2013 Suzuki SX4 Insurance Rates – 8 Tips for Cheaper Quotes

Consumers have options when looking for low-cost Suzuki SX4 insurance. They can either waste time driving around getting price quotes or leverage the internet to find the lowest rates. There is a right way and a wrong way to shop for insurance coverage so you’re going to learn the absolute fastest way to quote coverages for your Suzuki and get the best price possible.

You should make it a habit to price shop coverage before your policy renews because prices trend upward over time. Just because you had the best price for SX4 coverage a few years ago you may be paying too much now. Forget anything you know (or think you know) about insurance coverage because we’re going to demonstrate the easiest way to find better coverage at a better price.

How to Get Insurance Coverage Comparison Quotes

Finding lower insurance coverage rates is a fairly straight forward process. All that’s required is to take a few minutes to compare quotes from different insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

  1. One of the best ways to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This form eliminates the need for separate quotation requests for each company you want a rate for. A single form will return quotes from several companies.It’s the quickest way to get rates.
  2. A different way to get quotes online consists of going to the website for each individual company to request a price quote. For example, let’s assume you want comparison quotes from State Farm, Safeco and GEICO. You would have to visit each site to input your insurance information, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

It’s up to you which method you use, but make absolute certain that you use the exact same coverage information for each price quote. If you are comparing different limits and deductibles on each one it will be impossible to find the best deal for your Suzuki SX4.

Discounts to lower 2013 Suzuki SX4 insurance rates

Companies offering auto insurance don’t necessarily list every discount in a way that’s easy to find, so the following is a list of some of the more common and the harder-to-find discounts you could be receiving. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Memberships – Affiliation with a professional or civic organization could qualify you for a break when shopping for auto insurance for SX4 coverage.
  • Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you may earn up to 20% off your total premium.
  • Senior Citizens – Mature drivers can possibly qualify for a small decrease in premiums for SX4 coverage.
  • Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% for SX4 coverage depending on your company.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.

Keep in mind that some of the credits will not apply to the entire cost. Most only reduce the price of certain insurance coverages like medical payments or collision. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way.

For a list of insurers who offer auto insurance discounts, follow this link.

Tailor your coverage to you

When buying the right insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is unique.

Here are some questions about coverages that might help in determining if your insurance needs would benefit from professional advice.

  • Why am I required to get a high-risk car insurance policy?
  • Will my insurance pay for OEM parts?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I have coverage when pulling a U-Haul trailer?
  • What is roadside assistance coverage?
  • Why does it cost so much to insure a teen driver?
  • Should I bundle my homeowners policy with my auto?
  • Should I have a commercial auto policy?
  • Do I need PIP (personal injury protection) coverage in my state?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Detailed coverages of your auto insurance policy

Knowing the specifics of your auto insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as doctor visits, nursing services and chiropractic care. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, damage from getting keyed, a tree branch falling on your vehicle, hitting a bird and damage from flooding. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability auto insurance

Liability coverage can cover damage or injury you incur to other’s property or people. It protects you against claims from other people, and does not provide coverage for 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. Your policy might show policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like court costs, legal defense fees, structural damage, emergency aid and funeral expenses. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

UM/UIM Coverage

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Suzuki SX4.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like hitting a parking meter, backing into a parked car, rolling your car and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Knowledge is power

Cheap 2013 Suzuki SX4 insurance can be purchased online as well as from independent agents, and you should be comparing both so you have a total pricing picture. Some insurance companies don’t offer online quoting and most of the time these smaller companies sell through independent agents.

Insureds switch companies for a variety of reasons including denial of a claim, poor customer service, questionable increases in premium and policy cancellation. No matter why you want to switch, switching companies is easier than you think.

In this article, we covered many ideas to shop for insurance online. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may even find the best prices are with the least-expected company.

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