Affordable Suzuki Equator Insurance in Seattle

Paying for overpriced Suzuki Equator insurance in Seattle can empty your savings account and force you to prioritize other expenses. Comparing rates annually can help to cut your insurance bill.

Astonishng but true according to a recent study, over 70% of consumers have purchased from the same company for at least four years, and nearly half have never compared rates to find affordable insurance. American drivers could save themselves $860 a year just by getting comparison quotes, but they don’t understand how simple it is to compare rates online. Numerous insurance companies battle for your business, and because of this it can be hard to compare insurers to get the lowest rate on Suzuki Equator insurance in Seattle.

You need to compare premium rates before your policy renews because prices tend to go up over time. Just because you had the lowest rates on Suzuki Equator insurance in Seattle a couple years back you will most likely find a better premium rate today. Ignore everything you know about insurance because you’re about to learn the things you must know in order to save money, get proper deductibles and limits, all at the lowest rate.

The companies shown below are our best choices to provide free rate quotes in Seattle, WA. If multiple companies are shown, we suggest you click on several of them to get the lowest price.

Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Table data does not factor in vehicle garaging location which can impact auto insurance rates noticeably.

Can higher deductibles save money?

When buying car insurance, a common question is where to set your physical damage deductibles. The tables below may help to conceptualize the difference in cost when you select higher and lower physical damage coverage deductibles. The first rate table uses a $100 deductible for comp and collision and the second rate chart uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rate quotes do not factor in the specific area where the vehicle is garaged which can raise or lower premium rates significantly.

Using the premium rates above, we can conclude that using a $100 deductible will cost you approximately $20 more each month or $240 a year than opting for the higher $500 deductible. Since you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you average at a minimum 20 months between claim filings, you would probably be better off by going with a higher deductible.

Suzuki Equator liability rates compared to full coverage

The illustration below visualizes the comparison of Suzuki Equator yearly insurance costs with full coverage compared to only the Washington minimum liability coverage. The prices are based on no accidents, no driving violations, $1,000 deductibles, single female driver, and no policy discounts are applied.

When to drop comprehensive and collision coverage

There is no exact rule of when to drop full coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is more than around 10% of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let’s say your Suzuki Equator book value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $7,000 after paying your deductible. If you are paying more than $700 annually for physical damage coverage, then it’s probably a good time to buy liability coverage only.

There are some conditions where buying only liability insurance is not advised. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.

Policy deductible comparison

The illustration below demonstrates how choosing different deductibles and can affect Suzuki Equator insurance prices for different categories of driver ages. The prices are based on a married female driver, comp and collision included, and no additional discounts are factored in.

Save money on Suzuki Equator insurance in Seattle with these discounts

Properly insuring your vehicles can get expensive, but there could be available discounts that you may not know about. Some discounts will apply when you get a quote, but once in a while a discount must be asked about in order for you to get them. If you are not receiving all the discounts you qualify for, you are paying more than you should be.

• Low Mileage Discounts – Low annual miles may allow you to get discounted premium rates on garaged vehicles.
• Good Grades Discount – A discount for being a good student may save you up to 25%. The discount lasts well after school through age 25.
• Lower Rates for Military – Having a family member in the military could trigger a small discount.
• Paperless Signup – Some insurance companies may give you up to $50 for buying a policy and signing up online.
• Drive Safe and Save – Safe drivers can save as much as half off their rates than drivers with accident claims.
• Discount for Swiching Early – A few larger companies give discounts for buying a new policy prior to the expiration date on your current Equator insurance policy. This can save 10% or more.

Consumers should know that some of the credits will not apply to the entire cost. Most only reduce individual premiums such as collision or personal injury protection. So despite the fact that it appears you could get a free insurance policy, company stockholders wouldn’t be very happy.

Larger insurance companies and their offered discounts are:

• GEICO has discounts for defensive driver, daytime running lights, membership and employees, multi-policy, and anti-lock brakes.
• Travelers discounts include home ownership, early quote, multi-car, continuous insurance, and IntelliDrive.
• Farm Bureau offers discounts including 55 and retired, good student, multi-policy, youthful driver, safe driver, and driver training.
• Liberty Mutual offers premium reductions for newly retired, safety features, newly married, preferred payment discount, new graduate, and new vehicle discount.
• American Family has savings for mySafetyValet, multi-vehicle, accident-free, TimeAway discount, good student, bundled insurance, and good driver.
• Progressive offers discounts for continuous coverage, good student, online quote discount, homeowner, multi-vehicle, and multi-policy.

Check with all companies you are considering which discounts you qualify for. All car insurance discounts may not apply to policyholders in every state.

Three reasons car insurance is important

Despite the fact that car insurance is not cheap in Seattle, paying for car insurance is most likely required but also gives you several important benefits.

• Almost all states have mandatory insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability protection in order to license the vehicle. In Washington 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 has a lien holder, more than likely the lender will require that you buy insurance to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank may insure your Suzuki at a much higher premium rate and force you to reimburse them for it.
• Car insurance protects both your Suzuki Equator and your assets. Insurance will also pay for medical transport and hospital expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.

The benefits of buying car insurance definitely exceed the cost, especially when you need to use it. But the average driver in Washington overpays more than $810 a year so it’s important to compare rates at least once a year to ensure rates are competitive.

Local Seattle auto insurance agents and auto insurance

Certain consumers would rather visit with an insurance agent and that can be a great decision Good insurance agents are highly skilled in risk management and help you file claims. One of the best bonuses of comparing insurance prices online is the fact that you can find lower prices and still have a local agent.

To make it easy to find an agent, after completing this simple form, your insurance coverage information is transmitted to companies in Seattle that provide free Seattle car insurance quotes for your auto insurance coverage. There is no reason to find an agent on your own as quotes are delivered immediately to you. If you wish to get a comparison quote from one company in particular, just go to their quote page and fill out their quote form.

Choosing an insurer requires you to look at more than just a cheap quote. Before buying a policy in Seattle, get answers to these questions.

• Will you get a loaner vehicle if you car is being repaired?
• What are their preferred companies if they are an independent agency?
• Is there any savings for paying the full premium?
• Is the agency covered by Errors and Omissions coverage?
• How long has their agency been open in Seattle?
• If you have an accident, will your rates go up?
• Are claim adjusters local or do you have to take your car somewhere else?
• If you are a high risk driver, do they have special markets for your coverage?

Exclusive agents vs. Independent agents

If you’re trying to find a local insurance agency, you need to know there are two different types of agents and how they can quote your rates. Agents in Seattle are classified as either exclusive or independent (non-exclusive). Both types of agents can write auto insurance policies, but it’s worth mentioning the subtle differences because it may have an impact on the kind of agent you use.

Exclusive Auto Insurance Agencies

Agents that elect to be exclusive can usually just insure with one company like State Farm, Allstate, and Farm Bureau. They are unable to shop your coverage around so always compare other rates. Exclusive agencies are very knowledgeable on their company’s products and that allows them to sell at a higher price point.

Below are Seattle exclusive insurance agencies willing to provide price quotes.

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Independent Agencies or Brokers

Agents of this type are not employed by one company and that is an advantage because they can write policies with lots of companies and find the cheapest rate. If prices rise, an independent agent can move your coverage and you can keep the same agent.

When comparing auto insurance rates, we recommend you contact several independent insurance agents to get the most accurate price comparison.

Shown below are Seattle independent insurance agencies that can give you price quote information.

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