Cheap Mesa Suzuki SX4 Insurance

It’s hard to fathom, but over 70% of consumers kept their coverage with the same insurance company for at least the last four years, and approximately 38% of consumers have never compared rate quotes at all. Mesa drivers could cut their rates by about 50% a year by just shopping around, but they don’t invest the time required to compare rates and save money.

Truthfully, the best way to find low-cost car insurance rates is to make a habit of comparing prices annually from companies in Mesa.

Step 1: Try to learn a little about auto insurance and the steps you can take to lower rates. Many policy risk factors that result in higher rates such as traffic tickets, fender benders, and a not-so-good credit history can be remedied by making small lifestyle or driving habit changes.

Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like Progressive or State Farm, while agents who are independent can give you price quotes from multiple sources.

Step 3: Compare the new rate quotes to your existing rates to see if cheaper SX4 coverage is available. If you can save some money, make sure coverage is continuous and does not lapse.

Step 4: Give proper notification to your current agent or company of your intention to cancel the current policy. Submit a completed policy application and payment to the new company. As soon as coverage is bound, place the new proof of insurance paperwork in a readily accessible location in your vehicle.

One key aspect of rate comparisons is that you use identical coverage information on every quote request and and to get prices from as many companies as you can. This provides a fair price comparison and the best price selection.

All major auto insurance companies like Progressive, GEICO, Allstate and State Farm allow you to get price estimates direct online. Obtaining pricing for Suzuki SX4 insurance in Mesa is quite simple as you just enter your coverage information as detailed in the form. When complete, their system automatically orders credit information and your driving record and gives you a price quote based on the information you submitted.

This makes it easy to compare insurance prices and it is important to compare as many rates as possible if you want to get the most affordable premium on auto insurance.

If you want to compare pricing, consider comparing rates from the companies shown below. If you have a policy now, it’s recommended you type in your coverages exactly as shown on your declarations page. This ensures you’re receiving rate comparison quotes for similar insurance coverage.

The car insurance companies shown below are our best choices to provide price quotes in Arizona. To find cheaper auto insurance in Mesa, we recommend you visit two to three different companies in order to get a fair rate comparison.

Insurance in Arizona serves several purposes

Even though it’s not necessarily cheap to insure a Suzuki in Mesa, insuring your vehicle may not be optional for several reasons.

• Most states have compulsory liability insurance requirements which means the state requires a minimum amount of liability insurance in order to license the vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you have a lien on your Suzuki SX4, almost every bank will force you to carry insurance to guarantee payment of the loan. If you do not pay your insurance premiums, the bank will be required to insure your Suzuki at a more expensive rate and require you to pay for the expensive policy.
• Insurance preserves both your Suzuki SX4 and your assets. It will also reimburse you for most medical and hospital costs for yourself as well as anyone injured by you. Liability insurance also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.

The benefits of having insurance definitely exceed the cost, especially if you ever need it. The average driver in America is overpaying more than $830 a year so we recommend shopping around at every policy renewal to be sure current rates are still competitive.

Analysis of coverages

The coverage information below showcases a range of insurance prices for Suzuki SX4 models. Understanding how insurance policy premiums are established helps drivers make informed decisions when shopping around for a new policy.

Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Price estimates do not factor in Mesa location which can alter price quotes substantially.

How high should deductibles be?

One frequently asked question is how high or low should comp and collision deductibles be. The comparisons below help summarize the costs and benefits when you buy lower versus higher coverage deductibles. The first table uses a $100 deductible for physical damage and the second price table uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Table data does not factor in vehicle location which can modify prices noticeably.

Based on this data, using a $100 deductible will cost you roughly $30 more each month or $360 for a full year than selecting the higher $1,000 deductible. Because you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 30 months between claim filings, you would probably be better off if you decide on a higher deductible.

The illustration below demonstrates how choosing different deductibles and can impact Suzuki SX4 insurance costs for different categories of driver ages. The data assumes a married male driver, full coverage, and no additional discounts are factored in.

Rate comparison of male drivers versus female drivers

The diagram below illustrates the comparison of Suzuki SX4 insurance costs for male and female drivers. The data is based on no violations or accidents, comp and collision included, $500 deductibles, marital status is single, and no policy discounts are applied.

Cost difference between full coverage and liability

The chart below visualizes the comparison of Suzuki SX4 annual premium costs when comparing full coverage to state minimum liability only. Data assumes no accidents or driving violations, $100 deductibles, single marital status, and no other discounts are factored in.

When to drop comp and collision

There is no exact formula to stop paying for full coverage, but there is a general school of thought. If the annual cost of coverage is more than around 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let’s pretend your Suzuki SX4 replacement cost is $3,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $2,000 after the policy deductible has been paid. If premium cost is more than $200 annually for your policy with full coverage, then it’s probably a good time to buy liability coverage only.

There are some conditions where removing full coverage is not a good idea. If you still have a lienholder on your title, you are required to maintain full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not opt for liability only.

Don’t overlook these Suzuki SX4 insurance discounts

Auto insurance companies don’t list every available discount in a way that’s easy to find, so the list below contains a few of the more well known and the more hidden credits available to bring down your rates.

• Paperless Signup – Some insurance companies will discount your bill up to fifty bucks for completing your application on the web.
• Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% compared to rates paid by drivers with frequent claims.
• Braking Control Discount – Cars and trucks that have steering control and anti-lock brakes can reduce accidents so you can save 10 percent or more.
• Discounts for New Vehicles – Buying a new car instead of a used SX4 is cheaper since newer vehicles are generally safer.
• Government Employee Discount – Active or retired federal employment could qualify for a slight premium decrease with a few insurance companies.
• Discounts for Multiple Vehicles – Buying a policy with multiple cars or trucks with the same insurance company qualifies for this discount.
• Include Life Insurance and Save – Some insurance companies give a discounted premium rate on car insurance if you buy a life policy as well.
• Senior Citizens – Seniors could receive a slight reduction on a Mesa auto insurance quote.

Don’t be surprised that most discount credits are not given to the entire cost. Some only apply to individual premiums such as comp or med pay. So when the math indicates adding up those discounts means a free policy, it’s just not the way it works.

The chart below compares Suzuki SX4 yearly insurance costs with and without discounts. The premium estimates are based on a female driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, homeowner, multi-policy, marriage, and safe-driver discounts applied.

Companies that have most of these discounts possibly include:

• GEICO
• Travelers
• Farm Bureau
• Liberty Mutual
• American Family
• Progressive

If you are trying to find affordable Suzuki SX4 insurance quotes, ask all the companies to apply every possible discount. Savings may not apply in your area. If you would like to see a list of insurers with significant discounts in Arizona, click here to view.

Don’t assume everyone needs the same insurance coverage

When choosing coverage online or from an agent for your personal vehicles, there really is not a “best” method to buy coverage. Every situation is different.

These are some specific questions might help in determining if you might need an agent’s assistance.

• How much can I save by bundling my policies?
• Is my camper covered by my car insurance policy?
• Should I file a claim if it’s only slightly more than my deductible?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Do I need roadside assistance coverage?
• Why do I need rental car insurance?
• How do I insure my teen driver?
• Where can I find DUI or SR-22 insurance?
• Is my custom stereo system covered?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.