Best Insurance for a Suzuki SX4 in Los Angeles

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Insurance rates Suzuki SX4 in Los AngelesWant to learn the secrets to finding more competitive auto insurance rates in Los Angeles, CA? Los Angeles drivers have options when trying to find the lowest priced Suzuki SX4 insurance. You can either spend your time calling around getting price quotes or leverage the internet to compare rates. There is a right way and a wrong way to compare auto insurance rates and you need to know the proper way to get price quotes on a Suzuki and get the lowest possible price.

Locating the most cost-effective auto insurance policy in Los Angeles is really not that difficult. If you already have coverage, you will most likely be able to find the best rates using the concepts you're about to learn. Smart shoppers just need to understand the best way to compare price quotes instantly.

Best Suzuki SX4 insurance prices in California

The following companies can provide comparison quotes in Los Angeles, CA. If multiple companies are shown, we recommend you visit two to three different companies in order to find the most affordable rates.

Detailed insurance information

The premium table displayed next covers a range of prices for Suzuki SX4 models. Learning how policy premiums are determined can help customers make decisions when shopping around.

Suzuki SX4 Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SX4 LE $242 $464 $442 $26 $132 $1,306 $109
SX4 2WD $278 $382 $442 $26 $132 $1,260 $105
SX4 Sport S $278 $546 $442 $26 $132 $1,424 $119
SX4 Sport SE $278 $546 $442 $26 $132 $1,424 $119
SX4 Technology 2WD $278 $464 $442 $26 $132 $1,342 $112
SX4 Sportback 2WD $278 $464 $442 $26 $132 $1,342 $112
SX4 AWD AWD $278 $464 $442 $26 $132 $1,342 $112
SX4 Sport GTS $278 $546 $442 $26 $132 $1,424 $119
SX4 Technology AWD $314 $464 $442 $26 $132 $1,378 $115
SX4 Touring AWD $314 $464 $442 $26 $132 $1,378 $115
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rate information does not factor in zip code location which can increase or decrease prices significantly.

Rate comparison for different deductibles

One of the most common car insurance questions is what deductibles to buy. The comparisons below sum up the premium difference between low and high insurance deductibles. The first data set uses a $100 deductible for comp and collision and the second price grid uses a $1,000 deductible.

Suzuki SX4 insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SX4 LE $332 $686 $442 $26 $132 $1,643 $137
SX4 2WD $380 $564 $442 $26 $132 $1,569 $131
SX4 Sport S $380 $810 $442 $26 $132 $1,815 $151
SX4 Sport SE $380 $810 $442 $26 $132 $1,815 $151
SX4 Technology 2WD $380 $686 $442 $26 $132 $1,691 $141
SX4 Sportback 2WD $380 $686 $442 $26 $132 $1,691 $141
SX4 AWD AWD $380 $686 $442 $26 $132 $1,691 $141
SX4 Sport GTS $380 $810 $442 $26 $132 $1,815 $151
SX4 Technology AWD $430 $686 $442 $26 $132 $1,741 $145
SX4 Touring AWD $430 $686 $442 $26 $132 $1,741 $145
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Suzuki SX4 insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SX4 LE $184 $362 $442 $26 $132 $1,146 $96
SX4 2WD $210 $298 $442 $26 $132 $1,108 $92
SX4 Sport S $210 $426 $442 $26 $132 $1,236 $103
SX4 Sport SE $210 $426 $442 $26 $132 $1,236 $103
SX4 Technology 2WD $210 $362 $442 $26 $132 $1,172 $98
SX4 Sportback 2WD $210 $362 $442 $26 $132 $1,172 $98
SX4 AWD AWD $210 $362 $442 $26 $132 $1,172 $98
SX4 Sport GTS $210 $426 $442 $26 $132 $1,236 $103
SX4 Technology AWD $238 $362 $442 $26 $132 $1,200 $100
SX4 Touring AWD $238 $362 $442 $26 $132 $1,200 $100
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Table data does not factor in specific location information which can decrease or increase premiums substantially.

Based on the figures above, using a $100 deductible will cost you approximately $44 more each month or $528 for a full year across all Suzuki SX4 models than selecting the higher $1,000 deductible. Because you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have at a minimum 20 months between claim filings, you would most likely save money going with the higher deductible.

Calculate deductible break even point

Average monthly premium for $100 deductibles: $143
Average monthly premium for $1,000 deductibles (subtract): - $99
Monthly savings from raising deductible: $44
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $44
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

An important thing to remember is that higher deductibles means you will have to cover more of the damage yourself when you do file a claim. You will want to have some non-essential savings in order to pay the higher deductible in order to repair your vehicle.

The example below shows how choosing a deductible and can increase or decrease Suzuki SX4 insurance premiums for each age group. The premium estimates are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.

Suzuki SX4 liability rates compared to full coverage

The chart below shows the comparison of Suzuki SX4 car insurance costs with full physical damage coverage and with liability coverage only. The premium estimates are based on no claims or driving citations, $100 deductibles, single status, and no other discounts are factored in.

Deciding between full coverage and liability only

There is no specific rule for eliminating physical damage coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is 10% or more of the settlement you would receive from your company, then you might consider buying liability only.

For example, let's pretend your Suzuki SX4 replacement value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $5,000 after the deductible is paid. If it's costing you more than $500 annually for full coverage, then it may be the right time to buy liability only.

There are some situations where only buying liability is not a good plan. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to prevent your loan from defaulting. Also, if you don't have enough money to buy a different vehicle if your current one is in an accident, you should not buy liability only.

Take advantage of these discounts

Some insurance providers don't list every discount they offer very clearly, so the following is a list of some of the best known and the more hidden discounts that you can inquire about if you buy Los Angeles car insurance online.

  • Savings for New Vehicles - Buying a new car model is cheaper compared to insuring an older model.
  • Use Seat Belts - Buckling up and requiring all passengers to use their safety belts could cut 10% or more off PIP or medical payments premium.
  • Service Members Pay Less - Having a family member in the military may lower your auto insurance rates slightly.
  • Low Mileage - Low mileage vehicles could earn lower rates on the low mileage vehicles.
  • Theft Deterrent Discount - Cars, trucks, and SUVs optioned with advanced anti-theft systems have a lower chance of being stolen and will save you 10% or more on SX4 insurance in Los Angeles.
  • Discount for Home Ownership - Being a homeowner can save you money because of the fact that having a home demonstrates responsibility.
  • Discounts for Safe Drivers - Safe drivers can save up to 40% or more on their Los Angeles car insurance quote than their less cautious counterparts.
  • Senior Citizen Rates - Drivers over the age of 55 may receive a slight reduction on a Los Angeles car insurance quote.

One last thing about discounts, most credits do not apply to your bottom line cost. Most only cut specific coverage prices like comp or med pay. Just because it seems like you can get free auto insurance, companies wouldn't make money that way. Any qualifying discounts will cut the cost of your policy.

The information below compares Suzuki SX4 car insurance rates with and without discounts being applied to the rates. The premium estimates are based on a female driver, no violations or claims, California 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 multi-policy, claim-free, homeowner, marriage, safe-driver, and multi-car discounts applied.

Car insurance companies that may offer quotes with these benefits include:

If you need affordable Suzuki SX4 insurance quotes, ask every company to give you their best rates. Discounts may not apply in your state. To locate auto insurance companies that can offer you the previously mentioned discounts in California, click here.

Everyone needs different auto insurance coverages

When it comes to choosing coverage, there really isn't a "best" method to buy coverage. Your financial needs are unique and your policy should reflect that. For example, these questions can help discover if your situation would benefit from professional advice.

  • Should I put collision coverage on all my vehicles?
  • Am I covered when pulling a rental trailer?
  • When should I buy a commercial auto policy?
  • Is there a penalty for late payment?
  • Is my teen driver covered when they drive my company car?
  • Is motorclub coverage worth it?

If it's difficult to answer those questions but you think they might apply to your situation, then you may want to think about 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 auto insurance companies in your area. It's fast, doesn't cost anything and you can get the answers you need.

Independent versus exclusive insurance agents

Certain consumers prefer to buy from a local agent and that can be a smart move Professional agents will help you protect your assets and help in the event of a claim. A good thing about price shopping on the web is that you can obtain the lowest rates and still have an agent to talk to.

Insurance agents in Los AngelesAfter filling out this simple form, your insurance data is transmitted to insurance agents in Los Angeles that provide free Los Angeles car insurance quotes for your business. There is no need to drive around since price quotes are sent straight to your inbox. If you wish to get a price quote for a specific company, just find their quoting web page and fill out their quote form.

Finding the right provider needs to be determined by more than just the price. Before buying a policy in Los Angeles, get answers to these questions.

  • If independent agents, which companies do they recommend?
  • Can you choose the body shop in case repairs are needed?
  • Is every driver in your family covered?
  • Will one accident increase rates?
  • Does the agent have a valid license to sell insurance in California?
  • Is coverage determined by price?
  • Will they give you a referral list?
  • Will you get a loaner vehicle if you car is being repaired?

The following are Los Angeles insurers that are able to give price quotes for Suzuki SX4 insurance in Los Angeles.

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More comparisons equals cheap rates

While you're price shopping online, make sure you don't buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed liability limits or collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The goal is to find the BEST coverage at the best possible price, but do not sacrifice coverage to save money.

The cheapest Suzuki SX4 insurance in Los Angeles is available both online and also from your neighborhood Los Angeles agents, so get free Los Angeles car insurance quotes from both of them to have the best rate selection. Some companies may not provide price quotes online and most of the time these smaller providers work with independent insurance agents.

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