How to Save on Suzuki SX4 Insurance in Lubbock

Insurance for Suzuki SX4Pretty 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.

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.

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.

Suzuki SX4 Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SX4 LE $220 $486 $400 $24 $120 $1,250 $104
SX4 2WD $254 $400 $400 $24 $120 $1,198 $100
SX4 Sport S $254 $572 $400 $24 $120 $1,370 $114
SX4 Sport SE $254 $572 $400 $24 $120 $1,370 $114
SX4 Technology 2WD $254 $486 $400 $24 $120 $1,284 $107
SX4 Sportback 2WD $254 $486 $400 $24 $120 $1,284 $107
SX4 AWD AWD $254 $486 $400 $24 $120 $1,284 $107
SX4 Sport GTS $254 $572 $400 $24 $120 $1,370 $114
SX4 Technology AWD $286 $486 $400 $24 $120 $1,316 $110
SX4 Touring AWD $286 $486 $400 $24 $120 $1,316 $110
Get Your Own Custom Quote Go

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.

Suzuki SX4 insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SX4 LE $286 $592 $382 $22 $114 $1,421 $118
SX4 2WD $328 $486 $382 $22 $114 $1,357 $113
SX4 Sport S $328 $698 $382 $22 $114 $1,569 $131
SX4 Sport SE $328 $698 $382 $22 $114 $1,569 $131
SX4 Technology 2WD $328 $592 $382 $22 $114 $1,463 $122
SX4 Sportback 2WD $328 $592 $382 $22 $114 $1,463 $122
SX4 AWD AWD $328 $592 $382 $22 $114 $1,463 $122
SX4 Sport GTS $328 $698 $382 $22 $114 $1,569 $131
SX4 Technology AWD $370 $592 $382 $22 $114 $1,505 $125
SX4 Touring AWD $370 $592 $382 $22 $114 $1,505 $125
Get Your Own Custom Quote Go

Suzuki SX4 insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SX4 LE $158 $312 $382 $22 $114 $988 $82
SX4 2WD $182 $256 $382 $22 $114 $956 $80
SX4 Sport S $182 $368 $382 $22 $114 $1,068 $89
SX4 Sport SE $182 $368 $382 $22 $114 $1,068 $89
SX4 Technology 2WD $182 $312 $382 $22 $114 $1,012 $84
SX4 Sportback 2WD $182 $312 $382 $22 $114 $1,012 $84
SX4 AWD AWD $182 $312 $382 $22 $114 $1,012 $84
SX4 Sport GTS $182 $368 $382 $22 $114 $1,068 $89
SX4 Technology AWD $206 $312 $382 $22 $114 $1,036 $86
SX4 Touring AWD $206 $312 $382 $22 $114 $1,036 $86
Get Your Own Custom Quote Go

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.

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.

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.

Find insurance agent in LubbockAfter 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.

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.

409 Frankford AveLubbock, TX 79416(806) 785-4456View Map

2026 82nd St #103Lubbock, TX 79423(806) 783-0831View Map

3410 98th St Ste 3Lubbock, TX 79423(806) 793-2855View Map

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.

4432 S Loop 289Lubbock, TX 79414(806) 798-7800View Map

5812 66th StLubbock, TX 79424(806) 763-7311View Map

6102 82nd St #6Lubbock, TX 79424(806) 745-8358View Map

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 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.

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