Are you trying to find lower-priced Suzuki SX4 insurance in Houston? Trying to find the cheapest insurance for a Suzuki SX4 in Texas can normally be difficult, but you can use the following methods and make it easy.
There is a better way to find auto insurance online and you need to know the best way to price shop coverage on a Suzuki and obtain the best price possible from Houston insurance agents and online providers.
Companies offering competitive Suzuki SX4 price quotes in Houston, TX
The companies shown below are our best choices to provide quotes in Texas. If the list has multiple companies, we suggest you get price quotes from several of them to get the lowest price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|SX4 Sport S||$234||$542||$462||$28||$138||$1,404||$117|
|SX4 Sport SE||$178||$422||$462||$28||$138||$1,228||$102|
|SX4 Technology 2WD||$140||$260||$358||$22||$108||$888||$74|
|SX4 Sportback 2WD||$282||$610||$430||$26||$128||$1,476||$123|
|SX4 AWD AWD||$314||$670||$496||$30||$148||$1,658||$138|
|SX4 Sport GTS||$282||$660||$496||$30||$148||$1,616||$135|
|SX4 Technology AWD||$234||$312||$500||$30||$150||$1,226||$102|
|SX4 Touring AWD||$206||$312||$382||$22||$114||$1,036||$86|
|Get Your Own Custom Quote Go|
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Price estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase auto insurance rates significantly.
Where to set your deductibles
The example below demonstrates how choosing different deductibles and can raise or lower Suzuki SX4 insurance costs for each different age category. The costs are based on a married female driver, full coverage, and no discounts are taken into consideration.
Discounts mean cheaper rates for Suzuki SX4 insurance in Houston
Auto insurance companies don’t list the entire discount list in a way that’s easy to find, so the list below details both the well known and the harder-to-find insurance savings.
- Distant College Student Discount – Youth drivers living away from Houston attending college and do not have a car may be able to be covered for less.
- Online Discount – Some of the larger companies may give you up to $50 for completing your application on the web.
- First Accident Forgiveness – Not a discount per se, but a few companies such as Liberty Mutual, Allstate and State Farm permit an accident without the usual rate increase as long as you don’t have any claims prior to being involved in the accident.
- Federal Government Employee – Active or retired federal employment could qualify for a slight premium decrease with select insurance companies.
- Mature Driver Discount – Mature drivers may qualify for reduced rates.
- Use Seat Belts – Drivers who require all vehicle occupants to use their safety belts can save up to 15% off the medical payments premium.
- Passive Restraints – Vehicles equipped with air bags or motorized seat belts can receive discounts of 20% or more.
- Good Driver Discounts – Insureds who avoid accidents may receive a discount up to 45% compared to rates paid by drivers with frequent claims.
- Data Collection Discounts – Insureds that choose to allow companies to spy on where and when they drive by using a telematic data system such as State Farm’s In-Drive could possibly reduce rates as long as they are good drivers.
A little disclaimer on discounts, most credits do not apply to all coverage premiums. A few only apply to individual premiums such as liability and collision coverage. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky.
Some of the insurance companies that may offer quotes with most of these discounts include:
When getting a coverage quote, ask every prospective company to apply every possible discount. Some of the discounts discussed earlier might not apply in your area. To see insurance companies who offer cheap Suzuki SX4 insurance quotes in Texas, click here.
What Affects Suzuki SX4 Insurance Rates?
The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that come into play when calculating the level of your policy premiums. If you know what determines premiums, this allows you to make educated decisions that may reward you with much lower annual insurance costs.
The list below includes some of the things used by companies to determine your premiums.
Cars with good safety ratings cost less to insure – Cars with high safety ratings tend to have better insurance rates. Safer cars have better occupant injury protection and better occupant protection translates into savings for insurance companies passed on to you as lower rates.
Driver age impacts rates – Young drivers in Texas are statistically proven to be easily distracted in a vehicle so they pay higher auto insurance rates. Parents adding a teenage driver onto your auto insurance can cause a big jump in price. Older drivers are shown to be more cautious, file fewer claims, and get fewer tickets.
Deter theft and lower prices – Selecting a car model with a theft deterrent system can help bring down rates. Systems that thwart thieves such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop vehicle theft.
Your address can influence premiums – Residing in smaller towns and rural areas of the country is a positive aspect when buying auto insurance. Fewer drivers means fewer accidents and a lower car theft rate. People who live in big cities have congested traffic and more time behind the wheel. More time commuting means a statistically higher chance of an accident.
You might want pay the inexpensive claims yourself – If you are the type of insured that files lots of claims you can definitely plan on higher rates. Insurance companies in Texas generally give cheaper rates to insureds that do not abuse their auto insurance. Your insurance policy is meant to be used in the event of more catastrophic claims.
Driving citations mean higher premiums – Your driving citation history influences premium rates substantially. Careful drivers tend to pay less for car insurance compared to bad drivers. Having a single moving violation may increase your cost forty percent or more. Drivers who have gotten dangerous violations like reckless driving, hit and run or driving under the influence may find they need to maintain a SR-22 with their state motor vehicle department in order to continue driving.
Lower rates by increasing deductibles – Physical damage protection, aka comp and collision, is used to repair damage to your vehicle. Examples of covered claims are running into the backend of another car, collision with an animal, and damage caused by flying debris. Comprehensive and collision coverage deductibles tell how much you are required to spend out-of-pocket if the claim is covered. The more of the claim you’re willing to pay, the better rate you will receive.
When should I get advice from an insurance agent?
Some people would rather go talk to an agent and that is a personal choice. Insurance agents can answer important questions and help submit paperwork. An additional benefit of comparing insurance prices online is you can get the best rates but also keep your business local. Buying from neighborhood insurance agencies is important particularly in Houston.
To help locate an agent, after submitting this simple form, your information gets sent to companies in Houston that provide free Houston auto insurance quotes and help you find cheaper coverage. You never need to find an agent since rate quotes are delivered instantly to you. If you want to get a rate quote from a specific insurance company, you can always find their quoting web page and submit a quote form there.
If you are searching for a reputable agency, there are a couple of different types of agencies and how they can quote your rates. Car insurance agencies may be either exclusive or independent (non-exclusive). Both types of agents can sell and service car insurance coverage, but it is important to understand how they differ because it can impact which type of agent you select.
Independent Car Insurance Agencies
Agents that elect to be independent are not limited to a single company so they have the ability to put coverage through lots of different companies and get you the best rates possible. If you are not satisfied with one company, they simply move the coverage in-house and you can keep the same agent. When shopping rates, you need to get rate quotes from multiple independent agents for the best price selection. Most can insure with small regional insurance companies who may have lower rates.
Below is a small list of independent insurance agents in Houston who can help you get comparison quotes.
- Jason Jimenez Insurance Agency
8323 Southwest Fwy #390 – Houston, TX 77074 – (713) 270-0073 – View Map
- Memorial Insurance Agency, LLC
13624 Memorial Dr – Houston, TX 77079 – (713) 461-8272 – View Map
- TDECU INSURANCE AGENCY, LLC
1235 N Loop W Fwy #1100 – Houston, TX 77008 – (979) 238-8283 – View Map
These agents can only quote rates from one company like State Farm, Allstate, and Farm Bureau. These agents are not able to provide prices from multiple companies so they really need to provide good service. These agents are usually quite knowledgeable in insurance sales and that enables them to sell even at higher rates. Some insured continue to purchase coverage from exclusives partially due to high brand loyalty rather than low rates.
Below are exclusive agents in Houston that are able to give price quote information.
- State Farm: Ken Quach
6489 Wilcrest Dr – Houston, TX 77072 – (281) 498-1010 – View Map
- Tammy Pham – State Farm Insurance Agent
13618 Bellaire Blvd, Ste E5 – Houston, TX 77083 – (281) 498-6800 – View Map
- Joy Knox State Farm Insurance Agency
1510 Eldridge Pkwy #108 – Houston, TX 77077 – (281) 759-4300 – View Map
Finding a good auto insurance agent should depend on more than just a cheap price quote. Some important questions to ask are:
- How are they compensated?
- Do they specialize in personal lines coverage in Houston?
- Are claim adjusters local or do you have to take your car somewhere else?
- Do they feel the quoted coverages are adequate?
- What insurance companies do they recommend if they are an independent agent?
- Is insurance their full-time profession?
Switch companies and save? Really?
Texas consumers can’t avoid all the ads for cheaper auto insurance by Allstate and Progressive. All the companies make the same claim that drivers can save some big amount if you change your policy.
How can each company say the same thing?
Different companies quote their best rates for the type of customer that will be a good risk. An example of this type of risk profile may need to be between 25 and 40, has no driving citations, and drives a car with an anti-theft system. Any customer who matches that profile receives the best rates in Houston and will also save when switching.
Insureds who don’t qualify for the ideal profile will be charged higher prices which leads to the prospect going elsewhere. If you pay close attention to the ads, they say “people who switch” not “all people who quote” save that much money. That is how insurance companies can confidently make it sound like they have such great premium rates.
This illustrates why it is so important to compare free Houston auto insurance quotes often. It is impossible to predict which auto insurance company will provide the lowest Suzuki SX4 insurance in Houston.
Find cheaper rates by comparing often
We just presented many tips how you can get a better price on Suzuki SX4 insurance in Houston. The most important thing to understand is the more quotes you get, the better your comparison will be. You may even be surprised to find that the most savings is with the smaller companies.
As you shop your coverage around, it’s very important that you do not buy less coverage just to save a little money. There are too many instances where an insured cut liability coverage limits only to regret that it was a big mistake. The goal is to buy a smart amount of coverage for the lowest cost, but do not sacrifice coverage to save money.
Budget-friendly car insurance in Houston can be found both online and with local Houston insurance agents, so you need to quote Houston auto insurance with both to have the best chance of lowering rates. Some companies may not offer rates over the internet and these smaller companies only sell through independent agents.
Even more information can be read in these articles:
- Prepare your Teens for Safe Driving (InsureUonline.org)
- What Car Insurance is Cheapest for Good Students in Houston? (FAQ)
- Who Has Cheap Auto Insurance for Postal Workers in Houston? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a School Permit in Houston? (FAQ)
- Who Has Affordable Car Insurance for 18 Year Olds in Houston? (FAQ)
- How to shop for a safer car (Insurance Institute for Highway Safety)
- Protect Yourself Against Auto Theft (Insurance Information Institute)