Affordable Insurance for a Suzuki SX4 in Cleveland

How many times have you said it’s time to compare the cheapest Suzuki SX4 insurance in Cleveland? Scraping up a payment for high-priced Suzuki SX4 insurance in Cleveland can draw down your checking account, especially in this economy. Getting a rate comparison is free and is an excellent way to make sure you’re not throwing money away.

Astonishing but true according to a recent study, nearly 70% of customers kept their coverage with the same car insurance company for at least the last four years, and 38% of drivers have never taken the time to shop around. Ohio consumers could save an average of $730 each year, but they just assume it’s a time-consuming process to go online and compare rates.

How to save on Suzuki SX4 insurance in Cleveland

It takes a few minutes, but the best way to find discount auto insurance rates is to start comparing rates regularly from insurers in Cleveland. Rates can be compared by completing these steps.

First, try to understand how companies price auto insurance and the modifications you can make to lower rates. Many factors that cause rate increases such as accidents, traffic tickets, and poor credit can be rectified by making minor driving habit or lifestyle changes. Read the full article for more ideas to get better rates and find overlooked discounts.

Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from one company like GEICO or State Farm, while agents who are independent can quote rates for many different companies.

Third, compare the new rate quotes to your existing coverage to see if you can save by switching companies. If you find a lower rate quote and change companies, make sure coverage does not lapse between policies.

Fourth, provide adequate notice to your current company of your intent to cancel the current policy and submit payment along with a signed and completed policy application for your new policy. Make sure you put the certificate verifying proof of insurance in your glove compartment.

One bit of advice is that you’ll want to compare identical coverages on each price quote and and to get quotes from as many different insurance providers as possible. Doing this guarantees a fair price comparison and a better comparison of the market.

Lots of car insurance companies contend to insure your vehicles, and because of this it can be hard to compare auto insurance companies to discover the definitive lowest price on Suzuki SX4 insurance in Cleveland.

If you are paying for car insurance now, you stand a good chance to be able to reduce premiums using the ideas covered in this article. Finding the cheapest auto insurance coverage in Cleveland is actually quite simple. Although Ohio vehicle owners can benefit from knowing the methods companies use to determine how much to charge.

Discounts can help lower premiums on Suzuki SX4 insurance in Cleveland

Car insurance is not inexpensive, but there’s a good chance there are discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied when you purchase, but a few must be specifically requested prior to getting the savings.

• Low Mileage Discounts – Driving fewer miles may allow you to get lower car insurance rates on the low mileage vehicles.
• Multi-Vehicle Discounts – Buying insurance for multiple cars with the same car insurance company can get a discount for every vehicle.
• Theft Prevention Discount – Cars and trucks that have factory anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
• Full Payment Discount – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
• Memberships – Having an affiliation with qualifying employment or professional organizations can get you a small discount on car insurance.
• Own a Home and Save – Just being a homeowner can help you save on car insurance because owning a home is proof of financial responsibility.
• Government Employee Discount – Active or former government employment could cut as much as 10% off with select insurance companies.
• Anti-lock Brake System – Cars that have anti-lock braking systems are safer to drive so companies give up to a 10% discount.
• Buy New and Save – Putting car insurance coverage on a new SX4 can save you some money because new vehicles have to meet stringent safety requirements.

Policy discounts save money, but most of the big mark downs will not be given to the entire policy premium. Most cut the cost of specific coverages such as comprehensive or collision. Even though it may seem like you can get free auto insurance, nobody gets a free ride.

The diagram below illustrates the difference between Suzuki SX4 annual premium costs with and without discounts being applied to the rates. The premiums assume a female driver, no claims or driving citations, Ohio state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, claim-free, multi-car, multi-policy, and safe-driver discounts applied.

Large car insurance companies and some of their more popular discounts include:

• State Farm includes discounts for good student, Drive Safe & Save, good driver, accident-free, anti-theft, passive restraint, and driver’s education.
• GEICO policyholders can earn discounts including daytime running lights, seat belt use, multi-policy, defensive driver, driver training, and anti-lock brakes.
• Progressive may include discounts for multi-policy, homeowner, online quote discount, continuous coverage, good student, online signing, and multi-vehicle.
• 21st Century discounts include automatic seat belts, good student, 55 and older, early bird, defensive driver, and theft prevention.
• American Family may have discounts that include defensive driver, accident-free, good student, mySafetyValet, early bird, and Steer into Savings.
• The Hartford has savings for good student, air bag, anti-theft, vehicle fuel type, and driver training.
• AAA may offer discounts for anti-theft, multi-policy, good driver, pay-in-full, AAA membership discount, multi-car, and good student.

It’s a good idea to ask all companies you are considering how many discounts you can get. Discounts may not apply to policies in Cleveland. For a list of insurers that offer the discounts shown above in Ohio, click here.

Quote Cleveland Suzuki SX4 insurance online

When looking for the cheapest Suzuki SX4 rate quotes, there are a couple ways to compare rate quotes from different companies. The fastest way to compare Suzuki SX4 insurance prices consists of obtaining rate quotes online.

It’s so fast and easy to compare price quotes online that it makes it a waste of time to go to insurance agents’ offices. The fact that you can get quotes online eliminates the need for an insurance agent unless you prefer the professional guidance that only an agent can give. It is possible to obtain prices from the web but have a local agent actually write the policy. When comparing auto insurance rates, know that obtaining a wide range of quotes will enable you to find more affordable rates. Some smaller insurers do not give online price quotes, so you need to compare quotes from the smaller companies as well.

The companies shown below are ready to provide quotes in Cleveland, OH. If multiple companies are listed, we suggest you visit as many as you can in order to find the cheapest rates.

Suzuki SX4 insurance rate analysis

The coverage table below showcases a range of insurance coverage prices for Suzuki SX4 models. Learning a little about how policy premiums are established can assist in making smart choices when buying a policy.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rate information does not factor in the specific area where the vehicle is garaged which can impact coverage prices greatly.

Policy deductible comparison

When comparing auto insurance rates, the most common question is where should you set your physical damage deductibles. The comparison tables below can help you visualize how much more you’ll pay when you choose different deductibles. The first data set uses a $100 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Table data does not factor in your specific Cleveland location which can revise premiums considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs about $24 more each month or $288 every year than buying the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 38 months between claim filings, you would save more money by selecting a higher deductible.

One important note is that higher deductibles means you pay more out-of-pocket at claim time. That will force you to have enough money put aside in the event you have to pay more for the deductible.

Safe drivers Cleveland pay cheaper rates

The information below highlights how traffic violations and at-fault collisions can affect Suzuki SX4 premium costs for different insured age categories. The premiums assume a married female driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.

Auto insurance cost for men versus women in Cleveland

The example below illustrates the difference between Suzuki SX4 auto insurance rates for male and female drivers. The prices are based on no accidents, no driving violations, comp and collision included, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

Suzuki SX4 liability rates compared to full coverage

The example below shows the difference between Suzuki SX4 premium costs with and without physical damage coverage. The price estimates are based on no claims, a clean driving record, $250 deductibles, single marital status, and no discounts are factored in.

When to drop comprehensive and collision coverage

There is no specific rule of when to drop physical damage insurance, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

For example, let’s assume your Suzuki SX4 book value is $7,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, you would only receive $6,000 after paying your policy deductible. If premiums are more than $600 a year for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are some scenarios where dropping physical damage coverage is not recommended. If you still have a loan on your vehicle, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

When to get advice from a local insurance agent

Certain consumers prefer to have an agent’s advice and that is just fine! One of the benefits of price shopping on the web is that you can find cheap rate quotes and also buy local. Putting coverage with neighborhood agents is especially important in Cleveland.

Once you complete this short form, your information gets sent to local insurance agents in Cleveland that provide free Cleveland car insurance quotes to get your business. It simplifies rate comparisons since you won’t have to search for an agent since rate quotes are delivered to you. You’ll get the best rates and a licensed agent to talk to. If you have a need to compare rates from a specific car insurance provider, you would need to visit that company’s website and fill out their quote form.

Exclusive and independent Cleveland car insurance agents

If you want to buy car insurance from a local Cleveland insurance agent, you should know the different types of agents that you can select. Car insurance policy providers are categorized either independent or exclusive.

Independent Agencies or Brokers

Independent agencies are not restricted to one company so as a result can place your coverage through many companies and potentially find a lower price. If prices rise, the business is moved internally which makes it simple for you.

If you are comparing rate quotes, we recommend you compare quotes from a few independent agents to ensure the widest selection of prices.

