SUV Insurance: Everything You Need to Know

If you own an SUV, you need SUV insurance. Here are a few simple tips to help you learn more about coverage and reduce your premiums.

Why Is SUV Insurance Expensive?

By virtue of their increased mass, SUVs typically inflict more damage than smaller vehicles. They don’t always maneuver as well as other vehicles on the road, and their susceptibility to rollovers adds another element of risk for insurance companies. For these reasons, some SUV owners can end up paying up to 20% more for insurance.

Increase Your Deductible

Raising your deductible is a fantastic way to offset the high cost of your SUV insurance—and it won’t even reduce your automobile liability insurance coverage. According to the Insurance Information Institute, raising your deductible from $250 to $1,000 could reduce the cost of the comprehensive and collision portion of your policy by up to 40 percent. You will pay more out-of-pocket should you need to file a claim, but the savings should make it worth it.

Combine Your Home and Auto Insurance Policies

Insurers entice consumers to carry multiple policies with their companies by offering multi-line policy discounts. Purchasing your home and auto insurance with the same company could save you up to 15 percent on both your home and auto insurance policies.

Shop and Compare Free Quotes

Comparing free SUV insurance quotes is perhaps the best way to find a cheap policy. If you don’t shop and compare quotes, you’ll never know if you’re getting the best rate possible.

With InsWeb's online car insurance quote form, you can request quotes in minutes.