Cheap Mesa Suzuki SX4 Insurance

Insurance for Suzuki SX4It’s hard to fathom, but over 70% of consumers kept their coverage with the same insurance company for at least the last four years, and approximately 38% of consumers have never compared rate quotes at all. Mesa drivers could cut their rates by about 50% a year by just shopping around, but they don’t invest the time required to compare rates and save money.

Truthfully, the best way to find low-cost car insurance rates is to make a habit of comparing prices annually from companies in Mesa.

Step 1: Try to learn a little about auto insurance and the steps you can take to lower rates. Many policy risk factors that result in higher rates such as traffic tickets, fender benders, and a not-so-good credit history can be remedied by making small lifestyle or driving habit changes.

Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like Progressive or State Farm, while agents who are independent can give you price quotes from multiple sources.

Step 3: Compare the new rate quotes to your existing rates to see if cheaper SX4 coverage is available. If you can save some money, make sure coverage is continuous and does not lapse.

Step 4: Give proper notification to your current agent or company of your intention to cancel the current policy. Submit a completed policy application and payment to the new company. As soon as coverage is bound, place the new proof of insurance paperwork in a readily accessible location in your vehicle.

One key aspect of rate comparisons is that you use identical coverage information on every quote request and and to get prices from as many companies as you can. This provides a fair price comparison and the best price selection.

All major auto insurance companies like Progressive, GEICO, Allstate and State Farm allow you to get price estimates direct online. Obtaining pricing for Suzuki SX4 insurance in Mesa is quite simple as you just enter your coverage information as detailed in the form. When complete, their system automatically orders credit information and your driving record and gives you a price quote based on the information you submitted.

This makes it easy to compare insurance prices and it is important to compare as many rates as possible if you want to get the most affordable premium on auto insurance.

If you want to compare pricing, consider comparing rates from the companies shown below. If you have a policy now, it’s recommended you type in your coverages exactly as shown on your declarations page. This ensures you’re receiving rate comparison quotes for similar insurance coverage.

The car insurance companies shown below are our best choices to provide price quotes in Arizona. To find cheaper auto insurance in Mesa, we recommend you visit two to three different companies in order to get a fair rate comparison.

Insurance in Arizona serves several purposes

Even though it’s not necessarily cheap to insure a Suzuki in Mesa, insuring your vehicle may not be optional for several reasons.

The benefits of having insurance definitely exceed the cost, especially if you ever need it. The average driver in America is overpaying more than $830 a year so we recommend shopping around at every policy renewal to be sure current rates are still competitive.

Analysis of coverages

The coverage information below showcases a range of insurance prices for Suzuki SX4 models. Understanding how insurance policy premiums are established helps drivers make informed decisions when shopping around for a new policy.

Suzuki SX4 Insurance Rates in Mesa, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SX4 LE $108 $240 $314 $18 $94 $774 $65
SX4 2WD $124 $198 $314 $18 $94 $748 $62
SX4 Sport S $124 $284 $314 $18 $94 $834 $70
SX4 Sport SE $124 $284 $314 $18 $94 $834 $70
SX4 Technology 2WD $124 $240 $314 $18 $94 $790 $66
SX4 Sportback 2WD $124 $240 $314 $18 $94 $790 $66
SX4 AWD AWD $124 $240 $314 $18 $94 $790 $66
SX4 Sport GTS $124 $284 $314 $18 $94 $834 $70
SX4 Technology AWD $138 $240 $314 $18 $94 $804 $67
SX4 Touring AWD $138 $240 $314 $18 $94 $804 $67
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Price estimates do not factor in Mesa location which can alter price quotes substantially.

How high should deductibles be?

One frequently asked question is how high or low should comp and collision deductibles be. The comparisons below help summarize the costs and benefits when you buy lower versus higher coverage deductibles. The first table uses a $100 deductible for physical damage and the second price table uses a $1,000 deductible.

Suzuki SX4 insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SX4 LE $224 $466 $300 $18 $90 $1,123 $94
SX4 2WD $258 $382 $300 $18 $90 $1,073 $89
SX4 Sport S $258 $548 $300 $18 $90 $1,239 $103
SX4 Sport SE $258 $548 $300 $18 $90 $1,239 $103
SX4 Technology 2WD $258 $466 $300 $18 $90 $1,157 $96
SX4 Sportback 2WD $258 $466 $300 $18 $90 $1,157 $96
SX4 AWD AWD $258 $466 $300 $18 $90 $1,157 $96
SX4 Sport GTS $258 $548 $300 $18 $90 $1,239 $103
SX4 Technology AWD $292 $466 $300 $18 $90 $1,191 $99
SX4 Touring AWD $292 $466 $300 $18 $90 $1,191 $99
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Suzuki SX4 insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SX4 LE $124 $246 $300 $18 $90 $778 $65
SX4 2WD $144 $202 $300 $18 $90 $754 $63
SX4 Sport S $144 $290 $300 $18 $90 $842 $70
SX4 Sport SE $144 $290 $300 $18 $90 $842 $70
SX4 Technology 2WD $144 $246 $300 $18 $90 $798 $67
SX4 Sportback 2WD $144 $246 $300 $18 $90 $798 $67
SX4 AWD AWD $144 $246 $300 $18 $90 $798 $67
SX4 Sport GTS $144 $290 $300 $18 $90 $842 $70
SX4 Technology AWD $162 $246 $300 $18 $90 $816 $68
SX4 Touring AWD $162 $246 $300 $18 $90 $816 $68
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Table data does not factor in vehicle location which can modify prices noticeably.

Based on this data, using a $100 deductible will cost you roughly $30 more each month or $360 for a full year than selecting the higher $1,000 deductible. Because you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 30 months between claim filings, you would probably be better off if you decide on a higher deductible.

The illustration below demonstrates how choosing different deductibles and can impact Suzuki SX4 insurance costs for different categories of driver ages. The data assumes a married male driver, full coverage, and no additional discounts are factored in.

Rate comparison of male drivers versus female drivers

The diagram below illustrates the comparison of Suzuki SX4 insurance costs for male and female drivers. The data is based on no violations or accidents, comp and collision included, $500 deductibles, marital status is single, and no policy discounts are applied.

Cost difference between full coverage and liability

The chart below visualizes the comparison of Suzuki SX4 annual premium costs when comparing full coverage to state minimum liability only. Data assumes no accidents or driving violations, $100 deductibles, single marital status, and no other discounts are factored in.

When to drop comp and collision

There is no exact formula to stop paying for full coverage, but there is a general school of thought. If the annual cost of coverage is more than around 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let’s pretend your Suzuki SX4 replacement cost is $3,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $2,000 after the policy deductible has been paid. If premium cost is more than $200 annually for your policy with full coverage, then it’s probably a good time to buy liability coverage only.

There are some conditions where removing full coverage is not a good idea. If you still have a lienholder on your title, you are required to maintain full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not opt for liability only.

Don’t overlook these Suzuki SX4 insurance discounts

Auto insurance companies don’t list every available discount in a way that’s easy to find, so the list below contains a few of the more well known and the more hidden credits available to bring down your rates.Insurance discounts

Don’t be surprised that most discount credits are not given to the entire cost. Some only apply to individual premiums such as comp or med pay. So when the math indicates adding up those discounts means a free policy, it’s just not the way it works.

The chart below compares Suzuki SX4 yearly insurance costs with and without discounts. The premium estimates are based on a female driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision 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, multi-policy, marriage, and safe-driver discounts applied.

Companies that have most of these discounts possibly include:

If you are trying to find affordable Suzuki SX4 insurance quotes, ask all the companies to apply every possible discount. Savings may not apply in your area. If you would like to see a list of insurers with significant discounts in Arizona, click here to view.

Don’t assume everyone needs the same insurance coverage

When choosing coverage online or from an agent for your personal vehicles, there really is not a “best” method to buy coverage. Every situation is different.Drive safe and save

These are some specific questions might help in determining if you might need an agent’s assistance.

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.