Listed below is a list of independent insurance agents in Cleveland that may be able to provide comparison quotes.

More Cleveland agents

Exclusive Agencies

These agents can usually just insure with one company and examples are Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents are unable to compare other company’s rates so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are well trained on their company’s products and that allows them to sell at a higher price point.

Listed below are exclusive insurance agencies in Cleveland that can give you comparison quotes.

More Cleveland agents

Finding a good car insurance agent should depend on more than just the price. A good agent in Cleveland will have answers to these questions.

• Are they in the agency full-time?
• How long has their agency been open in Cleveland?
• Are all drivers listed on the coverage quote?
• Does the agency provide any after hours assistance?
• Can you get a list of referrals?

Car insurance is not optional but you don’t have to overpay

Despite the potentially high cost of Suzuki SX4 insurance, maintaining insurance may be required and benefits you in several ways.

First, almost all states have mandatory liability insurance requirements which means state laws require specific limits of liability coverage in order to license the vehicle. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your vehicle has a lienholder, most banks will require that you carry insurance to protect their interest in the vehicle. If you default on your policy, the lender may have to buy a policy to insure your Suzuki for a much higher rate and force you to reimburse them the higher price.

Third, car insurance preserves your Suzuki and your assets. It also can pay for medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.

The benefits of buying car insurance greatly outweigh the cost, particularly if you ever have a claim. But the average driver in Ohio overpays more than $850 per year so you should quote your policy with other companies each time the policy renews to be sure current rates are still competitive.

Insurance coverages 101

Understanding the coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many Ohio drivers have only the minimum liability required by law (25/50/25), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Liability coverages

This protects you from injuries or damage you cause to people or other property by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things such as bail bonds, loss of income, court costs and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible. Ohio requires drivers to carry at least 25/50/25 but it’s recommended drivers buy more coverage.

The next chart demonstrates why low liability limits may not provide you with enough coverage.

Comprehensive auto coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, damage from flooding, hail damage and theft. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto collision coverage

This pays for damage to your SX4 resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like rolling your car, crashing into a building, sustaining damage from a pot hole and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible on your SX4 to save money on collision insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for bills like pain medications, dental work and nursing services. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Ohio auto insurance company ratings

Finding a high-quality insurance company is hard considering how many different companies sell coverage in Ohio. The rank data in the lists below could help you choose which auto insurance companies you want to consider purchasing from.

Top 10 Cleveland Car Insurance Companies Overall

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. Safeco Insurance
8. State Farm
9. Travelers
10. American Family

Top 10 Cleveland Car Insurance Companies Ranked by Claims Service

1. Progressive
2. Travelers
3. Liberty Mutual
4. Nationwide
5. USAA
6. AAA Insurance
7. GEICO
8. Safeco Insurance
9. Mercury Insurance
10. Esurance

Find cheap rates by being thorough

We just covered some good ideas how you can find affordable Suzuki SX4 insurance in Cleveland. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers could even find that the best prices are with some of the lesser-known companies. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or GEICO.

When buying insurance coverage, never sacrifice coverage to reduce premiums. Too many times, an insured cut liability coverage limits and discovered at claim time that the few dollars in savings costed them thousands. Your objective should be to find the BEST coverage at a price you can afford but still have enough coverage for asset protection.

How to find low-cost rates for Suzuki SX4 insurance in Cleveland

The best way to find cheaper Suzuki SX4 insurance is to regularly compare price quotes from insurers that insure vehicles in Cleveland.

First, spend some time learning about coverages and the steps you can take to drop your rates. Many rating criteria that increase rates such as accidents, traffic violations, and a lousy credit rating can be remedied by making minor changes to your lifestyle.

Second, quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from a single company like GEICO or Farmers Insurance, while agents who are independent can provide price quotes for a wide range of companies.

Third, compare the new rates to your existing coverage and determine if cheaper SX4 coverage is available. If you find a better price and change companies, ensure coverage does not lapse between policies.

An important part of this process is to use the same level of coverage on every quote and and to analyze as many carriers as you can. This provides a fair rate comparison and the best price selection.

Other information

• Choosing a Car for Your Teen (State Farm)
• Who Has the Cheapest Cleveland Auto Insurance for Active Military? (FAQ)
• Who Has the Cheapest Car Insurance for High Mileage Drivers in Cleveland? (FAQ)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)