2010 Suzuki SX4 Insurance Rates – 6 Discounts for Best Quotes

Trying to find the cheapest insurance rates for your Suzuki SX4? Are you tired of trying to scrape together enough money each month for car insurance? You are in the same boat as millions of other consumers. Having so many companies and agents to choose from, it’s difficult to choose the right provider.

Smart consumers take time to compare rates every six months since insurance rates are rarely the same from one policy term to another. Just because you found the lowest price for SX4 coverage last year there may be better deals available now. There is a lot of bad information regarding insurance online but with this article, you’re going to get some solid techniques on how to quit paying high insurance rates.

The method we recommend to compare rate quotes is to take advantage of the fact most insurance companies will pay a fee to quote your coverage. The only thing you need to do is provide a small amount of information such as how many miles driven, your job, how old drivers are, and if the vehicle is leased. Those rating factors is instantly submitted to insurance carriers in your area and they respond with quotes instantly to find the best rate.

To compare multiple company rates now, click here and enter your zip code.

Save $452 a year? Really?

Consumers can’t get away from ads for car insurance savings from companies such as State Farm, GEICO and Progressive. They all seem to say the same thing that you can save if you move your policy.

How can each company make almost identical claims?

Insurance companies have a certain “appetite” for the driver that is profitable for them. A good example of a driver they prefer could possibly be over the age of 50, insures multiple vehicles, and has excellent credit. Any new insured who fits that profile receives the best rates and most likely will cut their rates substantially.

Drivers who are not a match for these standards will have to pay a more expensive rate and ends up with the driver buying from a lower-cost company. The ads say “customers that switch” but not “drivers who get quotes” save that much. That’s the way insurance companies can make those claims. Because of the profiling, you absolutely need to get as many comparisons as possible. It’s impossible to know which insurance companies will give you the biggest savings on Suzuki SX4 insurance.

Don’t overlook these six discounts

Auto insurance companies don’t always publicize all their discounts very well, so we took the time to find some of the best known and the more hidden car insurance savings. If you don’t get every credit possible, you are paying more than you should be.

  • Homeowners Pay Less – Owning a house can save you money because maintaining a house shows financial diligence.
  • Drivers Ed for Students – Have your child take driver’s ed class if offered at their school.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Accident Forgiveness – A few companies will forgive one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
  • Paperless Signup – A few companies will discount your bill up to fifty bucks for buying your policy on their website.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.

Keep in mind that some of the credits will not apply the the whole policy. Most only cut individual premiums such as comprehensive or collision. Just because you may think all those discounts means the company will pay you, it doesn’t quite work that way.

Car insurance companies that may offer these discounts include:

Double check with all companies you are considering what discounts are available to you. Savings might not apply in every state.

Is my situation unique?

When buying the right insurance coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions could help you determine whether you would benefit from professional advice.

  • Are my friends covered when driving my car?
  • Does coverage extend to my business vehicle?
  • Do I need added coverage for expensive stereo equipment?
  • When should I not file a claim?
  • Am I covered if I crash into my own garage door?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I insured when driving a different vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • Does my policy cover my teen driver if they drive my company car?

If you’re not sure about those questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It is quick, free and can help protect your family.

Information about specific coverages

Learning about specific coverages of a auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. These are the usual coverages found on most auto insurance policies.

UM/UIM Coverage – This provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2010 Suzuki SX4.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as falling objects, a tree branch falling on your vehicle 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 is not worth much consider dropping full coverage.

Auto liability – Liability insurance will cover injuries or damage you cause to other’s property or people that is your fault. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as legal defense fees, structural damage, emergency aid, attorney fees and court costs. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for doctor visits, ambulance fees and X-ray expenses. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverages – Collision coverage will pay to fix damage to your SX4 resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like rolling your car, crashing into a building and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Never pay more for less

In this article, we covered many ways to shop for 2010 Suzuki SX4 insurance online. The key concept to understand is the more providers you compare, the higher your chance of finding lower rates. Consumers could even find that the lowest rates come from a small local company. Regional companies may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm, GEICO and Nationwide.

When you buy insurance online, you should never skimp on coverage in order to save money. There have been many cases where drivers have reduced liability limits or collision coverage only to find out that they should have had better coverage. The ultimate goal is to buy enough coverage at the best price, not the least amount of coverage.

Much more information about insurance can be read at these links: