Save Money on Suzuki Equator Insurance in Lubbock

Everyone knows that insurance companies want to keep you from comparing prices. Drivers who shop rates annually are highly likely to move their business because there is a good probability of finding good coverage at a lower price. Surprisingly, a recent survey revealed that people who faithfully checked for cheaper rates saved an average of $865 annually as compared to drivers who never shopped around for better prices.

If finding the most affordable Suzuki Equator insurance in Lubbock is your ultimate target, learning how to shop and compare coverage rates can help you succeed in saving money.

Truthfully, the best way to get affordable auto insurance rates is to start doing a yearly price comparison from providers who can sell car insurance in Lubbock. This can be done by completing these steps.

Step 1: Try to comprehend how car insurance works and the changes you can make to prevent high rates. Many rating criteria that result in higher prices like inattentive driving and a not-so-good credit score can be improved by making small lifestyle or driving habit changes.

Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from one company like GEICO or Allstate, while independent agents can give you price quotes for many different companies. View companies

Step 3: Compare the new quotes to your existing rates and determine if there is any savings. If you find better rates and switch companies, make sure there is no lapse in coverage.

Step 4: Tell your current agent or company to cancel your current policy. Submit any necessary down payment along with the completed application for the new coverage. When you receive it, safely store the certificate verifying coverage in a readily accessible location in your vehicle.

The critical component of shopping around is to try to use similar limits and deductibles on each price quote and and to get prices from as many different companies as possible. This helps ensure an apples-to-apples comparison and a complete price analysis.

The fastest way that we advise to compare car insurance company rates for Suzuki Equator insurance in Lubbock is to take advantage of the fact most of the larger companies pay for the opportunity to compare rate quotes. To begin a comparison, all you need to do is provide details like how your vehicles are used, if you have a valid license, what you do for a living, and if the car is leased. The data is instantly sent to insurance companies and they return cost estimate instantly to find the best rate.

To check rates for your Suzuki Equator now, click here and enter the information requested.

The car insurance companies shown below offer price comparisons in Texas. In order to find cheap auto insurance in Lubbock, it’s highly recommended you click on several of them to get a more complete price comparison.

Rates and detailed analysis

The premium table displayed next highlights a range of coverage costs for Suzuki Equator models. Understanding more about how rates are formulated can help guide drivers when making decisions on which insurance to purchase.

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Rates do not factor in Lubbock location which can lower or raise premium rates significantly.

Physical damage deductibles

When shopping for car insurance, a common question is where should you set your physical damage deductibles. The comparisons below lay out the rate difference between high and low physical damage deductibles. The first data table uses a $100 physical damage coverage deductible and the second pricing table uses a $500 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rates do not factor in specific garaging location which can decrease or increase rates considerably.

Using the data above, we can ascertain that using a $100 deductible costs approximately $26 more each month or $312 every year averaged for all Equator models than opting for the higher $500 deductible. Since the policyholder would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 15 months between claim filings, you would save more money if you opt for a higher deductible.

The information below illustrates how your choice of deductibles and can impact Suzuki Equator insurance costs for different categories of driver ages. The costs are based on a single male driver, full physical damage coverage, and no additional discounts are factored in.

Driving violations and accidents

The diagram below illustrates how speeding tickets and at-fault accidents can increase Suzuki Equator car insurance costs for each different age group. The premiums assume a single male driver, full coverage, $1,000 deductibles, and no discounts are factored in.

Yearly car insurance costs for men versus women

The diagram below shows the difference between Suzuki Equator insurance costs for male and female drivers. The rates are based on no violations or claims, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no other discounts are factored in.

Car insurance does more than just repair your car

Despite the high cost, car insurance serves an important purpose.

• Just about all states have mandatory liability insurance requirements which means you are required to carry specific limits of liability insurance in order to license the vehicle. 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 you took out a loan on your Suzuki, more than likely the lender will make it mandatory that you have insurance to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Suzuki at a much higher rate and force you to pay for it.
• Insurance protects not only your vehicle but also your financial assets. It will also pay for medical bills for yourself as well as anyone injured by you. One policy coverage, liability insurance, will also pay to defend you if anyone sues you for causing an accident. If your Suzuki gets damaged, comprehensive and collision coverage will pay to repair the damage.

The benefits of insuring your Equator more than cancel out the cost, especially when you need to use it. But the average driver in Texas is wasting up to $855 a year so shop around every year to ensure rates are inline.

Get discounts on Lubbock insurance

Not many people think insurance is cheap, but there are discounts available to reduce the price significantly. A few discounts will automatically apply at the time of quoting, but a few need to be specifically requested in order for you to get them.

• Federal Employees – Federal government employees can earn a discount up to 10% with a few insurance companies.
• Renewal Discounts – Select larger companies give a discount for renewing your policy before your current coverage expires. It’s a savings of about 10%.
• Claim-Free Discount – Drivers who don’t have accidents have much lower rates in comparison with insureds who have frequent claims or accidents.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs with ABS braking systems or traction control can reduce accidents so companies give up to a 10% discount.
• Seat Belt Usage – Forcing all vehicle occupants to use their safety belts can save 10% or more on the premium charged for medical payments and/or PIP.
• Lubbock Homeowners Pay Less – Owning a home in Lubbock can earn you a little savings due to the fact that maintaining a home is proof that your finances are in order.
• Low Miles Discount – Driving less can earn cheaper rates.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, it’s just not the way it works. Any qualifying discounts should help lower your premiums.

