Do you want an efficient way to compare low-cost Suzuki Equator insurance in Houston? Wish you could get out of high-priced Suzuki Equator insurance in Houston? It’s quite common and there are many people just like you.
It’s hard to believe, but nearly 70% of customers kept their policy with the same company for at least four years, and just under half have never even shopped around for lower-cost coverage. With the average auto insurance premium being $2,679, Texas drivers could cut their rates by as much as $1,770 a year by just comparing rate quotes, but most tend to underestimate the amount of money they would save if they switched. You have so many car insurance companies to insure vehicles with, and even though it’s nice to have a choice, it makes it harder to adequately compare rates for Suzuki Equator insurance in Houston.
It’s a good habit to price shop coverage occasionally since insurance prices fluctuate regularly. Even if you think you had the lowest rates on Suzuki Equator insurance in Houston a year ago other companies may now be cheaper. Block out anything you think you know about auto insurance because we’re going to demonstrate the best methods to buy cheaper Suzuki Equator insurance in Houston.
Compare free Houston Suzuki Equator insurance price quotes
The car insurance companies shown below can provide quotes in Houston, TX. If the list has multiple companies, it’s a good idea that you visit as many as you can in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Equator Ext Cab 2WD||$136||$252||$400||$24||$120||$932||$78|
|Equator Ext Cab 2WD||$232||$404||$514||$30||$154||$1,334||$111|
|Equator Ext Cab 2WD||$268||$456||$392||$24||$118||$1,258||$105|
|Equator Ext Cab 2WD||$254||$486||$400||$24||$120||$1,284||$107|
|Equator Ext Cab 4WD||$282||$580||$430||$26||$128||$1,446||$121|
|Equator Crew Cab 4WD||$284||$580||$358||$22||$108||$1,352||$113|
|Equator Crew Cab 4WD||$206||$368||$382||$22||$114||$1,092||$91|
|Equator Crew Cab 4WD||$286||$572||$400||$24||$120||$1,402||$117|
|Get Your Own Custom Quote Go|
Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Information does not factor in garaging location in Houston which can revise rates substantially.
The information below highlights how deductible selection and can raise or lower Suzuki Equator insurance rates for different age categories. The costs are based on a single male driver, comp and collision included, and no other discounts are factored in.
Suzuki Equator insurance costs by gender and age in Houston
The chart below illustrates the comparison of Suzuki Equator yearly insurance costs for male and female drivers. The rates are based on no claims or driving citations, full physical damage coverage, $500 deductibles, drivers are single, and no discounts are applied.
Cheaper rates on Suzuki Equator insurance in Houston with these discounts
Car insurance is expensive, but you can get discounts to cut the cost considerably. Certain credits will be shown when you get a quote, but once in a while a discount must be specially asked for before you will receive the discount.
- Claim Free – Drivers who don’t have accidents pay much less when compared with insureds who have frequent claims or accidents.
- Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
- Discounts for Seat Belt Usage – Drivers who require all occupants to buckle up can save up to 10 percent (depending on the company) off the medical payments premium.
- Passive Restraints and Air Bags – Cars that have air bags can receive discounts of up to 25% or more.
- Onboard Data Collection – Drivers that enable their insurance company to look at their driving habits by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if their driving habits are good.
- E-sign Discounts – A handful of insurance companies will give you a small discount for signing up on the internet.
You should keep in mind that most discount credits are not given to the entire cost. Most only cut specific coverage prices like liability and collision coverage. So even though you would think adding up those discounts means a free policy, companies don’t profit that way.
To see insurance companies who offer free Suzuki Equator insurance quotes in Texas, follow this link.
Local Houston insurance agents
Many people would rather buy from a licensed agent and that is OK! Experienced insurance agents can answer important questions and help in the event of a claim. A good thing about comparing rates online is the fact that you can find cheaper premium rates and also buy local.
By using this simple form, your insurance coverage information is submitted to participating agents in Houston who will give you bids and help you find cheaper coverage. It’s much easier because you don’t need to contact an agency because prices are sent to you. If you need to quote rates for a specific company, you can always navigate to their website and fill out their quote form.
Finding a good insurance company requires more thought than just a cheap quote. A good agent in Houston will have answers to these questions.
- What company holds the largest book of business for them?
- Do they reduce claim amounts on high mileage vehicles?
- How many companies do they write for?
- Are they primarily personal or commercial lines agents in Houston?
- If your car is totalled, how to they determine the replacement cost?
When finding a local agent, it can be helpful to understand the different types of agents and how they function. Car insurance agents can be classified as either exclusive or independent (non-exclusive). Both types of agents can properly insure your vehicles, but it’s a good idea to understand how they differ because it may have an impact on your selection of an agent.
