Save on Suzuki SX4 Insurance in Columbus

If you’re trying to find cheaper insurance online, are you confused by the dozens of insurance companies in your area? Vehicle owners have such a vast assortment of companies available that it can easily turn into a challenge to lower your insurance rates for Suzuki SX4 insurance in Columbus. If you live there, you know that Columbus is the perfect city to reside in, but paying high insurance rates can make it very difficult to affordably buy enough coverage.

Unbelievably, almost 70% of drivers have been with the same company for over three years, and 38% of drivers have never compared quotes from other companies. With the average insurance premium being $1,340, Ohio drivers can save up to 55% each year just by shopping around, but they don’t understand how simple it is to compare other rate quotes.

You should make it a habit to compare rates yearly because prices tend to go up over time. Just because you had the lowest rate on Suzuki SX4 insurance in Columbus six months ago you can probably find a better premium rate now. There is a lot of bad information regarding SX4 insurance online, but I’m going to show you some of the best ways to lower your insurance premiums.

If you have a policy now, you should be able to reduce the price you pay using the following tips. Our goal in writing this article let you in on the best methods to compare rates and some money-saving tips. But Ohio car owners benefit from understanding the way insurance companies calculate your car insurance rates because it can help you find the best coverage.

Rates and information analytics

The price information shown below covers detailed analysis of coverage costs for Suzuki SX4 models. Being aware of how prices are figured can benefit drivers when making smart choices when comparing insurance quotes.

Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Price information does not factor in the specific area where the vehicle is garaged which can impact premiums substantially.

Auto insurance deductibles

One common question asked by Columbus drivers is how high should the deductibles for physical damage be. The comparison tables below may help you to understand the difference in cost of buying low and high comp and collision deductibles. The first data set uses a $250 deductible for comp and collision and the second set of prices uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rate quotes do not factor in the specific area where the vehicle is garaged which can increase or decrease prices considerably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost in the ballpark of $10 more each month or $120 annually averaged for all SX4 models than selecting the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you go at least 25 months between claim filings, you would probably be better off if you choose a higher deductible. The illustration below shows how you can make your own decision.

One important note is that a higher deductible means you will have to pay more when you do file a claim. That will require enough money in the bank in the event you need to pay the higher deductible in order to repair your vehicle.

Discounts mean cheaper rates for Suzuki SX4 insurance in Columbus

Auto insurance companies don’t always list all available discounts in an easy-to-find place, so here is a list a few of the more common and also the more inconspicuous credits available to lower your premiums when you buy Columbus auto insurance online. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

• Discounts for Government Workers – Active or former government employment may reduce rates when you quote Columbus auto insurance depending on your car insurance provider.
• Early Payment Discounts – By paying your policy upfront rather than paying in monthly installments you may reduce your total bill.
• Life Insurance Discount – Insurance companies who offer life insurance give a discount if you purchase a life policy as well.
• Onboard Data Collection – Insureds that choose to allow companies to monitor driving habits through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction as long as the data is positive.
• Multiple Policy Discount – If you combine your auto and home policies with one insurance company you will save up to 20% off your total SX4 insurance premium.
• Homeowners Savings – Being a homeowner may trigger a policy discount on car insurance since owning and maintaining a home demonstrates responsibility.
• Cautious Driver Discounts – Safe drivers can save as much as half off their rates than less cautious drivers.
• Passive Restraint Discount – Factory options such as air bags or automatic seat belts could see savings of 20% or more.
• Driver Education Discount – Reduce the cost of insurance for teen drivers by having them successfully take a driver’s education course as it will make them better drivers and lower rates.

Don’t be surprised that most discount credits are not given to the whole policy. Some only reduce individual premiums such as collision or personal injury protection. Even though it may seem like you can get free auto insurance, companies don’t profit that way.

The illustration below compares Suzuki SX4 car insurance costs with and without discounts. The premiums are based on a male driver, no claims or driving citations, Ohio state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, marriage, multi-policy, homeowner, and multi-car discounts applied.

Companies and a summarized list of policyholder discounts can be read below.

• Progressive may include discounts for continuous coverage, online quote discount, online signing, homeowner, good student, multi-policy, and multi-vehicle.
• MetLife offers discounts including good driver, defensive driver, accident-free, claim-free, good student, and multi-policy.
• Mercury Insurance may have discounts that include ease of repair, location of vehicle, multi-car, age of vehicle, anti-theft, low natural disaster claims, and multi-policy.
• Nationwide offers premium reductions for anti-theft, family plan, business or organization, easy pay, and accident-free.
• GEICO offers discounts for multi-vehicle, air bags, defensive driver, emergency military deployment, anti-theft, membership and employees, and driver training.
• AAA has savings for multi-car, good driver, multi-policy, AAA membership discount, and good student.

When quoting, ask every prospective company which discounts can lower your rates. Some discounts might not be offered on policies in your state. If you would like to choose from a list of car insurance companies who offer discounts in Columbus, click here.

Car insurance coverages for a Suzuki SX4

Understanding the coverages of a car insurance policy helps when choosing the best coverages for your vehicles. Car insurance terms can be impossible to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Suzuki SX4.

Since a lot of drivers only purchase the least amount of liability that is required (Ohio limits are 25/50/25), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Liability insurance – This coverage provides protection from damage or injury you incur to people or other property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things like structural damage, repair costs for stationary objects and emergency aid. How much coverage you buy is your choice, but consider buying as much as you can afford. Ohio requires minimum liability limits of 25/50/25 but you should consider buying better liability coverage.

The next chart shows why the minimum limit may not provide you with enough coverage.

Collision coverage – Collision coverage covers damage to your SX4 from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a ditch, crashing into a building and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible on your SX4 in order to get cheaper collision rates.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like surgery, nursing services and EMT expenses. They can be used in conjunction with a health insurance program or if you do not have health coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Comprehensive coverage – This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, hitting a deer, damage from a tornado or hurricane, a broken windshield and damage from getting keyed. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Compare but don’t skimp

As you shop your coverage around, do not buy lower coverage limits just to save a few bucks. Too many times, an insured cut full coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your focus should be to get the best coverage possible for the lowest price, but do not sacrifice coverage to save money.

You just read many tips how you can compare Suzuki SX4 insurance rates in Columbus. The key concept to understand is the more providers you compare, the better your comparison will be. Drivers may even discover the lowest priced insurance comes from a smaller regional carrier.

Some insurance companies may not offer online rate quotes and many times these smaller companies provide coverage only through independent insurance agents. Cheap Suzuki SX4 insurance in Columbus can be bought both online and with local Columbus insurance agents, so you need to compare both to have the best chance of lowering rates.

How to save money on Suzuki SX4 insurance in Columbus

It takes a few minutes, but the best way to get the cheapest Suzuki SX4 insurance in Columbus is to do a yearly price comparison from insurance carriers who provide car insurance in Ohio. You can compare prices by following these guidelines.

1. Get a basic knowledge of coverages and the modifications you can make to keep rates in check. Many rating factors that cause high rates such as at-fault accidents, speeding tickets, and a poor credit rating can be improved by making minor changes to your lifestyle.
2. Request price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only provide price estimates from a single company like Progressive or Allstate, while agents who are independent can provide price quotes from multiple insurance companies.
3. Compare the new rate quotes to the premium of your current policy to see if a cheaper rate is available. If you find a lower rate quote and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
4. Provide proper notification to your current company of your intent to cancel your current auto insurance policy and submit any necessary down payment along with the completed application for the new coverage. Make sure you put the new certificate verifying proof of insurance in an accessible location in your vehicle.

A good piece of advice is to make sure you’re comparing identical coverage information on each price quote and and to get rate quotes from as many different companies as possible. This guarantees a fair rate comparison and a thorough selection of prices.

Much more information about insurance in Ohio can be read at these links:

• Reducing Your Risks in a Car Crash Video (iihs.org)
• Who Has Cheap Columbus Auto Insurance Quotes for a Toyota RAV4? (FAQ)
• Who Has Cheap Columbus Car Insurance Quotes for Safe Drivers? (FAQ)
• Who Has Cheap Auto Insurance Rates for Hybrid Vehicles in Columbus? (FAQ)
• What Insurance is Cheapest for a Ford Escape in Columbus? (FAQ)
• Who Has Affordable Columbus Auto Insurance for Drivers with Accidents? (FAQ)
• How Much are Auto Insurance Quotes for Teenage Males in Columbus? (FAQ)
• What Auto Insurance is Cheapest for Postal Workers in Columbus? (FAQ)
• How Much is Auto Insurance for a Ford F-150 in Columbus? (FAQ)
• Where can I buy Insurance? (Insurance Information Institute)
• Teen Driving Statistics (GEICO)
• Auto Insurance for Teen Drivers (Insurance Information Institute)