Best Rate Quotes for Suzuki SX4 Insurance in Philadelphia

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Insurance for Suzuki SX4There isn't anyone who gets a kick out of paying for insurance, especially when it costs too dang much.

It's an obvious statement that insurance companies don't want you to look for cheaper rates. Drivers who get price comparisons will probably switch insurance companies because there is a good probability of finding good coverage at a lower price. A recent study showed that consumers who shopped around saved on average $3,400 over four years compared to policyholders who never compared rates.

If finding the best rates on auto insurance is your intention, then having an understanding of how to shop for auto insurance can make shopping around easier.

Due to the increasing number of online and local companies to choose from, it is very difficult to locate the right insurance company.

It's smart to shop coverage around at least once a year because insurance prices tend to go up over time. If you had the best price on Suzuki SX4 insurance in Philadelphia on your last policy you can probably find a lower rate today. There is lot of inaccurate information about SX4 insurance on the web, but you can learn some solid techniques on how to quit paying high insurance rates in Philadelphia.

Four Tips to Get More Affordable Philadelphia Insurance Premiums

Many things are part of the calculation when premium rates are determined. Most are fairly basic such as traffic violations, but other factors are less obvious like where you live or how financially stable you are.

Listed below are a partial list of the pieces companies use to determine prices.

  • Drivers with good credit save - An insured's credit history is a large factor in determining premium rates. So if your credit history is low, you could save money insuring your Suzuki SX4 by taking the time to improve your credit score. Insureds that have high credit ratings tend to be better drivers and file fewer claims as compared to drivers with poor credit scores.
  • Gender as a rate factor - The statistics show women are more cautious behind the wheel. That doesn't necessarily mean that women are BETTER drivers than men. Both sexes get in at-fault accidents at about the same rate, but guys tend to have more serious accidents. Men also tend to have more aggressive citations such as DWI and reckless driving. Young men ages 16 to 20 generally have the highest accident percentage and therefore pay the highest rates.

    The illustration below illustrates the difference between Suzuki SX4 annual premium costs for male and female drivers. The premiums assume no claims, a clean driving record, full coverage, $250 deductibles, single status, and no policy discounts are applied.

  • Prevent theft and save - Buying a car with an alarm system can help lower your rates. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop your car from being stolen.
  • Prices and occupation - Did you know your occupation can influence how much you pay for auto insurance? Careers such as military personnel, air traffic controllers, and dentists tend to have the highest rates due to stressful work requirements and incredibly demanding work hours. Conversely, occupations such as scientists, historians and the unemployed receive lower rates.

When shopping for Suzuki SX4 insurance in Philadelphia there are multiple ways of comparing price quotes from insurance companies in your area. The easiest way by far to find competitive Suzuki SX4 insurance rates is to perform an online rate comparison.

Getting free quotes online is quite simple, and it makes it obsolete to drive around to insurance agencies in your area. Quoting and buying Suzuki SX4 insurance online eliminates the middleman unless your situation requires the professional advice of an agent trained in personal lines coverage. Although you can compare the best prices online but have your policy serviced through an agent. It's important to know that comparing a wide range of rates helps you find lower pricing.

The providers in the list below offer free quotes in Philadelphia, PA. If multiple companies are shown, we suggest you visit as many as you can to get the best price comparison.

Suzuki SX4 insurance rate analysis

The table shown below highlights different insurance premium costs for Suzuki SX4 models. Being more informed about how insurance prices are established is important for drivers to make smart choices when comparing insurance quotes.

Suzuki SX4 Insurance Rates in Philadelphia, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SX4 LE $212 $484 $428 $26 $128 $1,278 $107
SX4 2WD $244 $398 $428 $26 $128 $1,224 $102
SX4 Sport S $244 $570 $428 $26 $128 $1,396 $116
SX4 Sport SE $244 $570 $428 $26 $128 $1,396 $116
SX4 Technology 2WD $244 $484 $428 $26 $128 $1,310 $109
SX4 Sportback 2WD $244 $484 $428 $26 $128 $1,310 $109
SX4 AWD AWD $244 $484 $428 $26 $128 $1,310 $109
SX4 Sport GTS $244 $570 $428 $26 $128 $1,396 $116
SX4 Technology AWD $276 $484 $428 $26 $128 $1,342 $112
SX4 Touring AWD $276 $484 $428 $26 $128 $1,342 $112
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rates do not factor in Philadelphia location which can affect premium rates considerably.

Analysis of deductible levels

One of the most common auto insurance questions is which deductibles should you choose. The rates shown below can help you understand the price difference between high and low physical damage coverage deductibles. The first pricing table uses a $100 deductible for comp and collision and the second price chart uses a $500 deductible.

Suzuki SX4 insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SX4 LE $246 $512 $330 $20 $98 $1,231 $103
SX4 2WD $284 $420 $330 $20 $98 $1,177 $98
SX4 Sport S $284 $602 $330 $20 $98 $1,359 $113
SX4 Sport SE $284 $602 $330 $20 $98 $1,359 $113
SX4 Technology 2WD $284 $512 $330 $20 $98 $1,269 $106
SX4 Sportback 2WD $284 $512 $330 $20 $98 $1,269 $106
SX4 AWD AWD $284 $512 $330 $20 $98 $1,269 $106
SX4 Sport GTS $284 $602 $330 $20 $98 $1,359 $113
SX4 Technology AWD $320 $512 $330 $20 $98 $1,305 $109
SX4 Touring AWD $320 $512 $330 $20 $98 $1,305 $109
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Suzuki SX4 insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SX4 LE $180 $346 $330 $20 $98 $974 $81
SX4 2WD $206 $284 $330 $20 $98 $938 $78
SX4 Sport S $206 $408 $330 $20 $98 $1,062 $89
SX4 Sport SE $206 $408 $330 $20 $98 $1,062 $89
SX4 Technology 2WD $206 $346 $330 $20 $98 $1,000 $83
SX4 Sportback 2WD $206 $346 $330 $20 $98 $1,000 $83
SX4 AWD AWD $206 $346 $330 $20 $98 $1,000 $83
SX4 Sport GTS $206 $408 $330 $20 $98 $1,062 $89
SX4 Technology AWD $234 $346 $330 $20 $98 $1,028 $86
SX4 Touring AWD $234 $346 $330 $20 $98 $1,028 $86
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Estimates do not factor in specific zip code location which can lower or raise rates greatly.

Based on this data, using a $100 deductible costs approximately $23 more each month or $276 annually than choosing the higher $500 deductible. Since the policyholder would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you average at a minimum 17 months between claims, you would probably save some money going with the higher deductible.

How to determine if higher deductibles are a good idea

Average monthly premium for $100 deductibles: $108
Average monthly premium for $500 deductibles (subtract): - $85
Monthly savings from raising deductible: $23
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $23
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One important issue to know is that a higher deductible means you pay more out-of-pocket when you do file a claim. You need to have access to more funds in the event you have to pay the higher deductible.

Insuring your vehicle just makes sense

Despite the high cost, paying for insurance is required in Pennsylvania but also provides important benefits.

  • Most states have minimum mandated liability insurance limits which means state laws require a minimum amount of liability insurance in order to be legal. In Pennsylvania 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 SX4 with a loan, almost every bank will require that you have full coverage to ensure they get paid if you total the vehicle. If the policy lapses, the lender may insure your Suzuki at a significantly higher premium and force you to reimburse them much more than you were paying before.
  • Insurance protects both your assets and your vehicle. Insurance will also pay for medical expenses that are the result of an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if you are sued as the result of your driving. If you have damage to your Suzuki as the result of the weather or an accident, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.

The benefits of buying insurance greatly outweigh the cost, specifically if you ever have a liability claim. The average driver in Pennsylvania overpays more than $800 each year so compare quotes from several companies at every renewal to help ensure money is not being wasted.

Auto insurance policy discounts you can't miss

Companies don't list all discounts in an easy-to-find place, so the next list breaks down a few of the more well known and the more hidden discounts that may be available.Save money with discounts

  • Early Payment Discounts - If paying your policy premium upfront as opposed to paying monthly you can avoid the installment charge.
  • Drivers Education - Require your teen driver to successfully complete driver's ed class as it will make them better drivers and lower rates.
  • Discounts for New Vehicles - Buying a new car instead of a used SX4 may earn a small discount compared to insuring an older model.
  • Good Student - Getting good grades can earn a discount of 20% or more. The discount lasts up to age 25.
  • ABS Braking Discount - Vehicles with anti-lock braking systems have fewer accidents and qualify for as much as a 10% discount.

It's important to understand that many deductions do not apply to the entire cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. Just because you may think it's possible to get free car insurance, company stockholders wouldn't be very happy.

The diagram below shows the difference between Suzuki SX4 insurance premiums with and without discounts. The data assumes a female driver, no accidents, no driving violations, Pennsylvania state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, homeowner, claim-free, safe-driver, and multi-car discounts applied.

Large auto insurance companies and a partial list of their discounts are detailed below.

  • 21st Century may have discounts that include student driver, early bird, 55 and older, defensive driver, air bags, and theft prevention.
  • State Farm includes discounts for multiple autos, student away at school, good driver, driver's education, Drive Safe & Save, Steer Clear safe driver discount, and multiple policy.
  • AAA has savings for AAA membership discount, anti-theft, education and occupation, pay-in-full, multi-car, good student, and good driver.
  • Liberty Mutual discounts include exclusive group savings, multi-car, new graduate, teen driver discount, newly married, and good student.
  • Progressive offers discounts for online signing, online quote discount, multi-vehicle, multi-policy, homeowner, continuous coverage, and good student.

If you are trying to find affordable Suzuki SX4 insurance quotes, ask each insurance company to apply every possible discount. Savings may not apply to policies in Philadelphia. For a list of auto insurance companies with the best discounts in Pennsylvania, click here.

Auto insurance agents can help

Some consumers still prefer to have an agent's advice. One of the benefits of comparing rates online is the fact that drivers can get the lowest rates but also keep your business local.

Once you complete this quick form, your insurance coverage information is sent to local insurance agents in Philadelphia who will give you quotes for your coverage. It simplifies rate comparisons since you won't have to contact an agency since rate quotes are delivered instantly to you. Get lower rates without requiring a lot of work. If you wish to quote rates from a particular provider, you can always find their quoting web page and complete a quote there.

Choosing an provider should depend on more than just the price. Ask your prospective agent these questions:

  • Do they make recommendations based only on price?
  • Are aftermarket or OEM parts used to repair vehicles?
  • If they are an independent agency in Philadelphia, which companies do they recommend?
  • Does the company have a local claim office in Philadelphia?
  • Are they in the agency full-time?

Not all car insurance agents are the same

When looking for a local Philadelphia insurance agency, it's important to understand the different types of agencies and how they can write your policy. Car insurance policy providers are either exclusive or independent agents depending on their company appointments.

Exclusive Agents

These agents normally can only provide a single company's rates and examples are American Family, State Farm, and AAA. These agents are not able to place coverage with different providers so if the price isn't competitive there isn't much they can do. Exclusive agents are well schooled on their products and sales techniques and that can be a competitive advantage.

Shown below are Philadelphia exclusive insurance agencies willing to provide price quote information.

7005 Bustleton Ave - Philadelphia, PA 19149 - (215) 332-9000 - View Map

456 E Girard Ave - Philadelphia, PA 19125 - (215) 739-0800 - View Map

1124 S Broad St - Philadelphia, PA 19146 - (215) 875-8100 - View Map

View more Philadelphia agents

Independent Car Insurance Agents

These agents can sell policies from many different companies so they can insure your vehicles through many companies and help determine which has the cheapest rates. If prices rise, your agent can just switch to a different company and the insured can keep the same agent.

When shopping rates, it's recommended you compare quotes from several independent agencies in order to compare the most rates.

Shown below is a list of independent insurance agencies in Philadelphia who can help you get rate quotes.

2704 Street Rd - Bensalem, PA 19020 - (215) 891-9990 - View Map

2707 Kirkbride St - Philadelphia, PA 19137 - (215) 744-4100 - View Map

231 St Asaphs Rd #100 - Bala Cynwyd, PA 19004 - (610) 617-7900 - View Map

View more Philadelphia agents

After talking to the agent and getting good responses to your questions as well as a affordable price, you've probably found an insurance agency that meets the requirements to insure your vehicles.

Keep this in mind when shopping around

The cheapest Suzuki SX4 insurance in Philadelphia is attainable from both online companies as well as from independent agents in Philadelphia, so you should compare both to have the best rate selection. Some companies do not provide online rate quotes and most of the time these small insurance companies work with independent agencies.

You just read many ideas to lower your Suzuki SX4 insurance prices in Philadelphia. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. Drivers may even discover the biggest savings come from the smaller companies. Regional companies can often provide lower rates in certain areas than their larger competitors like Allstate, GEICO and Progressive.

When you buy Philadelphia car insurance online, it's very important that you do not reduce needed coverages to save money. Too many times, an accident victim reduced full coverage and discovered at claim time that the savings was not a smart move. Your objective should be to get the best coverage possible at the lowest possible cost and still be able to protect your assets.

Much more information about car insurance in Pennsylvania can be read at these links: