Car Insurance Quotes for a Suzuki SX4 in Oakland

It’s a fact that auto insurance companies want to prevent you from shopping around. Consumers who compare rates at least once a year are highly likely to switch companies because there is a good chance of finding a policy with more affordable rates. A recent insurance study revealed that consumers who compared rates once a year saved approximately $3,450 over four years compared to policyholders who don’t regularly compare prices.

If saving the most money on Suzuki SX4 insurance in Oakland is why you’re here, then understanding how to get price quotes and compare auto insurance can make the process less intimidating.

It takes a little time, but the best way to find cheaper quotes for Suzuki SX4 insurance is to start doing a yearly price comparison from companies in Oakland.

Step 1: Get an understanding of what coverages are included in your policy and the things you can control to prevent rate increases. Many policy risk factors that cause high rates like accidents, traffic violations, and a negative credit rating can be eliminated by making small lifestyle or driving habit changes.

Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from a single company like GEICO and Allstate, while agents who are independent can quote prices for a wide range of insurance providers.

Step 3: Compare the new quotes to the price on your current policy to see if you can save by switching companies. If you find a lower rate, make sure there is no lapse in coverage.

Step 4: Give proper notification to your current agent or company to cancel your current car insurance policy. Submit the application along with any required down payment for your new coverage. As soon as you receive it, put the certificate of insurance in an accessible location in your vehicle.

One tip to remember is to use similar coverage information on every quote request and and to get price estimates from every insurance company. Doing this helps ensure a fair rate comparison and a complete rate analysis.

Finding the cheapest coverage in Oakland is actually quite easy if you know where to start. If you have coverage now, you should be able to cut your premiums using the techniques covered below. Drivers only need to know the proper methods to compare prices from many companies at once.

The best way we recommend to compare rate quotes for Suzuki SX4 insurance in Oakland is to know auto insurance companies actually pay money for the chance to provide you with free rate quotes. To begin a comparison, all you need to do is provide information including what you do for a living, if the vehicle is leased, whether you have decent credit, and distance driven. The rating information gets transmitted to multiple companies and they return cost estimate within a short period of time.

To check Suzuki SX4 insurance prices now, click here and enter your zip code.

The companies shown below have been selected to offer free quotes in Oakland, CA. To locate cheap auto insurance in California, we suggest you click on several of them in order to find the lowest rates.

Discounts can help lower premiums on Suzuki SX4 insurance in Oakland

Auto insurance is not cheap nor is it fun to buy but you may be missing some discounts that can drop the cost substantially. Certain credits will be shown at quote time, but some must be specifically requested before you get the savings. If you do not check that you are getting every discount available, you are paying more than you should be.

• Theft Prevention Discount – Cars and trucks with anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
• Life Insurance – Some auto insurance companies give a lower rate if you buy a life policy as well.
• Resident Student – Children who are enrolled in higher education away from home without a vehicle on campus can be insured at a reduced rate.
• No Charge for an Accident – Not really a discount, but companies like GEICO, State Farm, and Progressive will forgive one accident before raising your premiums if you are claim-free for a certain period of time.
• Driver Safety – Successfully completing a class that teaches defensive driver techniques could earn you a small percentage discount and easily pay for the cost of the class.
• Save with More Vehicles Insured – Buying a policy with multiple cars on the same auto insurance policy could earn a price break for each car.
• Drive Safe and Save – Insureds who avoid accidents can get discounts for up to 45% lower rates as compared to drivers with claims.
• Passive Restraints – Vehicles with factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like you could get a free auto insurance policy, you aren’t that lucky.

The illustration below illustrates the comparison of Suzuki SX4 insurance rates with and without some available policy discounts. The rates are based on a female driver, no accidents, no driving violations, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, safe-driver, multi-car, multi-policy, and marriage discounts applied.

Popular auto insurance companies and some of the discounts include:

• The Hartford may have discounts that include vehicle fuel type, defensive driver, good student, anti-theft, driver training, air bag, and bundle.
• American Family discounts include Steer into Savings, TimeAway discount, air bags, defensive driver, multi-vehicle, and mySafetyValet.
• Progressive may include discounts for continuous coverage, homeowner, good student, multi-vehicle, multi-policy, online quote discount, and online signing.
• Travelers includes discounts for student away at school, home ownership, new car, save driver, and IntelliDrive.
• Farmers Insurance offers discounts including pay in full, electronic funds transfer, good student, business and professional, and alternative fuel.
• USAA may offer discounts for good student, multi-policy, driver training, defensive driver, and military installation.
• Liberty Mutual offers premium reductions for safety features, good student, new graduate, newly retired, multi-car, and teen driver discount.

When getting a coverage quote, ask each company which credits you are entitled to. Savings might not apply in Oakland. If you would like to view auto insurance companies that provide some of the discounts listed above in California, follow this link.

Rates and detailed analysis

The coverage table shown below highlights detailed analysis of insurance costs for Suzuki SX4 models. Knowing how premiums are formulated can help drivers make informed purchases.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Table data does not factor in zip code location which can raise or lower rates substantially.

Where to set your deductibles

One frequently asked question is how high should your deductibles be. The rates below may help you to understand how much more you’ll pay between high and low physical damage coverage deductibles. The first rate quote example uses a $100 deductible for comp and collision and the second set of prices uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Premium costs do not factor in specific Oakland garaging location which can revise rates substantially.

Based on these figures, using a $100 deductible would cost the average driver about $44 more each month or $528 annually than buying the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 20 months between claim filings, you would probably come out ahead if you opt for a higher deductible.

The illustration below illustrates how choosing a deductible and can impact Suzuki SX4 yearly insurance costs for each age group. The information is based on a single male driver, full coverage, and no policy discounts are applied.

Eight Things That Influence Your Insurance Prices

When buying car insurance it’s important to understand the different types of things that help calculate the level of your policy premiums. If you have some idea of what impacts premium levels, this allows you to make good choices that can help you get lower car insurance prices.

Shown below are some of the most rate-impacting factors used by companies to determine your rate level.

• GPS tracking and theft deterrents reduce premiums – Owning a car with advanced anti-theft systems can save you a little every year. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent auto theft and help lower rates.
• Don’t cancel your policy without a new one in place – Driving without insurance can get your license suspended and you will pay a penalty because you let your insurance expire. In addition to paying higher rates, failure to provide proof of insurance may result in a steep fine or even jail time.

• Battle of the sexes – Statistics have proven that females take fewer risks when driving. Now that doesn’t mean females are better drivers. Both sexes get in accidents in similar percentages, but the males tend to have higher claims. In addition to higher claims, males also have more aggressive citations such as DWI and reckless driving.

  The information below illustrates the comparison of Suzuki SX4 auto insurance costs for male and female drivers. The data is based on a clean driving record, no claims, full physical damage coverage, $250 deductibles, single status, and no policy discounts are applied.

• More stress means more cost – Did you know your car insurance rates can be affected by your occupation? Careers like lawyers, police officers, and accountants generally pay the highest rates because of intense work situations and extremely grueling work hours. On the other hand, occupations like professors, engineers and homemakers generally pay rates lower than average.
• Bump up comp and collision deductibles to lower rates – Deductibles for physical damage define the amount you are required to pay in the event of a claim. Physical damage insurance, aka comp and collision, covers damage that occurs to your car. A few examples of covered claims are rear-ending another vehicle, fire damage, or theft of your vehicle. The more damage repair cost the insured has to pay upfront, the better rate you will receive.
• Keep the miles off and save – The higher the mileage driven each year the higher your rate. Most companies calculate rates based on how the vehicle is used. Cars that sit idle most of the time can get a lower rate than those used for commuting. Make sure your vehicle rating is rated on annual mileage. An incorrectly rated SX4 is just wasting money.

• Tickets drive up premiums – Your driving record impacts your car insurance rates tremendously. Good drivers get better rates than their less careful counterparts. Even a single chargeable violation can increase the cost of insurance by as much as twenty percent. Drivers who get severe tickets like DUI, reckless driving or excessive speeding may find that they have to to submit a SR-22 or proof of financial responsibility with their state in order to keep their license.

  The chart below demonstrates how speeding tickets and at-fault collisions can increase Suzuki SX4 annual premium costs for different categories of driver ages. The price estimates are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

• Improve your credit rating and save – A driver’s credit history is a large factor in determining premium rates. Insureds with high credit scores tend to be less risk to insure as compared to drivers with lower credit scores. If your credit history is not that good, you may save money insuring your Suzuki SX4 by improving your credit score.