Cheapest Insurance for a Suzuki Equator in Mesa

It’s an obvious assumption that insurance companies don’t want their policyholders to compare prices. Consumers who get price comparisons will, in all likelihood, move their business because they have a good chance of finding a cheaper policy. Remarkably, a study showed that drivers who routinely shopped around saved about $865 a year as compared to drivers who never shopped around.

If finding the best rates on car insurance in Mesa is your target objective, learning the best ways to shop for insurance rates can save time and make the process easier.

It takes a few minutes, but the best way to find affordable Suzuki Equator insurance is to compare quotes annually from insurers in Mesa. Rate comparisons can be done by following these steps.

First, read and learn about the coverage provided by your policy and the things you can change to prevent high rates. Many risk factors that are responsible for high rates like traffic citations and a not-so-good credit rating can be controlled by being financially responsible and driving safely. Read the full article for instructions to help keep prices low and get discounts that may be available to you.

Second, compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from one company like GEICO or Allstate, while independent agents can provide price quotes for a wide range of insurance providers.

Third, compare the new rate quotes to your existing policy to see if cheaper Equator coverage is available. If you find a lower rate and make a switch, make sure coverage is continuous and does not lapse.

Fourth, provide proper notification to your current company of your decision to cancel your current auto insurance policy and submit the application along with any required down payment to your new carrier. As soon as coverage is bound, safely store the proof of insurance certificate in a readily accessible location in your vehicle.

One bit of advice is to make sure you’re comparing the same amount of coverage on each price quote and and to get price quotes from as many different insurance providers as possible. This enables a level playing field and a better comparison of the market.

The companies in the list below can provide free quotes in Arizona. To find the cheapest car insurance in AZ, we recommend you click on several of them to get a more complete price comparison.

Rates and detailed analysis

The premium table below showcases different rate quotes for Suzuki Equator models. Having insight into how insurance prices are figured can help guide drivers when making smart choices when choosing a car insurance company.

Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Prices do not factor in your specific Mesa location which can influence premium rates significantly.

How high should deductibles be?

One frequently asked question is what deductibles to buy. The following tables may help you to understand the rate differences between low and high deductibles. The first data set uses a $100 deductible and the second price grid uses a $1,000 deductible.

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

Based on the data above, we can derive that using a $100 deductible costs an average of $31 more each month or $372 every year than quoting 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 usually have more than 29 months between claims, you would probably save some money if you choose the higher deductible.

The illustration below shows how choosing a deductible and can influence Suzuki Equator premium costs for different age groups. Data assumes a married female driver, full coverage, and no discounts are factored in.

Full coverage rates compared to liability-only

The information below visualizes the comparison of Suzuki Equator auto insurance costs with full physical damage coverage compared to only buying liability only. The information is based on no claims or driving citations, $1,000 deductibles, single marital status, and no discounts are applied to the premium.

Are you wasting money paying for full coverage?

There is no set rule that works best for making the decision to drop full coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.

For example, let’s say your Suzuki Equator settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $2,000 after you pay the deductible. If you are paying in excess of $200 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are some circumstances 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 in order to keep the loan. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Auto insurance protects more than just your car

Despite the fact that auto insurance is not cheap in Mesa, maintaining insurance serves a purpose in several ways.

First, most states have mandatory liability insurance requirements which means you are required to carry a specific minimum amount of liability insurance coverage in order to be legal. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you bought your Equator with a loan, it’s guaranteed your bank will require that you carry insurance to ensure loan repayment if the vehicle is totaled. If you let the policy lapse, the bank will be required to insure your Suzuki at a much higher rate and require you to fork over a much higher amount than you were paying before.

Third, auto insurance protects your vehicle and your assets. It will also pay for all forms of medical expenses for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, will also pay for a defense attorney if you are sued as the result of your driving. If your Suzuki gets damaged, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.

The benefits of insuring your Equator greatly outweigh the cost, particularly if you ever have a claim. According to a 2015 survey, the average American driver is wasting up to $865 each year so it’s very important to do a rate comparison at every policy renewal to ensure rates are competitive.

Four factors that influence insurance premiums

A large part of saving on insurance is knowing the different types of things that help calculate insurance rates. If you understand what determines premiums, this enables you to make decisions that may reward you with lower insurance prices.

The itemized list below are a few of the things used by companies to determine your rate level.

• Rates can be impacted by your vocation – Jobs like fire fighters, business owners, and miners generally pay higher average rates because of intense work-related stress and lengthy work days. On the flip side, jobs like scientists, athletes and homemakers pay the least.
• High credit saves on insurance – Credit score factor in determining what you pay. If your credit rating leaves room for improvement, you may save money insuring your Suzuki Equator if you clean up your credit. People that have very high credit ratings tend to be more responsible and file fewer claims as compared to drivers with poor credit.
• Lower annual miles equals lower premium – Driving more miles every year the higher your rates will be. A lot of insurance companies calculate rates determined by how the vehicle is used. Cars and trucks not used for work or commuting can get a lower rate than vehicles that are driven to work every day. Make sure your insurance policy properly reflects annual mileage. A policy that improperly rates your Equator may be wasting your money.

• Battle of the sexes – Statistics have proven that females take fewer risks when driving. It does not mean females are better at driving than males. Males and females are responsible for at-fault accidents in similar percentages, but guys cause more damage and cost insurance companies more money. In addition to higher claims, males also get more serious tickets like driving under the influence (DUI).

  The diagram below shows the comparison of Suzuki Equator insurance rates for male and female drivers. The data is based on no claims or driving violations, full coverage, $100 deductibles, drivers are not married, and no discounts are factored in.

Get cheaper rates with discounts

Car insurance companies don’t always list their entire list of discounts very well, so the list below details some of the best known in addition to some of the lesser obvious credits that may apply to you. If you don’t get every credit you deserve, it’s possible you qualify for a lower rate.

• Use Seat Belts – Drivers who always wear seat belts and also require passengers to use their safety belts can save up to 15% off the medical payments premium.
• Theft Deterrent System – Anti-theft and alarm system equipped vehicles prevent vehicle theft and will qualify for a discount on a Mesa auto insurance quote.
• Passive Restraints – Vehicles with factory air bags or motorized seat belts could see savings as much as 30%.
• Low Mileage Discounts – Low mileage vehicles can qualify you for better car insurance rates on cars that stay parked.
• Distant Student – College-age children who live away from home at college without a vehicle on campus may be able to be covered for less.
• No Claim Discounts – Insureds with no claims or accidents get the best car insurance rates in comparison to bad drivers.
• Telematics Data Discounts – Drivers who elect to allow their company to track vehicle usage by using a telematics device in their vehicle such as State Farm’s In-Drive may see discounts as long as the data is positive.
• Service Members Pay Less – Being deployed in the military could be rewarded with lower premium rates.

Policy discounts save money, but most credits do not apply to the whole policy. Some only apply to the cost of specific coverages such as medical payments or collision. If you do the math and it seems like you can get free auto insurance, company stockholders wouldn’t be very happy. Any qualifying discounts should help reduce your policy premiums.

The illustration below compares Suzuki Equator car insurance rates with and without discounts applied to the policy rates. The information is based on a male driver, no violations or accidents, Arizona 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-policy, marriage, claim-free, safe-driver, homeowner, and multi-car discounts applied.

To view companies with discount car insurance rates in Arizona, click here.

There’s no such thing as the perfect car insurance policy

When quoting and comparing adequate coverage for your personal vehicles, there isn’t really a one-size-fits-all type of policy. You are unique so your insurance needs to address that.
For instance, these questions can help discover if your insurance needs would benefit from professional advice.

• Does my insurance cover a custom paint job?
• Who sells insurance for high-risk drivers?
• Am I covered if I break a side mirror?
• Do all my vehicles need collision coverage?
• What is PIP insurance?
• What vehicles should carry emergency assistance coverage?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Shop online but buy locally

Many people just prefer to go talk to an agent and there is nothing wrong with that. Agents can answer important questions and help you file claims. The biggest benefit of comparing rates online is that you can find cheap auto insurance rates and still have an agent to talk to. And providing support for neighborhood agents is definitely important in Mesa.

To make it easy to find an agent, after completing this quick form, your insurance data is transmitted to local insurance agents in Mesa who will give competitive quotes and help you find cheaper coverage. It’s much easier because you don’t need to find an agent on your own because prices are sent directly to you. In the event you want to get a price quote for a specific company, you would need to visit that company’s website and fill out their quote form.

Selecting an insurer requires more thought than just a cheap quote. These are some valid questions you should ask.

• Can they help ensure a fair claim settlement?
• If your car is totaled, how to they determine the replacement cost?
• Is the agent and/or agency licensed to do business in Arizona?
• Will high miles depreciate repair valuations?
• Is vehicle damage repaired with OEM or aftermarket parts?
• Can they give you a list of client referrals?

Compare. Compare. Compare.

As you shop your coverage around, it’s very important that you do not reduce needed coverages to save money. In many instances, an insured dropped full coverage only to discover later they didn’t purchase enough coverage. Your goal is to purchase a proper amount of coverage at the best cost but still have enough coverage for asset protection.

We just presented many ways to get a better price on Suzuki Equator insurance in Mesa. The key thing to remember is the more price quotes you have, the better your chances of lowering your premium rates. You may even find the lowest auto insurance rates are with a lesser-known regional company. Regional companies may have significantly lower premium rates on certain market segments compared to the large companies like Allstate and Progressive.

Cheap Suzuki Equator insurance in Mesa can be purchased from both online companies and also from your neighborhood Mesa agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies may not have the ability to get a quote online and many times these regional insurance providers work with independent insurance agents.

To learn more, feel free to browse the articles below:

• State Laws for Cellphones and Texting (iihs.org)
• Who Has Affordable Mesa Auto Insurance Rates for Low Mileage Drivers? (FAQ)
• How Much is Auto Insurance for a Ford Fusion in Mesa? (FAQ)
• How Much are Auto Insurance Quotes for a Honda Civic in Mesa? (FAQ)
• How Much are Auto Insurance Rates for a Toyota RAV4 in Mesa? (FAQ)
• Who Has Cheap Auto Insurance Rates for Police Officers in Mesa? (FAQ)
• How Much is Mesa Car Insurance for Teenagers? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for a School Permit in Mesa? (FAQ)
• What is Gap Insurance? (Insurance Information Institute)
• Help Your Teen Be a Better Driver (State Farm)