Three Steps to Cheaper Suzuki Equator Insurance
If comparing car insurance was easy, most of us would do it more often. But in reality, the cost for insurance always seems too high and most people would prefer to get a root canal. Finding good insurance for your Suzuki Equator probably leaves you feeling the same way.
Step One: Compare Multiple Rates
In years past, the only way to purchase car insurance was to visit the office of a local agent. Life has gotten easier!
Getting online rate quotes for a Suzuki Equator from all the major insurance companies is very easy and only requires you to enter your information once.
To compare rates now, have your current policy handy (if you have one) and click the link below. Complete the short form and move on to step two.
Apples-to-Apples! When doing comparison quotes for your Equator, it's very important that you use the same liability limits and physical damage deductibles on each quote. Otherwise you will not be able to accurately determine which company has the lowest rates.
Step Two: Top Ways to Get Lower Equator Insurance
After completing step one above, you can now learn some of the other ways to slash your Equator insurance costs.
- Do you keep your credit rating in good shape? If you do, you will get a better rate than if you let your credit score slide. Check your credit score regularly to make sure there are few blemishes on your record.
- If you carry full coverage on your vehicle, you can slash your rates by increasing your comprehensive and collision deductibles. You'll pay more out-of-pocket but you will save with every renewal.
- Smaller claims that hardly exceed your deductible are better off not being filed with your insurance company. Policyholders with no claims enjoy lower rates than those who frequently file claims.
- Being a senior citizen can qualify you for a small discount on your insurance rates. Older drivers are generally more cautious so they get a lower rate.
- Most of us have received a ticket at one time or another. If you get a ticket for a minor violation, find out if there is a safe driving class you can take to keep the ticket off your driving record.
- Ask your insurance company if there is a discount for completing a driver's safety course. It may get you up to a 10% discount at your next renewal.
- It's very important that you allows keep coverage effective on your vehicles. Having even a one-day lapse in coverage can make your premiums jump higher.
- Safety features such as passive restraints and air bag systems help reduce injuries in and accident, and car insurance companies will charge lower rates if these features are present.
- Vehicle thefts drive up the cost of everyone's insurance, but if your Equator is on the list of the most frequently stolen cars, you might be paying just a little extra.
- Teenage drivers can be very expensive to insure on newer vehicles will full coverage. You may be better off purchasing an older vehicle for your teenager and only insure it for liability.
- If you rent rather than own a home, you may be paying more for car insurance. Homeowners often get lower rates.
Step Three: Buy the Best Policy
Buying a new car insurance policy is just a matter of finalizing your application form and submitting it with your down payment. Once payment has been accepted, coverage is bound the effective date shown on your application.
Make sure to avoid any lapse in coverage by setting the new policy's effective date to be the same date you cancel your old policy. Otherwise you could be driving without any coverage.
When buying a new vehicle, coverage will extend from your existing policy. But if you don't have a car insurance policy, you will want to make sure you have coverage BEFORE you drive off the lot. If you have a current policy and you only carry liability coverage, then that's the only coverage that will automatically extend to your Equator. But if you currently carry full coverage, comprehensive and collision coverage will extend to your new vehicle.
The proof-of-insurance card that is required by state law to be carried in your vehicle can be printed out upon completion of your car insurance policy. If your state requires you to file an SR-22 for being a high-risk driver, make sure your new company is aware of this requirement. Failure to comply can result in loss of your driver's license.
More Insurance Buying Tips
For more information on car insurance topics like the claims process, rental car insurance and how much coverage you need, visit the Insurance Information Institute website.
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