2012 Suzuki Equator Insurance Cost

Are you overwhelmed by the wide range of car insurance choices? You have a lot of company. Consumers have so many companies to choose from that it can be a lot of work to find the best price.

How to Get Insurance Comparison Quotes

All major insurance companies quote price estimates directly from their websites. Getting online rates is quite simple as you simply enter your required coverages as requested by the quote form. Upon sending the form, their rating system requests your credit score and driving record and returns a price quote determined by many factors.

This makes comparing rates easy, but having to visit each company’s website and repetitively enter the same data into a form can be a bit repetitive. But it is imperative to do this in order to get a lower rate.

The quickest way to find better insurance pricing uses one simple form that analyzes rates from several companies at one time. It’s a real time-saver, helps eliminate reptitive entry, and makes online shopping a little more enjoyable. After sending your information, it is rated with multiple companies and you can pick any one of the price quotes you receive.

If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. This process takes less than 15 minutes and could lower your rates considerably.

If you want to find out what other companies charge, click here to open in new window and complete the simple form. To compare your current rates, we recommend you input coverages and limits as close as possible to your current policy. Using the same limits helps guarantee you will receive an apples-to-apples comparison for similar insurance coverage.

Discounts mean cheaper 2012 Suzuki Equator insurance rates

Properly insuring your vehicles can get expensive, but you can get discounts to help bring down the price. A few discounts will automatically apply at the time you complete a quote, but some must be asked for in order for you to get them.

  • Military Discounts – Having a family member in the military may qualify for rate reductions.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
  • No Charge for an Accident – A few companies will forgive one accident before raising your premiums if you are claim-free for a set time period.
  • Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance from them.
  • 55 and Retired – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums on Equator coverage.
  • Multi-policy Discount – When you have multiple policies with one company you will save approximately 10% to 15%.
  • Student in College – Youth drivers who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Early Signing – Some insurance companies reward drivers for switching to them before your current policy expires. This can save 10% or more.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.

Keep in mind that most credits do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as comprehensive or collision. Just because you may think you can get free auto insurance, auto insurance companies aren’t that generous. But all discounts will reduce your premiums.

Companies that may offer these discounts include:

Before buying, ask every prospective company how you can save money. Discounts may not be available in your area.

Tailor your coverage to you

When choosing the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine whether or not you could use an agent’s help.

  • Is my babysitter covered when using my vehicle?
  • Should I buy additional glass protection?
  • Should I buy more coverage than the required minimum liability coverage?
  • I have a DUI can I still get coverage?
  • Am I getting all the discounts available?
  • Am I covered when driving someone else’s vehicle?
  • Does liability extend to a camper or trailer?
  • Should I waive the damage coverage when renting a car?
  • Should I file a claim if it’s only slightly more than my deductible?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Information about specific coverages

Having a good grasp of car insurance can be of help when determining which coverages you need for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Comprehensive insurance

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a bird, hitting a deer, a tree branch falling on your vehicle, rock chips in glass and damage from a tornado or hurricane. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.

Coverage for collisions

This will pay to fix damage to your Equator resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like damaging your car on a curb, sustaining damage from a pot hole, driving through your garage door, hitting a mailbox and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Auto liability

Liability insurance can cover damages or injuries you inflict on people or other property in an accident. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as repair bills for other people’s vehicles, repair costs for stationary objects and pain and suffering. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for expenses for funeral costs, EMT expenses, surgery, rehabilitation expenses and ambulance fees. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

What is YOUR best insurance company?

When shopping online for insurance, it’s not a good idea to sacrifice coverage to reduce premiums. Too many times, an insured dropped uninsured motorist or liability limits to discover at claim time that the small savings ended up costing them much more. Your goal should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Insureds switch companies for a number of reasons such as being labeled a high risk driver, questionable increases in premium, delays in paying claims and even denial of a claim. No matter why you want to switch, finding the right insurance provider is actually quite simple.

Cheap 2012 Suzuki Equator insurance is definitely available on the web and also from your neighborhood agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who may not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

More detailed insurance information can be found by following these links: