Compare 2012 Suzuki Equator Insurance Quotes

I can’t think of a single person who rejoices having to buy car insurance, especially when they are aware that the prices are way too high. Insurance companies such as State Farm and Geico all claim big savings, bombarding you with TV and radio ads and it can be hard to see past the corporate glitz and do the work needed to find the best deal.

Lower rates by qualifying for discounts

Some insurance providers don’t always publicize all possible discounts in an easy-to-find place, so the list below details both the well known in addition to some of the lesser obvious credits that you can use to lower your rates. If you do not check that you are getting every discount available, you are throwing money away.

• Onboard Data Collection – Drivers who elect to allow their car insurance company to analyze driving patterns by installing a telematics device such as State Farm’s In-Drive could save a few bucks as long as the data is positive.
• Discount for Multiple Policies – If you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
• Save with a New Car – Putting insurance on a new car can be considerably cheaper because new model year vehicles keep occupants safer.
• Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts can save 10% or more on medical payment and PIP coverage.
• No Charge for an Accident – This one is not really a discount per se, but certain companies permit an accident without getting socked with a rate hike as long as you don’t have any claims for a particular time prior to the accident.
• Senior Citizen Rates – If you’re over the age of 55, you may qualify for a small discount on rates for Equator insurance.

Don’t be surprised that many deductions do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as comp or med pay. Even though the math looks like all those discounts means the company will pay you, car insurance companies aren’t that generous.

Some of the insurance companies that may offer some of the above discounts are:

• Geico
• Auto-Owners Insurance
• American Family
• Esurance
• Progressive
• State Farm
• AAA

Check with every company which discounts you qualify for. All car insurance discounts might not be offered on policies everywhere. To choose insurance companies with discount rates, click here.

How car insurance companies calculate Suzuki Equator insurance costs

Multiple criteria are considered when premium rates are determined. Most are fairly basic such as traffic violations, but other criteria are less obvious like where you live or how safe your car is.

Shown below are some of the factors used by insurance companies to determine premiums.

• Extra coverages are wasting money – There are a ton of extra add-on coverages that may not really be needed on your Equator policy. Add-on coverages like vanishing deductibles, towing, and membership fees are examples of these. These may sound like a good investment initially, but your money might be better spent on other coverage so remove them from your policy.
• Where you call home is a factor – Living in smaller towns and rural areas of the country is a good thing when trying to find low car insurance rates. Less people living in that area translates into fewer accident claims and lower theft and vandalism rates. Drivers who live in large cities have to deal with more road rage incidents and more severe claims. The longer drive time can result in more accidents.
• Safety ratings are a factor – Cars with high safety ratings are cheaper to insure. Safe vehicles result in less severe injuries and fewer serious injuries translates directly to fewer claims which can mean better rates for you. If your Suzuki is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
• Alarm systems save money – Driving a car with advanced anti-theft systems can save you some money. Advanced theft deterrents such as GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent car theft and help bring rates down.

Car insurance is unique, just like you

When buying adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. These are some specific questions can aid in determining if your insurance needs could use an agent’s help.

• Do I need motorclub coverage?
• What vehicles should carry emergency assistance coverage?
• Can my teen drive my company car?
• What are the best liability limits?
• Do I have coverage for damage caused while driving under the influence?
• Is my 2012 Suzuki Equator covered for flood damage?
• Should I file a claim if it’s only slightly more than my deductible?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Coverages available on your policy

Learning about specific coverages of a auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverages found on most auto insurance policies.

Protection from uninsured/underinsured drivers

This coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Suzuki Equator.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from getting keyed, hitting a deer, damage from a tornado or hurricane, a tree branch falling on your vehicle and a broken windshield. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability car insurance

This coverage can cover damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as pain and suffering, emergency aid, legal defense fees, bail bonds and court costs. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Collision protection

This pays for damage to your Equator from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as damaging your car on a curb, backing into a parked car and rolling your car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Medical expense insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses like doctor visits, chiropractic care, nursing services and EMT expenses. They are used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Quote more. Save more.

Affordable 2012 Suzuki Equator insurance is attainable online in addition to local insurance agencies, so you need to shop car insurance with both so you have a total pricing picture. Some insurance companies may not offer the ability to get a quote online and usually these smaller providers prefer to sell through independent agents.

You just learned a lot of tips how to shop for 2012 Suzuki Equator insurance online. The most important thing to understand is the more times you quote, the better your chances of lowering your premium rates. You may be surprised to find that the lowest auto insurance rates come from a company that doesn’t do a lot of advertising. These smaller insurers may have significantly lower premium rates on certain market segments compared to the large companies like Allstate and Progressive.

When you buy car insurance online, never buy lower coverage limits just to save a few bucks. In many instances, someone dropped liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase plenty of coverage at the lowest possible cost and still be able to protect your assets.

Additional detailed information is located in these articles:

• Shopping for a Safe Car (Insurance Information Insitute)
• Teen Driver Statistics (Insurance Information Insitute)
• What Does No-Fault Insurance Cover? (Allstate)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• State Laws for Cellphones and Texting (iihs.org)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)