Inconceivable but true, a large majority of car insurance policyholders have been with the same company for well over three years, and 38% of customers have never compared rates from other carriers. Most drivers in Las Vegas could save almost 35% a year by just shopping around, but they don’t understand how simple it is to save money by comparing rate quotes.
It takes a few minutes, but the best way to save money on Suzuki SX4 insurance is to compare quotes annually from insurance carriers in Las Vegas. Prices can be compared by following these steps.
- Try to learn about car insurance and the modifications you can make to keep rates low. Many risk factors that increase rates such as speeding tickets, accidents and an imperfect credit history can be rectified by making lifestyle changes or driving safer. Keep reading for the details to find cheap rates and find discounts that may have been missed.
- Request price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like GEICO or Allstate, while independent agencies can give you price quotes for a wide range of insurance providers.
- Compare the new rate quotes to your existing coverage to see if you can save by switching companies. If you find a better price and buy the policy, make sure coverage does not lapse between policies.
- Notify your current company of your intent to cancel your current coverage. Submit the required down payment along with the signed application to your new carrier. When you receive it, place the new proof of insurance paperwork in your vehicle’s glove compartment or console.
A good tip to remember is that you’ll want to make sure you compare similar coverage information on every price quote and and to get rate quotes from all possible companies. This helps ensure a fair rate comparison and a thorough price selection.
If you have insurance now, you should be able to get lower rates using this strategy. Finding and comparing cheaper protection in Las Vegas is not as confusing as people think. Although Nevada car owners can benefit by having an understanding of the way companies charge you for coverage because it can help you find the best coverage.
These discounts can lower Suzuki SX4 insurance rates
Auto insurance can be pricey, but there could be available discounts that may help make it more affordable. Certain reductions will be credited at the time of purchase, but a few need to be specially asked for before they will apply.
- Data Collection Discounts – Policyholders that allow driving data collection to study their driving habits by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they are good drivers.
- Anti-theft System – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and earn discounts up to 10% off your Las Vegas car insurance quote.
- Memberships – Having an affiliation with certain professional organizations is a simple method to lower premiums on your bill.
- Drivers Education – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in high school.
- Accident Waiver – Not really a discount, but a handful of insurance companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims before the accident.
- Distant Student – Any of your kids who are attending college and don’t have a car may be able to be covered for less.
- Pay Early and Save – By paying your entire bill at once instead of paying each month you may reduce your total bill.
- Paperless Signup – A few insurance companies will give you a small discount for signing up on their website.
- Low Mileage Discounts – Low annual miles may allow you to get slightly better prices than normal.
- Braking Control Discount – Cars and trucks equipped with ABS or steering control have fewer accidents and earn discounts up to 10%.
One last thing about discounts, most credits do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as medical payments or collision. So when it seems like all the discounts add up to a free policy, it’s just not the way it works.
The information below illustrates the difference between Suzuki SX4 insurance costs with and without discounts applied. The premiums assume a female driver, no tickets, no at-fault accidents, Nevada state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-car, multi-policy, homeowner, and marriage discounts applied.
Car insurance companies that have most of these discounts include:
When getting a coverage quote, ask every insurance company to apply every possible discount. Some discounts listed above might not be offered in Las Vegas. To choose insurers who offer cheap Suzuki SX4 insurance quotes in Nevada, click this link.
The quickest method to compare policy rates for Suzuki SX4 insurance in Las Vegas is to understand all the major auto insurance companies will pay a fee to compare rate quotes. To begin a comparison, all you need to do is provide information including how much coverage you want, whether you are married, if you lease or own, and the type of vehicles you drive. That rating data gets sent immediately to insurance carriers in your area and they respond with quotes very quickly.
To check rates for your Suzuki SX4 now, click here and see if a lower rate is available in Las Vegas.
The providers in the list below are ready to provide free quotes in Nevada. To get cheap car insurance in Nevada, we recommend you visit two to three different companies to get the cheapest price.
Insurance coverage analysis
The price information shown below outlines estimates of insurance coverage prices for Suzuki SX4 models. Learning a little about how policy rates are calculated can help you make smart choices when purchasing an auto insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|SX4 Sport S||$166||$374||$348||$20||$104||$1,012||$84|
|SX4 Sport SE||$166||$374||$348||$20||$104||$1,012||$84|
|SX4 Technology 2WD||$166||$318||$348||$20||$104||$956||$80|
|SX4 Sportback 2WD||$166||$318||$348||$20||$104||$956||$80|
|SX4 AWD AWD||$166||$318||$348||$20||$104||$956||$80|
|SX4 Sport GTS||$166||$374||$348||$20||$104||$1,012||$84|
|SX4 Technology AWD||$188||$318||$348||$20||$104||$978||$82|
|SX4 Touring AWD||$188||$318||$348||$20||$104||$978||$82|
|Get Your Own Custom Quote Go|
Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can affect premiums greatly.
Do you need full coverage?
The information below shows the comparison of Suzuki SX4 yearly insurance costs with and without full coverage. The premiums are based on no violations or accidents, $1,000 deductibles, single status, and no discounts are applied to the premium.
When to drop comprehensive and collision coverage
There is no definitive rule of when to drop physical damage coverage on your policy, but there is a general convention. If the annual cost of having full coverage is 10% or more of replacement cost minus your deductible, then it may be the right time to buy liability only.
For example, let’s say your Suzuki SX4 claim settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $5,000 after the deductible is paid. If premiums are more than $500 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.
There are some conditions where buying only liability insurance is not financially feasible. If you still have a loan on your vehicle, you have to carry full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not remove full coverage.
Insurance Cost Influencing Factors
Many factors are used in the calculation when pricing auto insurance. Some of the criteria are obvious such as traffic violations, but other criteria are more obscure like your continuous coverage or your vehicle rating. Part of the car insurance buying process is learning some of the factors that help determine car insurance rates. If you understand what impacts premium levels, this enables you to make decisions that may result in lower car insurance prices.
Listed below are most of the major factors used by your company to calculate your prices.
Your job may affect rates – Jobs like lawyers, police officers, and miners generally have higher rates than the rest of us attributed to job stress and lengthy work days. On the other hand, professions such as actors, students and performers receive lower rates.
Lower coverage deductibles cost more – Coverage for physical damage, also known as collision and other-than-collision, covers damage that occurs to your Suzuki. Examples of covered claims would be a broken side mirror, hitting a deer, and having your car stolen. Comp and collision deductibles define how much you are required to spend out-of-pocket if a covered claim is submitted. The more you have to pay, the better rate you will receive.
Insurance costs are higher for high performance vehicles – The make and model of the vehicle you need insurance for makes a significant difference in your car insurance bill. The lowest base rates will normally be found when insuring lower cost passenger cars, but the cost you end up paying is determined by many additional factors.
The following chart assumes a married female driver age 30, full coverage with $500 deductibles, and no discounts or violations. The chart compares Suzuki SX4 insurance rates compared to other models that have different performance risks.
The more you drive the more you pay – The more miles you rack up on your Suzuki in a year the more it will cost to insure it. A lot of companies rate vehicles partially by how you use the vehicle. Autos that sit idle most of the time get more affordable rates than vehicles that are driven to work every day. Improper usage on your SX4 can cost quite a bit. It’s a smart idea to ensure your car insurance policy shows annual mileage.
Consolidate policies with the same company – Most car insurance companies provide discounts to buyers who carry more than one policy such as combining an auto and homeowners policy. Even if you qualify for this discount already, consumers should still comparison shop to verify if the discount is saving money.
Premiums increase with driving tickets – Drivers who don’t get tickets receive lower rates than their less careful counterparts. Only having one ticket can increase the cost of insurance substantially. Drivers unfortunate enough to have flagrant violations such as DUI or willful reckless driving are required to complete a SR-22 with their state in order to legally drive a vehicle.
The information below illustrates how speeding tickets and at-fault claims can impact Suzuki SX4 car insurance rates for each different age group. Data assumes a married male driver, comp and collision included, $100 deductibles, and no discounts are factored in.
Marriage is a bonus – Having a wife or husband can actually save you money compared to being single. Having a significant other means you’re more mature than a single person and insurance companies like that married drivers get in fewer accidents.
More traffic means higher claims – Residing in small towns and rural areas has it’s advantages when shopping for auto insurance. Fewer people means a lower chance of having an accident and lower theft and vandalism rates. People who live in big cities have traffic congestion and higher rates of accident claims. The longer drive time means a statistically higher chance of an accident.
Insurance is available from local agents
A lot of people just prefer to sit down with an agent and often times that is recommended The best thing about getting online price quotes is that you can find the best rates and still have a local agent.
For easy comparison, once you complete this simple form, the quote information is sent to agents in your area who will return price quotes to get your business. You don’t have to find an agent on your own as quotes are delivered to your email. It’s the lowest rates and a licensed agent to talk to. In the event you want to get a price quote for a specific company, feel free to go to their quote page and submit a quote form there.
Deciding on an insurance company needs to be determined by more than just the price. These are valid questions to ask:
- Is there any savings for paying the full premium?
- Which company do they place the most coverage with?
- Can you get a list of referrals?
- Do they see any coverage gaps in your plan?
- Does the agent help file claims?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Can you contact them at any time?
If you are wanting to purchase insurance from a reliable insurance agent, you should know the different agency structures and how they can service your needs differently. Insurance agencies in Las Vegas can be categorized as either independent agents or exclusive agents depending on their employer.
Exclusive Insurance Agents
Agents in the exclusive channel are contracted to one company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. They generally cannot compare other company’s rates so you need to shop around if the rates are high. They are usually quite knowledgeable on their company’s products which can be an advantage. Drivers often buy insurance from these agents mainly due to the brand rather than low rates.
Listed below are Las Vegas exclusive insurance agents who may provide you with rate quotes.
- Juan Diaz – State Farm Insurance Agent
1718 S Eastern Ave – Las Vegas, NV 89104 – (702) 489-4242 – View Map
- Kate Lowe – State Farm Insurance Agent
10198 W Flamingo Rd #130 – Las Vegas, NV 89147 – (702) 363-4500 – View Map
- Jeremy Walser – State Farm Insurance Agent
1725 S Rainbow Blvd #11 – Las Vegas, NV 89146 – (702) 367-1991 – View Map
Independent Agencies or Brokers
These type of agents often have affiliation with several companies and that enables them to quote your coverage with lots of companies and find the cheapest rate. If they quote lower rates, the business is moved internally which makes it simple for you.
If you need cheaper insurance rates, you will want to get several quotes from independent agents to maximize your price options. Most have the option of insuring with additional companies that you may not be familiar with that many times have cheaper rates.
Below are Las Vegas independent agents that can give you rate quotes.
- AmeriSent Insurance
6070 S Eastern Ave #400 – Las Vegas, NV 89119 – (702) 456-1400 – View Map
- Nationwide Insurance: Sage Insurance Services Inc Agency
1081 S Cimarron Rd, Ste B56 – Las Vegas, NV 89145 – (702) 613-0000 – View Map
- Las Vegas Auto Insurance
1953 N Decatur Blvd – Las Vegas, NV 89108 – (702) 570-5777 – View Map
Three good reasons to insure your Suzuki SX4
Even though it can be expensive, car insurance is required in Nevada but also provides important benefits.
First, almost all states have mandatory liability insurance requirements which means state laws require specific minimum amounts of liability protection if you want to drive legally. In Nevada 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 have a loan on your car, most lenders will make it a condition of the loan that you have insurance to ensure loan repayment if the vehicle is totaled. If the policy lapses, the lender will be forced to insure your Suzuki for a much higher rate and force you to reimburse them for the expensive policy.
Third, car insurance protects not only your Suzuki SX4 but also your financial assets. It will also cover most medical and hospital costs incurred in an accident. As part of your policy, liability insurance will also pay to defend you if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to repair the damage.
The benefits of buying enough insurance more than cancel out the cost, specifically if you ever have a liability claim. But the average driver in Nevada is overpaying over $800 each year so smart consumers compare quotes at least once a year to save money.
More effort can pay off
As you prepare to switch companies, you should never skimp on critical coverages to save a buck or two. There have been many cases where consumers will sacrifice full coverage only to regret they didn’t purchase enough coverage. Your strategy should be to buy a smart amount of coverage at the best price, but don’t skip important coverages to save money.
In this article, we presented many ideas to save on Suzuki SX4 insurance in Las Vegas. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest prices are with an unexpected company.
Insureds switch companies for many reasons like lack of trust in their agent, policy cancellation, an unsatisfactory settlement offer or even poor customer service. Regardless of your reason, finding the right car insurance provider is pretty easy and you might even save some money in the process.
More detailed car insurance information is available by following these links:
- Side Impact Crash Tests (iihs.org)
- Who Has the Cheapest Las Vegas Auto Insurance Rates for State Employees? (FAQ)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Older Drivers FAQ (iihs.org)
- Prom Night Tips for Teen Drivers (State Farm)