How to Save on Sacramento Suzuki SX4 Insurance

The best way we recommend to quote cheaper Suzuki SX4 insurance in Sacramento is to do an annual price comparison from insurers that sell auto insurance in California. Rate comparisons can be done by following these guidelines.

Step 1: Take a few minutes and learn about the different coverages in a policy and the steps you can take to keep rates down. Many policy risk factors that result in higher rates like traffic citations and an unacceptable credit history can be remedied by making small lifestyle or driving habit changes. Later in this article we will cover instructions to prevent high prices and find discounts that may have been missed.

Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from one company like GEICO or State Farm, while independent agents can give you price quotes from multiple insurance companies.

Step 3: Compare the new rate quotes to your current policy to see if switching to a new carrier will save money. If you can save some money and buy the policy, make sure coverage is continuous and does not lapse.

Step 4: Tell your current company to cancel your current policy and submit a completed policy application and payment to your new insurance company. Be sure to store the certificate verifying coverage in an easily accessible location.

The most important part of shopping around is to make sure you’re comparing the same level of coverage on each quote request and and to look at as many auto insurance providers as possible. Doing this guarantees an apples-to-apples comparison and the best price selection.

Insurance for Suzuki SX4It’s safe to conclude that car insurance companies want to keep you from comparing rates. People who compare price quotes will presumably move their business because of the high probability of finding discount prices. A recent study showed that consumers who shopped around annually saved an average of $72 a month compared to drivers who don’t regularly compare prices.

If finding budget-friendly rates on car insurance in Sacramento is your ultimate objective, then understanding how to shop for insurance coverage can make it easier to shop your coverage around.

Locating the most cost-effective auto insurance policy in Sacramento is much easier if you have a good place to start. If you are insured now, you stand a good chance to be able to reduce the price you pay using the concepts covered in this article. Although California drivers do need to learn the way insurance companies determine what you pay because rates are impacted by many factors.

Most companies provide prices directly from their websites. Getting online quotes for Suzuki SX4 insurance in Sacramento is pretty easy because it’s just a matter of typing in the coverages you want on the page. After the form is submitted, their quoting system makes automated requests for your credit score and driving record and returns pricing information based on the data you entered. This makes it easy to compare insurance prices and it’s very important to perform this step in order to get a better rate.

To fill out one form to compare multiple rates now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have a policy now, it’s recommended you input coverages and limits exactly as they are listed on your policy. This ensures you will receive comparison quotes for similar insurance coverage.

The following companies can provide quotes in Sacramento, CA. If multiple companies are listed, we suggest you click on several of them in order to get a fair rate comparison.

Cheap Suzuki SX4 insurance rates in Sacramento

Properly insuring your vehicles can get expensive, but there could be significant discounts that you may not even be aware of. Certain discounts will be triggered automatically at quote time, but once in a while a discount must be inquired about prior to receiving the credit. If you aren’t receiving every discount you qualify for, you could be getting lower rates.Insurance discounts

Drivers should understand that most discount credits are not given to all coverage premiums. Some only apply to individual premiums such as physical damage coverage or medical payments. So when it seems like you could get a free insurance policy, insurance companies wouldn’t stay in business.

The example below visualizes the comparison of Suzuki SX4 annual premium costs with and without discounts. The rates are based on a female driver, a clean driving record, no claims, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, safe-driver, marriage, and homeowner discounts applied.

To choose insurers with the best discounts in California, click here.

Statistics and details

The data table shown next outlines estimates of coverage costs for Suzuki SX4 models. Learning a little about how insurance prices are formulated can assist in making smart choices when buying a policy.

Suzuki SX4 Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SX4 LE $318 $776 $574 $34 $172 $1,874 $156
SX4 2WD $366 $638 $574 $34 $172 $1,784 $149
SX4 Sport S $366 $914 $574 $34 $172 $2,060 $172
SX4 Sport SE $366 $914 $574 $34 $172 $2,060 $172
SX4 Technology 2WD $366 $776 $574 $34 $172 $1,922 $160
SX4 Sportback 2WD $366 $776 $574 $34 $172 $1,922 $160
SX4 AWD AWD $366 $776 $574 $34 $172 $1,922 $160
SX4 Sport GTS $366 $914 $574 $34 $172 $2,060 $172
SX4 Technology AWD $412 $776 $574 $34 $172 $1,968 $164
SX4 Touring AWD $412 $776 $574 $34 $172 $1,968 $164
Get Your Own Custom Quote Go

Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Rates do not factor in specific location which can alter insurance rates substantially.

An analysis of deductible level

One of the more difficult decisions when buying auto insurance is how high should your deductibles be. The tables below may help you to understand the cost difference when you select higher and lower insurance deductibles. The first data set uses a $100 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.

Suzuki SX4 insurance premium estimates 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
Get Your Own Custom Quote Go

Suzuki SX4 insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SX4 LE $184 $362 $442 $26 $132 $1,146 $96
SX4 2WD $210 $298 $442 $26 $132 $1,108 $92
SX4 Sport S $210 $426 $442 $26 $132 $1,236 $103
SX4 Sport SE $210 $426 $442 $26 $132 $1,236 $103
SX4 Technology 2WD $210 $362 $442 $26 $132 $1,172 $98
SX4 Sportback 2WD $210 $362 $442 $26 $132 $1,172 $98
SX4 AWD AWD $210 $362 $442 $26 $132 $1,172 $98
SX4 Sport GTS $210 $426 $442 $26 $132 $1,236 $103
SX4 Technology AWD $238 $362 $442 $26 $132 $1,200 $100
SX4 Touring AWD $238 $362 $442 $26 $132 $1,200 $100
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Prices do not factor in Sacramento location which can decrease or increase premiums greatly.

Using the premium rates above, we can conclude that using a $100 deductible will cost you approximately $44 more each month or $528 each year than opting for the higher $1,000 deductible. Since you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 20 months between claim filings, you would more than likely save some money by going with a higher deductible.

Annual premiums for males compared to females

The illustration below illustrates the difference between Suzuki SX4 insurance rates for male and female drivers. The rate quotes are based on a clean driving record, no at-fault accidents, full coverage, $1,000 deductibles, drivers are single, and no discounts are applied.

Rate difference between full and liability-only coverage

The illustration below compares Suzuki SX4 insurance costs with and without physical damage coverage. The premiums assume no claims or driving citations, $250 deductibles, drivers are not married, and no policy discounts are applied.

When to buy liability coverage only

There isn’t a written rule to drop physical damage insurance, but there is a general school of thought. If the annual cost of your full coverage insurance is more than about 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

For example, let’s say your Suzuki SX4 replacement cost is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $2,000 after the deductible is paid. If you are currently paying more than $200 annually for physical damage coverage, then it may be the right time to buy liability only.

There are some circumstances where dropping full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to satisfy the requirements of the loan. 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.

What Determines Suzuki SX4 Insurance Premiums?

Part of the insurance buying process is learning some of the elements that go into determining your policy premiums. If you have some idea of what impacts premium levels, this helps enable you to make changes that can help you get lower insurance prices. Lots of things are considered when you quote your car insurance policy. Some of the criteria are obvious such as your driving history, but other criteria are less apparent like where you live and annual miles driven.

The following are some of the most common factors used by insurance companies to determine your premiums.

Can’t I compare rates from local Sacramento car insurance agents?

Certain consumers prefer to visit with an insurance agent and that is a personal choice. The biggest benefit of comparing rates online is you can get the best rates and still choose a local agent.

Insurance agency in SacramentoOnce you complete this short form, the coverage information is submitted to companies in Sacramento who can give free rate quotes for your coverage. There is no reason to leave your house as quotes are delivered to the email address you provide. You can get cheaper insurance rates without requiring a lot of work. If for some reason you want to get a comparison quote from one company in particular, you just need to visit that company’s website to submit a rate quote request.

Finding the right insurer needs to be determined by more than just the premium amount. Here are some questions to ask:

If you need to find a reliable insurance agency, you need to know there are two different agency structures from which to choose. Insurance agents may be either independent or exclusive depending on the company they work for.

Exclusive Insurance Agents

Exclusive agencies can only provide pricing for a single company and examples are State Farm, Allstate, or Farmers Insurance. These agents are not able to provide other company’s prices so keep that in mind. Exclusive agents are well trained on the products they sell and that can be a competitive advantage.

Shown below are exclusive agencies in Sacramento that can give you rate quotes.

1001 26th StSacramento, CA 95816(916) 447-8560View Map

2331 El Camino AveSacramento, CA 95821(916) 488-2212View Map

2840 Del Paso Rd #300Sacramento, CA 95834(916) 575-7600View Map

More Sacramento agents

Independent Insurance Agencies

Agents of this type often have many company appointments and that gives them the ability to insure amongst many companies and find you the best rates. If you want to switch companies, your policy is moved internally and you don’t have to do anything. If you need lower rates, it’s recommended you include a few independent agents to maximize your price options.

Below are Sacramento independent agents who can help you get comparison quotes.

1610 Arden Way # 121Sacramento, CA 95815(916) 286-5960View Map

1515 30th St #200Sacramento, CA 95816(916) 444-9787View Map

Melissa Saites Nelson Insurance Agency, Inc.
4749 J StSacramento, CA 95819(916) 531-6061View Map

More Sacramento agents

If you get satisfactory answers for all questions you ask and locked in a price quote, you’ve probably found an auto insurance agent that is a good match to properly insure your vehicles.

Get the best coverage at the most affordable price

Cost effective Suzuki SX4 insurance is definitely available both online and also from your neighborhood Sacramento agents, and you should compare price quotes from both to have the best selection. Some insurance companies may not offer the ability to get quotes online and these regional carriers prefer to sell through independent agents.

When you buy Sacramento auto insurance online, don’t be tempted to buy less coverage just to save a little money. In many cases, someone dropped full coverage and learned later that they should have had better coverage. Your goal should be to purchase a proper amount of coverage for the lowest cost, not the least amount of coverage.

Much more information about insurance in California is available below: