How many times have you put off comparing quotes for cheaper car insurance rates in Fresno, CA? Fresno buyers have many options when searching for the best price on Suzuki SX4 insurance. They can either waste time struggling with agents to compare prices or utilize the internet to get rate quotes. There are more efficient ways to find car insurance online so we’re going to tell you the best way to get price quotes for a Suzuki and obtain the best price possible from both online companies and Fresno agents.
Surprisingly, a recent survey revealed that the vast majority of car insurance customers renewed their policy with the same company for over three years, and practically 40% of car insurance customers have never compared quotes from other companies. Fresno drivers can save about $500 each year, but they just don’t want to save money by comparing rate quotes.
The majority of larger companies provide insurance quotes from their websites. Doing online quotes for Suzuki SX4 insurance in Fresno doesn’t take a lot of time because you just enter the coverages you want as detailed in the form. After the form is submitted, the system gets information on your driving record and credit history and provides a quote based on the information you submitted.
The ability to get online rates for Suzuki SX4 insurance in Fresno makes it simple to compare prices and it’s necessary to get many rate quotes if you are searching for the lowest possible payments on auto insurance.
To save time and use this form to compare rates, check out the auto insurance providers below. If you have a policy now, it’s recommended you replicate coverages and limits as shown on your current policy. Using the same limits helps guarantee you will have comparison quotes for exact coverage.
The companies in the list below offer price comparisons in California. If multiple companies are listed, it’s highly recommended you visit two to three different companies to get the most competitive price.
Detailed insurance information
The rate table displayed below covers different insurance costs for Suzuki SX4 models. Understanding more about how insurance premiums are established is important for making decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| SX4 LE | $168 | $332 | $456 | $26 | $136 | $1,118 | $93 |
| SX4 2WD | $192 | $274 | $456 | $26 | $136 | $1,084 | $90 |
| SX4 Sport S | $192 | $392 | $456 | $26 | $136 | $1,202 | $100 |
| SX4 Sport SE | $192 | $392 | $456 | $26 | $136 | $1,202 | $100 |
| SX4 Technology 2WD | $192 | $332 | $456 | $26 | $136 | $1,142 | $95 |
| SX4 Sportback 2WD | $192 | $332 | $456 | $26 | $136 | $1,142 | $95 |
| SX4 AWD AWD | $192 | $332 | $456 | $26 | $136 | $1,142 | $95 |
| SX4 Sport GTS | $192 | $392 | $456 | $26 | $136 | $1,202 | $100 |
| SX4 Technology AWD | $216 | $332 | $456 | $26 | $136 | $1,166 | $97 |
| SX4 Touring AWD | $216 | $332 | $456 | $26 | $136 | $1,166 | $97 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Estimates do not factor in vehicle location which can influence auto insurance rates significantly.
Physical damage deductibles: Should you raise them?
One of the hardest decisions when shopping for auto insurance is which comprehensive and collision deductibles to buy. The comparisons below summarize the price difference when you choose different coverage deductibles. The first price estimate table uses a $250 deductible and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| SX4 LE | $298 | $576 | $442 | $26 | $132 | $1,499 | $125 |
| SX4 2WD | $342 | $472 | $442 | $26 | $132 | $1,439 | $120 |
| SX4 Sport S | $342 | $678 | $442 | $26 | $132 | $1,645 | $137 |
| SX4 Sport SE | $342 | $678 | $442 | $26 | $132 | $1,645 | $137 |
| SX4 Technology 2WD | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| SX4 Sportback 2WD | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| SX4 AWD AWD | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| SX4 Sport GTS | $342 | $678 | $442 | $26 | $132 | $1,645 | $137 |
| SX4 Technology AWD | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| SX4 Touring AWD | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| Get Your Own Custom Quote Go | |||||||
| 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 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Price information does not factor in garaging location in Fresno which can revise premium rates substantially.
Using the data above, we can ascertain that using a $250 deductible costs approximately $17 more each month or $204 each year than requesting the higher $500 deductible. Since the policyholder would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you have at least 15 months between claims, you would more than likely save some money if you elect the higher deductible.
How to calculate if higher deductibles make sense
| Average monthly premium for $250 deductibles: | $131 |
| Average monthly premium for $500 deductibles (subtract): | – $114 |
| Monthly savings from raising deductible: | $17 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $17 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 15 months |
An important thing to remember is that raising deductibles results in more money out-of-pocket when you have to file a claim. You need to make sure you have enough extra savings in the event you have to pay the higher deductible.
Irresponsible driving raises your rates
The chart below illustrates how violations and accident claims influence Suzuki SX4 insurance costs for different age categories. The premium estimates are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.
Should you buy full coverage?
The chart below illustrates the comparison of Suzuki SX4 insurance costs with and without full coverage. The costs are based on no claims or driving violations, $250 deductibles, marital status is single, and no additional discounts are factored in.
When to stop buying physical damage coverage
There isn’t a steadfast formula that is best for determining when to drop full coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is more than around 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.
For example, let’s assume your Suzuki SX4 claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company will settle for is $5,000 after paying your policy deductible. If it’s costing you more than $500 a year to have full coverage, then it could be time to drop full coverage.
There are some circumstances where removing full coverage is not advised. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.
Don’t assume everyone needs the same car insurance coverage
Always remember that when buying coverage online or from an agent for your vehicles, there is no best way to insure your cars. Every insured’s situation is different so your insurance should reflect that
These are some specific questions may help highlight if your insurance needs may require specific advice.
- What vehicles should carry emergency assistance coverage?
- When do I need to add a new car to my policy?
- Do I need PIP coverage since I have good health insurance?
- Can good grades get a discount?
- Why do I only qualify for high-risk insurance?
- Is my teen driver covered when they drive my company car?
- Should I buy additional glass protection?
- Does my car insurance cover rental cars?
- What are the best liability limits?
- Why are teen drivers so expensive to add on to my policy?
If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It is quick, free and can help protect your family.
Auto insurance quotes from neighborhood Fresno auto insurance agents
Many people prefer to buy from a local agent and doing so can bring peace of mind Most agents can help you choose the best coverages and help file insurance claims. A nice benefit of comparing auto insurance online is the fact that you can find the best rates and also buy local.
To find an agent, once you fill out this simple form, your insurance data is submitted to local insurance agents who will gladly provide quotes for your auto insurance coverage. There is no reason to do any legwork due to the fact that quote results will go immediately to you. In the event you want to compare prices from a specific company, feel free to navigate to their website and complete a quote there.
Picking an insurer requires you to look at more than just the price. These questions are important to ask:
- Did they already check your driving record and credit reports?
- Will they make sure you get an adequate claim settlement?
- Are they able to provide referrals?
- How long have they worked with personal auto insurance coverage?
- Do they get extra compensation for selling add-on coverages?
- Are they actively involved in the community?
Pick the best auto insurance agent in Fresno for you
If you are wanting to purchase auto insurance from a local Fresno insurance agency, it’s important to understand the types of insurance agents and how they function. Insurance agencies in Fresno may be either independent agents or exclusive agents. Both can sell and service auto insurance coverage, but we need to point out the differences because it can impact buying decisions.
Exclusive Insurance Agencies
These type of agents generally can only insure with one company and some examples include State Farm, Allstate and AAA. They are unable to shop your coverage around so they are skilled at selling on more than just price. Exclusive insurance agents are usually well trained in insurance sales which helps them compete with independent agents. Some people will only buy from exclusive agents mostly because of the prominent brand name and the convenience of having all coverages with one company.
Listed below is a list of exclusive insurance agencies in Fresno that can give you price quotes.
- Farmers Insurance – Belen Sanchez-Ceja
2155 N Fresno St #A – Fresno, CA 93703 – (559) 252-2345 – View Map - Kurt Sieve – State Farm Insurance Agent
1177 N Willow Ave Suite 102 – Clovis, CA 93611 – (559) 900-7908 – View Map - Allstate Insurance: Patricia Pearson
5755 E Kings Canyon Rd Ste 106 – Fresno, CA 93727 – (559) 255-1861 – View Map
Independent Agents
Independent agencies are not employed by any specific company and that enables them to quote your coverage with an assortment of companies and find you the best rates. If premiums increase, the agent simply finds a different carrier which makes it simple for you.
When comparison shopping, we highly recommend that you include price quotes from multiple independent agents to have the best price comparison. Most have the option of insuring with additional companies that you may not be familiar with that may provide cheaper auto insurance rates.
Listed below are independent insurance agencies in Fresno that are able to give rate quotes.
- New Horizon Insurance
3039 W Ashlan Ave – Fresno, CA 93726 – (559) 244-6644 – View Map - New Horizon Insurance Services
325 Clovis Ave #114 – Clovis, CA 93612 – (559) 322-2525 – View Map - Schramm Insurance
964 Pollasky Ave b – Clovis, CA 93612 – (559) 323-0333 – View Map