Affordable Rate Quotes for Suzuki SX4 Insurance in Cincinnati

Really, the only way to find low-cost Suzuki SX4 insurance is to regularly compare prices from insurance carriers in Cincinnati. Drivers can shop around by following these guidelines.

Step 1: Try to understand policy coverages and the measures you can control to drop your rates. Many risk factors that result in higher rates like speeding and poor credit rating can be amended by paying attention to minor details. Keep reading for additional ideas to help find cheaper rates and get additional discounts that may have been overlooked.

Step 2: Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like GEICO or Allstate, while independent agents can provide prices for many different companies. View prices

Step 3: Compare the new rate quotes to your existing policy to determine if switching companies saves money. If you find a lower rate quote and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

The key thing to remember is that you’ll want to compare similar deductibles and liability limits on every quote and and to look at as many companies as possible. Doing this provides an accurate price comparison and a complete selection of prices.

It goes without saying that car insurance companies don’t want policyholders to shop around. Drivers who shop rates annually will probably move their business because they have good chances of finding a cheaper policy. Remarkably, a study showed that drivers who shopped around saved an average of $865 annually as compared to drivers who never compared other company’s rates.

If finding budget-friendly car insurance is your target objective, then having an understanding of the best ways to find and compare coverage rates can help you succeed in saving money.

If you currently have insurance, you stand a good chance to be able to shop for the lowest rates using the ideas you’re about to read. Comparing rates for the lowest cost protection in Cincinnati is not as confusing as people think. But Ohio vehicle owners need to learn the way insurance companies determine what you pay and take advantage of how the system works.

To find the best insurance rates, there are several ways to compare prices from many available insurance companies in Ohio. The simplest method to find affordable Suzuki SX4 insurance rates involves getting comparison quotes online.

When quoting insurance, remember that comparing a large number of companies provides better odds of finding the best price. Some companies don’t provide online rate quotes, so it’s necessary to compare rates from the smaller companies as well.

The providers in the list below have been selected to offer price quotes in Cincinnati, OH. To find cheap auto insurance in OH, we recommend you visit as many as you can to find the most competitive auto insurance rates.

Insurance rate breakdown

The data table shown below covers detailed analysis of coverage prices for Suzuki SX4 models. Learning more about how insurance policy rates are figured helps drivers make smart choices when purchasing an auto insurance policy.

Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Price information does not factor in specific garaging location which can alter auto insurance rates greatly.

How high should deductibles be?

One of the hardest decisions when shopping for auto insurance is at what level do you set your deductibles. The following insurance rates can help show the rate difference when you choose different physical damage coverage deductibles. The first set of rates uses a $250 physical damage deductible and the second set of rates uses a $500 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-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Estimates do not factor in specific location information which can increase or decrease prices greatly.

Based on the figures above, using a $250 deductible costs approximately $10 more each month or $120 a year than choosing the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average at least 25 months between claims, you would probably save some money if you choose a higher deductible.

One thing to be aware of is that raising deductibles to get cheaper rates means you pay more out-of-pocket when you have a physical damage claim. You must have enough savings in the event you have to pay more to get your vehicle repaired.

Do you need full coverage?

The diagram below compares Suzuki SX4 car insurance costs with liability coverage only compared to full coverage. The rates are based on no driving violations, no at-fault accidents, $100 deductibles, single marital status, and no additional discounts are factored in.

When to stop buying physical damage coverage

There isn’t a written rule for dropping full coverage, but there is a general guideline. If the yearly cost of full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your Suzuki SX4 replacement cost is $8,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $7,000 after paying the physical damage deductible. If you are currently paying more than $700 a year to have full coverage, then it might be time to buy liability only.

There are some conditions where dropping full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you are required to maintain full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not remove full coverage.

Auto insurance is not optional

Despite the high insurance cost for a Suzuki SX4 in Cincinnati, paying for auto insurance serves a purpose in several ways.

First, just about all states have mandatory insurance requirements which means you are required to carry specific limits of liability protection 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 you have a loan on your Suzuki SX4, more than likely the lender will have a requirement that you buy insurance to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the lender may insure your Suzuki at a significantly higher premium and force you to reimburse them for the much more expensive policy.

Third, insurance protects both your Suzuki and your personal assets. Insurance will pay for all forms of medical expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, also covers legal expenses if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, comprehensive and/or collision insurance will pay to have it repaired.

The benefits of carrying adequate insurance definitely exceed the price paid, especially if you ever need it. On average, a vehicle owner in Cincinnati is overpaying more than $865 each year so you should quote your policy with other companies each time the policy renews to make sure the price is not too high.