The diagram below shows the difference between Suzuki Equator annual premium costs with and without discounts applied. The information is based on a female driver, no claims, a clean driving record, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, homeowner, marriage, safe-driver, and multi-policy discounts applied.

A few of the larger companies and their offered discounts include:

• Farm Bureau offers discounts including multi-vehicle, good student, 55 and retired, youthful driver, renewal discount, and multi-policy.
• State Farm may include discounts for anti-theft, accident-free, good driver, driver’s education, safe vehicle, and student away at school.
• Progressive may offer discounts for homeowner, online quote discount, multi-vehicle, online signing, and multi-policy.
• Allstate includes discounts for premier plus, passive restraint, new car, EZ pay plan discount, and eSmart discount.
• Nationwide policyholders can earn discounts including multi-policy, family plan, Farm Bureau membership, accident-free, and anti-theft.
• MetLife discounts include multi-policy, accident-free, good driver, claim-free, good student, defensive driver

Before purchasing a policy, check with all the companies which discounts you qualify for. Depending on the company, some discounts might not be available to policyholders everywhere. For a list of insurance companies who offer insurance discounts in Lubbock, click this link.

Local Lubbock insurance agencies

A small number of people just want to go talk to an agent and that is a smart decision Insurance agents are highly skilled in risk management and give you someone to call. One of the great benefits of price shopping on the web is you may find the lowest rates but also keep your business local. And providing support for neighborhood agents is definitely important in Lubbock.

For easy comparison, once you complete this form (opens in new window), your insurance coverage information is transmitted to local insurance agents who can give free rate quotes and help you find cheaper coverage. You never need to find an agent because quoted prices will be sent directly to you. In the event you want to get a comparison quote from a particular provider, you can always navigate to their website and submit a quote form there.

The following are agents in Lubbock who can help you get rate quotes for Suzuki Equator insurance in Lubbock.

View more agents

Finding the right insurance company needs to be determined by more than just the bottom line cost. Some important questions to ask are:

• How are they compensated?
• How often do they review policy coverages?
• Are there any extra charges for paying monthly?
• Will your rates increase after a single accident?
• Is coverage determined by price?
• Can you contact them at any time?
• Will their companies depreciate repairs to your car based on the mileage?
• Do they carry Errors and Omissions coverage?

Car insurance companies ranked

Buying coverage from the right insurance provider can be difficult considering how many different companies there are to choose from in Texas. The rank data below may help you pick which car insurance companies to look at when comparing rate quotes.

Top 10 Lubbock Car Insurance Companies Ranked by Customer Service

1. USAA
2. Travelers
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Safeco Insurance
7. Progressive
8. State Farm
9. The Hartford
10. The General

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

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

Insurance agents can help

When choosing coverage online or from an agent for your personal vehicles, there really is no “perfect” insurance plan. Each situation is unique so this has to be addressed.
These are some specific questions can help discover whether you would benefit from professional advice.

• Am I covered if I have no license?
• Is other people’s property covered if stolen from my vehicle?
• Should I drop comprehensive coverage on older vehicles?
• Is there coverage for injuries to my pets?
• When can my company non-renew my policy?
• Am I covered if hit by an uninsured driver?
• I have a DUI can I still get coverage?
• Am I missing any policy discounts?
• Am I covered if I back into my garage door?
• How can I get high-risk coverage after a DUI?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Specific coverages for a Suzuki Equator

Knowing the specifics of your car insurance policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverages found on the average car insurance policy.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like colliding with a tree, sideswiping another vehicle, crashing into a building, colliding with another moving vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also increase the deductible on your Equator in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as chiropractic care, funeral costs, dental work, EMT expenses and X-ray expenses. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many Texas drivers only carry the minimum required liability limits (30/60/25), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time the UM/UIM limits are set the same as your liability limits.

Auto liability

Liability insurance provides protection from damages or injuries you inflict on people or other property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 30/60/25 that translate to $30,000 in coverage for each person’s injuries, a total of $60,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things like loss of income, repair costs for stationary objects, funeral expenses and pain and suffering. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible. Texas requires drivers to carry at least 30/60/25 but you should think about purchasing more coverage.

The next chart demonstrates why buying minimum limits may not be enough.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix 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 coverage protects against claims such as damage from a tornado or hurricane, damage from getting keyed and falling objects. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Frequent quotes can save

While you’re price shopping online, you should never sacrifice coverage to reduce premiums. In many cases, an insured dropped full coverage only to find out that the small savings ended up costing them much more. Your objective should be to buy a smart amount of coverage for the lowest cost, not the least amount of coverage.

You just read many ideas to save on Suzuki Equator insurance in Lubbock. The key thing to remember is the more rate quotes you have, the better likelihood of getting affordable Lubbock car insurance quotes. Consumers could even find that the lowest prices come from a company that doesn’t do a lot of advertising. They often have lower rates on specific markets compared to the large companies like Progressive and GEICO.

Additional information can be read below:

• Should I Buy a New or Used Car? (Allstate)
• Uninsured Motorist Statistics (Insurance Information Institute)
• Smart Auto Insurance Tips (Insurance Information Institute)
• Red Light Cameras (State Farm)