Save on 2008 Suzuki SX4 Car Insurance Cost

Searching for cheaper insurance rates for your Suzuki SX4? I can’t think of a single person who likes paying for insurance, especially when they are paying too much.

You have multiple insurance companies to pick from, and even though it’s nice to be able to choose, it can be more challenging to compare rates.

Elements that influence Suzuki SX4 insurance rates

An important part of buying insurance is that you know the rating factors that play a part in calculating the rates you pay for car insurance. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that could result in lower car insurance prices.

  • Don’t let your coverage lapse – Allowing your coverage to lapse is a quick way to pay more for car insurance. Not only will you pay more, failure to provide proof of insurance might get you a license revocation or jail time.You may have to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Extra coverages can waste money – There are a lot of extra bells and whistles you can purchase if you aren’t careful. Coverages like rental car reimbursement, better glass coverage and term life insurance are examples of these. These coverages may sound good initially, but if they’re wasting money get rid of them and save.
  • With age comes lower rates – Young drivers have a tendency to be less responsible when behind the wheel so car insurance rates are higher. Older insureds tend to be more responsible, statistically cause fewer accidents and receive fewer citations.
  • Small claims can cost you – If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance companies award better rates to insureds who do not rely on their insurance for small claims. Auto insurance is meant to be used in the event of the large, substantial claims.
  • Lower rates with optional equipment – Choosing a vehicle with an alarm system can help lower your rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.

How to Compare Insurance Quotes

Most companies such as State Farm and Allstate quote prices for coverage directly from their websites. This process is fairly simple as you just type in the coverage amounts you desire as detailed in the form. When complete, their system automatically orders information on your driving record and credit history and returns a price based on these and other factors. This makes it a lot easier to compare rates but the time required to go to several different sites and fill out multiple forms can be a bit repetitive. But it is imperative to get many rate quotes if you are searching for the lowest insurance rates.

There is a better way to compare rates

The easiest way to find cheaper rates is to use a quote form to get prices from multiple companies. It’s a real time-saver, requires much less work on your part, and makes rate comparisons much easier. After your information is entered, it is rated and you can select any or none of the returned quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. It only takes a few minutes and could lower your rates considerably.

To fill out one form to compare multiple rates now, click here and enter your information. If you have your current policy handy, we recommend you copy deductibles and limits exactly as shown on your declarations page. This ensures you will get rate quotes based on identical coverages.

How can State Farm and Allstate save drivers who switch?

Companies like State Farm and Allstate continually stream ads on TV and radio. All the ads say the same thing that you can save after switching to them. How does each company make almost identical claims?

Insurance companies are able to cherry pick for the right customer that earns them a profit. An example of a driver they prefer might be profiled as between 30 and 50, has no prior claims, and chooses high deductibles. Any driver who fits that profile will qualify for the lowest rates and most likely will pay quite a bit less when switching companies.

Potential insureds who do not match the requirements must pay a more expensive rate which leads to the customer not buying. The ads state “customers that switch” not “everybody who quotes” save that much money. That’s why companies can advertise the way they do. This illustrates why it’s extremely important to get quotes from several different companies. Because you never know which car insurance company will give you the biggest savings on Suzuki SX4 insurance.

Don’t overlook these discounts

Companies that sell car insurance don’t always advertise every available discount very clearly, so we researched both the well known and the more hidden savings tricks you should be using.

  • Organization Discounts – Belonging to a civic or occupational organization could qualify you for a break when shopping for insurance for SX4 insurance.
  • Payment Method – By paying your policy upfront instead of paying each month you can actually save on your bill.
  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • No Claims – Claim-free drivers can save substantially when compared to drivers who are more careless.
  • Military Rewards – Having a family member in the military can result in better rates.
  • New Vehicle Savings – Insuring a new car can save up to 30% since new cars are generally safer.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Low Mileage – Fewer annual miles on your Suzuki can earn lower rates on the low mileage vehicles.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like you can get free auto insurance, it doesn’t quite work that way.

Insurance companies that may have these benefits include:

Check with each insurance company what discounts are available to you. Savings might not be offered in your area.

Is my situation unique?

When it comes to choosing coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. For example, these questions can help discover if you might need an agent’s assistance.

  • Should I bundle my homeowners policy with my auto?
  • Am I covered if I break a side mirror?
  • What is high-risk coverage and where do I buy it?
  • Does coverage extend to a rental car in a foreign country?
  • How do I file an SR-22 for a DUI in my state?
  • Do I have coverage when making deliveries for my home business?
  • What are the financial responsibility laws in my state?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Car insurance 101

Knowing the specifics of a insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages found on the average insurance policy.

Liability coverage

This coverage protects you from damages or injuries you inflict on other’s property or people by causing an accident. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as loss of income, emergency aid, repair bills for other people’s vehicles, medical expenses and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Comprehensive protection

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a broken windshield, damage from a tornado or hurricane, damage from getting keyed, fire damage and theft. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision insurance

This will pay to fix damage to your SX4 resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as rolling your car, hitting a mailbox, hitting a parking meter and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Suzuki SX4.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as prosthetic devices, X-ray expenses and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Affordable insurance is out there

We just covered a lot of techniques to shop for 2008 Suzuki SX4 insurance online. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding lower rates. You may even discover the best price on insurance coverage is with the smaller companies. They can often insure niche markets at a lower cost compared to the large companies like State Farm, Geico and Nationwide.

As you restructure your insurance plan, it’s a bad idea to reduce needed coverages to save money. There have been many cases where an insured cut liability limits or collision coverage only to find out that it was a big mistake. The proper strategy is to buy enough coverage for the lowest price while not skimping on critical coverages.

Discount insurance can be bought both online and with local insurance agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who do not offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

Additional insurance coverage information can be read at the links below