You Can Change Your Insurance Prices

Lots of factors are part of the calculation when pricing auto insurance. A few of the factors are predictable such as traffic violations, but other factors are more obscure such as whether you are married or your commute time. It’s important that you understand the different types of things that come into play when calculating your policy premiums. If you understand what impacts premium levels, this allows you to make educated decisions that could result in big savings.

The items below are most of the major factors used by your company to calculate your premiums.

Pay more out-of-pocket – Comp and collision deductibles are the amount of money you are willing to pay in the event of a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of some claims that would be covered are collision with another vehicle, damage caused by hail, and having a roll-over accident. The more expense you pay before a claim is paid (deductible), the less your car insurance will be.

Having a spouse can save you money – Getting married helps lower the price when shopping for car insurance. Having a spouse usually means you are more stable financially it has been statistically shown that drivers who are married file infrequent claims.

Better rates with anti-theft devices – Buying a car with advanced anti-theft systems can get you a discount on your car insurance. Systems that thwart thieves like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft.

Tickets can be expensive – Only having one speeding ticket may cause rates to rise substantially. Good drivers pay lower auto insurance prices compared to drivers with tickets. Drivers who have received multiple violations such as reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to keep their license.

The chart below shows how violations and fender-benders can impact Suzuki SX4 premium costs for each age group. The costs are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.

Prices are affected by your address – Having an address in less populated areas is a good thing when it comes to car insurance. People in densely populated areas tend to have much more traffic and higher rates of accident claims. Lower population means a lower chance of having an accident in addition to lower liability claims.

Bad credit hurts insurance premiums – A driver’s credit score is a big factor in determining what you pay. Drivers with excellent credit scores tend to file fewer claims and have better driving records than drivers who have lower credit scores. So if your credit rating can be improved, you may save money insuring your Suzuki SX4 by improving your credit score.

Remove unneeded extra policy coverages – There are a lot of extra coverages that you can buy but may not be useful. Coverage for things like rental car coverage, death and dismemberment, and motor club memberships may be costing you every month. These may sound like a good investment at first, but if you have no use for them eliminate the coverages to reduce your premium.

Slash your insurance rates with discounts

Companies that sell car insurance do not list all possible discounts in an easy-to-find place, so below is a list some of the more common in addition to some of the lesser obvious credits available to bring down your rates.

• Auto/Home Discount – If you combine your homeowners and auto policies and insure them with the same company you could get a discount of as much as 10 to 15 percent.
• Passenger Safety Discount – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of 20% or more.
• Pay Upfront and Save – By paying your entire bill at once instead of monthly or quarterly installments you may reduce your total bill.
• Low Miles Discount – Low mileage vehicles could earn substantially lower rates.
• College Student Discount – Kids who live away from home to go to college and leave their car at home could get you a discount.
• Accident-Free Discounts – Cincinnati drivers who stay claim-free have much lower rates in comparison with accident-prone drivers.
• Defensive Driver Discounts – Passing a driver safety course could earn you a small percentage discount if your company offers it.
• Discounts for Multiple Vehicles – Drivers who insure multiple cars with the same insurance company qualifies for this discount.
• Multi-line Discount – Some companies give a discounted premium rate on car insurance if you buy life insurance from them.

Drivers should understand that some of the credits will not apply to the entire cost. Most only reduce specific coverage prices like comp or med pay. So even though it sounds like all the discounts add up to a free policy, companies don’t profit that way.

The illustration below illustrates the difference between Suzuki SX4 insurance costs with and without discounts applied to the premium. The rates are based on a male driver, no claims or driving citations, Ohio state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, claim-free, safe-driver, homeowner, and multi-policy discounts applied.

A list of insurance companies and some of the premium reductions they offer are outlined below.

• State Farm may offer discounts for driver’s education, multiple policy, anti-theft, accident-free, Steer Clear safe driver discount, Drive Safe & Save, and passive restraint.
• Nationwide offers discounts including Farm Bureau membership, business or organization, easy pay, anti-theft, family plan, and multi-policy.
• GEICO may include discounts for emergency military deployment, daytime running lights, air bags, good student, and federal employee.
• AAA has discounts for multi-car, good driver, anti-theft, multi-policy, and pay-in-full.
• 21st Century offers premium reductions for good student, driver training, student driver, automatic seat belts, air bags, and 55 and older.
• The Hartford has savings for vehicle fuel type, bundle, air bag, driver training, and defensive driver.

If you need lower rates, check with each company or agent which discounts you qualify for. Some of the earlier mentioned discounts might not be offered on policies in your state.

