Are you a victim of an underperforming, overpriced auto insurance policy? Trust us when we tell you there are lots of people in the same boat.
Big companies like State Farm, Progressive and GEICO all promote huge savings with catchy ads and consumers find it hard to see through the deception and effectively compare rates to find the best deal.
It’s a great practice to shop coverage around on a regular basis since insurance rates are variable and change quite frequently. Just because you found the best deal for SX4 coverage a year ago other companies may now be cheaper. You can find a lot of wrong information about auto insurance online, so by reading this article, you’re going to learn some great ideas on how to find cheap auto insurance.
If you currently have car insurance, you will most likely be able to reduce your rates substantially using these tips. Finding affordable coverage is not that difficult. But drivers do need to learn the methods companies use to compete online and use this information to your advantage.
Free Auto Insurance Quotes
All the larger auto insurance companies such as 21st Century, Allstate and State Farm provide coverage price quotes directly from their websites. Getting online rates is fairly straightforward as you just type in your required coverages into the quote form. When complete, their system obtains reports for credit and driving violations and generates pricing information. Online quotes simplifies rate comparisons, but the work required to visit different websites and fill out multiple forms can get tiresome after awhile. But it’s very important to do this if you want to find a lower rate.
The better way to compare rates
A less time-consuming method to lower your auto insurance bill utilizes a single form that gets prices from a bunch of companies at once. It saves time, requires much less work on your part, and makes online quotes much more efficient. Immediately after submitting the form, it is rated and you can choose any or none of the quotes that you receive.
If a lower price is quoted, you can click and sign and purchase the new policy. The whole process can be completed in a matter of minutes and you will find out if you’re overpaying now.
In order to find out what other companies charge, simply click here to open in new window and enter your vehicle and coverage information. To compare your current rates, we recommend you copy coverages and limits exactly as they are listed on your policy. This helps ensure you will have rate comparison quotes for the exact same coverage.
More discounts equal less premium
Insurance can be prohibitively expensive, but you may find discounts that can drop the cost substantially. Certain discounts will be triggered automatically at quote time, but some must be asked about before they will apply.
- Senior Citizens – If you qualify as a senior citizen, you may be able to get a small decrease in premiums for SX4 coverage.
- Drive Less and Save – Fewer annual miles on your Suzuki can qualify you for a substantially lower rate.
- Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for SX4 coverage than drivers with accident claims.
- Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
- Discount for Swiching Early – Some companies give discounts for buying a policy before your current expiration date. The savings is around 10%.
- Memberships – Belonging to a civic or occupational organization may earn a discount on auto insurance for SX4 coverage.
- Defensive Driver – Successfully completing a defensive driving course could save 5% or more and easily recoup the cost of the course.
- New Car Discount – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
- Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
- Passive Restraint Discount – Factory air bags may earn rate discounts up to 30%.
Consumers should know that most discount credits are not given to your bottom line cost. A few only apply to individual premiums such as medical payments or collision. So even though it sounds like you can get free auto insurance, auto insurance companies aren’t that generous. Any qualifying discounts will reduce your overall premium however.
To see a list of companies offering auto insurance discounts, click here.
Suzuki SX4 insurance rates have many determining factors
Consumers need to have an understanding of the factors that help determine auto insurance rates. Knowing what influences your rates empowers consumers to make smart changes that can help you get big savings.
- Do you work long hours in a high stress job? – Occupations such as real estate brokers, social workers and accountants tend to have higher rates than average due to high stress and lengthy work days. On the flip side, professions such as actors, athletes and the unemployed receive lower rates for SX4 coverage.
- Theft deterrents lower rates – Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your vehicle from being stolen.
- Protect your assets with liability insurance – Your policy’s liability coverage is the protection when a court rules you are at fault for personal injury or accident damage. It provides you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
- Women pay lower rates – Statistics demonstrate women tend to be less risk to insure than men. Now that doesn’t mean men are WORSE drivers than women. They both are in accidents in similar percentages, but men tend to have more serious accidents. Men also get more serious tickets like DUI and reckless driving.
Buying car insurance locally
A small number of people just want to talk to a local agent and there is nothing wrong with that. The biggest benefit of comparing insurance prices online is that you can obtain the best rates and still have an agent to talk to. And providing support for local businesses is important especially if you live in a smaller city or town.
To help locate an agent, after submitting this form (opens in new window), your coverage information is immediately sent to local insurance agents who will give you bids for your business. You never need to drive around due to the fact that quote results will go directly to your email. How’s that for easy! You’ll get the best rates and an insurance agent to talk to.
Two types of insurance agencies
When looking for an insurance agent, you must know there are a couple types of insurance agents from which to choose. agents are either captive or independent.
Independent Agents
Independent agents are not locked into one company so they can insure your vehicles with multiple insurance companies and possibly get better coverage at lower prices. If you are not satisfied with one company, an independent agent can move your coverage and that require little work on your part. When shopping rates, it’s a good idea to get quotes from at a minimum one independent agency to ensure the widest selection of prices.
Agency Captives
Captive insurance agents have only one company to place business with and examples are AAA, Allstate and State Farm. They generally cannot provide prices from multiple companies so keep that in mind. They are very knowledgeable on their products and sales techniques which helps them compete with independent agents.
For a complete listing of insurance agents, click here.
Picking an insurance agent requires more thought than just the price. Agents should be asked these questions:
- If you have an accident, will your rates go up?
- What insurance companies do they recommend if they are an independent agent?
- Who are their largest clients?
- Are they able to influence company decisions when a claim is filed?
- What will you get paid if your car is a total loss? How is that amount determined?
After getting reasonable responses for all questions you ask and a low price estimate, it’s possible that you found an insurance agent that meets your needs to service your policy.
Do I just need basic coverages?
When buying the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Every insured’s situation is different so this has to be addressed. For example, these questions might help in determining if you would benefit from professional advice.
- How can I get high-risk coverage after a DUI?
- When should I drop full coverage on my Suzuki SX4?
- Does my liability insurance cover pulling a trailer or camper?
- Should I buy only the required minimum liability coverage?
- Is my dog or cat covered if injured in an accident?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- How high should my medical payments coverage be?
- What can I do if my company denied a claim?
If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier
Save $454 a year. For real?
Auto insurance providers like 21st Century, Allstate and State Farm consistently run ads on TV and radio. They all make the same claim of big savings if you change to them. How does each company say the same thing?
All companies have a preferred profile for the right customer that is profitable for them. A good example of a driver they prefer might be profiled as between 30 and 50, owns a home, and has excellent credit. A customer getting a price quote who fits that profile will get very good rates and most likely will save quite a bit of money when switching.
Potential customers who don’t meet these standards will be charged a higher premium and this can result in business not being written. Company advertisements say “drivers who switch” not “people who quote” save that much money. This is how insurance companies can advertise the savings.
That is why it’s extremely important to compare many company’s rates. Because you never know which auto insurance company will provide you with the cheapest rates.
A little work can save a LOT of money
We just presented a lot of ways to compare Suzuki SX4 insurance prices online. The key concept to understand is the more quotes you get, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest priced auto insurance comes from the smaller companies. Some small companies often have lower prices on specific markets compared to the large companies like State Farm and Allstate.
Discount Suzuki SX4 insurance can be found from both online companies in addition to many insurance agents, and you need to comparison shop both to have the best selection. Some auto insurance companies do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.
