2011 Suzuki SX4 Car Insurance Cost – 6 Policy Discounts

Sick and tired of trying to scrape together enough money to insure your Suzuki every month? Your situation is no different than many other drivers. Multiple insurers compete for your business, and it can be difficult to compare rates and get the definite lowest cost out there.

It’s a good idea to compare rates at least once a year because rates are rarely the same from one policy term to another. Even if you think you had the best rates on SX4 insurance a few years ago you may be paying too much now. There is a lot of wrong information about insurance on the web, but we’re going to give you some great ways to save money.

These six discounts can slash insurance coverage rates

Companies offering auto insurance don’t always list all their discounts in an easy-to-find place, so the following is a list of some of the best known and the more hidden insurance coverage savings. If they aren’t giving you every credit available, you are paying more than you should be.

  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Driver Safety – Taking part in a defensive driving course can save you 5% or more if your company offers it.
  • Driver’s Ed – Require your teen driver to complete a driver education course if offered at their school.
  • Discount for Good Grades – This discount can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Accident Free – Drivers who don’t have accidents can save substantially compared to bad drivers.
  • Early Switch Discount – Select companies give a discount for switching policies prior to your current policy expiration. It’s a savings of about 10%.

A little note about advertised discounts, many deductions do not apply the the whole policy. Most only reduce the price of certain insurance coverages like medical payments or collision. So when the math indicates adding up those discounts means a free policy, it doesn’t quite work that way.

To see a list of providers offering insurance coverage discounts, click here.

The quickest method we recommend to compare car insurance rates is to understand car insurance companies will pay a fee to provide you with a free rate quote. The only thing you need to do is provide details like types of safety features, how your vehicles are used, whether you are single or married, and the type of vehicles you drive. That rating data is automatically sent to many different companies and they provide comparison quotes very quickly.

To compare rates now, click here and find out if lower rates are available.

When might I need the advice of an agent?

When buying proper insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions might help in determining whether or not you may require specific advice.

  • Does medical payments coverage apply to all occupants?
  • Does my personal policy cover me when driving out-of-state?
  • Can I make deliveries for my home business?
  • What is PIP insurance?
  • If I drive on a suspended license am I covered?
  • Am I covered if my car is in a flood?

If you’re not sure about those questions, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area. It is quick, free and you can get the answers you need.

Car insurance coverages for a Suzuki SX4

Knowing the specifics of a insurance policy can be of help when determining the right coverages for your vehicles. Insurance terms can be confusing and coverage can change by endorsement. Shown next are typical coverages offered by insurance companies.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a broken windshield, theft and hitting a bird. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like doctor visits, ambulance fees, surgery, rehabilitation expenses and prosthetic devices. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Suzuki SX4.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Liability coverages – This will cover damage or injury you incur to other’s property or people in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like emergency aid, court costs, structural damage, medical services and funeral expenses. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Collision – This pays for damage to your SX4 caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like damaging your car on a curb, colliding with another moving vehicle, rolling your car and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

In any little way, save everyday

As you shop your coverage around, don’t be tempted to buy lower coverage limits just to save a few bucks. In too many instances, someone dropped liability coverage limits only to regret they didn’t have enough coverage. The aim is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

In this article, we presented some good ideas how you can lower your 2011 Suzuki SX4 insurance rates. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. You may even discover the best price on auto insurance is with a smaller regional carrier. Smaller companies may cover specific market segments cheaper than their larger competitors like Allstate and Progressive.

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