Nobody that owns a car looks forward to paying for car insurance, particularly when they could find better prices if they shop around.
A recent car insurance study revealed that a large majority of drivers renewed their policy with the same company for at least four years, and virtually 40% of consumers have never compared rate quotes at all. Michigan insurance shoppers can cut their rates by roughly $3,836 a year by just shopping around, but they don’t believe the amount of savings they would get if they switched.
How to find low-cost rates for Suzuki SX4 insurance in Detroit
The most effective way to get cheaper Suzuki SX4 insurance is to compare prices regularly from insurers in Detroit. Rate comparisons can be done by completing these steps.
- Gain an understanding of car insurance and the things you can change to prevent high rates. Many rating factors that result in higher prices like accidents, traffic violations, and a substandard credit score can be remedied by making minor driving habit or lifestyle changes. This article gives ideas to get better rates and find possible discounts that are available.
- Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from a single company like GEICO and Allstate, while independent agents can provide prices from multiple sources. View companies
- Compare the new rate quotes to your existing policy to see if you can save by switching companies. If you find better rates and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
- Notify your current company of your intention to cancel your current policy and submit a completed application and payment to the new company. As soon as you can, safely store the proof of insurance certificate above your visor, in the console, or in the glove compartment.
An important part of this process is to try to compare the same physical damage deductibles and liability limits on every quote request and and to get rates from as many different insurance providers as possible. Doing this helps ensure an apples-to-apples comparison and a better comparison of the market.
Consumers have multiple car insurance companies to pick from, and even though it’s nice to have a choice, it can be more challenging to compare rates and cut insurance costs.
The best way to compare car insurance rates for Suzuki SX4 insurance in Detroit is to know most of the larger companies provide online access to provide you with a free rate quote. All you need to do is give the companies some data including your general credit rating, how much coverage you want, driver details, and how you use your vehicles. The rating information is then submitted to many different companies and you should receive rate quotes very quickly.
To check Suzuki SX4 insurance prices now, click here and enter your coverage details.
The companies shown below can provide free rate quotes in Michigan. In order to find cheap car insurance in Detroit, we recommend you visit as many as you can to find the most competitive car insurance rates.
Three reasons to not skimp on insurance
Despite the high cost, maintaining insurance may be mandatory for several reasons.
First, almost all states have mandatory liability insurance requirements which means you are required to buy specific limits of liability coverage if you want to drive legally. In Michigan these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you bought your Suzuki SX4 with a loan, more than likely the lender will force you to buy insurance to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the bank will be required to insure your Suzuki at a more expensive rate and require you to reimburse them a much higher amount than you were paying before.
Third, insurance preserves both your assets and your vehicle. It also can pay for medical transport and hospital expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, also pays for attorney fees and expenses in the event you are sued. If you have damage to your Suzuki as the result of the weather or an accident, collision and comprehensive coverages will pay to repair the damage.
The benefits of buying enough insurance are definitely more than the cost, particularly if you ever have a claim. The average driver in America is currently overpaying as much as $869 every year so compare rate quotes at every renewal to help ensure money is not being wasted.
Suzuki SX4 coverage analysis
The price information shown below outlines a range of policy rates for Suzuki SX4 models. Learning more about how prices are determined can help guide drivers when making informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| SX4 LE | $404 | $912 | $662 | $40 | $198 | $2,216 | $185 |
| SX4 2WD | $464 | $750 | $662 | $40 | $198 | $2,114 | $176 |
| SX4 Sport S | $464 | $1074 | $662 | $40 | $198 | $2,438 | $203 |
| SX4 Sport SE | $464 | $1074 | $662 | $40 | $198 | $2,438 | $203 |
| SX4 Technology 2WD | $464 | $912 | $662 | $40 | $198 | $2,276 | $190 |
| SX4 Sportback 2WD | $464 | $912 | $662 | $40 | $198 | $2,276 | $190 |
| SX4 AWD AWD | $464 | $912 | $662 | $40 | $198 | $2,276 | $190 |
| SX4 Sport GTS | $464 | $1074 | $662 | $40 | $198 | $2,438 | $203 |
| SX4 Technology AWD | $524 | $912 | $662 | $40 | $198 | $2,336 | $195 |
| SX4 Touring AWD | $524 | $912 | $662 | $40 | $198 | $2,336 | $195 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Michigan minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Premium amounts do not factor in specific location which can raise or lower rates considerably.
The information below illustrates how choosing a deductible and can increase or decrease Suzuki SX4 insurance costs for different categories of driver ages. The prices are based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Auto insurance rates based on gender
The information below visualizes the comparison of Suzuki SX4 annual premium costs for male and female drivers. The premium estimates are based on no violations or accidents, full physical damage coverage, $500 deductibles, marital status is single, and no discounts are factored in.
Cheaper Detroit insurance quotes with discounts
Insurance can be prohibitively expensive, but you may find discounts that can drop the cost substantially. Some discounts apply automatically at quote time, but once in a while a discount must be specially asked for in order for you to get them. If you don’t get every credit available, you could be paying more than you need to.
- Drive Less and Save – Low annual miles could qualify for discounted prices on garaged vehicles.
- Theft Deterrent – Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and will save you 10% or more on SX4 insurance in Detroit.
- Telematics Discount – Insureds that choose to allow their insurance company to analyze vehicle usage remotely such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they are good drivers.
- Military Discounts – Having a family member in the military could trigger a small discount.
- Seat Belts Save – Drivers who always wear seat belts and also require passengers to use their safety belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
- College Student – Older children who attend college more than 100 miles from Detroit and leave their car at home could qualify for this discount.
- Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a lower premium rate if you buy life insurance from them.
- Multiple Vehicles – Purchasing coverage when you have more than one vehicle with the same company could earn a price break for each car.
- Savings for New Vehicles – Putting insurance on a new SX4 can save you some money because newer vehicles keep occupants safer.
You can save money using discounts, but most discounts do not apply to the entire cost. The majority will only reduce individual premiums such as medical payments or collision. Despite the appearance that you could get a free insurance policy, you aren’t that lucky.
The illustration below illustrates the difference between Suzuki SX4 premium costs with and without discounts applied to the premium. The costs are based on a female driver, no tickets, no at-fault accidents, Michigan state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-policy, multi-car, marriage, and safe-driver discounts applied.
To view insurance companies with discount rates in Michigan, follow this link.
Do I need an insurance agent?
Certain consumers just want to talk to a local agent and that can be a smart move Experienced insurance agents are trained to spot inefficiencies and help in the event of a claim. One of the benefits of getting free rate quotes online is you can get cheap insurance rates and still choose a local agent.
By using this quick form, the quote information is submitted to local insurance agents that can provide free Detroit auto insurance quotes to get your business. It makes it easy because there is no need to leave your house as quotes are delivered to your email. If you want to get a comparison quote from a particular provider, you can always search and find their rate quote page and fill out the quote form the provide.
Deciding on an provider should include more criteria than just the premium amount. Agents should be asked these questions:
- Has the agent ever had any license suspensions?
- If you raise deductibles, how much can you save?
- Which insurance company do they prefer to write with?
- Will a damage claim use OEM or aftermarket replacement parts?
- Is every driver in your family covered?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Is there a 24/7 contact number?
Not all auto insurance agents are the same
If you’re trying to find a good insurance agency, it’s important to understand the different types of agencies and how they work. Insurance agencies can either be exclusive agents or independent agents. Either one can insure your vehicles properly, but it’s worth learning the difference in the companies they write for since it can impact which agent you choose.
Exclusive Insurance Agencies
These type of agents can only provide one company’s prices like Farmers Insurance and State Farm. They are unable to provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive agents are well schooled on their company’s products which helps offset the inability to provide other markets.
Shown below are Detroit exclusive agents that can give you comparison quotes.
Charlotte Knight – State Farm Insurance Agent
7100 W Seven Mile Rd – Detroit, MI 48221 – (313) 340-9000 – View Map
PD Dandnaik – State Farm Insurance Agent
W, 7725 Vernor Hwy – Detroit, MI 48209 – (313) 554-1500 – View Map
Jim Saucedo – State Farm Insurance Agent
5602 Vernor Hwy – Detroit, MI 48209 – (313) 841-8100 – View Map
Independent Insurance Agents
Independent insurance agents can quote rates with many companies so they can write business through many different insurance companies and get the cheapest rates. If you are not satisfied with one company, they simply move your policy to a different company and the insured can keep the same agent.
When comparing rates, we recommend you contact at a minimum one independent agency to have the best price comparison.
Shown below is a list of independent insurance agencies in Detroit willing to provide price quote information.
C B Irwin Insurance
2357 W Grand Blvd – Detroit, MI 48208 – (313) 894-2144 – View Map
L.A. Insurance Agency
15607 Grand River Ave – Detroit, MI 48227 – (313) 835-4000 – View Map
Clark Insurance Agency
2711 E Jefferson Ave #206 – Detroit, MI 48207 – (313) 259-6600 – View Map
How to know if you need help
When it comes to choosing insurance from an agent or online, there is no “best” method to buy coverage. Every situation is different so this has to be addressed.
These are some specific questions may help you determine if your situation would benefit from an agent’s advice.
- How long can I keep a teen driver on my policy?
- How much coverage applies to personal belongings?
- What does medical payments coverage do?
- What can I do if my company denied a claim?
- When does my teenage driver need to be added to my policy?
- Does my personal policy cover me when driving out-of-state?
If you’re not sure about those questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and can help protect your family.
In Summary
As you restructure your insurance plan, do not buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.
Some companies don’t offer internet price quotes and usually these small insurance companies work with independent agents. Cheaper car insurance in Detroit is available online and with local Detroit insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from.
You just learned a lot of tips how to save on Suzuki SX4 insurance in Detroit. The most important thing to understand is the more rate quotes you have, the higher your chance of finding low cost Detroit auto insurance quotes. Drivers may even discover the best price on car insurance is with a small local company. Some small companies may often insure only within specific states and give better rates than their larger competitors like Progressive or GEICO.
How to buy discount Suzuki SX4 insurance in Detroit
The best way to find better pricing on Suzuki SX4 insurance in Detroit is to start comparing prices yearly from insurance carriers who sell insurance in Michigan.
- Spend a few minutes and learn about individual coverages and the measures you can take to drop your rates. Many things that cause high rates like traffic violations, accidents, and a not-so-good credit history can be amended by being financially responsible and driving safely.
- Get rate quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO or State Farm, while independent agencies can provide prices from multiple insurance companies.
- Compare the quotes to your existing coverage and determine if cheaper SX4 coverage is available. If you can save some money and make a switch, make sure there is no coverage gap between policies.
- Provide notification to your current agent or company of your intent to cancel your current policy. Submit payment and a signed application to the new company. Immediately upon receiving it, put the certificate verifying proof of insurance in an easily accessible location.
One piece of advice is to use identical coverage information on each price quote and to quote with as many car insurance companies as possible. Doing this enables an accurate price comparison and a better comparison of the market.
For more information, link through to these articles:
- Comprehensive Coverage (Liberty Mutual)
- Who Has the Cheapest Detroit Car Insurance Quotes for a Chevrolet Equinox? (FAQ)
- Who Has Affordable Auto Insurance for a 20 Year Old Male in Detroit? (FAQ)
- Who Has Affordable Detroit Auto Insurance for a Nissan Rogue? (FAQ)
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- How to Avoid Staged Accidents (State Farm)
- Understanding your Policy (NAIC.org)