2010 Suzuki Equator Car Insurance Quotes

Trying to find the cheapest auto insurance rates for your Suzuki Equator? Are you tired of being strong-armed to keep your car insured? Your situation is no different than the majority of other drivers.

Drivers have so many auto insurance companies to purchase coverage from, and although it’s a good thing to have a choice, it can be more challenging to locate the cheapest rates.

You should take the time to get comparison quotes every six months because insurance prices are constantly changing. Even if you got the lowest price on Equator coverage at your last renewal you will most likely find a better rate quote today. There is a lot of bad information regarding auto insurance on the internet, but you can learn some great ideas on how to find affordable auto insurance.

Finding the best rates is not rocket science. If you have car insurance now, you will most likely be able to cut costs considerably using this strategy. Although car owners benefit from understanding how big insurance companies sell insurance online and use this information to your advantage.

How to buy auto insurance online

There are multiple methods to compare auto insurance quotes, and some are more efficient than others. You can waste a few hours (or days) driving to insurance agencies in your area, or you can utilize the web to get rate comparisons in just a few minutes.

Many popular insurance companies participate in an industry program where insurance shoppers enter their policy data once, and at least one company returns a rated price. This eliminates the need for quotation requests for every auto insurance company.

To compare rates using this form now click here to start a free quote.

The single downside to doing it this way is you don’t know exactly which carriers to get quotes from. If you prefer to choose individual companies to request quotes from, we have a listing of auto insurance companies in your area. Click to view list.

The approach you take is up to you, just make darn sure you compare equivalent coverages on every price quote you get. If you are comparing unequal deductibles or liability limits it’s impossible to determine the lowest rate for your Suzuki Equator. Just slight variations in insurance coverages could skew the results. Keep in mind that obtaining a wide range of quotes helps increase your odds of locating the best rates.

Cheaper car insurance quotes with discounts

Car insurance companies don’t list all disounts very clearly, so below is a list some of the more common and the harder-to-find credits that may apply to you.

• Air Bags and Passive Restraints – Cars that have air bags or motorized seat belts can get savings of 20 to 30 percent.
• New Car Discount – Insuring a new car can save you some money since newer vehicles have better safety ratings.
• Resident Student – living away from home attending college and won’t have access to an insured vehicle may be insured at a cheaper rate.
• Anti-lock Brakes – Anti-lock brake equipped vehicles are much safer to drive and qualify for as much as a 10% discount.
• Defensive Driver Discounts – Successfully completing a defensive driver course could save 5% or more if your company offers it.
• Home Ownership Discount – Just owning your own home can save you money because it shows financial diligence.
• Federal Employees – Active or former government employment may reduce rates when you quote insurance coverage on Equator coverage depending on your car insurance provider.
• Accident-Free Discounts – Claim-free drivers pay much less compared to bad drivers.

Please keep in mind that some of the credits will not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as liability and collision coverage. Just because it seems like all the discounts add up to a free policy, you aren’t that lucky.

Companies that may offer policyholders some of the discounts shown above include:

• American Family
• Farm Bureau
• State Farm
• Travelers
• The Hartford
• Geico
• Progressive

If you need lower rates, check with every prospective company how you can save money. A few discounts might not be offered on policies in your state. To see providers who offer online car insurance quotes, click here to view.

Why your insurance prices might be higher

Many different elements are taken into consideration when you get your auto insurance bill. Some are pretty understandable such as traffic violations, although others are more transparent like your continuous coverage or how safe your car is.When buying car insurance it’s important to understand the rating factors that aid in calculating the price you pay for car insurance. If you have a feel for what influences your rates, this enables informed choices that can earn you lower premium levels.

The factors shown below are a few of the “ingredients” used by companies to determine prices.

• A good credit history can save money – Having a good credit score factor in determining premium rates. If your credit score is not that good, you may save money insuring your 2010 Suzuki Equator by repairing your credit. People with good credit tend to file fewer claims and have better driving records than drivers who have bad credit.
• Your employer can affect rates – Occupations like doctorsairline pilots and emergency personnel generally have higher premium rates due to intense work-related stress and extremely grueling work hours. Other jobs like actors, students and homemakers have lower than average premiums on Equator coverage.
• Teenagers are high risk – Drivers with little experience are statistically shown to be careless and easily distracted behind the wheel and because of this, their car insurance rates are much higher. Older, more experienced drivers are shown to be more cautious, tend to file fewer claims .
• Being married is a bonus – Having a spouse may save some money on your car insurance policy. Having a spouse generally demonstrates drivers are more responsible and statistics show drivers who are married are more cautious.
• Never let your car insurance lapse – Having a lapse in insurance coverage can be a guaranteed way to increase your car insurance rates. Not only will rates go up, the inability to provide proof of insurance can result in fines or a revoked license. You may then be required to submit proof of financial responsibility or a SR-22 with your state DMV.
• Prices also based on gender – Over the last 30 years, statistics show that females tend to be a little less risky than males. This data doesn’t prove that females are better at driving than males. Both sexes tend to get into accidents in similar percentages, but men cause more damage and cost insurance companies more money. They also get higher numbers of serious violations like reckless driving and DUI.
• Alarms and GPS tracking lower car insurance rates – Selecting a car model with anti-theft technology or alarm system can save you a little every year. Theft prevention features like OnStar, LoJack tracking, and tamper alarms all help stop car theft.
• Don’t cut corners with liability – The liability section of your policy will protect you when a court rules you are at fault for an accident. Liability insurance provides legal defense coverage starting from day one. Liability insurance is quite affordable when compared with rates for comp and collision, so buy as much as you can afford.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. For example, these questions may help highlight if your situation may require specific advice.

• How high should my medical payments coverage be?
• Should I waive the damage coverage when renting a car?
• What are the financial responsibility laws in my state?
• Is business property covered if stolen from my car?
• Am I covered when delivering products for my home-based business?
• Is a blown tire covered by insurance?
• Should I buy only the required minimum liability coverage?
• Should I bundle my homeowners policy with my auto?
• At what point should I drop full coverage?
• Are my friends covered when driving my car?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area.

Switch companies and save? Really?

Well-known insurance companies like 21st Century, Allstate and State Farm continually stream television, radio, and online ads. They all make an identical promise that drivers can save some big amount if you switch to them. How can each company charge lower premium rates? It’s all in the wording.

All the different companies give the cheapest rates for the type of driver that is profitable for them. One example of a desirable risk may need to be a female over age 40, insures multiple vehicles, and drives less than 5,000 miles a year. Any customer who fits that profile will most likely get cheap car insurance rates and is almost guaranteed to save money with a new company.

Drivers who do not match those criteria will probably be forced to pay higher premiums which translates to business going elsewhere. If you listen closely, the ads state “customers that switch” not “everybody who quotes” can save as much as they claim. That is how companies can make claims that they all have the best rates. This really drives home the point why drivers must compare rate quotes every year. It’s impossible to know with any certainty which company will have better prices than you’re paying now.

Coverages available on your auto insurance policy

Learning about specific coverages of your auto insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from auto insurance companies.

Collision insurance

This pays for damage to your Equator caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a mailbox, sideswiping another vehicle, colliding with a tree and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, damage from flooding and rock chips in glass. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for X-ray expenses, surgery, ambulance fees, rehabilitation expenses and chiropractic care. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover 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

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability coverage

This provides protection from damage that occurs to other’s property or people in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like funeral expenses, emergency aid, repair bills for other people’s vehicles, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Saving money makes a lot of cents

When getting insurance coverage quotes online, it’s not a good idea to sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy a smart amount of coverage for the lowest price while still protecting your assets.

You just read many tips how you can compare 2010 Suzuki Equator insurance prices online. The key thing to remember is the more times you quote, the better your chances of lowering your rates. Consumers could even find that the best prices are with a smaller regional carrier. These smaller insurers may only write in your state and offer lower rates compared to the large companies like Geico and State Farm.

Lower-priced 2010 Suzuki Equator insurance can be purchased both online and from local insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who may not offer the ability to get quotes online and these small, regional companies prefer to sell through independent agents.

For more information, feel free to browse the following helpful articles:

• Shopping for a Safe Car (Insurance Information Insitute)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Tools for Teen Driving Safety (State Farm)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Drunk Driving Statistics (Insurance Information Insitute)