Suzuki Equator Insurance Rates in Sacramento

Insurance rates Suzuki Equator in SacramentoShockingly, 70% of consumers kept their coverage with the same car insurance company for a minimum of four years, and nearly 40% of drivers have never shopped around. Sacramento consumers can save hundreds of dollars each year just by getting comparison quotes, but they won’t spend time to shop their coverage around.

If saving money is your primary concern, then the best way to find discount Suzuki Equator insurance in Sacramento is to make a habit of regularly comparing prices from insurance carriers in California.

One thing to point out is to try to compare the same coverage limits and deductibles on every quote request and and to look at as many companies as feasibly possible. This ensures a level playing field and maximum price selection.

Analysis of Suzuki Equator rates

The price information shown next covers a range of insurance costs for Suzuki Equator models. Having knowledge of how insurance quotes are determined is important to be able to make decisions on which insurance to purchase.


Suzuki Equator Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equator Ext Cab 2WD $142 $246 $416 $24 $124 $952 $79
Equator Ext Cab 2WD $142 $246 $416 $24 $124 $952 $79
Equator Ext Cab 2WD $162 $300 $416 $24 $124 $1,026 $86
Equator Ext Cab 2WD $162 $300 $416 $24 $124 $1,026 $86
Equator Ext Cab 4WD $162 $300 $416 $24 $124 $1,026 $86
Equator Crew Cab 4WD $184 $354 $416 $24 $124 $1,102 $92
Equator Crew Cab 4WD $184 $354 $416 $24 $124 $1,102 $92
Equator Crew Cab 4WD $184 $354 $416 $24 $124 $1,102 $92
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in specific location information which can decrease or increase prices greatly.

Physical damage deductibles

A question often asked by Sacramento drivers is how low should you set your deductibles. The following tables sum up the differences in premium rates between high and low comp and collision deductibles. The first pricing table uses a $250 deductible and the second price grid uses a $500 deductible.


Suzuki Equator insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equator Ext Cab 2WD $298 $472 $442 $26 $132 $1,395 $116
Equator Ext Cab 2WD $298 $472 $442 $26 $132 $1,395 $116
Equator Ext Cab 2WD $342 $576 $442 $26 $132 $1,543 $129
Equator Ext Cab 2WD $342 $576 $442 $26 $132 $1,543 $129
Equator Ext Cab 4WD $342 $576 $442 $26 $132 $1,543 $129
Equator Crew Cab 4WD $386 $678 $442 $26 $132 $1,689 $141
Equator Crew Cab 4WD $386 $678 $442 $26 $132 $1,689 $141
Equator Crew Cab 4WD $386 $678 $442 $26 $132 $1,689 $141
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Suzuki Equator insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equator Ext Cab 2WD $242 $382 $442 $26 $132 $1,224 $102
Equator Ext Cab 2WD $242 $382 $442 $26 $132 $1,224 $102
Equator Ext Cab 2WD $278 $464 $442 $26 $132 $1,342 $112
Equator Ext Cab 2WD $278 $464 $442 $26 $132 $1,342 $112
Equator Ext Cab 4WD $278 $464 $442 $26 $132 $1,342 $112
Equator Crew Cab 4WD $314 $546 $442 $26 $132 $1,460 $122
Equator Crew Cab 4WD $314 $546 $442 $26 $132 $1,460 $122
Equator Crew Cab 4WD $314 $546 $442 $26 $132 $1,460 $122
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Estimates do not factor in specific location information which can raise or lower premiums considerably.

Using the data above, we can ascertain that using a $250 deductible would cost the average driver about $17 more each month or $204 each year than quoting the higher $500 deductible. Due to the fact that you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you go more than 15 months between claims, you would save more money if you choose the higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $250 deductibles: $130
Average monthly premium for $500 deductibles (subtract): – $113
Monthly savings from raising deductible: $17
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

Difference between liability only and full coverage rates

The information below compares Suzuki Equator yearly insurance costs with full physical damage coverage compared to only buying liability only. The premiums are based on no violations or claims, $250 deductibles, drivers are not married, and no discounts are applied to the premium.

Deciding between full coverage and liability only

There is no set rule of when to stop paying for physical damage coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than around 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.

For example, let’s say your Suzuki Equator replacement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $2,000 after you pay the deductible. If it’s costing in excess of $200 a year for your policy with full coverage, then you may need to consider dropping full coverage.

There are some cases where buying only liability insurance is not advised. If you still have a loan on your vehicle, you have to maintain full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.

Lower Your Sacramento Insurance Prices

One of the most helpful ways to save on auto insurance is to to have a grasp of the rating factors that go into determining your policy premiums. When you know what positively or negatively controls the rates you pay, this enables informed choices that will entitle you to lower rates. Lots of factors are part of the equation when premium rates are determined. Some are obvious like an MVR report, but some are more transparent like where you live or your vehicle rating.

The following are just a few of the factors companies use to determine your premiums.

Ratings for Sacramento auto insurance companies

Picking a good quality car insurance company can be a challenge considering how many different insurance companies sell coverage in California. The information listed below may help you choose which companies to look at purchasing coverage from.

Top 10 Sacramento Car Insurance Companies by A.M. Best Rank

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Esurance – A+
  6. Nationwide – A+
  7. Allstate – A+
  8. Mercury Insurance – A+
  9. Progressive – A+
  10. Titan Insurance – A+

Top 10 Sacramento Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA of Southern California – 92%
  4. AAA Insurance – 91%
  5. Nationwide – 90%
  6. State Farm – 90%
  7. The Hartford – 89%
  8. GEICO – 89%
  9. The General – 88%
  10. 21st Century – 88%

Smart shoppers get results

We just presented many ways to get a better price on Suzuki Equator insurance in Sacramento. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may even find the most savings is with an unexpected company. These companies may have significantly lower rates on certain market segments compared to the large companies like Progressive or GEICO.

Low-cost Suzuki Equator insurance in Sacramento is available from both online companies as well as from independent agents in Sacramento, so get free Sacramento auto insurance quotes from both of them to get a complete price analysis. A few companies may not have rates over the internet and usually these regional carriers only sell through independent agencies.

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