How to Save on Suzuki SX4 Insurance in Lubbock

Pretty sure you bought overpriced Suzuki SX4 insurance in Lubbock? Believe me when I say many Lubbock consumers feel financially strained by their auto insurance policy.

A recent auto insurance study discovered that almost 70% of insureds kept their coverage with the same auto insurance company for a minimum of four years, and almost half have never even compared quotes to find affordable rates. Many consumers in Lubbock could save as much as $1,766 a year just by comparing rates, but they just feel it’s too hard to compare rate quotes online.

Insurance companies such as State Farm, GEICO and Farmers Insurance promote their brand names with catchy ads and consumers find it hard to separate fact from fiction and effectively compare rates to find the best deal.

Consumers need to price shop coverage at least once a year since rates fluctuate regularly. Just because you found the best deal on Suzuki SX4 insurance in Lubbock on your last policy there is a good chance you can find better prices now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the quickest way to get good coverage on Suzuki SX4 insurance in Lubbock at a lower rate.

Lower-cost Suzuki SX4 insurance rates in Lubbock

Properly insuring your vehicles can get expensive, but you might be missing out on some discounts that can help lower your rates. Certain discounts will be triggered automatically at the time of quoting, but some need to be specially asked for before you will receive the discount. If you don’t get every credit possible, you’re paying more than you need to.

• Discounts for Government Workers – Active or retired federal employment could qualify for a slight premium decrease but check with your company.
• Home Ownership Discount – Owning a home in Lubbock can get you a discount due to the fact that maintaining a home requires a higher level of personal finance.
• Distant Student Discount – Kids who attend college more than 100 miles from Lubbock without a vehicle on campus can receive lower rates.
• E-sign – A few insurance companies may give you up to $50 for completing your application digitally online.
• More Vehicles More Savings – Having several vehicles with one company could earn a price break for each car.

Keep in mind that some credits don’t apply to the entire cost. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, you won’t be that lucky.

The example below shows the difference between Suzuki SX4 insurance rates with and without policy discounts. The prices are based on a male driver, no claims or violations, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, marriage, multi-policy, claim-free, and homeowner discounts applied.

A few popular companies and a partial list of their discounts are included below.

• GEICO policyholders can earn discounts including five-year accident-free, seat belt use, multi-vehicle, multi-policy, anti-lock brakes, membership and employees, and defensive driver.
• MetLife offers premium reductions for multi-policy, good student, claim-free, accident-free, and defensive driver.
• Progressive has savings for multi-vehicle, homeowner, multi-policy, continuous coverage, and online signing.
• Travelers may offer discounts for good student, payment discounts, continuous insurance, early quote, IntelliDrive, and student away at school.
• SAFECO offers discounts including bundle discounts, teen safe driver, homeowner, teen safety rewards, safe driver, drive less, and anti-theft.
• AAA offers discounts for good student, multi-policy, AAA membership discount, good driver, and education and occupation.

Before purchasing a policy, check with every prospective company what discounts are available to you. A few discounts may not be offered in your area. To see auto insurance companies with the best discounts in Lubbock, follow this link.

Keep in mind that comparing more quotes will improve the odds of getting the best price. Some regional insurers cannot provide online Lubbock SX4 insurance quotes, so it’s necessary to compare prices from those companies as well.

The companies in the list below offer quotes in Texas. If you want to find cheap car insurance in TX, we recommend you visit as many as you can to find the cheapest car insurance rates.

Suzuki SX4 detailed coverage information

The premium information displayed next outlines different insurance policy prices for Suzuki SX4 models. Having a better idea how car insurance premiums are determined can help you make informed coverage decisions.

Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Table data does not factor in the specific area where the vehicle is garaged which can raise or lower coverage prices greatly.

An analysis of deductible level

A question often asked by Lubbock drivers is how high should the physical damage deductibles be. The following insurance rates may aid in understanding how much more you’ll pay when you select higher and lower insurance deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second price table uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Information does not factor in specific location which can revise coverage rates substantially.

Based on the above data, using a $100 deductible would cost the average driver about $39 more each month or $468 every year than choosing the higher $1,000 deductible. Since you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 23 months between claims, you would save more money if you opt for a higher deductible.

Auto insurance premiums based on gender

The diagram below illustrates the comparison of Suzuki SX4 auto insurance costs for male and female drivers. The prices are based on no accidents, no driving violations, comprehensive and collision coverage, $250 deductibles, drivers are single, and no discounts are applied.

Get Cheaper Insurance Prices by Understanding These Factors

Lots of factors are considered when you get a price on insurance. Some are obvious such as your driving record, but other criteria are more obscure like where you live or your commute time.

• Having a spouse can lower premiums – Being married may earn you lower rates on your policy. Having a significant other translates into being more financially stable it has been statistically shown that married couples file fewer claims.

• Responsible drivers pay better rates – How you drive can have a huge impact on auto insurance premiums. Even one moving violation can increase the cost of insurance twenty percent or more. Drivers who don’t get tickets receive lower rates as compared to careless drivers. Drivers who have gotten serious citations such as DWI, reckless driving or hit and run convictions may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to prevent their license from being revoked.

  The chart below shows how violations and accident claims raise Suzuki SX4 premium costs for different age groups. The costs are based on a single male driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.

• Big cities mean more claims – Choosing to live in a small town is a positive aspect if you are looking for the lowest rates. Urban drivers have more road rage incidents and higher rates of accident claims. Less people translates into fewer accident claims and lower theft and vandalism rates.
• Do you know your comp and collision deductibles? – Comp and collision deductibles are the amount of money you are required to spend if a covered claim is submitted. Physical damage protection, also called ‘full coverage’, is used to repair damage to your car. Examples of covered claims are colliding with a stationary object, animal collisions, and having a roll-over accident. The more of the claim the insured is willing to pay, the lower your rates will be.
• Don’t cut corners with liability insurance – A critical coverage on your policy, liability insurance will afford coverage when you are determined to be liable for personal injury or accident damage. Your liability coverage provides for a legal defense up to the limits shown on your policy. It is affordable coverage compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.

Car insurance can be complex

When quoting and comparing the best car insurance coverage, there really is not a one size fits all plan. Your needs are unique to you.

Here are some questions about coverages that may help you determine if your situation may require specific advice.

• What is motorclub and do I need it?
• Do I need replacement cost coverage?
• Should I put collision coverage on all my vehicles?
• Is business property covered if stolen from my car?
• What does medical payments coverage do?
• How do I buy GAP insurance?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form.

Auto insurance is available from local insurance agents

Many drivers just want to visit with an insurance agent and that is a smart decision A good thing about comparing auto insurance online is that you can find cheap rate quotes but still work with a licensed agent.

After completing this form (opens in new window), your insurance coverage information is immediately sent to companies in Lubbock who will return price quotes for your auto insurance coverage. There is no reason to leave your computer due to the fact that quote results will go to your email. You can find the lowest rates without requiring a lot of work. In the event you want to compare rates from one company in particular, feel free to visit that company’s website to submit a rate quote request.

Choosing an insurer requires you to look at more than just the bottom line cost. Here are some questions you should ask.

• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• Are they able to provide referrals?
• Has the agent ever had any license suspensions?
• Do you have coverage for a rental car if your vehicle is in the repair shop?
• What kind of financial rating does the company have?

If you are wanting to find local Lubbock agents, it can be helpful to understand the different agency structures and how they differ in how they quote coverages. Auto insurance agents are considered either independent or exclusive depending on the company they work for.

Exclusive Insurance Agents

Exclusive insurance agents can only place business with one company such as Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot compare other company’s rates so you need to shop around if the rates are high. Exclusive agencies receive a lot of sales training on sales techniques and that enables them to sell even at higher rates.

Below are Lubbock exclusive insurance agencies who may provide you with price quotes.

More Lubbock agents

Independent Agents (or Brokers)

Agents in the independent channel are not employed by any specific company so they can quote policies with many different companies enabling the ability to shop coverage around. If they find a lower price, the agent simply finds a different carrier and you don’t have to do anything.

If you need cheaper auto insurance rates, you need to get some free quotes from a couple of independent agencies to have the most options to choose from.

The following are Lubbock independent agencies that are able to give rate quotes.

More Lubbock agents

Buying the right vehicle insurance in Texas is an important decision

Even though it’s not necessarily cheap to insure a Suzuki in Lubbock, buying insurance may be required for several reasons.

• The majority of states have minimum liability requirements which means you are required to buy a specific level of liability insurance coverage in order to be legal. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If your SX4 has a lienholder, it’s guaranteed your bank will require you to buy insurance to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Suzuki for a lot more money and force you to reimburse them for the expensive policy.
• Insurance safeguards not only your Suzuki SX4 but also your financial assets. It will also cover all forms of medical expenses that are the result of an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit in the event you are sued. If you have damage to your Suzuki as the result of the weather or an accident, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of buying insurance more than offset the price you pay, particularly if you ever have a claim. According to a 2015 survey, the average American driver is wasting up to $830 a year so it’s very important to do a rate comparison at every renewal to save money.

More comparisons equals cheap rates

When searching for low cost Lubbock auto insurance quotes, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped full coverage to discover at claim time they didn’t purchase enough coverage. Your objective should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

You just read a lot of information how to lower your Suzuki SX4 insurance car insurance rates in Lubbock. The key thing to remember is the more times you quote, the better chance you’ll have of finding inexpensive Lubbock auto insurance quotes. You may even discover the lowest car insurance rates come from a small mutual company.

Consumers switch companies for a variety of reasons including questionable increases in premium, delays in responding to claim requests, extreme rates for teen drivers and denial of a claim. Whatever your reason, finding a great new company is actually quite simple.

How to quote cheaper Suzuki SX4 insurance in Lubbock

The most effective way to get cheaper auto insurance rates is to compare prices once a year from different companies in Lubbock.

• First, try to understand the coverage provided by your policy and the steps you can take to lower rates. Many rating factors that are responsible for high rates like traffic violations, accidents, and an unfavorable credit rating can be rectified by improving your driving habits or financial responsibility.
• Second, request price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like Progressive or Farmers Insurance, while independent agents can give you price quotes for a wide range of insurance providers.
• Third, compare the price quotes to your current policy to see if a cheaper price is available in Lubbock. If you can save some money and buy the policy, make sure coverage is continuous and does not lapse.
• Fourth, give notification to your agent or company of your intent to cancel your current car insurance policy and submit the required down payment along with the signed application to the new company. As soon as coverage is bound, place your new certificate of insurance in your vehicle’s glove compartment or console.

An important note is to try to compare similar coverage information on each quote request and and to get rate quotes from as many different insurance providers as possible. This provides the most accurate price comparison and and a good selection of different prices.

Additional information

• Can I Drive Legally without Insurance? (Insurance Information Institute)
• Who Has Affordable Auto Insurance for College Graduates in Lubbock? (FAQ)
• How Much are Auto Insurance Quotes for Government Employees in Lubbock? (FAQ)
• Who Has Affordable Auto Insurance for Police Officers in Lubbock? (FAQ)
• What Car Insurance is Cheapest for Hybrid Vehicles in Lubbock? (FAQ)
• Get the Right Protection (InsureUonline.org)
• Speed and Speed Limit FAQ (iihs.org)
• Eight Auto Insurance Myths (Insurance Information Institute)
• Should I Buy a New or Used Car? (Allstate)