Car Insurance Quotes for a Suzuki SX4 in San Antonio

How long has it been since you sat down and looked for more affordable Suzuki SX4 insurance in San Antonio? Do you get overwhelmed by the crazy number of car insurance providers that you can choose from? Many other drivers are as well. People have so many choices that it can easily become a difficult challenge to find the lowest price for Suzuki SX4 insurance in San Antonio. Everyone knows that San Antonio is the perfect city to reside in, but finding the money to pay for car insurance can make it hard to buy proper levels of coverage.

It’s amazing but a large majority of consumers have been with the same company for a minimum of four years, and roughly 40% of drivers have never shopped around. Most drivers in the U.S. could save roughly 47% each year just by shopping around, but most undervalue how much savings they would realize if they bought a different policy.

Affordable Suzuki insurance price quotes in San Antonio

The companies shown below are our best choices to provide free quotes in Texas. If the list has multiple companies, it’s highly recommended you visit as many as you can in order to get a fair rate comparison.

Insurance coverage details

The premium table displayed below highlights different prices for Suzuki SX4 models. Having a good grasp of how rate quotes are formulated can benefit drivers when making informed decisions when shopping around for a new policy.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Rate information does not factor in zip code location which can affect premium rates noticeably.

Deductible comparison

The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The comparison tables below can help you visualize how much more rates are when you select higher and lower deductibles. The first set of rates uses a $250 deductible and the second rate table uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Premium costs do not factor in San Antonio location which can lower or raise rates substantially.

Based on the data above, we can derive that using a $250 deductible will cost you approximately $28 more each month or $336 a year averaged for all SX4 models than requesting the higher $1,000 deductible. Because you would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 27 months between claims, you would probably save some money if you decide on a higher deductible. Here is a better example of how this decision is made.

Full coverage rates vs. liability-only

The chart below illustrates the comparison of Suzuki SX4 annual premium costs when comparing full coverage to liability only. The prices are based on no claims or driving violations, $100 deductibles, drivers are single, and no other discounts are factored in.

When to drop comprehensive and collision coverage

There is no exact formula to delete physical damage coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let’s assume your Suzuki SX4 settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $7,000 after paying your policy deductible. If it’s costing in excess of $700 annually for full coverage, then it’s probably a good time to buy liability coverage only.

There are some situations where dropping physical damage coverage is not a good plan. If you haven’t paid off your loan, you have to maintain full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not eliminate full coverage.

Informed Drivers Can Lower Insurance Rates

Many different elements are used when pricing auto insurance. Some are obvious such as your driving record, although some other factors are less apparent like where you live or your vehicle rating.

• Does insurance coverage cost less for females? – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean females are better drivers. Males and females tend to get into accidents in similar numbers, but the males cause more damage. Not only that, but men also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly.

  The diagram below visualizes the comparison of Suzuki SX4 insurance rates for male and female drivers. The data assumes no driving violations, no at-fault accidents, full coverage, $100 deductibles, drivers are not married, and no discounts are applied to the premium.

• Safer the car lower the rate – Vehicles that have high safety ratings can get you lower premiums. Vehicles built for safety protect occupants better and lower injury rates means your insurance company pays less and thus lower rates. If your Suzuki SX4 has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
• Policy add-ons may be wasting money – There are quite a few extra bells and whistles that you can buy if you aren’t careful. Insurance for things like roadside assistance, better glass coverage, and additional equipment coverage are examples of these. They may seem good when deciding what coverages you need, but your money might be better spent on other coverage so eliminate them to save money.
• Your occupation and auto insurance rates – Occupations like military personnel, executives, and miners generally pay higher premiums than the average policyholder attributed to intense work situations and extremely grueling work hours. Conversely, occupations like actors, students and performers generally pay rates lower than average.
• Credit rating impacts premium prices – An insured’s credit rating is a large factor in calculating your premium rate. Therefore, if your credit score can use some improvement, you could save money insuring your Suzuki SX4 if you clean up your credit. Insureds that have high credit ratings tend to be better drivers and file fewer claims than drivers who have lower credit ratings.
• Reserve claims for larger damages – If you tend to file frequent claims, you can expect higher rates. Companies in Texas give better rates to drivers who do not rely on their insurance for small claims. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.

San Antonio auto insurance discounts

Insurance can cost an arm and a leg, but there are discounts available that can dramatically reduce your bill. Some discounts apply automatically when you get a quote, but less common discounts must be specially asked for before you get the savings. If you check and find you aren’t receiving every discount you qualify for, you could be paying more than you need to.

