2011 Suzuki Equator Car Insurance Rates

Want cheaper insurance rates for your Suzuki Equator? If price shopping insurance quotes online is new to you, you can be bewildered of local and online companies selling insurance.

Shopping for the lowest cost insurance coverage can be fairly easy. Essentially anyone who carries insurance coverage will more than likely be able to find lower rates. But car owners do need to know the way companies sell online.

Slash your insurance rates with discounts

Some providers don’t list every discount they offer very well, so the list below contains some of the more common and the harder-to-find ways to save on insurance. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Defensive Driver Discount – Participating in a driver safety class is a good idea and can lower rates depending on where you live.
  • Claim Free – Insureds with no claims or accidents pay much less in comparison with bad drivers.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
  • Paperwork-free – A few larger online companies will give a small break for buying your policy on the web.
  • Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up may be able to save a few bucks off the medical payments premium.

Don’t be surprised that most of the big mark downs will not be given to all coverage premiums. Some only apply to individual premiums such as medical payments or collision. So when it seems like all those discounts means the company will pay you, nobody gets a free ride. Any amount of discount will positively reduce the amount you have to pay.

Companies and some of their more popular discounts are:

  • Esurance discounts include emergency road assistance, defensive driver, homeowner, anti-theft, renters, and DriveSense.
  • The Hartford offers discounts including bundle, driver training, anti-theft, good student, air bag, defensive driver, and vehicle fuel type.
  • AAA includes discounts for good driver, good student, AAA membership discount, education and occupation, anti-theft, and multi-car.
  • Geico may include discounts for air bags, driver training, emergency military deployment, good student, anti-lock brakes, defensive driver, and membership and employees.
  • State Farm offers discounts for good driver, Steer Clear safe driver discount, multiple policy, driver’s education, defensive driving training, and passive restraint.

Before purchasing a policy, check with every insurance company which credits you are entitled to. Some of the discounts discussed earlier might not be offered on policies in your area. If you would like to choose from a list of insurance companies with significant discounts, click here to view.

You are unique and your car insurance should be too

When choosing coverage, there really is not a best way to insure your cars. Every situation is different.

Here are some questions about coverages that might help in determining whether or not you might need an agent’s assistance.

  • Do I have newly-aquired coverage?
  • Do I pay less for low miles?
  • Does my policy cover my teen driver if they drive my company car?
  • Should I have a commercial auto policy?
  • Do I need to file an SR-22 for a DUI in my state?
  • How many claims can I have before being cancelled?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, complete this form.

Information about specific coverages

Having a good grasp of your policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as falling objects, theft, damage from flooding and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverage – Liability insurance will cover damage or injury you incur to a person or their property. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like pain and suffering, structural damage and loss of income. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Collision coverage – This pays for damage to your Equator resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as scraping a guard rail, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as surgery, pain medications and ambulance fees. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

More effort can pay off

People who switch companies do it for a variety of reasons including policy non-renewal, high rates after DUI convictions, not issuing a premium refund and even delays in paying claims. It doesn’t matter why you want to switch switching insurance companies can be less work than you think.

We covered a lot of tips how to get a better price on 2011 Suzuki Equator insurance. The key concept to understand is the more providers you compare, the higher the chance of saving money. You may even discover the biggest savings come from a small mutual company.

As you prepare to switch companies, make sure you don’t reduce needed coverages to save money. There are too many instances where drivers have reduced physical damage coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy a smart amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

Additional insurance information is available at the links below