Cheapest Suzuki SX4 Insurance in Louisville

It’s safe to assume that insurance companies don’t want you to look at other companies. Consumers who get comparison quotes at least once a year are highly likely to buy a new policy because they have a good chance of finding lower rate quotes. Surprisingly, a recent survey revealed that drivers who make a habit of shopping around saved approximately $865 annually as compared to drivers who didn’t regularly shop around.

If finding the best price on insurance is your goal, then knowing the best way to quote and compare cheaper coverage can help simplify the process.

If you want to save money, the best way to find affordable quotes for Suzuki SX4 insurance in Louisville is to compare quotes once a year from insurers in Kentucky.

Step 1: Take a few minutes and learn about car insurance and the steps you can take to prevent high rates. Many risk factors that cause rate increases such as traffic violations and an imperfect credit score can be remedied by making lifestyle changes or driving safer.

Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from a single company like Progressive or State Farm, while independent agencies can give you price quotes from multiple insurance companies.

Step 3: Compare the new quotes to the price on your current policy to see if switching to a new carrier will save money. If you can save some money, make sure the effective date of the new policy is the same as the expiration date of the old one.

Step 4: Notify your agent or company to cancel your current car insurance policy. Submit a completed application and payment for your new coverage. Don’t forget to put the new proof of insurance paperwork in your vehicle’s glove compartment or console.

A good tip to remember is that you use similar limits and deductibles on every quote and and to get rates from as many different companies as possible. This helps ensure a fair price comparison and the most accurate and complete price analysis.

Why Your Insurance Prices might be higher

Lots of things are taken into consideration when you quote your car insurance policy. Some of the criteria are obvious such as your driving record, although some other factors are less obvious like your vehicle usage or your commute time.

High deductibles save money – Comprehensive and collision coverage deductibles are the amount of money the insured will be required to pay before your car insurance pays a claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered are collision with another vehicle, fire damage, and damage from wind. The more money the insured has to pay upfront, the less your company will charge you for insurance.

Frequent car insurance claims increase rates – Insurance companies in Kentucky give lower rates to people that do not abuse their auto insurance. If you file a lot of claims you can look forward to increased rates or even have your policy non-renewed. Insurance coverage is meant to be used in the event of claims that you cannot pay yourself.

Credit rating impacts premium rates – Credit rating is a big factor in determining what you pay for car insurance. Insureds with good credit tend to be more responsible than drivers with bad credit. So if your credit is lower than you’d like, you may save money insuring your Suzuki SX4 by improving your credit score.

Guys tend to take more risk – Statistics show that men are more aggressive behind the wheel. This data doesn’t prove that females are better at driving than males. Females and males cause fender benders at a similar rate, but men tend to have higher claims. Men also tend to get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly.

The information below illustrates the difference between Suzuki SX4 insurance costs for male and female drivers. The data assumes no claims or driving citations, full physical damage coverage, $1,000 deductibles, single status, and no additional discounts are factored in.

Tickets and citations cost more than a fine – Your driving citation history has a lot to do with how much you pay for insurance. Careful drivers pay less for auto insurance than people who have multiple driving citations. Even one speeding ticket or other violation can increase rates by as much as thirty percent. People who have dangerous violations such as DWI, reckless driving or hit and run convictions might be required by their state to prove financial responsibility with their state motor vehicle department in order to prevent their license from being revoked.

The diagram below shows how speeding tickets and at-fault fender-benders can influence Suzuki SX4 yearly insurance costs for each age group. The premiums assume a single female driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.

The companies in the list below can provide quotes in Louisville, KY. To find the best cheap auto insurance in KY, we recommend you get price quotes from several of them to get the best price comparison.

Insurance rate breakdown

The table displayed next highlights detailed analysis of policy rates for Suzuki SX4 models. Learning a little about how insurance policy rates are formulated can be of help when making informed decisions when comparing rates.

Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kentucky minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Premium amounts do not factor in garaging location in Louisville which can influence coverage rates noticeably.

Rate comparison for different deductibles

When comparing car insurance rates, the most common question is how high should the physical damage deductibles be. The rates shown below sum up the cost difference when you choose different physical damage coverage deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second price grid uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Premium costs do not factor in specific location information which can change price quotes noticeably.

Based on the data above, we can derive that using a $250 deductible will cost you approximately $13 more each month or $156 every year than buying the higher $500 deductible. Since the policyholder would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 19 months between claims, you would save money by going with a higher deductible.

Full coverage versus liability only rates

The example below shows the comparison of Suzuki SX4 car insurance costs with full coverage compared to only the Kentucky minimum liability coverage. The premium estimates are based on a clean driving record, no at-fault accidents, $1,000 deductibles, single marital status, and no additional discounts are factored in.

Are you wasting money paying for full coverage?

There is no definitive guideline of when to stop paying for physical damage coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

For example, let’s pretend your Suzuki SX4 settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $6,000 after paying your policy deductible. If you are paying in excess of $600 annually for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.

There are a few cases where only buying liability is not in your best interest. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not drop full coverage.

Insurance is not optional in Kentucky

Even though it’s not necessarily cheap to insure a Suzuki in Louisville, buying insurance serves a purpose in several ways.

• The majority of states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability protection in order to drive the car. In Kentucky these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your Suzuki SX4 has a lienholder, almost every bank will make it a condition of the loan that you have insurance to protect their interest in the vehicle. If coverage lapses or is canceled, the bank may buy a policy for your Suzuki at an extremely high rate and require you to pay for it.
• Insurance protects both your car and your assets. Insurance will pay for medical bills for both you and anyone you injure as the result of an accident. Liability insurance also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, your policy will pay to restore your vehicle to like-new condition.

The benefits of insuring your car more than cancel out the cost, especially when you need to use it. As of last year, the average driver in Kentucky is overpaying over $750 every year so smart consumers compare quotes at every renewal to ensure rates are inline.

You may qualify for discounts for Suzuki SX4 insurance in Louisville

Insurance can cost an arm and a leg, but you can get discounts that many people don’t even know exist. A few discounts will be applied when you get a quote, but a few must be specifically requested before you will receive the discount.

• Safe Drivers – Insureds who avoid accidents may receive a discount up to 45% as compared to drivers with claims.
• Smart Student Discounts – Being a good student may save as much as 25% on a Louisville car insurance quote. This discount can apply up until you turn 25.
• Save over 55 – Mature drivers can get lower premium rates.
• Early Signing – A few car insurance companies allow discounts for buying a new policy before your current expiration date. This discount can save up to 10%.
• Government Employee Discount – Employees or retirees of the government can earn a discount up to 10% with a few car insurance companies.
• Discount for Life Insurance – Larger car insurance companies have a lower rate if you buy life insurance from them.
• Telematics Discount – People who choose to allow data collection to look at driving habits by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates if they exhibit good driving behavior.
• Own a Home – Being a homeowner may trigger a policy discount on car insurance due to the fact that maintaining a home is proof of financial responsibility.
• Multi-policy Discount – When you have multiple policies with the same company you may save over 10 percent off each policy depending on the company.
• Save with a New Car – Adding a new car to your policy can get you a discount compared to insuring an older model.

As is typical with insurance, most discount credits are not given to the overall cost of the policy. Most cut individual premiums such as comp or med pay. So despite the fact that it appears it’s possible to get free car insurance, it just doesn’t work that way. Any amount of discount will bring down your overall bill.

The example below shows the comparison of Suzuki SX4 yearly insurance costs with and without discounts applied to the rates. The data is based on a male driver, no accidents, no driving violations, Kentucky state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, homeowner, claim-free, safe-driver, and marriage discounts applied.

A few of the larger companies and their offered discounts are shown below.

• GEICO offers discounts for multi-vehicle, daytime running lights, anti-lock brakes, anti-theft, seat belt use, and federal employee.
• MetLife may have discounts that include multi-policy, accident-free, claim-free, good driver, and defensive driver.
• State Farm discounts include multiple policy, student away at school, anti-theft, safe vehicle, Drive Safe & Save, Steer Clear safe driver discount, and driver’s education.
• Progressive policyholders can earn discounts including online signing, online quote discount, continuous coverage, multi-policy, homeowner, good student, and multi-vehicle.
• Mercury Insurance may offer discounts for age of vehicle, annual mileage, multi-car, accident-free, type of vehicle, professional/association, and low natural disaster claims.
• 21st Century may include discounts for automatic seat belts, 55 and older, air bags, driver training, student driver, and anti-lock brakes.
• Allstate includes discounts for utility vehicle, auto/life discount, early signing, premier discount, farm vehicle, resident student, and multi-policy.

When quoting, ask every company how you can save money. All car insurance discounts may not be available in Louisville.

When should I contact a local insurance agent?

Some people just prefer to visit with an insurance agent and that is recommended in a lot of cases Professional insurance agents are trained risk managers and help submit paperwork. An additional benefit of price shopping on the web is you can get lower rates and still have an agent to talk to. Putting coverage with local agents is important especially in Louisville.

For easy comparison, once you complete this short form, your information is submitted to companies in Louisville that provide free Louisville car insurance quotes for your insurance coverage. You won’t need to contact any insurance agencies as quotes are delivered instantly to you. If you want to compare rates for a specific company, don’t hesitate to navigate to their website and complete a quote there.

The following is a list of car insurance companies in Louisville who can help you get rate quotes for Suzuki SX4 insurance in Louisville.

• Greg Vincent – State Farm Insurance Agent
  167 S English Station Rd – Louisville, KY 40245 – (502) 245-3227 – View Map
• Grant Insurance Agency, LLC
  13000 Equity Pl #201 – Louisville, KY 40223 – (502) 254-3332 – View Map
• Troy Coulter – State Farm Insurance Agent
  4906 Outer Loop – Louisville, KY 40219 – (502) 964-2002 – View Map
• Dolack Insurance Agency Inc.
  4050 Westport Rd – Louisville, KY 40207 – (502) 333-0577 – View Map

More insurance agents

Finding the right insurer requires more thought than just the price. These are some valid questions you should ask.

• Does the agency have a positive business rating?
• Do they specialize in personal lines coverage in Louisville?
• Are they full-time agents?
• Are they able to influence company decisions when a claim is filed?
• How much can you save by raising your physical damage deductibles?

Upon receiving good answers to any questions you have as well as offering an affordable quote, chances are good that you have found an insurance company that meets the criteria to provide insurance coverage. Just be aware that it’s your policy and you can cancel coverage when you choose so never feel that you’re stuck with any specific company indefinitely.

Special considerations

When selecting coverage, there really isn’t a best way to insure your cars. Your needs are unique to you.

These are some specific questions might point out if your insurance needs may require specific advice.

• Is motorclub coverage worth it?
• Should I bundle my homeowners policy with my auto?
• When does my teenage driver need to be added to my policy?
• If my pet gets injured in an accident are they covered?
• Am I insured when driving a different vehicle?
• Is a driver training discount available?
• What discounts do I qualify for?
• Do I need medical payments coverage since I have good health insurance?
• Do I need special endorsements for business use of my vehicle?
• Is upholstery damage covered by car insurance?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Find cheap rates by comparing often

Lower-priced Suzuki SX4 insurance in Louisville is definitely available both online and with local Louisville insurance agents, so you need to quote Louisville car insurance with both to have the best selection. There are still a few companies who may not offer the ability to get quotes online and usually these regional carriers prefer to sell through independent insurance agents.

You just learned some good ideas how to find cheaper Suzuki SX4 insurance in Louisville. The key thing to remember is the more you quote Louisville car insurance, the higher your chance of finding inexpensive Louisville car insurance quotes. Drivers may even discover the most savings is with a smaller regional carrier.

Drivers switch companies for any number of reasons including policy cancellation, lack of trust in their agent, delays in responding to claim requests and even poor customer service. It doesn’t matter what your reason, switching companies is less work than it seems.

Additional information

• Speed and Speed Limit FAQ (iihs.org)
• Who Has Cheap Auto Insurance for Postal Workers in Louisville? (FAQ)
• What Insurance is Cheapest for High Risk Drivers in Louisville? (FAQ)
• Who Has the Cheapest Car Insurance for Drivers Over Age 70 in Louisville? (FAQ)
• State Car Insurance Guides (GEICO)
• Auto Theft Statistics (Insurance Information Institute)
• Preventing Carjacking and Theft (Insurance Information Institute)
• Smart Auto Insurance Tips (Insurance Information Institute)