Cheaper 2012 Suzuki Equator Car Insurance Rates

Looking for the cheapest insurance rates for your Suzuki Equator? Are you sick and tired of scraping the payment together to buy car insurance? You’re in the same situation as millions of other consumers. Consumers have many auto insurance companies to buy insurance from, and even though it’s nice to be able to choose, so many choices can make it hard to adequately compare rates.

You should take the time to do rate comparisons quite often because rates change frequently. Just because you found the best price for Equator coverage on your last policy the chances are good that you can find a lower rate today. You can find a lot of wrong information about insurance on the internet, so I’m going to show you the best ways to slash your insurance rates.

Are you getting all your discounts?

Auto insurance companies do not list all their discounts in a way that’s easy to find, so the following is a list of both the well known and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Defensive Driving Course – Completing a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Accident Free – Drivers who don’t have accidents pay much less when compared to bad drivers.
  • Paperless Signup – Certain companies will give a small break for buying a policy and signing up on their website.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
  • Own a Home – Being a homeowner may earn you a small savings because owning a home is proof that your finances are in order.
  • Drivers Education – Require your teen driver to complete a driver education course in high school.
  • Accident Forgiveness – A few companies will allow you to have one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
  • New Vehicle Savings – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Clubs and Organizations – Being a member of certain professional organizations could trigger savings when shopping for insurance coverage for Equator coverage.
  • Save over 55 – Mature drivers may qualify for better insurance coverage rates for Equator coverage.

It’s important to understand that most discount credits are not given to the entire cost. Most only cut individual premiums such as comp or med pay. So even though they make it sound like adding up those discounts means a free policy, you’re out of luck.

Insurance companies who might offer some of the above discounts include:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Some discounts may not be available everywhere.

The fastest way that we advise to get rate comparisons is to understand most of the bigger providers participate in online systems to quote your coverage. The only thing you need to do is provide a little information like coverage limits, how much you drive, how much education you have, and what your job is. The rating information is instantly sent to multiple top-rated companies and they provide comparison quotes instantly to find the best rate.

When might I need an agent?

When buying proper insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions can aid in determining if your insurance needs may require specific advice.

  • Should I sign the liability waiver when renting a car?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • What exactly is covered by my policy?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered if I drive in a foreign country?
  • Do I have coverage when using my vehicle for my home business?
  • When does my teenage driver need to be added to my policy?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverage options for a Suzuki Equator

Having a good grasp of your car insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types available from car insurance companies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as EMT expenses, nursing services, prosthetic devices and dental work. They can be utilized in addition to your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Comprehensive or Other Than Collision

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

Comprehensive coverage pays for claims like hitting a bird, theft and hitting a deer. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverages

Liability insurance protects you from damage or injury you incur to other people or property. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against claims like court costs, medical expenses, attorney fees and repair costs for stationary objects. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

This covers damage to your Equator resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as backing into a parked car, driving through your garage door, colliding with another moving vehicle, hitting a parking meter and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 2012 Suzuki Equator.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Feed the piggy bank

We just covered quite a bit of information on how to shop for 2012 Suzuki Equator insurance online. The key thing to remember is the more price quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the best price on insurance coverage is with a smaller regional carrier. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as GEICO and State Farm.

Cheaper insurance can be bought both online and also from your neighborhood agents, so you should compare both so you have a total pricing picture. Some insurance companies may not provide online price quotes and these smaller companies work with independent agents.

Even more information is available at these sites: