A recent auto insurance study revealed that the vast majority of consumers kept their coverage with the same auto insurance company for four years or more, and just short of a majority have never shopped around. California consumers can save approximately $469 each year, but most just don’t grasp how much they could save if they switched to a cheaper policy.
The preferred way to find affordable Suzuki SX4 insurance in Irvine is to begin comparing prices regularly from insurers who sell insurance in California. Drivers can shop around by following these guidelines.
- Step 1: Try to comprehend what coverages are included in your policy and the modifications you can make to lower rates. Many factors that result in higher rates such as at-fault accidents, speeding tickets, and a low credit rating can be eliminated by making lifestyle changes or driving safer. Later in this article we will cover more details to help reduce prices and find overlooked discounts.
- Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from a single company like GEICO and State Farm, while independent agents can provide rate quotes for a wide range of companies.
- Step 3: Compare the new rate quotes to your existing coverage to see if a cheaper price is available. If you find a lower rate and make a switch, ensure coverage does not lapse between policies.
One key aspect when comparing rates is to compare identical coverages on every quote request and and to get rate quotes from as many auto insurance providers as possible. Doing this enables the most accurate price comparison and the best price quote selection.
Companies offer many types of discounts on Suzuki SX4 insurance in Irvine
Car insurance is expensive, but you can get discounts that you may not even be aware of. A few discounts will automatically apply when you complete an application, but a few must be asked for prior to receiving the credit. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.
- Discounts for Cautious Drivers – Drivers without accidents can pay as much as 50% less as compared to drivers with claims.
- Theft Deterrent – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen with less frequency and can earn a small discount on your policy.
- Online Discount – A handful of larger companies will give a small break for buying your policy on their website.
- ABS and Traction Control Discounts – Cars and trucks that have steering control and anti-lock brakes can stop better under adverse conditions and qualify for as much as a 10% discount.
- Organization Discounts – Belonging to a professional or civic organization could earn you a nice discount on car insurance.
- Discount for Life Insurance – Some insurance carriers give a discounted price on car insurance if you buy some life insurance in addition to your auto policy.
- Low Mileage Discounts – Keeping the miles down on your Suzuki may enable drivers to earn better car insurance rates on cars that stay parked.
- Irvine Homeowners Pay Less – Just owning your own home can save a few bucks because it shows financial diligence.
- Good Grades Discount – Excelling in school could provide a savings of up to 20% or more. Most companies allow this discount well after school through age 25.
- More Vehicles More Savings – Buying coverage for several vehicles with one company can get a discount for every vehicle.
Just know that many deductions do not apply to the overall cost of the policy. Some only apply to specific coverage prices like liability and collision coverage. If you do the math and it seems like you can get free auto insurance, nobody gets a free ride.
The chart below illustrates the difference between Suzuki SX4 insurance premiums with and without some available policy discounts. The price estimates are based on a male driver, a clean driving record, no claims, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, multi-car, claim-free, homeowner, and marriage discounts applied.
Auto insurance companies that may include some of the above discounts may include but are not limited to:
Double check with each company or agent to apply every possible discount. Some of the discounts discussed earlier may not be offered in Irvine. If you would like to view insurance companies with significant discounts in Irvine, click here to view.
When comparing insurance rates, know that comparing a wide range of rates helps locate more affordable insurance. Some smaller insurers do not give online price quotes, so it’s recommended that you also compare price estimates from them, too.
The companies in the list below offer free quotes in California. If your goal is to find cheap auto insurance in Irvine, CA, we recommend you get prices from several of them in order to get a fair rate comparison.
Suzuki SX4 insurance charts and tables
The coverage information displayed next outlines estimates of insurance policy prices for Suzuki SX4 models. Having knowledge of how car insurance premiums are established can assist in making smart choices when choosing a car insurance company.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|SX4 Sport S||$204||$418||$450||$26||$134||$1,232||$103|
|SX4 Sport SE||$204||$418||$450||$26||$134||$1,232||$103|
|SX4 Technology 2WD||$204||$354||$450||$26||$134||$1,168||$97|
|SX4 Sportback 2WD||$204||$354||$450||$26||$134||$1,168||$97|
|SX4 AWD AWD||$204||$354||$450||$26||$134||$1,168||$97|
|SX4 Sport GTS||$204||$418||$450||$26||$134||$1,232||$103|
|SX4 Technology AWD||$230||$354||$450||$26||$134||$1,194||$100|
|SX4 Touring AWD||$230||$354||$450||$26||$134||$1,194||$100|
|Get Your Own Custom Quote Go|
Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Rate information does not factor in vehicle garaging location which can alter premiums noticeably.
Responsible drivers pay cheaper insurance rates
The example below shows how violations and at-fault fender-benders can increase Suzuki SX4 insurance rates for each different age category. The costs are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.
Insurance premiums based on gender
The illustration below illustrates the comparison of Suzuki SX4 annual premium costs for male and female drivers. The rates are based on no claims or driving citations, full coverage, $100 deductibles, single status, and no additional discounts are factored in.
Suzuki SX4 liability rates compared to full coverage
The chart below shows the difference between Suzuki SX4 car insurance costs when comparing full coverage to liability only. The premiums are based on no claims or driving citations, $100 deductibles, drivers are single, and no other discounts are factored in.
When to stop paying for full coverage
There isn’t a steadfast formula that is best for determining when to drop full coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is more than around 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s say your Suzuki SX4 claim settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $4,000 after you pay the deductible. If you are paying more than $400 annually for your policy with full coverage, then you might want to consider buying only liability coverage.
There are some circumstances where removing full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.
Buying auto insurance from Irvine auto insurance agents
Certain consumers would prefer to talk to a local agent and that is OK! One of the benefits of price shopping on the web is you may find the lowest rates and still have an agent to talk to.
By using this form (opens in new window), your insurance coverage information is immediately sent to local insurance agents who will return price quotes for your insurance coverage. You don’t have to find an agent on your own because quoted prices will be sent immediately to you. You can get cheaper auto insurance rates AND an agent nearby. If you wish to quote rates from a specific insurance company, don’t hesitate to go to their quote page and give them your coverage information.
Picking an insurance company requires more thought than just the bottom line cost. These are some valid questions you should ask.
- Do you need full coverage on every vehicle?
- Are they giving you every discount you deserve?
- How long has their agency been open in Irvine?
- Do they get extra compensation for selling add-on coverages?
- How many companies do they write for?
If you need to find a good insurance agency, it can be helpful to understand the types of agencies from which to choose. Auto insurance policy providers can be classified as either exclusive or independent.
Exclusive Auto Insurance Agents
Exclusive agents can only place business with one company like Farmers Insurance, State Farm, or Allstate. Exclusive agencies are unable to give you multiple price quotes so they really need to provide good service. Exclusive agents are usually well trained on their company’s products which helps overcome the inability to quote other rates.
The following is a short list of exclusive insurance agencies in Irvine who can help you get price quotes.
Independent Auto Insurance Agencies
Agents in the independent channel often have affiliation with several companies so they can insure your vehicles through lots of different companies enabling the ability to shop coverage around. If premiums increase, your policy is moved internally and you won’t have to switch agencies.
If you need cheaper auto insurance rates, you should always contact several independent agencies to have the most options to choose from.
Listed below is a short list of independent insurance agents in Irvine who can help you get price quote information.
Sentry Insurance – Irvine
16815 Von Karman Ave #200 – Irvine, CA 92606 – (949) 930-6100 – View Map
Ryan Hoherd, AFLAC Insurance Agent: Orange County, Long Beach, Riverside County
2770 S Harbor Blvd – Santa Ana, CA 92704 – (562) 212-3290 – View Map
If you feel you receive satisfactory answers to any questions you may have as well as affordable Suzuki SX4 insurance rates in Irvine quotes, it’s possible that you found an insurance agency that meets the criteria to service your policy.
Parts of your insurance policy
Understanding the coverages of insurance can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages found on most insurance policies.
Liability coverages – Liability coverage will cover damages or injuries you inflict on other’s property or people. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 15/30/5 which means a limit of $15,000 per injured person, $30,000 for the entire accident, and property damage coverage for $5,000.
Liability can pay for claims like court costs, emergency aid, attorney fees and funeral expenses. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford. California requires minimum liability limits of 15/30/5 but drivers should carry more coverage.
The chart below demonstrates why the minimum limit may not be high enough to cover claims.
UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Suzuki SX4.
Due to the fact that many California drivers carry very low liability coverage limits (15/30/5 in California), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.
Collision coverage – Collision insurance will pay to fix damage to your SX4 caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like rolling your car, colliding with another moving vehicle, damaging your car on a curb, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible on your SX4 to save money on collision insurance.
Comprehensive auto coverage – Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against things like damage from a tornado or hurricane, a tree branch falling on your vehicle and falling objects. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like rehabilitation expenses, EMT expenses, prosthetic devices and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Cheap insurance rates are possible
We covered some good ideas how you can find cheap Suzuki SX4 insurance in Irvine. The most important thing to understand is the more companies you get premium rates for, the better your chances of lowering your premium rates. Consumers may even find the lowest priced insurance comes from a small local company. Smaller companies can often provide lower premium rates in certain areas compared to the large companies like State Farm, GEICO and Nationwide.
When trying to cut insurance costs, make sure you don’t buy less coverage just to save a little money. In many cases, an insured dropped collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal is to purchase a proper amount of coverage at an affordable rate, but do not skimp to save money.
Lower-priced insurance in Irvine is attainable from both online companies and also from your neighborhood Irvine agents, so you need to quote Irvine auto insurance with both in order to have the best chance of saving money. A few companies may not provide online quoting and most of the time these small insurance companies only sell through local independent agencies.
For more information, feel free to visit the articles below:
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Who Has the Cheapest Irvine Car Insurance Rates for Inexperienced Drivers? (FAQ)
- How Much are Irvine Car Insurance Quotes for a Toyota Tacoma? (FAQ)
- Who Has Affordable Car Insurance Rates for a Nissan Sentra in Irvine? (FAQ)
- Who Has Cheap Auto Insurance for a Ford Explorer in Irvine? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Hybrid Vehicles in Irvine? (FAQ)
- Who Has the Cheapest Irvine Car Insurance Rates for Police Officers? (FAQ)
- Determining Auto Insurance Rates (GEICO)
- Liability Insurance Coverage (Nationwide)
- Teen Driving and Texting (State Farm)
- How to shop for a safer car (Insurance Institute for Highway Safety)