rates or the cost of SUV insurance.

But along with those larger-than-average rides—originally designed to be driven at much slower speeds over very rough terrain—often comes considerably higher-than-average car insurance prices, costlier repairs and higher fuel consumption than seen with smaller cars.

For many dyed-in-the-wool SUV enthusiasts, the trade-offs are worthwhile. But regardless which side of the fence you're on, with the right strategies under your belt, driving your SUV doesn't have to cost you an arm and a leg.

Why the Insurance Rate Discrepancy?

So why are SUV insurance rates typically higher than average? According to recent reports released by ABC News and Consumer Reports:

  • Insurance rates are directly related to risk—and there are more risk factors associated with SUVs than their smaller counterparts.
  • When involved in accidents, SUVs do more damage to other vehicles, their passengers and pedestrians than cars.
  • Though many people think SUVs are safer than cars, the opposite is actually true.
  • SUVs are more costly to repair than cars because their manufacturers aren't bound by the same federal standards in low-speed crashes.
  • Due to their high center of gravity, SUVs are more than twice as likely to tip and roll over as cars.
  • Because they're popular and trendy, SUV theft rates run higher than those of most cars.

Now, for the good news! Since SUV insurance companies set rates according to the particular model you drive, where you live, your driving record, your credit history and the safety equipment installed in your vehicle, you can use these factors to your benefit and keep your SUV insurance rates low.

10 Strategies for Reducing Your Premiums

Ready to take control of your SUV insurance premiums and cut your rates by 50 percent or more? Try these money-saving strategies to keep your insurance costs under control:

  1. Shop your insurance rates with more than one company. Applying for free quotes is the best way to accomplish this. You'd be surprised how much rates on the same coverage can vary from one insurer to another!
  2. Buy smart. Before you drive away in a new SUV, give your insurance agent a call to find out what kind of rates you can expect from that particular vehicle. If it's more than you want to pay, consider a different model.
  3. Drive defensively. The better your driving record, the lower your rates. So keep your foot light on the gas pedal and your eyes on the road to help you get the best insurance rates.
  4. Keep your credit score high. Paying your bills in full—and on time—demonstrates financial responsibility. The more you do so, the higher your credit score…and the lower your rates.
  5. Raise your deductibles. If you can cover a little more out-of-pocket in case of an accident, your insurer will reward you with lower premiums.
  6. Install safety equipment in your SUV. Besides possibly saving your life, devices such as airbags, anti-lock brakes and park assist can keep you from hitting another vehicle or completely totaling your car. This makes you less risk to your insurance company, and qualifies you for additional discounts.
  7. Consider dropping unnecessary coverage on older SUVs. The older your SUV, the less it's worth. Since comprehensive and collision compensates you for damage to your own vehicle, it's often worthwhile to either lower or completely cancel these coverages (depending on its age).
  8. Stay with the same insurance company as long as possible. Once you establish a good payment record over a period of time, you'll begin receiving discounts when your SUV insurance automatically renews.
  9. Buy your home and SUV insurance from the same company. Insurers will love you for doing this—and you'll get a multi-policy discount!
  10. Ask about group insurance. If you're a member of a local auto club, you may qualify for lower rates with a particular insurer.
List of Articles
No. Subject Author Views
85 Rental Car Insurance: Do You Really Need It? youcomparequotes 17644
84 Auto Insurance: The Secret Weapon for Saving at the Pump youcomparequotes 17973
83 Getting the Cheapest Car Insurance in Your State youcomparequotes 16917
82 Play It Safe for Cheap Truck Insurance Rates youcomparequotes 17379
81 How to Get Discount Auto Insurance youcomparequotes 17723
80 Insurance for Van Lovers youcomparequotes 17435
79 Car Insurance That Fits Your Needs youcomparequotes 17121
78 Online Car Insurance Quotes in 5 Easy Steps youcomparequotes 17306
77 Getting Insured with an Online Auto Insurance Quote youcomparequotes 18327
76 Home and Auto Insurance: Sure-Fire Protection in Unsure Times youcomparequotes 17126
75 How to Keep Teen Car Insurance Quotes at Bay youcomparequotes 19366
74 Choosing Cheap Online Car Insurance That Fits Your Life youcomparequotes 17708
73 Auto Insurance from InsureMe youcomparequotes 17625
72 Car Insurance Comparisons Save You Time & Hassle youcomparequotes 17987
71 Car Insurance Companies & InsureMe Save You Money youcomparequotes 18377
70 Buying and Insuring a New Car youcomparequotes 16748
69 Compare Auto Insurance Rates youcomparequotes 17080
68 Safety Measures Lower Auto Insurance Quotes youcomparequotes 16585
67 Getting Car Insurance Quotes, from Beginning to End youcomparequotes 16682
66 The Car Insurance Quote & Ratings Factors youcomparequotes 17162
65 What's Behind Your Auto Insurance Quotes? youcomparequotes 17276
64 How Cheap Car Insurance Can Save You Money youcomparequotes 16614
63 How to Reduce Car Insurance Prices youcomparequotes 17152
62 Getting Insured with Free Car Insurance Quotes youcomparequotes 17347
61 Auto Owners Insurance & Costly Driving Mistakes youcomparequotes 16662
60 Auto Insurance Cost & Your Ride youcomparequotes 17157
59 How No Fault Auto Insurance Works--or Doesn't youcomparequotes 16933
58 How to Get the Cheapest Car Insurance youcomparequotes 16841
57 Selecting a Car Insurance Company youcomparequotes 17543
56 Finding New Car Insurance Following Cancellation or Nonrenewal youcomparequotes 17150
55 Get the Best Car Insurance Rates Around youcomparequotes 17391
54 Factors That Affect Your Car Insurance Quotes youcomparequotes 16429
53 Child Safety Belts Keep Kids Safe youcomparequotes 17093
52 Speeding and Car Insurance Rates youcomparequotes 16795
51 Not At Fault Car Insurance & Accidents youcomparequotes 16933
50 State Auto Insurance Becoming Available youcomparequotes 17250
49 Auto Insurance Gap Narrowed by Insurance youcomparequotes 17667
48 Car Insurance & Roommates or Family Members youcomparequotes 17247
47 PIP and No-Fault Auto Insurance Reform youcomparequotes 16943
46 PIP and No-Fault Auto Insurance Reform youcomparequotes 16847
45 SUVs: Minor Collision, Major Damage youcomparequotes 17399
44 Severe Weather Driving Tips youcomparequotes 17175
43 Avoiding Aggressive Drivers youcomparequotes 18033
42 Safety Tips & Car Insurance for Teens youcomparequotes 17093
41 Insurance for Cars: It's Your Choice youcomparequotes 17051
40 Car Insurance Quotes Save You Money youcomparequotes 17112
39 Finding & Comparing Auto Insurance Specialists youcomparequotes 17977
38 Safety Features Save Lives & Money youcomparequotes 16871
37 Curbing Auto Insurance Prices youcomparequotes 16411
36 Teen Auto Insurance youcomparequotes 16695
35 Car Insurance: Your Questions Answered youcomparequotes 16746
34 How to Buy Car Insurance youcomparequotes 17380
33 Vehicle Insurance: Covering Any Kind of Car youcomparequotes 16658
32 Truck Insurance for Your Pride & Joy youcomparequotes 16452
31 How Insuring a Used Car Can Save You Money youcomparequotes 17317
30 All-in-One Policies Insure Car & Home Together youcomparequotes 17201
29 Credit Scores & Car Insurance youcomparequotes 17814
28 Classic Car Insurance Protects Your Relic Ride youcomparequotes 16317
» Reducing SUV Insurance Rates youcomparequotes 16834
26 Good Driver Car Insurance Rewards Safe Driving youcomparequotes 17351
25 How to File an Auto Insurance Claim youcomparequotes 16987
24 Avoiding Deer Collisions While Driving youcomparequotes 17457
23 Cheap Auto Insurance through Safe Driving youcomparequotes 16807
22 Auto Insurance Basics That Save youcomparequotes 17214
21 It's Official - Men Are Terrible Drivers youcomparequotes 18706
20 Car Insurance Quote Saves Money and Stretches Income youcomparequotes 17465
19 Auto Insurance Quote Heavily Dependent on Driver Behavior youcomparequotes 16990
18 Car Insurance Quotes Separate Fact from Fiction youcomparequotes 17250
17 How What You Drive Affects Your Auto Insurance Quotes youcomparequotes 17020
16 Cheaper Car Insurance in 8 Easy Steps youcomparequotes 17374
15 Save Hundreds on Your Car Insurance Without Switching to Geico youcomparequotes 16863
14 Your Options in Motorcycle Insurance youcomparequotes 16838
13 The Advantages of RV Insurance youcomparequotes 17213
12 Enjoying the Classics: How to Insure Your Old Relic youcomparequotes 34713
11 Insuring Your Teen Driver youcomparequotes 16971
10 The SR22 & Car Insurance youcomparequotes 16467
9 Auto Insurance & Generic Parts youcomparequotes 17176
8 A Trip Gone Wrong: Summer Breakdown on the Road youcomparequotes 18303
7 Drowsy Drivers, Wake Up! youcomparequotes 16475
6 Cheap Car Insurance Protection You Deserve youcomparequotes 17839
5 Top 8 Safety Picks for Car Insurance Discounts youcomparequotes 17279
4 Drivers: 7 Important Facts about Texting That Could Save Your Life youcomparequotes 21362
3 Buckles: Use Them for Safety, Not for Show youcomparequotes 16780
2 Auto Insurance Quotes youcomparequotes 17240
1 Why You Should Give Thanks -- And Stay Home This Year youcomparequotes 17461
XE Login