Best Ways to Save on San Diego Suzuki SX4 Insurance

Insurance for Suzuki SX4Searching for better insurance prices for a Suzuki SX4 in California can be a painful process, but you can follow a few tricks to make it easier. There is a right way and a wrong way to shop for auto insurance so we’re going to tell you the absolute fastest way to get price quotes for a new or used Suzuki and obtain the lowest price.

Sad but true, most California auto insurance customers have been with the same company for a minimum of four years, and approximately 40% of consumers have never compared rates with other companies. Most drivers in the U.S. could save themselves $850 a year, but they assume it’s a waste of time to save money by comparing rate quotes.

It’s a good idea to compare prices quite often because auto insurance prices trend upward over time. Just because you found the best rates on Suzuki SX4 insurance in San Diego at your last renewal you may be paying too much now. Block out anything you think you know about auto insurance because I’m going to teach you how to use online quotes to find better rates and still maintain coverage.

These ten discounts can lower your insurance quotes

Car insurance companies don’t always publicize all possible discounts very well, so we took the time to find both the well known and also the more inconspicuous credits available to lower your premiums when you buy San Diego auto insurance online. If you are not receiving all the discounts possible, you are throwing money away.

A quick disclaimer, most of the big mark downs will not be given to the entire policy premium. Some only apply to individual premiums such as medical payments or collision. Despite the fact that it seems like you would end up receiving a 100% discount, nobody gets a free ride.

A few of the larger companies and the discounts they provide can be read below.

Double check with every prospective company what discounts are available to you. Some of the earlier mentioned discounts may not be offered in your area. To find providers with discount rates in California, click here to view.

The quickest way to compare car insurance company rates for Suzuki SX4 insurance in San Diego is to know all the major auto insurance companies participate in a system to give rate comparisons. The only thing you need to do is spend a couple of minutes providing details including how your vehicles are used, whether you are married, whether or not you need a SR-22, and the type of vehicles you drive. That rating information is instantly submitted to many different companies and you get price estimates almost instantly.

To find lower cheaper Suzuki SX4 insurance rates now, click here and complete the form.

The car insurance companies shown below are ready to provide free rate quotes in San Diego, CA. If more than one company is shown, we suggest you visit as many as you can to get a more complete price comparison.

Suzuki SX4 Insurance Costs in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SX4 LE $158 $354 $500 $30 $150 $1,192 $99
SX4 2WD $294 $464 $500 $30 $150 $1,438 $120
SX4 Sport S $390 $678 $578 $34 $174 $1,854 $155
SX4 Sport SE $270 $536 $450 $26 $134 $1,416 $118
SX4 Technology 2WD $238 $478 $500 $30 $150 $1,396 $116
SX4 Sportback 2WD $182 $372 $500 $30 $150 $1,234 $103
SX4 AWD AWD $164 $308 $424 $26 $126 $1,048 $87
SX4 Sport GTS $380 $810 $442 $26 $132 $1,790 $149
SX4 Technology AWD $296 $478 $416 $24 $124 $1,338 $112
SX4 Touring AWD $270 $454 $500 $30 $150 $1,404 $117
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Information does not factor in San Diego location which can modify coverage prices substantially.

Suzuki SX4 insurance rates: Men versus women

The example below shows the difference between Suzuki SX4 auto insurance costs for male and female drivers. The information is based on no driving violations, no at-fault accidents, full coverage, $100 deductibles, marital status is single, and no other discounts are factored in.

Where to set your deductibles

One common question asked by San Diego drivers is what deductibles to buy. The comparisons below illustrate the rate difference between high and low deductibles. The first set of prices uses a $100 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.

Suzuki SX4 insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SX4 LE $332 $686 $442 $26 $132 $1,643 $137
SX4 2WD $380 $564 $442 $26 $132 $1,569 $131
SX4 Sport S $380 $810 $442 $26 $132 $1,815 $151
SX4 Sport SE $380 $810 $442 $26 $132 $1,815 $151
SX4 Technology 2WD $380 $686 $442 $26 $132 $1,691 $141
SX4 Sportback 2WD $380 $686 $442 $26 $132 $1,691 $141
SX4 AWD AWD $380 $686 $442 $26 $132 $1,691 $141
SX4 Sport GTS $380 $810 $442 $26 $132 $1,815 $151
SX4 Technology AWD $430 $686 $442 $26 $132 $1,741 $145
SX4 Touring AWD $430 $686 $442 $26 $132 $1,741 $145
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Suzuki SX4 insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SX4 LE $242 $464 $442 $26 $132 $1,306 $109
SX4 2WD $278 $382 $442 $26 $132 $1,260 $105
SX4 Sport S $278 $546 $442 $26 $132 $1,424 $119
SX4 Sport SE $278 $546 $442 $26 $132 $1,424 $119
SX4 Technology 2WD $278 $464 $442 $26 $132 $1,342 $112
SX4 Sportback 2WD $278 $464 $442 $26 $132 $1,342 $112
SX4 AWD AWD $278 $464 $442 $26 $132 $1,342 $112
SX4 Sport GTS $278 $546 $442 $26 $132 $1,424 $119
SX4 Technology AWD $314 $464 $442 $26 $132 $1,378 $115
SX4 Touring AWD $314 $464 $442 $26 $132 $1,378 $115
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Premium costs do not factor in specific San Diego garaging location which can influence auto insurance rates significantly.