Exclusive Insurance Agents
Agents that choose to be exclusive write business for a single company and some examples include Farmers Insurance, State Farm, or Allstate. Exclusive agencies are unable to compare other company’s rates so always compare other rates. Exclusive agencies are trained well on sales techniques which helps offset the inability to provide other markets.
Listed below is a list of exclusive agencies in Houston willing to provide comparison quotes.
Independent Insurance Agents
Agents in the independent channel are not required to write business for one company so they can write business amongst many companies and possibly get better coverage at lower prices. If they find a cheaper price, your agent can just switch to a different company and you stay with the same agent.
If you need lower rates, we highly recommend that you get rate quotes from independent agents in order to have the best price comparison.
Shown below is a list of independent agents in Houston willing to provide comparison quotes.
How do Insurance Companies Determine Suzuki Equator Insurance Prices?
When buying car insurance it’s important to understand a few of the rating criteria that aid in calculating car insurance rates. When you understand what controls the rates you pay, this enables informed choices that can earn you big savings. Lots of things are taken into consideration when premium rates are determined. Some of the criteria are obvious such as your driving record, but other criteria are not quite as obvious like your vehicle usage and annual miles driven.
Rural vs Urban Areas – Residing in less populated areas of the country is a positive aspect if you are looking for the lowest rates. Fewer drivers on the road means a lower chance of having an accident in addition to lower liability claims City drivers have to deal with more auto accidents and much longer commute distances. Longer commute distances translates into higher accident risk.
High physical damage deductibles lower premiums – Coverage for physical damage, also called comprehensive and collision insurance, covers damage that occurs to your Suzuki. Examples of some claims that would be covered could be a broken windshield, hail damage, and damage caused by flying debris. Physical damage deductibles are how much you are willing to pay out-of-pocket in the event of a claim. The more of the claim the insured has to pay upfront, the bigger discount you will receive.
Only buy coverage you need – There are a ton of extra bells and whistles that sound like a good idea at the time if you aren’t diligent. Insurance for things like vanishing deductibles, death and dismemberment, and additional equipment coverage may be wasting your money. They may seem like a good idea when deciding what coverages you need, but your needs may have changed so eliminate the coverages to reduce your premium.
Protect yourself with liability coverage – A critical coverage on your policy, liability insurance will protect you if you are determined to be liable for personal injury or accident damage. It provides legal defense coverage up to the limits shown on your policy. Liability insurance is pretty cheap as compared to coverage for physical damage, so do not skimp.
Your gender affects prices – Statistics show women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. Women and men cause accidents in similar numbers, but males cause more damage. In addition to higher claims, males also get higher numbers of serious violations like reckless driving and DUI.
Premiums increase with driving tickets – Being a careful driver impacts your car insurance rates tremendously. Drivers with clean records have lower premiums than bad drivers. Only having one ticket may cause rates to rise to the point where it’s not affordable. Drivers who have dangerous tickets such as DUI or willful reckless driving may face state-mandated requirements to file a SR-22 with their state in order to keep their license.
Alarms and GPS tracking lower premiums – Buying a car with an alarm system can save you some money. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop car theft and help bring rates down.
Insuring your Equator just makes sense
Despite the high cost of buying insurance for a Suzuki Equator in Houston, maintaining insurance is most likely required but also gives you several important benefits.
First, just about all states have mandatory insurance requirements which means you are required to carry specific minimum amounts of liability if you drive a vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you took out a loan on your vehicle, most lenders will stipulate that you have physical damage coverage to guarantee payment of the loan. If you do not keep the policy in force, the bank or lender will purchase a policy for your Suzuki for a much higher rate and require you to fork over for it.
Third, insurance safeguards both your vehicle and your assets. It will also pay for most medical and hospital costs for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.
The benefits of buying enough insurance definitely exceed the price paid, particularly when you have a large claim. The average driver in Texas overpays as much as $850 per year so compare rates at every policy renewal to ensure rates are inline.
Keep this in mind when shopping around
In this article, we covered quite a bit of information on how to lower your Suzuki Equator insurance premium rates in Houston. The most important thing to understand is the more rate quotes you have, the better likelihood of getting low cost Houston auto insurance quotes. You may even find the most savings is with a small local company. These smaller insurers may only write in your state and offer lower prices compared to the large companies like Allstate and Progressive.
Cheaper Suzuki Equator insurance in Houston can be sourced from both online companies in addition to many Houston insurance agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance companies may not provide internet price quotes and many times these small, regional companies sell through independent agencies.
To read more, feel free to browse the resources below:
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Who Has the Cheapest Auto Insurance Quotes for Government Employees in Houston? (FAQ)
- Who Has Affordable Car Insurance for a Chevrolet Equinox in Houston? (FAQ)
- Teen Driver Statistics (Insurance Information Institute)
- Learn About Car Insurance (GEICO)
- Drunk Driving Statistics (Insurance Information Institute)