2009 Suzuki Equator Insurance Quotes – 9 Savings Tips

Looking for the cheapest auto insurance rates for your Suzuki Equator? Are you sick and tired of sacrificing other expenses to make your auto insurance payment? You are no different than the majority of other people. Numerous auto insurance companies battle for your business, and it can be difficult to compare rates and get the best coverage at the best price available.

If you are insured now or are shopping for new coverage, you can learn to find better prices while maintaining coverages. Choosing the best insurance company for you is not that difficult. Drivers just need to know how to compare prices online.

Discounts can really help lower rates

Insurance can cost an arm and a leg, but you may qualify for discounts that could help you make your next renewal payment. Some trigger automatically when you complete an application, but some must be inquired about prior to getting the savings.

  • Anti-theft System – Cars with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • No Accidents – Claim-free drivers pay less as opposed to frequent claim filers.
  • Early Switch Discount – A few insurance companies give discounts for switching to them before your current policy expires. The savings is around 10%.
  • Accident Forgiveness – This one is not really a discount per se, but some insurance companies will turn a blind eye to one accident without raising rates so long as you haven’t had any claims prior to the accident.
  • Federal Government Employee – Federal government employees may qualify for a discount when you quote auto insurance on Equator insurance with select insurance companies.
  • Mature Driver Discount – Older drivers can possibly qualify for reduced rates on Equator insurance.
  • Multiple Policy Discount – If you combine your auto and home policies and insure them with the same company you could earn a discount of as much as 10 to 15 percent.
  • Active Service Discounts – Being on active duty in the military may qualify for rate reductions.
  • Low Miles Discount – Fewer annual miles on your Suzuki may allow you to get discounted prices on garaged vehicles.

Policy discounts save money, but most credits do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like it’s possible to get free car insurance, it’s just not the way it works.

A few popular companies and some of the discounts are detailed below.

  • Farm Bureau discounts include good student, youthful driver, 55 and retired, safe driver, multi-policy, and driver training.
  • Liberty Mutual policyholders can earn discounts including new vehicle discount, exclusive group savings, new move discount, hybrid vehicle, good student, and newly retired.
  • State Farm offers discounts for safe vehicle, student away at school, accident-free, multiple autos, Drive Safe & Save, and good student.
  • Auto-Owners Insurance offers discounts including paperless, group or association, anti-theft, multi-policy, air bags, paid in full, and safe vehicle.
  • Geico has savings for federal employee, membership and employees, multi-vehicle, five-year accident-free, seat belt use, driver training, and emergency military deployment.
  • SAFECO has discounts for homeowner, safe driver, accident prevention training, multi-car, anti-theft, bundle discounts, and teen safe driver.

If you are trying to find cheap auto insurance quotes, ask each insurance company the best way to save money. Some discounts may not apply to policyholders in your state. To view providers who offer free insurance quotes, click here to view.

Will just any policy work for me?

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is a little different and your policy should reflect that. For example, these questions can help discover if you might need professional guidance.

  • Does my medical payments coverage pay my health insurance deductible?
  • Is a blown tire covered by insurance?
  • Am I covered when driving in Canada or Mexico?
  • Do I pay less if my vehicle is kept in my garage?
  • Do I need roadside assistance coverage?
  • What if I don’t agree with a claim settlement offer?
  • Can I afford to buy a different vehicle if my 2009 Suzuki Equator is totaled?
  • I have a DUI can I still get coverage?
  • Why do I only qualify for high-risk insurance?
  • Does my 2009 Suzuki Equator qualify for pleasure use?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area. It is quick, free and may give you better protection.

Brand name doesn’t guarantee savings

Consumers can’t escape the ads that claim the cheapest premium rates by Allstate, Geico and Progressive. All the ads say the same thing about savings after switching your policy.

How does every insurance coverage company make almost identical claims? It’s all in the wording.

All companies are able to cherry pick for the type of customer that is profitable for them. One example of a driver they prefer could be over the age of 50, has never had a policy lapse, and drives newer vehicles. A customer who matches that profile will get low prices and will most likely cut their rates substantially.

Potential insureds who are not a match for this stringent profile may be required to pay higher premium rates and business not being written. If you listen to the ad wording, they say “customers who switch” not “everybody who quotes” save that much money. That’s the way companies can claim big savings. Because of these techniques, you really should compare price quotes frequently. You cannot predict with any certainty which company will have better car insurance rates than you’re paying now.

Car insurance coverage options for a 2009 Suzuki Equator

Knowing the specifics of a car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages available from car insurance companies.

Collision protection

Collision insurance covers damage to your Equator resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like hitting a parking meter, crashing into a ditch and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, theft, damage from a tornado or hurricane, a broken windshield and damage from getting keyed. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for liability

This will cover injuries or damage you cause to people or other property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like medical expenses, repair costs for stationary objects, court costs and emergency aid. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for bills for things like hospital visits, ambulance fees, chiropractic care and EMT expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

More effort can pay off

We just covered a lot of techniques to compare 2009 Suzuki Equator insurance auto insurance rates online. It’s most important to understand that the more rate quotes you have, the better likelihood of getting inexpensive auto insurance. Consumers could even find that the best auto insurance rates are with the least-expected company. Regional companies may have significantly lower premium rates on certain market segments as compared to the big name companies such as State Farm or Progressive.

Some companies do not provide the ability to get a quote online and usually these small, regional companies only sell coverage through independent agencies. Cheaper 2009 Suzuki Equator insurance can be bought online in addition to many insurance agents, so you need to compare both so you have a total pricing picture.

Much more information about car insurance is available on the following sites: