Cheaper 2012 Suzuki Equator Car Insurance Cost

Want the cheapest insurance coverage rates for your Suzuki Equator? Are you sick and tired of trying to scrape together enough money to insure your Suzuki every month? You have the same problem as many other vehicle owners.

Big companies like Progressive, State Farm and GEICO all claim big savings, bombarding you with catchy ads and it is difficult to ignore the promise of big savings and find the best price available.

It’s a great practice to compare premium rates on a regular basis since prices are adjusted regularly by insurance companies. Just because you had the best deal for Equator insurance six months ago there may be better deals available now. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to the proper way to eliminate unnecessary coverages and save money.

The cheapest insurance rate quotes

To find the best insurance prices, there are several ways of comparing rate quotes from many insurance companies in your state. One of the best ways to comparison shop is to use the internet to compare rates. It is quite easy and can be accomplished using a couple different methods.

The simplest way to get quotes is a comparison rater form click to view form in new window. This quick form prevents you from having to do separate quotes for every prospective company. A single form will return quotes from all major companies.

A harder way to analyze rates consists of going to the website of each company and go through the quote process again. For examples sake, let’s say you want to compare rates from GEICO, Esurance and Allstate. You would have to navigate to each company’s site and repeatedly enter your information, which can get old fast. To view a list of companies in your area, click here.

Whichever way you use, be sure to compare equivalent quote data for every quote you compare. If you use different data it will be very difficult to make a fair comparison for your Suzuki Equator. Even a minor difference in limits could throw off the whole comparison. Just keep in mind that getting more free quotes will improve the odds of getting the best price. Some smaller insurers to not give quotes online, so you should also compare price estimates on coverage from those companies, too.

Different people need different auto insurance coverages

When it comes to buying the best auto insurance coverage for your vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether you would benefit from an agent’s advice.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Should I buy additional glass protection?
  • How much underlying liability do I need for an umbrella policy?
  • What is the rate difference between pleasure use and commuting?
  • Does coverage extend to a rental car in a foreign country?
  • Should I bundle my homeowners policy with my auto?
  • Does insurance cover tools stolen from my truck?
  • Do I need more liability coverage?
  • When should my teen driver be added to my policy?
  • How does medical payments coverage work?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

What insurance coverages do you need?

Learning about specific coverages of insurance can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are the normal coverages found on most insurance policies.

Collision coverage protection

Collision coverage pays for damage to your Equator caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with another moving vehicle, damaging your car on a curb, hitting a mailbox and colliding with a tree. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle 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 Suzuki Equator.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these coverages do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for expenses like ambulance fees, rehabilitation expenses, hospital visits, pain medications and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as falling objects, damage from flooding and a broken windshield. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverages

Liability coverage protects you from damage or injury you incur to other’s property or people by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things like pain and suffering, court costs, legal defense fees and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.