Car Insurance Quotes for a Suzuki SX4 in Chula Vista

Discount Suzuki SX4 insuranceDo you need a better way to compare cheaper insurance rates in Chula Vista, CA? Chula Vista consumers have a choice when looking for low-cost Suzuki SX4 insurance. You can either spend your time driving around getting price quotes or use the internet to find the lowest rates. There is a right way and a wrong way to shop for insurance so you’re going to learn the absolute fastest way to quote coverages for your Suzuki and find the lowest possible price.

It’s a good idea to do price comparisons once or twice a year because insurance prices are constantly changing. If you had the best quotes on Suzuki SX4 insurance in Chula Vista on your last policy you will most likely find a better rate today. You’ll find a ton of advice on SX4 insurance online, but we’re going to give you some proven techniques to lower your insurance rates in Chula Vista.

Buying the cheapest insurance in Chula Vista is quite easy if you know the best way to do it. If you have insurance now, you will surely be able to shop for the lowest rates using the following tips. Consumers just need to use how to shop their coverage around using one simple form.

The following companies can provide free quotes in Chula Vista, CA. If you want to find cheap car insurance in Chula Vista, CA, it’s a good idea that you visit as many as you can to find the lowest auto insurance rates.

Rates and information analytics

The rate information displayed below highlights different insurance prices for Suzuki SX4 models. Learning a little about how rate quotes are established helps drivers make smart choices when purchasing an insurance policy.

Suzuki SX4 Insurance Rates in Chula Vista, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SX4 LE $186 $386 $416 $24 $124 $1,136 $95
SX4 2WD $214 $316 $416 $24 $124 $1,094 $91
SX4 Sport S $214 $454 $416 $24 $124 $1,232 $103
SX4 Sport SE $214 $454 $416 $24 $124 $1,232 $103
SX4 Technology 2WD $214 $386 $416 $24 $124 $1,164 $97
SX4 Sportback 2WD $214 $386 $416 $24 $124 $1,164 $97
SX4 AWD AWD $214 $386 $416 $24 $124 $1,164 $97
SX4 Sport GTS $214 $454 $416 $24 $124 $1,232 $103
SX4 Technology AWD $242 $386 $416 $24 $124 $1,192 $99
SX4 Touring AWD $242 $386 $416 $24 $124 $1,192 $99
Get Your Own Custom Quote Go

Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rate information does not factor in specific location information which can modify auto insurance rates noticeably.

Can higher deductibles save money?

The hardest decision when buying coverage is how high should the deductibles for physical damage be. The rates shown below help summarize the differences in price when you buy lower versus higher comp and collision deductibles. The first set of rates uses a $250 deductible for comp and collision and the second price chart uses a $500 deductible.

Suzuki SX4 insurance rates with $250 deductibles
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

Suzuki SX4 insurance rates with $500 deductibles
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

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Rates do not factor in specific Chula Vista garaging location which can modify price quotes substantially.

Based on the figures above, using a $250 deductible will cost you roughly $17 more each month or $204 each year than choosing the higher $500 deductible. Since the policyholder would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 15 months between claim filings, you would probably come out ahead by selecting a higher deductible.

The information below demonstrates how choosing different deductibles and can affect Suzuki SX4 insurance costs for each age group. The data is based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.

Cost difference between full coverage and liability

The illustration below visualizes the comparison of Suzuki SX4 insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rate quotes are based on no claims, a clean driving record, $100 deductibles, drivers are not married, and no discounts are applied to the premium.

When to drop comp and collision

There is no specific rule that works best for making the decision to drop full coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let’s assume your Suzuki SX4 book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, you would only receive $2,000 after paying the physical damage deductible. If premiums are more than $200 annually to have full coverage, then you might consider buying liability only.

There are some scenarios where dropping physical damage coverage is not advised. If you still have a lienholder on your title, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should keep full coverage on your policy.

Auto insurance is not optional in California

Despite the fact that auto insurance is not cheap in Chula Vista, paying for auto insurance is required for several reasons.

The benefits of having insurance are without a doubt worth the cost, especially with large liability claims. But the average American driver is currently overpaying as much as $700 annually so smart consumers compare quotes once a year at a minimum to save money.

Informed Drivers Can Lower Their Insurance Costs

Many things are used in the calculation when quoting car insurance. Some are pretty understandable such as your driving history, although others are not as apparent such as your marital status and annual miles driven.

The list below includes some of the most common factors used by companies to determine rates.

Ratings for California auto insurance companies

Buying coverage from the right insurance company can be rather challenging considering how many companies are available to choose from in California. The company ratings below could help you decide which auto insurance companies to look at comparing rate quotes with.

Best Auto Insurance Companies in Chula Vista
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
Compare Rates Now Go

Data Source: Best Car Insurance Companies

Cover all your bases

As you restructure your insurance plan, make sure you don’t reduce needed coverages to save money. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits only to regret that it was a big mistake. Your goal is to purchase a proper amount of coverage at the best possible price but still have enough coverage for asset protection.

Consumers switch companies for any number of reasons including denial of a claim, poor customer service, not issuing a premium refund and unfair underwriting practices. It doesn’t matter what your reason, choosing a new insurance company is not as hard as you think.

The cheapest Suzuki SX4 insurance in Chula Vista can be found from both online companies as well as from independent agents in Chula Vista, and you need to price shop both to have the best selection. Some insurance providers do not offer price quotes online and many times these smaller providers provide coverage only through independent agents.

Steps to finding cheaper quotes for Suzuki SX4 insurance in Chula Vista

The preferred way to get affordable Suzuki SX4 insurance in Chula Vista is to start comparing prices yearly from insurance carriers that insure vehicles in California. You can compare rates by following these steps.

The most important part of shopping around is that you’ll want to make sure you compare similar deductibles and liability limits on every quote request and and to analyze all possible companies. This ensures a level playing field and a complete price analysis.

Additional detailed information is available in the articles below: