View 2013 Suzuki SX4 Insurance Cost

Did you fall for a flashy sales pitch and buy an overpriced insurance coverage policy? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out.

You have so many insurance companies to purchase coverage from, and although it’s a good thing to have a choice, so many choices can make it hard to find the best rates for your vehicles.

Smart consumers take time to get comparison quotes occasionally because rates are usually higher with each renewal. Just because you had the lowest price on SX4 insurance two years ago the chances are good that you can find a lower rate today. Starting now, ignore everything you know about insurance coverage because you’re going to learn one of the best ways to remove unneeded coverages and save money.

Finding the best rates is not rocket science. If you currently have car insurance, you will be able to save some money using this information. But vehicle owners can benefit by having an understanding of how big insurance companies sell online and apply this information to your search.

Compare Insurance Today

The are a couple different ways of comparing price quotes from local insurance companies. By far the easiest way to find competitive 2013 Suzuki SX4 insurance rates is to get quotes online. This is very easy and can be done in several different ways.

  • Probably the best way to find the lowest comparison rates would be an industry-wide quote request form (click to open form in new window). This easy form prevents you from having to do multiple quote forms for each company. Filling out one form compares rates from insurance companies with the best prices.
  • A more time consuming way to obtain and compare quotes online consists of visiting each individual company website to request a price quote. For examples sake, we’ll assume you want rates from Progressive, Safeco and Travelers. You would have to visit each site and enter your information, which is why most consumers use the first method.

    For a handy list of car insurance company links in your area, click here.

Whichever way you use, compare the exact same coverage limits and deductibles with every price quote. If the quotes have higher or lower deductibles it will be impossible to make an equal comparison. Quoting even small variations in coverage limits may cause a big price difference. It’s important to know that having more price comparisons helps you find better pricing.

Be sure to get all your discounts

Companies that sell car insurance don’t always advertise all their discounts very well, so we researched some of the best known and the harder-to-find insurance coverage savings.

  • Own a Home – Being a homeowner can help you save on insurance coverage due to the fact that maintaining a home requires personal responsibility.
  • Bundle and Save – When you combine your home and auto insurance with the same insurance company you will save approximately 10% to 15%.
  • Theft Prevention System – Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
  • Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
  • Seat Belt Usage – Requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.
  • Distant Student – Any of your kids living away from home attending college without a vehicle on campus can be insured at a reduced rate.
  • New Car Discount – Insuring a new car can be considerably cheaper compared to insuring an older model.
  • Government Employees – Employees or retirees of the government can earn a discount up to 10% on SX4 insurance with certain companies.
  • Good Students Pay Less – This discount can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • No Accidents – Drivers with accident-free driving histories pay less when compared with drivers who are more careless.

Consumers should know that most discounts do not apply to the overall cost of the policy. Some only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears all the discounts add up to a free policy, insurance coverage companies aren’t that generous.

Companies that possibly offer these discounts are:

It’s a good idea to ask each insurance company which discounts you may be entitled to. Discounts might not be offered in your state.

How do I know if I need professional advice?

When it comes to choosing the best insurance coverage for your vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether or not you might need professional guidance.

  • Are my friends covered when driving my 2013 Suzuki SX4?
  • How can I get high-risk coverage after a DUI?
  • Do I have coverage for damage caused while driving under the influence?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is a blown tire covered by insurance?
  • Does my policy cover me when driving someone else’s vehicle?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

These factors can influence Suzuki SX4 insurance rates

It’s important that you understand the different types of things that play a part in calculating the price you pay for insurance. Understanding what determines base rates empowers consumers to make smart changes that will entitle you to big savings.

Shown below are a few of the “ingredients” used by your company to calculate prices.

  • Your occupation can affect rates – Careers like judges, architects and financial analysts tend to pay higher average rates in part from job stress and long work hours. Conversely, occupations such as farmers, engineers and the unemployed have the lowest average rates on SX4 insurance.
  • Teen drivers pay high rates – Teen drivers tend to get distracted easily in a vehicle so insurance rates are higher. Mature drivers are more responsible, tend to file fewer claims and tend to be better behind the wheel.
  • Women pay lower rates – Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean women are better drivers. They both have accidents in similar numbers, but the men have costlier accidents. Men also statistically get cited for more serious violations such as reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Don’t skimp on liability – Liability coverage is the protection when a court rules you are at fault for damages caused by your negligence. Liability insurance provides legal defense coverage starting from day one. Liability insurance is quite affordable when compared with rates for comp and collision, so do not cut corners here.

What auto insurance coverages do you need?

Understanding the coverages of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages available from auto insurance companies.

Collision insurance

Collision insurance will pay to fix damage to your SX4 resulting from a collision 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 can pay for claims such as colliding with another moving vehicle, hitting a mailbox, scraping a guard rail, crashing into a building and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Suzuki SX4.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Auto liability

Liability insurance can cover damage or injury you incur to a person or their property in an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for claims like loss of income, structural damage, medical expenses, funeral expenses and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive protection

This pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like fire damage, a broken windshield, hitting a bird and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense coverage

Med pay and PIP coverage kick in for expenses for rehabilitation expenses, doctor visits, EMT expenses, pain medications and hospital visits. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Have the Midas touch

Throughout this article, we presented a lot of techniques to shop for 2013 Suzuki SX4 insurance online. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the lowest priced insurance comes from an unexpected company. Regional companies can often provide lower rates in certain areas compared to the large companies like Geico and State Farm.

Cheaper insurance can be bought both online as well as from independent agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies don’t offer online quoting and many times these small insurance companies only sell through independent insurance agents.

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