2013 Suzuki SX4 Car Insurance Rates

Searching for cheaper auto insurance rates for your Suzuki SX4? Locating cheaper insurance for a Suzuki SX4 can turn out to be a painful process, but you can learn a few tricks to find lower rates. There are both good and bad ways to find auto insurance online so you’re going to learn the proper way to quote coverages for a new or used Suzuki and get the best price possible either online or from local insurance agents.

It’s a good idea to quote other rates occasionally because insurance rates trend upward over time. Even if you got the best rate on SX4 coverage six months ago you can probably find a better price now. Forget anything you know (or think you know) about auto insurance because you’re about to find out one of the quickest ways to eliminate unnecessary coverages and save money.

Buying car insurance is not rocket science. If you have a current insurance policy or are shopping for new coverage, you can learn to find the best rates and still get good coverage. Drivers only need an understanding of the most effective way to compare price quotes online.

Finding car insurance

Effectively comparing car insurance prices can be exhausting if you aren’t aware of the fastest way to get free quotes. You can spend your afternoon driving to insurance agencies in your area, or you could save time and use the internet to achieve your goal.

Most car insurance companies belong to an insurance system where insurance shoppers complete one form, and at least one company then gives them pricing based on that data. This system prevents you from having to do form submissions for every car insurance company.

To use this form to compare rates click here to start a free quote.

The single downside to getting quotes like this is you cannot specify which companies you will receive quotes from. If you would rather choose specific providers to request quotes from, we have assembled a list of the cheapest car insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just compare equivalent coverage data for every company. If your comparisons have different values for each quote it will be nearly impossible to get a fair rate comparison.

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Use discounts on auto insurance

Insuring your vehicles can cost a lot, but there are discounts available that can help lower your rates. A few discounts will be applied at quote time, but a few must be manually applied prior to getting the savings.

• Resident Student – College-age children who attend college more than 100 miles from home without a vehicle on campus can receive lower rates.
• Military Deployment Discount – Having a family member in the military could be rewarded with lower rates.
• Federal Employees – Federal government employees could provide a small rate reduction on SX4 coverage depending on your auto insurance provider.
• Homeowners Discount – Owning a house can earn you a little savings because it requires personal responsibility.
• Anti-lock Brake System – Cars that have anti-lock braking systems have fewer accidents and therefore earn up to a 10% discount.
• Seat Belt Usage – Forcing all vehicle occupants to buckle up could save 15% off the personal injury premium cost.
• Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you could save up to 5%.
• Discount for New Cars – Adding a new car to your policy may earn a small discount because newer models keep occupants safer.
• One Accident Forgiven – Not necessarily a discount, but some companies like Allstate, State Farm and Geico will let one accident slide before your rates go up so long as you haven’t had any claims for a set time period.
• Low Mileage Discounts – Driving fewer miles can qualify you for cheaper auto insurancerates.

Don’t be shocked that most credits do not apply the the whole policy. Most cut the cost of specific coverages such as liability and collision coverage. Even though the math looks like you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

Large auto insurance companies and a selection of discounts are:

• Geico offers premium reductions for good student, driver training, emergency military deployment, anti-theft, daytime running lights, and military active duty.
• Auto-Owners Insurance offers discounts including anti-lock brakes, multiple vehicles, anti-theft, good student, paperless, safe vehicle, and teen driver.
• American Family may include discounts for good driver, accident-free, multi-vehicle, early bird, and TimeAway discount.
• Esurance policyholders can earn discounts including claim free, paid-in-full, safety device, homeowner, defensive driver, anti-lock brakes, and emergency road assistance.
• Progressive may offer discounts for multi-policy, multi-vehicle, homeowner, continuous coverage, and online signing.
• State Farm includes discounts for Steer Clear safe driver discount, driver’s education, good driver, multiple autos, anti-theft, and safe vehicle.
• AAA offers discounts for good student, anti-theft, education and occupation, AAA membership discount, and multi-car.

It’s a good idea to ask all the companies which discounts you qualify for. Some credits might not be offered in your area. To locate auto insurance companies who offer discounts, click here to view.

Why you might pay higher rates

An important part of buying insurance is that you know some of the things that come into play when calculating the price you pay for insurance. If you know what determines premiums, this helps enable you to make changes that can earn you much lower annual insurance costs. Lots of factors are considered when you get a price on insurance. A few of the factors are predictable like your driving record, but other factors are not as apparent such as your marital status or your financial responsibility.

The items below are most of the major factors that factor into rates.

• Gender matters – Over time, data shows that females tend to be a little less risky than males. That doesn’t necessarily mean that men are worse drivers. Both genders tend to get into fender benders in similar numbers, but men have accidents that have higher claims. Not only are claims higher, but men receive more costly citations like driving under the influence (DUI).
• Better credit means lower rates – Having a bad credit score will be a significant factor in your rate calculation. Drivers who have good credit tend to be better risks to insure as compared to drivers with lower ratings. Therefore, if your credit leaves room for improvement, you could pay less to insure your 2013 Suzuki SX4 by improving your rating.
• Driving citations cost more than a fine – Drivers with clean records receive lower rates than their less careful counterparts. Even one chargable violation may cause rates to rise by twenty percent. Drivers unfortunate enough to have serious violations like hit and run, DWI or reckless driving convictions might be required by their state to file a SR-22 with the DMV in their state in order to drive a vehicle legally.
• Your car’s features help determine premiums – Driving a car with advanced anti-theft systems can save you a little every year. Systems that thwart theives like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent your car from being stolen.
• High deductibles save money – The deductibles you choose define the amount you are required to spend if you file a covered claim. Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your car. Examples of covered claims are collision with another vehicle, fire damage, and damage caused by road hazards. The larger the amount the insured is willing to pay, the bigger discount you will receive on SX4 coverage.
• Defend yourself with liability protection – Liability insurance is the coverage that protects you when you are found to be at fault for damages caused by your negligence. This coverage provides for a legal defense up to the limits shown on your policy. This coverage is relatively inexpensive when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
• How old are your drivers? – Beginning drivers are statistically shown to be less responsible in a vehicle and because of this, their insurance rates are much higher. Having to add a teenage driver to your policy will cause a huge premium hike. More experienced drivers are viewed as being more responsible, cost insurance companies less in claims and receive fewer citations.
• Cheaper rates after marriage – Having a wife or husband actually saves money when shopping for insurance. Having a significant other translates into being more mature and it’s proven that married couples file fewer claims.

Tailor your insurance coverage coverage to you

When choosing coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

For example, these questions can aid in determining whether or not you may require specific advice.

• Do I have coverage when using my vehicle for my home business?
• Where can I find high-risk insurance?
• Should I carry comprehensive and collision coverage?
• How high should my uninsured/underinsured coverage be in my state?
• I don’t drive much so do I pay less?
• Am I covered by my spouse’s policy after a separation?
• Is my nanny covered when driving my vehicle?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Be skeptical of insurance coverage ads

Consumers get pounded daily by advertisements for cheaper insurance coverage from companies such as Allstate, Geico and Progressive. They all seem to have a common claim of big savings if you change your policy.

How can each company make the same claim? Here is the trick they use.

Companies quote their cheapest rates for the driver that will generate a profit. For instance, a desirable insured may need to be over the age of 40, has no prior claims, and drives a car with an anti-theft system. Anyone who matches those parameters will get low car insurance rates and is almost guaranteed to cut their rates substantially.

Potential insureds who may not quite match these criteria may receive a more expensive rate and ends up with business not being written. The trick companies use is to say “people that switch” but not “all drivers who get quotes” save money. That’s the way companies can truthfully make claims like that. Each company has different criteria, so it is so important to get as many free car insurance quotes as possible. It is just not possible to predict with any certainty which company will provide you with the cheapest premium rates.

Information about specific coverages

Having a good grasp of your auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your Suzuki SX4.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as rehabilitation expenses, pain medications and prosthetic devices. They are utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like colliding with a tree, rolling your car, colliding with another moving vehicle and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverage

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

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, fire damage, hail damage, rock chips in glass and damage from a tornado or hurricane. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverage

This coverage will cover damage that occurs to other people or property in an accident. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things such as repair costs for stationary objects, court costs, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Get your money’s worth

People who switch companies do it for a number of reasons such as being labeled a high risk driver, delays in responding to claim requests, policy non-renewal and poor customer service. Regardless of your reason, switching companies can be pretty painless.

We just presented a lot of ways to shop for 2013 Suzuki SX4 insurance online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from an unexpected company.

When you buy car insurance online, don’t be tempted to buy poor coverage just to save money. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits only to find out that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible at an affordable rate while not skimping on critical coverages.

Additional information is available on the following sites:

• Teen Driving Statistics (iihs.org)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Event Data Recorders FAQ (iihs.org)
• Medical Payments Coverage (Liberty Mutual)
• What is a Telematics Device? (Allstate)

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