Best Suzuki Equator Insurance in Los Angeles

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Discount Suzuki Equator insuranceDo you want to learn to get the cheapest Suzuki Equator insurance in Los Angeles? Having to pay for overpriced car insurance in Los Angeles can dry up your bank account, especially in this economy. Comparison shopping is free and is an excellent way to lower your monthly bill.

A recent survey discovered that the vast majority of California car insurance customers renewed their policy with the same company for more than four years, and just short of a majority have never compared rates to find cheap insurance. American drivers could cut their rates by up to 46.5% a year just by getting comparison quotes, but they feel it's too difficult to compare rates online. Many insurers vie for your hard-earned dollar, and because of this it can be hard to compare insurance companies and get the best coverage at the lowest cost out there.

Earn discounts to get lower-cost Los Angeles car insurance quotes

Car insurance can cost a lot, but there may be some discounts that you may not know about. Some trigger automatically at the time you complete a quote, but some need to be manually applied before you get the savings.

  • Military Deployment Discount - Being on active duty in the military may lower your premium rates slightly.
  • Federal Government Employee - Being employed by or retired from a federal job can earn a discount up to 10% with select insurance companies.
  • Life Insurance Discount - Insurance carriers who offer life insurance give a discount if you purchase auto and life insurance together.
  • Anti-theft System - Cars and trucks optioned with advanced anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Telematics Data Discounts - Drivers that enable data collection to track when and where they use their vehicle through the use of a telematics system such as Progressive's Snapshot and State Farm's In-Drive could see a rate decrease if they are good drivers.
  • Drive Less and Save - Low mileage vehicles could earn substantially lower premium rates.
  • Buy New and Save - Putting insurance on a new Equator can save you some money because newer models have to meet stringent safety requirements.

Don't be shocked that most of the big mark downs will not be given to your bottom line cost. Most only apply to individual premiums such as medical payments or collision. Even though the math looks like all those discounts means the company will pay you, it's just not the way it works.

The illustration below visualizes the comparison of Suzuki Equator car insurance costs with and without discounts applied to the rates. The premiums assume a male driver, no claims or driving citations, California 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, homeowner, multi-policy, safe-driver, multi-car, and claim-free discounts applied.

Popular car insurance companies and a partial list of their discounts can be read below.

  • State Farm offers premium reductions for defensive driving training, student away at school, Steer Clear safe driver discount, multiple autos, and passive restraint.
  • GEICO policyholders can earn discounts including military active duty, driver training, air bags, daytime running lights, anti-theft, and federal employee.
  • Allstate discounts include premier plus, early signing, farm vehicle, passive restraint, good student, auto/life discount, and multi-policy.
  • SAFECO may have discounts that include teen safety rewards, drive less, teen safe driver, accident prevention training, anti-theft, and bundle discounts.
  • Farm Bureau may offer discounts for 55 and retired, youthful driver, multi-policy, renewal discount, and driver training.
  • Progressive has discounts for homeowner, good student, online quote discount, continuous coverage, multi-vehicle, multi-policy, and online signing.
  • AAA may include discounts for AAA membership discount, multi-car, pay-in-full, good driver, good student, and anti-theft.

If you need affordable Suzuki Equator insurance quotes, ask each company or agent which credits you are entitled to. Some discounts listed above might not apply in Los Angeles. If you would like to see a list of car insurance companies that offer some of these discounts in Los Angeles, click here to view.

Finding low cost car insurance quotes is an easy way to save money. You just need to spend a little time comparing price quotes from online providers.

It's so simple to compare car insurance rate quotes online takes the place of having to call or drive to insurance agents' offices. The internet eliminates the need for an insurance agent unless you prefer the peace of mind of a licensed agent. If you prefer, some companies allow you to comparison shop online but have a local agent actually write the policy.

The companies shown below can provide free quotes in Los Angeles, CA. If multiple providers are shown, it's highly recommended you compare several of them in order to get a fair rate comparison.

Coverage analysis

The premium table displayed below showcases different insurance costs for Suzuki Equator models. Having knowledge of how insurance policy rates are established is important for making smart choices when buying a car insurance policy.

Suzuki Equator Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equator Ext Cab 2WD $242 $382 $442 $26 $132 $1,224 $102
Equator Ext Cab 2WD $242 $382 $442 $26 $132 $1,224 $102
Equator Ext Cab 2WD $278 $464 $442 $26 $132 $1,342 $112
Equator Ext Cab 2WD $278 $464 $442 $26 $132 $1,342 $112
Equator Ext Cab 4WD $278 $464 $442 $26 $132 $1,342 $112
Equator Crew Cab 4WD $314 $546 $442 $26 $132 $1,460 $122
Equator Crew Cab 4WD $314 $546 $442 $26 $132 $1,460 $122
Equator Crew Cab 4WD $314 $546 $442 $26 $132 $1,460 $122
Get Your Own Customized Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Prices do not factor in vehicle garaging location which can decrease or increase price quotes significantly.

Yearly car insurance costs for men versus women

The illustration below compares Suzuki Equator insurance costs for male and female drivers. Data assumes no accidents, no driving violations, comprehensive and collision coverage, $250 deductibles, single marital status, and no discounts are factored in.

What Impacts Suzuki Equator Insurance Costs?

Lots of things are used in the calculation when you quote your car insurance policy. Some are pretty understandable such as your driving record, although some other factors are more obscure such as your credit history or your financial responsibility.

Shown below are some of the major factors used by insurance companies to determine your premiums.

  • Youthful drivers cost more - Teen drivers in California are statistically proven to be easily distracted in a vehicle and because of this, their car insurance rates are much higher. Older, more experienced drivers are more responsible, tend to cause fewer accidents, and are safer drivers.

    The next chart uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.

  • More stress means more cost - Did you know your occupation can influence how much you pay for car insurance? Occupational choices like lawyers, airline pilots, and medical professionals usually pay higher rates than average due to job stress and lengthy work days. Conversely, jobs like farmers, athletes and the unemployed receive lower rates.
  • Avoid tickets and save - Drivers who don't get tickets pay lower auto insurance prices as compared to those with violations. Only having one chargeable violation can bump up the cost by twenty percent. Drivers who have gotten dangerous violations like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 form with their state motor vehicle department in order to continue driving.

    The information below demonstrates how traffic citations and accident claims influence Suzuki Equator annual premium costs for different insured age categories. Data assumes a single female driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.

  • Never have car insurance policy lapses - Allowing your car insurance policy to lapse will be a fast way to increase your car insurance rates. And not only will insurance be more expensive, being ticketed for driving with no insurance might get you a license revocation or jail time. You may then be required to submit proof of financial responsibility or a SR-22 with the California motor vehicle department.
  • Deter car thieves - Buying a car with a theft deterrent system can save you some money. Theft deterrent systems like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent auto theft and help lower rates.
  • Where do you drive? - The more you drive your Suzuki in a year the higher your rate. Most insurance companies rate vehicles based on their usage. Autos left parked in the garage receive better premium rates as compared to vehicles used primarily for driving to work. Double check that your policy shows the right rating data, because it can save money. Having an incorrect usage rating on your Equator is throwing money out the window.

Get rate quotes but buy from a local Los Angeles insurance agency

Certain consumers just want to go talk to an agent and that is a smart decision Professional agents can help you choose the best coverages and will help you if you have claims. One of the best bonuses of price shopping on the web is that drivers can save money and get lower rates and still buy from a local agent. Putting coverage with local insurance agents is important especially in Los Angeles.

By using this simple form, your insurance data gets sent to companies in Los Angeles that give free quotes for your insurance coverage. It makes it easy because there is no need to visit any agencies since price quotes are sent directly to your email. If for some reason you want to get a price quote from a specific insurance provider, feel free to jump over to their website and fill out the quote form the provide.

When looking for a reputable insurance agent or broker, it's important to understand the different types of agencies that differ in how they can insure your vehicles. Agents are classified as either exclusive or independent. Both insure your vehicles properly, but it's worth learning how they are different since it can impact your agent selection.

Independent Agents (or Brokers)

Agents that elect to be independent are not employed by any specific company and that is an advantage because they can write policies with many different companies and find you the best rates. If your premiums go up, they simply move your policy to a different company without you having to go to a different agency. When comparing rates, we recommend you contact several independent agencies for the best price selection.

Below is a list of independent agencies in Los Angeles that can give you free insurance rate quotes.


11900 W Olympic Blvd #475 - Los Angeles, CA 90064 - (800) 966-6830 - View Map


11611 San Vicente Blvd #515 - Los Angeles, CA 90049 - (310) 820-5200 - View Map


10941 W Pico Blvd - Los Angeles, CA 90064 - (310) 234-8600 - View Map

More Los Angeles agents

Exclusive Insurance Agencies

These agents write business for a single company and examples are Farmers Insurance, State Farm, or Allstate. They generally cannot compare rates from other companies so keep that in mind. These agents are trained well on sales techniques and that enables them to sell even at higher rates.

Listed below is a list of exclusive agents in Los Angeles who can help you get price quotes.


4448 Eagle Rock Blvd e - Los Angeles, CA 90041 - (323) 254-5800 - View Map


4918 W Slauson Ave - Los Angeles, CA 90056 - (323) 292-7930 - View Map


3580 Wilshire Blvd #130 - Los Angeles, CA 90010 - (213) 365-2071 - View Map

More Los Angeles agents

Finding the right auto insurance agent is decision based upon more than just a cheap price. Here are some questions you should ask.

  • Can they give you a list of client referrals?
  • Are they full-time agents?
  • How often do they review coverages?
  • Is assistance available after office hours?
  • Is every driver in your family covered?

Upon receiving good feedback to any questions you may have as well as an affordable premium quote, you've probably found a car insurance agent that is reliable enough to insure your vehicles.

Insurance is an important decision

Despite the high cost of buying insurance for a Suzuki Equator in Los Angeles, insuring your vehicle serves several important purposes.

  • The majority of states have mandatory insurance requirements which means you are required to carry a minimum amount of liability coverage in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If you bought your Suzuki with a loan, most banks will make it a condition of the loan that you carry insurance to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the lender will be forced to insure your Suzuki at a more expensive rate and force you to reimburse them much more than you were paying before.
  • Insurance preserves both your vehicle and your assets. It will also provide coverage for medical expenses incurred in an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses in the event you are sued. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.

The benefits of having insurance greatly outweigh the cost, especially with large liability claims. According to a survey of 1,000 drivers, the average driver is wasting up to $825 a year so you should quote your policy with other companies at every renewal to ensure rates are competitive.

Quote often and quote early

In this article, we covered a lot of information how to lower your Suzuki Equator insurance premium rates in Los Angeles. The key thing to remember is the more quotes you get, the better chance you'll have of finding inexpensive Los Angeles auto insurance quotes. You may even find the lowest premium rates come from a smaller regional carrier. These smaller insurers may have significantly lower prices on certain market segments than their larger competitors like Allstate and Progressive.

When trying to cut insurance costs, never skimp on critical coverages to save a buck or two. In many instances, an insured dropped collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The goal is to find the BEST coverage for the lowest cost but still have enough coverage for asset protection.

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