Suzuki SX4 Owners Find How to Cut Their Auto Insurance Rates

Nobody I know looks forward to buying auto insurance, particularly when they are paying too much.

Online insurance companies like Progressive, GEICO and Farmers Insurance all promote huge savings with advertising and it is difficult to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

Don’t pay full price with these discounts

Companies that sell car insurance don’t necessarily list all available discounts in a way that’s easy to find, so we took the time to find both well-publicized and the harder-to-find auto insurance savings.

• No Accidents – Drivers who don’t have accidents pay less when compared with bad drivers.
• Military Rewards – Having a deployed family member could be rewarded with lower premiums.
• Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
• Multiple Policy Discount – If you insure your home and vehicles with the same company you could get a discount of 10% to 20% off each policy.
• Early Switch Discount – Select companies give a discount for buying a policy before your current expiration date. It’s a savings of about 10%.

Drivers should understand that many deductions do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like medical payments or collision. Even though it may seem like it’s possible to get free car insurance, companies wouldn’t make money that way.

For a list of insurance companies with discount auto insurance rates, click here to view.

How to Get Auto Insurance

Shopping for lower auto insurance rates can be a daunting task if you aren’t aware of the best way to get rate quotes. You could waste a few hours talking about coverages with agents in your area, or you could use the web to maximize your effort.

Most major companies belong to an insurance system that allows shoppers to send in one quote, and each participating company returns a competitive quote determined by their information. This eliminates the need for quotation requests to each company.

To get comparison pricing now click to open in new window.

The only downside to doing it this way is you don’t know exactly the companies you want pricing from. So if you prefer to choose specific providers to compare, we put together a list of auto insurance companies in your area. Click to view list.

Whichever method you choose, ensure you are comparing exactly the same coverage limits and deductibles for every company. If your comparisons have different limits and deductibles on each one it will be impossible to determine which rate is truly the best. Just a small difference in insurance coverages may cause a big price difference. Just remember that comparing a large number of companies will enable you to find the best offered rates.

Factors influencing Suzuki SX4 insurance rates

It’s important that you understand some of the elements that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively determines base rates helps enable you to make changes that could result in big savings.

• Type of vehicle determines base rates – The make and model of the vehicle you drive makes a big difference in your rates. Because the Suzuki SX4 falls in the compact sedan class, insuring your vehicle will cost the same to a little lower as compared to the average rate. Lower performance four cylinder passenger cars generally receive the lowest base rates, but other factors influence the final cost greatly.
• Car features impact rates – Owning a car that has an advanced theft prevention system can save you a little every year. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.
• Adjust deductibles and save – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Suzuki from damage. A few examples of covered claims would be colliding with a building, damage from fire, and windstorm damage. Your deductibles are the amount of money you are required to spend out-of-pocket before a claim is paid by your company. The more money you have to pay, the bigger discount you will receive on SX4 coverage.
• Don’t sacrifice liability coverage – Liability insurance is the protection when a court rules you are at fault for damages from an accident. Liability provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so drivers should carry high limits.
• A clean driving record saves money – Whether or not you get tickets has a lot to do with how much you pay for insurance. Only having one ticket can boost insurance rates twenty percent or more. Careful drivers receive lower rates than their less careful counterparts. Drivers with dangerous tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 form with their state DMV in order to prevent a license revocation.
• Being married is a good thing – Having a spouse helps lower the price on your auto insurance policy. Having a spouse usually means you are more responsible and it’s proven that being married results in fewer claims.
• Credit scores impact auto insurance rates – A driver’s credit rating is a important factor in determining your rates. People with high credit scores tend to be more responsible than those with lower ratings. So if your credit score can use some improvement, you could be paying less to insure your Suzuki SX4 by improving your rating.
• Please use or commuting – The higher the mileage driven each year the higher your rate. Most insurance companies price each vehicle’s coverage based upon how you use the vehicle. Autos not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. Ask your agent if your auto insurance declarations sheet is showing the correct usage for each vehicle, because improper ratings can cost you money. If your policy improperly rates your SX4 may be wasting your money.

Which policy gives me the best coverage?

When buying the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions can help discover whether or not you would benefit from an agent’s advice.

• Is my teen driver covered when they drive my company car?
• Is my nanny covered when driving my vehicle?
• Do I have any recourse if my insurance company denies a claim?
• Are my friends covered when driving my Suzuki SX4?
• What if I total my Suzuki SX4 and owe more than it’s worth?
• Should I file a claim if it’s only slightly more than my deductible?
• When does my teenage driver need to be added to my policy?
• What should my uninsured motorist coverage limits be in my state?
• Does having multiple vehicles earn me a discount?
• How high should my medical payments coverage be?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

But buying car insurance online seems impersonal

Some consumers prefer to talk to a local agent and that is just fine! One of the great benefits of comparing insurance prices online is you can get the lowest rates but still work with a licensed agent.

After completing this quick form, your insurance data is emailed to insurance agents who will battle for your business. You don’t have to visit any agencies because quoted prices will be sent directly to your email. How’s that for easy! You can find the lowest rates without the usual hassles of price shopping.

Choosing a company should depend on more than just a low price. These questions are important to ask:

• Does the agency provide any after hours assistance?
• How long has their agency been in business?
• Do they assist clients in filing claims?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• If you have an accident, will your rates go up?
• Is working in the agency their full-time job?

If you want to contact a specific insurance agent in your state, click here.

Once you have received satisfactory answers for all questions you ask and an affordable coverage quote, you may have just found an provider that meets your needs to properly insure your vehicles.

Are auto insurance companies telling the truth?

Auto insurance providers like GEICO, State Farm and Progressive constantly bombard you with television and radio advertisements. They all have a common claim about savings if you switch to their company. How does each company claim to save you money?

All companies have a preferred profile for the driver that is profitable for them. For instance, a driver they prefer could be over the age of 40, a clean driving record, and has great credit. A driver who fits that profile will get very good rates and as a result will probably save a lot of money.

Potential customers who fall outside this ideal profile must pay higher prices which usually ends up with the customer not buying. The ads state “customers that switch” not “people who quote” save that kind of money. This is how insurance companies can confidently make those claims. This illustrates why you need to compare many company’s rates. Because you never know the company that will give you the biggest savings.

Final thoughts

Cheaper Suzuki SX4 insurance is available online and also from your neighborhood agents, and you need to comparison shop both to have the best selection. There are still a few companies who may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

We just presented a lot of ways to shop for Suzuki SX4 insurance online. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. You may even find the best price on auto insurance is with a lesser-known regional company. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as Allstate, GEICO and Progressive.