2013 Suzuki SX4 Car Insurance Quotes – 7 Policy Discounts

Drivers have options when trying to find affordable Suzuki SX4 insurance. They can either waste time driving around trying to get quotes or leverage the internet to make rate comparisons. There is a better way to find insurance coverage online and you need to know the absolute fastest way to compare rates for a new or used Suzuki and get the best price possible from local insurance agents and online providers.

It’s a good habit to quote other rates before your next renewal because rates tend to go up over time. Despite the fact that you may have had the best rate on SX4 insurance last year you will most likely find a better price today. Forget all the misinformation about insurance coverage because we’re going to show you the proper way to properly buy coverages and cut your premium.

Lower rates by qualifying for these seven discounts

Some companies don’t always publicize all possible discounts very clearly, so the below list has both the well known and also the more inconspicuous credits available to bring down your rates.

  • Paperwork-free – A few larger online companies will give a small break get auto insurance over the internet.
  • Data Collection Discounts – Drivers that enable driving data submission to spy on vehicle usage by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates if they have good driving habits.
  • Club Memberships – Joining specific professional or occupational memberships or organizations may earn a discount on your next insurance statement.
  • More Vehicles More Savings – Buying insurance for primary and secondary vehicles on the same insurance policy can get a discount for every vehicle.
  • Accident Forgiveness Coverage – but some insurance companies will let one accident slide without raising rates as long as you don’t have any claims for a specific time period.
  • Air Bags and Passive Restraints – Cars that have air bags and/or automatic seat belt systems may get savings of up to 25% or more.
  • Include Life Insurance and Save – Select insurance companies reward you with lower rates if you buy a life policy as well.

As a footnote on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only reduce individual premiums such as liability and collision coverage. Just because you may think you could get a free insurance policy, insurance companies aren’t that generous.

Some companies that may offer most of the discounts above include:

Check with every company how you can save money. Some of the discounts discussed earlier may not apply to policies everywhere. If you would like to see a list of providers who offer insurance discounts, click here to view.

How to get insurance price quotes

Most companies like 21st Century, Allstate and State Farm give prices for coverage on their websites. Obtaining pricing is pretty painless as you simply type in your coverage preferences on the page. Once entered, their quoting system will obtain credit information and your driving record and generates pricing information based on the data you entered.

Online quotes simplifies rate comparisons, but the time it takes to visit multiple sites and complete many quote forms gets old quite quickly. But it’s also necessary to get many rate quotes if you want to get a better rate.

A less time-consuming method to find lower prices requires only one form to obtain quotes from a bunch of companies at once. It’s a real time-saver, reduces the work, and makes online shopping a little more enjoyable. After sending your information, it is quoted with multiple companies and you can pick any one of the quotes that you receive. If the quotes result in lower rates, you can click and sign and buy the new coverage. The whole process takes 15 minutes at the most and may save quite a bit of money.

To fill out one form to compare multiple rates now, click here to open in a new tab and input your coverage information. If you have your current policy handy, we recommend you copy deductibles and limits exactly as they are listed on your policy. This way, you are getting a rate comparison based on identical coverages.

Auto insurance is unique, just like you

When buying proper insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

For example, these questions could help you determine if your situation would benefit from professional advice.

  • How can I get high-risk coverage after a DUI?
  • Why do I only qualify for high-risk insurance?
  • Why am I required to buy liability insurance?
  • Am I insured when driving a different vehicle?
  • Am I covered if I wreck a rental car?
  • Do I need to file an SR-22 for a DUI in my state?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverage options for a 2013 Suzuki SX4

Understanding the coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision) – This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, fire damage, vandalism and damage from flooding. The most your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverage – Liability insurance provides protection from injuries or damage you cause to people or other property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers things such as loss of income, pain and suffering, repair bills for other people’s vehicles, court costs and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Collision – This coverage covers damage to your SX4 from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as rolling your car, crashing into a ditch and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Insurance for medical payments – Med pay and PIP coverage provide coverage for bills for hospital visits, nursing services, X-ray expenses and chiropractic care. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Suzuki SX4.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Find Good Coverage for Less

We covered some good ideas how you can get a better price on 2013 Suzuki SX4 insurance. The key thing to remember is the more rate quotes you have, the higher your chance of finding inexpensive auto insurance. Drivers may discover the best price on insurance is with the smaller companies.

Insureds switch companies for a number of reasons such as poor customer service, delays in responding to claim requests, high rates after DUI convictions and even an unsatisfactory settlement offer. No matter why you want to switch, switching insurance companies is pretty easy and you might even save some money in the process.

Lower-priced 2013 Suzuki SX4 insurance is possible online in addition to local insurance agencies, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies do not provide online rate quotes and usually these smaller companies sell through independent agents.

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