2009 Suzuki Equator Insurance Cost – 8 Policy Discounts

Having to pay for overpriced auto insurance can overdraw your checking account and force you to prioritize other expenses. Shopping your coverage around is a smart way to lower your monthly bill. Numerous car insurance companies battle for your business, and because of this it can be hard to compare car insurance companies to get the lowest cost out there.

Smart consumers take time to price shop coverage occasionally because insurance rates tend to go up over time. Despite the fact that you may have had the best deal on Equator coverage six months ago you can probably find a lower rate today. Don’t believe everything you read about auto insurance online, so we’re going to give you some excellent ideas to quit paying high auto insurance rates.

Insurance Comparisons

Finding lower insurance rates is surprisingly easy. The only thing you need to do is invest a little time to get quotes from different insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

The first (and easiest) way to compare a lot of rates at once is a comparison rater form click to view form in new window. This easy form eliminates the need for separate quotation requests for each company. One quote request will return quotes from multiple companies.

Another way to obtain and compare quotes online consists of visiting the website for each individual company and request a quote. For sake of this example, let’s assume you want rates from Progressive, GEICO and American Family. You would have to go to every website to input your insurance information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

It doesn’t matter which method you choose, just make darn sure you compare exactly the same coverages and limits with every price quote. If each company quotes different liability limits it will be next to impossible to determine the lowest rate for your Suzuki Equator.

How to reduce Suzuki Equator insurance rates

Properly insuring your vehicles can get expensive, but there could be available discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you quote, but a few need to be requested specifically before you get the savings. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Senior Discount – If you qualify as a senior citizen, you may qualify for a small decrease in premiums on Equator coverage.
  • One Accident Forgiven – Certain companies allow you one accident without raising rates if your claims history is clear for a set time period.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy could earn a price break for each car.
  • Own a Home – Simply owning a home may earn you a small savings because owning a home demonstrates responsibility.
  • Defensive Driver – Taking part in a defensive driving course can save you 5% or more if your company offers it.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
  • Save with a New Car – Adding a new car to your policy can save up to 30% since new cars are generally safer.

Keep in mind that most of the big mark downs will not be given the the whole policy. Most only cut specific coverage prices like physical damage coverage or medical payments. So even though it sounds like you could get a free car insurance policy, it doesn’t quite work that way. But any discount will bring down the amount you have to pay.

To see a list of insurers offering car insurance discounts, click here to view.

Tailor your coverage to you

When it comes to choosing adequate coverage, there really is no best way to insure your cars. Everyone’s needs are different so your insurance needs to address that. For instance, these questions can aid in determining if your insurance needs could use an agent’s help.

  • Am I covered if I hit my neighbor’s mailbox?
  • Will my insurance pay for OEM parts?
  • How can I find cheaper teen driver insurance?
  • Should I buy more coverage than the required minimum liability coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I need higher collision deductibles?
  • Am I getting all the discounts available?
  • Is my babysitter covered when using my vehicle?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Should I buy full coverage?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Misconceptions in car insurance advertisements

Consumers can’t ignore all the ads for cheaper car insurance from companies such as State Farm, Allstate and GEICO. All the companies make the same claim of big savings after switching your policy.

How does each company claim to save you money?

Different companies have a certain “appetite” for the driver they prefer to insure. For example, a driver they prefer might be over the age of 50, is a homeowner, and chooses high deductibles. Any new insured who meets those qualifications will get very good rates and is almost guaranteed to save a lot of money.

Drivers who don’t qualify for the “perfect” profile must pay higher rates and ends up with the driver buying from a lower-cost company. The ad wording is “people who switch” but not “drivers who get quotes” save that much. That’s the way companies can truthfully make the claims of big savings.

This illustrates why it is so important to compare many company’s rates. Because you never know which insurance companies will fit your personal profile best.

Coverage specifics

Knowing the specifics of a auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average auto insurance policy.

Collision – This coverage covers damage to your Equator resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a mailbox, hitting a parking meter, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive insurance – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, damage from flooding, hail damage, damage from getting keyed and hitting a bird. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Most of the time these limits are identical to your policy’s liability coverage.

Liability car insurance – Liability coverage provides protection from damage or injury you incur to people or other property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like repair bills for other people’s vehicles, loss of income and medical expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for bills for things like ambulance fees, X-ray expenses, doctor visits, hospital visits and prosthetic devices. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Take this to the bank

Throughout this article, we presented many ways to shop for 2009 Suzuki Equator insurance online. It’s most important to understand that the more companies you get rates for, the higher your chance of finding lower rates. You may even discover the best price on auto insurance is with some of the lesser-known companies. They may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.

Cheaper insurance can be found on the web and also from your neighborhood agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers may not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

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