Based on this data, using a $100 deductible costs approximately $29 more each month or $348 every year than opting for the higher $500 deductible. Since you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 14 months between claim filings, you would save money going with the higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $100 deductibles: $143
Average monthly premium for $500 deductibles (subtract): – $114
Monthly savings from raising deductible: $29
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

An important thing to remember is that raising deductibles to get cheaper rates means you pay more out-of-pocket when you have a comprehensive or collision claim. You will want to have some money saved in order to pay the deductible.

Insurance is available from local insurance agents

Many people prefer to visit with an insurance agent and that is recommended in a lot of cases Professional agents can help determine the best coverages and help you file claims. The biggest benefit of comparing rates online is you can get cheap rate quotes and still choose a local agent.

San Diego insurance agentsBy using this simple form, your insurance data is submitted to companies in San Diego that can provide free San Diego auto insurance quotes to get your business. You never need to contact an agency since rate quotes are delivered to the email address you provide. If you have a need to get a comparison quote from a specific insurance provider, you just need to visit that company’s website and fill out their quote form.

Picking the best insurance company requires you to look at more than just a cheap price. Any agent in San Diego should be forthright in answering these questions:

Independent or Exclusive: It’s your choice

If you are searching for a local agent, it can be helpful to understand the types of agencies that you can choose from. Insurance policy providers can be classified as either independent agents or exclusive agents. Either type can sell affordable insurance policies, but it’s important to point out the difference between them since it can affect which agent you choose.

Exclusive Agents

Exclusive insurance agents have only one company to place business with and examples are State Farm, AAA, and Liberty Mutual. Exclusive agents cannot shop your coverage around so they have to upsell other benefits. Exclusive agencies receive a lot of sales training on their company’s products which helps offset the inability to provide other markets. Consumers often purchase coverage from exclusives mostly because of the brand rather than having the cheapest rates.

Listed below are San Diego exclusive agencies who can help you get price quote information.

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Independent Agents

Independent agents do not have single company limitations so they can insure your vehicles through many different insurance companies and find the cheapest rate. If your premiums go up, your agent can switch companies which makes it simple for you.

If you need lower rates, you absolutely need to include a couple of independent agencies to get the best comparison. Most have the option of insuring with companies that do not advertise much which can save you money.

Listed below are San Diego independent agents who can help you get price quotes.

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Three reasons car insurance is important

Even though San Diego SX4 insurance rates can get expensive, car insurance serves a purpose in several ways.

The benefits of having insurance greatly outweigh the cost, especially if you ever need it. Today the average American driver is overpaying more than $800 each year so compare quotes from several companies each time the policy renews to be sure current rates are still competitive.

The coverage is in the details

Understanding the coverages of your policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for immediate expenses for EMT expenses, nursing services, chiropractic care, funeral costs and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Auto liability insurance – Liability coverage can cover damage or injury you incur to other’s property or people by causing an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 15/30/5 that translate to a limit of $15,000 per injured person, a total of $30,000 of bodily injury coverage per accident, and property damage coverage for $5,000.

Liability can pay for claims such as funeral expenses, repair bills for other people’s vehicles, loss of income, pain and suffering and medical services. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible. California requires minimum liability limits of 15/30/5 but you should consider buying better liability coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Suzuki SX4.

Due to the fact that many California drivers only purchase the least amount of liability that is required (which is 15/30/5), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive auto coverage – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like vandalism, hitting a deer, theft and hail damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision – Collision coverage will pay to fix damage to your SX4 resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with a tree, sustaining damage from a pot hole and crashing into a ditch. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible on your SX4 to bring the cost down.

One last thing about your coverage

Drivers leave their current company for many reasons like high rates after DUI convictions, an unsatisfactory settlement offer, questionable increases in premium and even extreme rates for teen drivers. Whatever your reason, choosing a new insurance company is easier than you think.

As you quote San Diego auto insurance, do not buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced liability limits or collision coverage only to find out that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at the lowest possible cost.

In this article, we covered some good ideas how to lower your Suzuki SX4 insurance rates in San Diego. The key thing to remember is the more companies you get auto insurance rates for, the better chance you’ll have of finding affordable Suzuki SX4 insurance quotes. You may even discover the most savings is with an unexpected company.

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