Cheapest Insurance for a Suzuki SX4 in Austin

Are you researching cheaper auto insurance rates in Austin, TX? Austin consumers have lots of choices when looking for low-cost Suzuki SX4 insurance. You can either spend your time calling around getting price quotes or save time using the internet to make rate comparisons.

There is a right way and a wrong way to shop for auto insurance so you’re going to learn the proper way to price shop coverage for a new or used Suzuki and locate the lowest possible price.

Consumers need to check auto insurance prices at least once a year because prices change frequently. Even if you think you had the lowest price on Suzuki SX4 insurance in Austin on your last policy you will most likely find a better rate today. Forget anything you know (or think you know) about auto insurance because you’re about to find out one of the quickest ways to get good coverage on Suzuki SX4 insurance in Austin at a lower rate.

Companies offering Suzuki SX4 insurance in Austin

The car insurance companies shown below offer free rate quotes in Austin, TX. If multiple companies are shown, we suggest you compare several of them to get a more complete price comparison.

Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Premium amounts do not factor in vehicle location which can raise or lower price quotes substantially.

Impact of careless driving on Austin auto insurance rates

The diagram below shows how speeding tickets and accident claims can increase Suzuki SX4 car insurance costs for different insured age categories. The premium estimates are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.

Higher deductibles lower rates

When comparing auto insurance rates, the most common question is which deductible level should you buy. The tables below may help to illustrate how much more rates are when you choose different insurance deductibles. The first set of prices uses a $250 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Prices do not factor in specific location information which can raise or lower prices noticeably.

Based on the figures above, using a $250 deductible will cost in the ballpark of $28 more each month or $336 each year than opting for the higher $1,000 deductible. Because you would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 27 months between claim filings, you would probably come out ahead by selecting a higher deductible.

Cost of full coverage in Austin

The chart below shows the comparison of Suzuki SX4 car insurance costs with and without full coverage. The premium estimates are based on no claims or driving violations, $250 deductibles, single female driver, and no policy discounts are applied.

Deciding between full coverage and liability only

There is no definitive rule to stop buying comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.

For example, let’s pretend your Suzuki SX4 settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $5,000 after the deductible is paid. If it’s costing in excess of $500 annually for full coverage, then you may need to consider dropping full coverage.

There are some conditions where removing full coverage is not a good plan. If you haven’t satisfied your loan, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.

Decisions You Make Can Impact Your Insurance Costs

Many different elements are part of the equation when pricing auto insurance. Some of the criteria are obvious like your driving record, but some are more transparent such as your marital status or your commute time.

The factors shown below are a partial list of the pieces insurance companies consider when setting your rates.

• More traffic means higher claims – Residing in areas with lower population has definite advantages when shopping for auto insurance. Fewer drivers means fewer accidents and a lower car theft rate. Urban drivers have to deal with more aggressive driving styles and a longer drive to work. More time on the road statistically corresponds to a higher accident and claim rate.
• Commute or pleasure use – Driving more miles in a year the more you’ll pay to insure it. A lot of companies calculate rates based on their usage. Cars and trucks used primarily for pleasure use receive lower rates compared to those used for work or business. It’s a smart idea to ensure your policy is rated on the proper vehicle usage. Incorrect rating for your SX4 can cost quite a bit.
• Amount of liability coverage – The liability coverage on your policy will provide protection in the event that a court rules you are at fault for physical damage or personal injury to other. It will provide legal defense coverage to attempt to prove you were not liable. Liability insurance is quite affordable compared to physical damage coverage, so do not skimp.
• Never let your insurance policy expire – Driving any period of time without insurance can get your license suspended and you will pay a penalty because you let your insurance coverage expire. In addition to paying higher rates, not being able to provide proof of insurance may earn you a license revocation or jail time.
• More stress means more cost – Careers like doctors, business owners and financial analysts usually pay the highest rates in part from intense work-related stress and long work hours. On the flip side, careers such as scientists, students and retirees have lower than average premiums.
• Raise deductibles and save – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your vehicle. Examples of covered claims would be a broken windshield, damage from fire, and damage from a fallen tree branch. Comprehensive and collision coverage deductibles tell how much you are willing to pay out-of-pocket before a claim is paid by your company. The larger the amount you choose to pay out-of-pocket, the bigger discount you will receive.
• Credit history impacts premium prices – Having a good credit rating can be a huge factor in calculating your premium rate. Insureds with good credit tend to be less risk to insure as compared to drivers with bad credit. So if your credit can use some improvement, you may save money insuring your Suzuki SX4 by improving your credit score.

Take policy discounts and save on Suzuki SX4 insurance in Austin

Car insurance companies do not list every discount available in a way that’s easy to find, so the below list has a few of the more well known as well as the least known credits available to you.

• Military Discounts – Having a family member in the military may lower your premium rates slightly.
• First Accident Forgiveness – Not really a discount, but companies like Liberty Mutual, Allstate and State Farm will turn a blind eye to one accident before your rates go up as long as you don’t have any claims for a certain period of time.
• Anti-lock Brake System – Vehicles that have anti-lock braking systems are much safer to drive so companies give up to a 10% discount.
• Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts as much as 30%.
• Save over 55 – If you’re over the age of 55, you may receive a discount up to 10%.
• Fewer Miles Equal More Savings – Keeping the miles down on your Suzuki could be rewarded with better rates on cars that stay parked.
• Driver Education Discount – It’s a good idea to have your young drivers enroll in driver’s education in school.
• E-sign Discounts – Certain larger companies provide a small discount just for signing your application online.

Consumers should know that some of the credits will not apply to all coverage premiums. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears you could get a free auto insurance policy, you aren’t that lucky.

Some of the larger companies that may have these benefits include:

• State Farm
• Esurance
• Progressive
• Liberty Mutual
• Auto-Owners Insurance
• GEICO

Before buying, ask each company which discounts they offer. All car insurance discounts might not be offered on policies in your state. For a list of insurers who offer auto insurance discounts in Texas, click here.

Buying from car insurance agents

Some consumers just want to visit with an insurance agent and that is just fine! Good insurance agents can point out coverage gaps and will help you if you have claims. One of the benefits of comparing rates online is the fact that drivers can get lower premium rates and also buy local. Buying from small agencies is still important in Austin.

After filling out this short form, the coverage information is immediately sent to local insurance agents in Austin that can give you free Austin auto insurance quotes for your business. You never need to contact any agents because quoted prices will be sent instantly to you. If you want to quote rates from a particular provider, you just need to jump over to their website and fill out their quote form.

Car insurance agents in Austin come in two varieties

If you want a local Austin insurance agent, there are a couple of types of agencies and how they can quote your rates. Agents in Austin are categorized either independent agents or exclusive agents depending on their employer. Either type can handle insurance, but it’s important to point out how they are different because it can factor into the selection process.

Independent Insurance Agencies or Brokers

Independent agencies do not work for one specific company and that enables them to quote your coverage with any number of different companies and find the cheapest rate. If your premiums go up, they can switch companies in-house which is easy for the insured. When comparing rates, you need to check rates from several independent agencies to ensure the widest selection of prices. Most have the option of insuring with different regional companies which can be an advantage.

Below is a short list of independent insurance agents in Austin that may be able to give you rate quotes.

• Independent Insurance Agents
  1115 San Jacinto Blvd – Austin, TX 78701 – (512) 476-6281 – View Map
• Stuart Butts Agency Nationwide – Lezam insurance
  700 Rio Grande St c – Austin, TX 78701 – (512) 837-5000 – View Map
• E-Z Insurance – South
  4011 S 1st St – Austin, TX 78745 – (512) 443-9700 – View Map

More insurance agents

Exclusive Insurance Agencies

Exclusive agents can only write with one company and examples are Allstate, AAA, Farmers Insurance, and State Farm. They generally cannot place coverage with different providers so keep that in mind. These agents are highly trained on their company’s products which aids in selling service over price. Some consumers prefer to choose to use an exclusive agent mostly because of the brand name and the convenience of having all coverages with one company.

The following is a list of exclusive agents in Austin who can help you get rate quotes.

• Brandy Whiteside – State Farm Insurance Agent
  3601 W William Cannon Dr #100 – Austin, TX 78749 – (512) 892-5542 – View Map
• David Simmons – State Farm Insurance Agent
  1910 W Braker Ln #400 – Austin, TX 78758 – (512) 837-8825 – View Map
• Gary Shanahan – State Farm Insurance Agent
  5145 N FM 620 b170 – Austin, TX 78732 – (512) 458-2593 – View Map

More insurance agents

Picking an car insurance agent requires you to look at more than just a cheap price quote. A good agent in Austin will have answers to these questions.

• What kind of financial rating does the company have?
• Are they actively involved in the community?
• Can they provide you with a list of referrals?
• Has the agent ever had any license suspensions?
• Does the agency have a positive business rating?
• Do they carry Errors and Omissions coverage?
• Will they make sure you get an adequate claim settlement?
• Will a damage claim use OEM or aftermarket replacement parts?

Your auto insurance coverage should be tailored to you

When quoting and comparing proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Your financial needs are unique and your auto insurance should be unique as well.
For instance, these questions can aid in determining whether your personal situation might need an agent’s assistance.

• If my car is totalled with they pay enough to replace it?
• Why do I only qualify for high-risk insurance?
• Do I have coverage if my license is suspended?
• Should I get collision insurance on every vehicle?
• What exactly is covered by my policy?
• How can I find cheaper teen driver insurance?
• Does having multiple vehicles earn me a discount?
• Can I get by with minimal medical coverage if I have good health insurance?
• Are there companies who specialize in insuring high-risk drivers?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Cheap coverage is out there

In this article, we covered many tips how you can compare Suzuki SX4 insurance premium rates in Austin. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding affordable Austin auto insurance quotes. Consumers may even find the best price on car insurance is with an unexpected company. Some small companies often have lower prices on specific markets as compared to the big name companies such as Allstate, GEICO and Progressive.

Budget-conscious Suzuki SX4 insurance is available online as well as from insurance agents, and you need to price shop both to have the best chance of lowering rates. A few companies may not provide online quoting and most of the time these regional carriers work with independent agencies.

Even more information can be found in these articles:

• Neck Injury FAQ (iihs.org)
• Who Has Cheap Austin Auto Insurance Quotes for a Nissan Sentra? (FAQ)
• Who Has Cheap Car Insurance for a GMC Acadia in Austin? (FAQ)
• Information for Teen Drivers (GEICO)
• Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
• Choosing an Insurance Company (Insurance Information Institute)