Different people need different car insurance coverages

When choosing coverage online or from an agent for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different so your insurance should reflect that
Here are some questions about coverages that can aid in determining if you would benefit from professional advice.

• What if I total my Suzuki SX4 and owe more than it’s worth?
• Who is covered by my policy?
• Is my business laptop covered if it gets stolen from my vehicle?
• Should I put collision coverage on all my vehicles?
• Am I covered if I wreck a rental car?
• When should I buy a commercial auto policy?
• Should I buy additional glass protection?
• When should I remove comp and collision on my Suzuki SX4?
• If my pet gets injured in an accident are they covered?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Compare rates but work with a local neighborhood Cincinnati car insurance agent

Many drivers would rather get advice from a local agent and often times that is recommended A nice benefit of price shopping on the web is that you can find cheaper rates and still choose a local agent.

To help locate an agent, after submitting this simple form, your coverage information is sent to companies in Cincinnati who will give you quotes and help you find cheaper coverage. There is no need to do any legwork due to the fact that quote results will go to you directly. Get lower rates and work with a local agent. If for some reason you want to compare prices from one company in particular, just visit that company’s website and fill out their quote form.

Picking an insurer requires more thought than just a cheap price. The questions below may impact your decision as well.

• Does the company have a local claim office in Cincinnati?
• If they are an independent agency in Cincinnati, which companies do they recommend?
• How experienced are they in personal risk management?
• Do they offer accident forgiveness?
• Does their agency support local causes in Cincinnati?
• Will high miles depreciate repair valuations?

Two types of auto insurance agents

If you would like to find an insurance agent, there are two different types of agents and how they differ in how they quote coverages. Agents are classified as either exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agencies

Exclusive insurance agents generally can only insure with one company and examples are Farmers Insurance and State Farm. These agents are not able to provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agents are very knowledgeable in insurance sales which aids in selling service over price. A lot of people buy insurance from these agents primarily because of high brand loyalty instead of buying on price only.

Listed below are Cincinnati exclusive insurance agencies that are able to give price quote information.

• Rick Wertz – State Farm Insurance Agent
  7736 Beechmont Ave – Cincinnati, OH 45255 – (513) 231-0100 – View Map
• Harold Jones – State Farm Insurance Agent
  9816 Springfield Pike – Cincinnati, OH 45215 – (513) 771-6226 – View Map
• Mark Redmond – State Farm Insurance Agent
  7225 Colerain Ave Ste 202 – Cincinnati, OH 45239 – (513) 221-7836 – View Map

View more agents

Independent Agencies or Brokers

Agents in the independent channel are not restricted to one company so they can insure your vehicles through many different insurance companies enabling the ability to shop coverage around. If they quote lower rates, they simply switch companies in-house and you can keep the same agent.

When comparing insurance rates, you will want to include rate quotes from a couple of independent agencies to have the best price comparison. Many write coverage with small mutual carriers which can be an advantage.

Below is a list of independent insurance agencies in Cincinnati that can give you price quote information.

• Huesman Schmid Insurance Agency, Inc
  5670 Cheviot Rd – Cincinnati, OH 45247 – (513) 521-8590 – View Map
• Dwyer Insurance Agency
  3356 N Bend Rd – Cincinnati, OH 45239 – (513) 389-4100 – View Map
• Ohio Insurance Center
  7404 Hamilton Ave – Cincinnati, OH 45231 – (513) 522-6300 – View Map

View more agents

Do the work, save more money

Lower-priced insurance in Cincinnati can be found both online and from local agencies, and you need to comparison shop both to have the best selection. Some insurance companies do not offer the ability to get quotes online and these regional carriers prefer to sell through independent agencies.

We just covered quite a bit of information on how to save on Suzuki SX4 insurance in Cincinnati. The key thing to remember is the more times you quote, the better your comparison will be. You may even be surprised to find that the lowest premium rates come from the smaller companies. These companies can often insure niche markets at a lower cost than their larger competitors like Allstate and Progressive.

When searching for affordable Suzuki SX4 insurance quotes, it’s not a good idea to skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice comprehensive coverage or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase plenty of coverage at the best cost, but don’t skip important coverages to save money.

Much more information about insurance in Ohio can be read at the links below

• What if I Can’t Find Coverage? (Insurance Information Institute)
• Who Has Cheap Auto Insurance Rates for a Nissan Rogue in Cincinnati? (FAQ)
• Safety Tips for Teen Drivers (Insurance Information Institute)
• Things to Know Before you Cancel Insurance (Allstate)