• College Student – Older children living away from San Antonio attending college and do not have access to a covered vehicle can be insured at a reduced rate.
• Multi-policy Discount – If you insure your home and vehicles with one company you may earn nearly 15% which can help you find the cheapest Suzuki SX4 insurance in San Antonio.
• Early Signing – A few larger companies offer discounts for buying a new policy before your current expiration date. It can save you around 10%.
• San Antonio Homeowners Pay Less – Just owning your own home may trigger a policy discount on auto insurance because maintaining a house requires personal responsibility.
• Fewer Miles Equal More Savings – Keeping the miles down on your Suzuki could be rewarded with lower premium rates on the low mileage vehicles.
• Onboard Data Collection – Policyholders that allow their auto insurance company to analyze when and where they use their vehicle by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if they show good driving skills.
• Discounts for Federal Employees – Active or former government employment can earn a discount up to 10% with certain companies.
• Defensive Driving Course – Taking part in a course in defensive driver could save 5% or more if your company offers it.
• Discounts for Safe Drivers – Safe drivers can pay as much as 50% less than less cautious drivers.

Discounts reduce rates, but you should keep in mind that most credits do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like medical payments or collision. Just because you may think all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

The diagram below illustrates the comparison of Suzuki SX4 premium costs with and without discounts. The information is based on a male driver, a clean driving record, no claims, Texas 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 multi-car, claim-free, marriage, safe-driver, homeowner, and multi-policy discounts applied.

The best auto insurance companies and a partial list of their discounts are included below.

• GEICO offers premium reductions for anti-lock brakes, military active duty, emergency military deployment, driver training, good student, federal employee, and multi-policy.
• Mercury Insurance discounts include type of vehicle, age of vehicle, accident-free, good driver, annual mileage, and good student.
• Farmers Insurance may offer discounts for mature driver, good student, multi-car, business and professional, distant student, switch companies, and bundle discounts.
• Auto-Owners Insurance offers discounts including safe driver, safe vehicle, anti-lock brakes, company car, air bags, paperless, and teen driver.
• Liberty Mutual may include discounts for newly married, exclusive group savings, multi-car, hybrid vehicle, new move discount, multi-policy, and preferred payment discount.
• SAFECO policyholders can earn discounts including bundle discounts, homeowner, multi-car, teen safety rewards, safe driver, and accident prevention training.
• Progressive may have discounts that include online signing, homeowner, continuous coverage, good student, multi-vehicle, multi-policy, and online quote discount.
• USAA has discounts for family discount, new vehicle, driver training, defensive driver, multi-policy, annual mileage, and military installation.

It’s a good idea to ask each company which discounts you may be entitled to. Discounts may not apply to policyholders in your state. To see providers who offer discounts in San Antonio, follow this link.

Independent and exclusive auto insurance agents

Certain consumers still like to buy from a local agent and often times that is recommended One of the best bonuses of price shopping on the web is you may find lower rates and still choose a local agent. And supporting local insurance agents is especially important in San Antonio.

To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is emailed to companies in San Antonio who will give competitive quotes and help you find cheaper coverage. You won’t need to contact any agents due to the fact that quote results will go to you. You can find the lowest rates and a licensed agent to talk to. If you have a need to quote rates for a specific company, feel free to visit that company’s website and fill out their quote form.

Picking the best provider requires more thought than just the bottom line cost. The answers to these questions are important, too.

• Will your rates increase after a single accident?
• Are there any extra charges for paying monthly?
• How many companies do they write for?
• Is vehicle mileage a factor when determining depreciation for repairs?
• Are they involved in claim handling?
• How much will you save each year by using a higher deductible?
• Which insurance company do they prefer to write with?
• Where are claims handled?

If you receive good responses to any questions you may have and a good coverage price, you’ve probably found an insurer that is a good match to provide car insurance coverage.

Keep this in mind when shopping around

Cheaper insurance in San Antonio can be bought online and with local San Antonio insurance agents, and you should be comparing both to have the best selection. Some companies do not provide internet price quotes and many times these smaller companies sell through independent agencies.

As you shop your coverage around, it’s not a good idea to buy less coverage just to save a little money. In too many instances, consumers will sacrifice uninsured motorist or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. The goal is to buy a smart amount of coverage at the best price while still protecting your assets.

Insureds who switch companies do it for many reasons like lack of trust in their agent, policy cancellation, high rates after DUI convictions and high prices. It doesn’t matter why you want to switch finding the right insurance provider can be less work than you think.

Additional insurance information is available on the following sites:

• What is Full Coverage? (Allstate)
• How Much are San Antonio Auto Insurance Quotes for Teachers? (FAQ)
• Who Has Cheap Car Insurance for Active Military in San Antonio? (FAQ)
• Who Has Cheap Auto Insurance Quotes for 19 Year Olds in San Antonio? (FAQ)
• Event Data Recorders FAQ (iihs.org)
• Booster Seat Ratings (iihs.org)
• Steps to Take After an Auto Accident (Insurance Information Institute)