Suzuki Equator Insurance Rates in Sacramento

Shockingly, 70% of consumers kept their coverage with the same car insurance company for a minimum of four years, and nearly 40% of drivers have never shopped around. Sacramento consumers can save hundreds of dollars each year just by getting comparison quotes, but they won’t spend time to shop their coverage around.

If saving money is your primary concern, then the best way to find discount Suzuki Equator insurance in Sacramento is to make a habit of regularly comparing prices from insurance carriers in California.

• Step 1: It will benefit you to learn about what is in your policy and the changes you can make to keep rates low. Many rating criteria that result in higher rates like accidents, traffic tickets, and an unacceptable credit history can be controlled by making minor changes in your lifestyle.
• Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like Progressive or Farmers Insurance, while independent agents can give you price quotes from multiple insurance companies.
• Step 3: Compare the new rate quotes to your existing coverage to see if a cheaper price is available in Sacramento. If you find a lower rate quote and change companies, ensure coverage does not lapse between policies.
• Step 4: Provide written notification to your current company of your intent to cancel your current car insurance policy and submit a completed policy application and payment to the newly selected company. Be sure to store the certificate of insurance somewhere easily accessible.

One thing to point out is to try to compare the same coverage limits and deductibles on every quote request and and to look at as many companies as feasibly possible. This ensures a level playing field and maximum price selection.

Analysis of Suzuki Equator rates

The price information shown next covers a range of insurance costs for Suzuki Equator models. Having knowledge of how insurance quotes are determined is important to be able to make decisions on which insurance to purchase.

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in specific location information which can decrease or increase prices greatly.

Physical damage deductibles

A question often asked by Sacramento drivers is how low should you set your deductibles. The following tables sum up the differences in premium rates between high and low comp and collision deductibles. The first pricing table uses a $250 deductible and the second price grid uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Estimates do not factor in specific location information which can raise or lower premiums considerably.

Using the data above, we can ascertain that using a $250 deductible would cost the average driver about $17 more each month or $204 each year than quoting the higher $500 deductible. Due to the fact that you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you go more than 15 months between claims, you would save more money if you choose the higher deductible.

Difference between liability only and full coverage rates

The information below compares Suzuki Equator yearly insurance costs with full physical damage coverage compared to only buying liability only. The premiums are based on no violations or claims, $250 deductibles, drivers are not married, and no discounts are applied to the premium.

Deciding between full coverage and liability only

There is no set rule of when to stop paying for physical damage coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than around 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.

For example, let’s say your Suzuki Equator replacement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $2,000 after you pay the deductible. If it’s costing in excess of $200 a year for your policy with full coverage, then you may need to consider dropping full coverage.

There are some cases where buying only liability insurance is not advised. If you still have a loan on your vehicle, you have to maintain full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.

Lower Your Sacramento Insurance Prices

One of the most helpful ways to save on auto insurance is to to have a grasp of the rating factors that go into determining your policy premiums. When you know what positively or negatively controls the rates you pay, this enables informed choices that will entitle you to lower rates. Lots of factors are part of the equation when premium rates are determined. Some are obvious like an MVR report, but some are more transparent like where you live or your vehicle rating.

The following are just a few of the factors companies use to determine your premiums.

• Lower rates for married couples – Getting married helps lower the price on your policy. Having a spouse usually means you are more mature and it’s proven that married couples file fewer claims.
• Too many claims drive up premiums – If you tend to file frequent claims, don’t be surprised to see higher rates. Companies in California award discounts to people who do not rely on their insurance for small claims. Your car insurance is intended for larger claims.
• Prices impacted by your city – Choosing to live in a rural area can be a good thing if you are looking for the lowest rates. Fewer drivers corresponds to lower accident rates and lower theft and vandalism rates. Residents of big cities have to deal with more road rage incidents and a longer drive to work. More time on the road translates into higher accident risk.
• Safer cars mean better prices – Cars with five star safety ratings tend to have lower insurance rates. Safe vehicles have better occupant injury protection and fewer injuries means lower claim amounts and thus lower rates.

• With age comes responsibility – Teenage drivers in California are proven to be inattentive in a vehicle and because of this, their auto insurance rates are much higher. Older insureds are proven to be safer behind the wheel, are lower risk to insure, and get fewer tickets.

  The following data is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.

• Vocation impacts rates – Occupations such as fire fighters, executives, and accountants usually pay the highest rates due to stressful work requirements and lengthy work days. Conversely, careers such as actors, historians and the unemployed pay lower than average rates.
• Allowing your coverage to lapse raises prices – Driving your car without having proper coverage is illegal and you will pay a penalty because you let your insurance lapse for non-payment. And not only will your rates increase, failure to provide proof of insurance could result in a hefty fine and possibly a revoked license.

Ratings for Sacramento auto insurance companies

Picking a good quality car insurance company can be a challenge considering how many different insurance companies sell coverage in California. The information listed below may help you choose which companies to look at purchasing coverage from.

Top 10 Sacramento Car Insurance Companies by A.M. Best Rank

1. USAA – A++
2. Travelers – A++
3. State Farm – A++
4. GEICO – A++
5. Esurance – A+
6. Nationwide – A+
7. Allstate – A+
8. Mercury Insurance – A+
9. Progressive – A+
10. Titan Insurance – A+

Top 10 Sacramento Car Insurance Companies Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA of Southern California – 92%
4. AAA Insurance – 91%
5. Nationwide – 90%
6. State Farm – 90%
7. The Hartford – 89%
8. GEICO – 89%
9. The General – 88%
10. 21st Century – 88%

Smart shoppers get results

We just presented many ways to get a better price on Suzuki Equator insurance in Sacramento. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may even find the most savings is with an unexpected company. These companies may have significantly lower rates on certain market segments compared to the large companies like Progressive or GEICO.

Low-cost Suzuki Equator insurance in Sacramento is available from both online companies as well as from independent agents in Sacramento, so get free Sacramento auto insurance quotes from both of them to get a complete price analysis. A few companies may not have rates over the internet and usually these regional carriers only sell through independent agencies.

Helpful information

• Auto Insurance FAQ (Farmers Insurance)
• Who Has Affordable Sacramento Car Insurance Rates for Police Officers? (FAQ)
• Who Has Cheap Auto Insurance for Government Employees in Sacramento? (FAQ)
• How Much is Sacramento Auto Insurance for Unemployed Drivers? (FAQ)
• Who Has Affordable Sacramento Auto Insurance Quotes for Veterans? (FAQ)
• Young Drivers: The High Risk Years Video (iihs.org)
• Child Safety Seats (Insurance Information Institute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)