Anyone knows that auto insurance companies don’t want policyholders to compare prices from other companies. Consumers who shop around for better prices will probably switch to a new company because there is a good chance of finding a lower-cost company. A recent car insurance study discovered that drivers who compared rate quotes regularly saved an average of $860 a year compared to other drivers who never shopped around for better prices.
If finding the cheapest price for insurance in Lincoln is your objective, then having a good understanding how to choose a company and compare insurance can help make the process easier and more efficient.
The most effective way to find low-cost Suzuki SX4 insurance is to start doing an annual price comparison from companies who provide car insurance in Lincoln.
First, try to learn about auto insurance and the measures you can control to lower rates. Many policy risk factors that cause high rates such as multiple speeding tickets and an imperfect credit rating can be amended by making minor changes in your lifestyle.
Second, obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from one company like GEICO and Allstate, while independent agencies can provide prices for many different companies. Compare rates
Third, compare the new rates to your existing rates and determine if there is any savings. If you find better rates and decide to switch, ensure coverage does not lapse between policies.
Fourth, provide adequate notice to your current company of your intent to cancel your current auto insurance policy and submit payment along with a signed and completed policy application to your new carrier. Don’t forget to keep your new proof of insurance certificate in your glove compartment.
An important note is to use similar coverage information on every quote request and and to look at every company you can. This ensures a fair price comparison and many rates to choose from.
Get discounts on Lincoln auto insurance
Some insurers don’t always list the entire discount list in a way that’s easy to find, so the list below contains both the well known and the more hidden discounts that may be available.
- Active Military Service – Being on active duty in the military may qualify for rate reductions.
- New Vehicle Savings – Insuring a new SX4 is cheaper because newer vehicles are generally safer.
- Discount for Life Insurance – Select insurance carriers reward you with a discount if you purchase life insurance.
- Cautious Driver Discount – Insureds without accidents may receive a discount up to 45% compared to accident prone drivers.
- Payment Discounts – By paying your policy upfront as opposed to paying monthly you can actually save on your bill.
- Passive Restraints and Air Bags – Vehicles with factory air bags may get savings as much as 30%.
- Professional Organizations – Joining a professional or civic organization could qualify you for a break on auto insurance.
- Seat Belts Save more than Lives – Requiring all passengers to use their safety belts can save 10% or more off the PIP or medical payment premium.
- 55 and Retired – Drivers that qualify as senior citizens can possibly qualify for reduced rates.
As a footnote on discounts, some credits don’t apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like comp or med pay. If you do the math and it seems like all those discounts means the company will pay you, you won’t be that lucky.
The example below illustrates the difference between Suzuki SX4 insurance costs with and without some available policy discounts. The costs are based on a female driver, no violations or accidents, Nebraska state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, marriage, safe-driver, claim-free, and multi-car discounts applied.
Some companies that may offer these benefits include:
Before you buy a policy, ask every company to give you their best rates. Some discounts listed above might not be available to policyholders everywhere. To view insurers who offer online Suzuki SX4 insurance quotes in Lincoln, click here to view.
The are a couple different ways of comparing rates from all the different companies. The recommended way to find affordable Suzuki SX4 insurance rates is simply to get online rate quotes. Keep in mind that comparing more prices will improve the odds of getting a lower rate than you’re paying now.
The providers in the list below provide price quotes in Lincoln, NE. To get the best car insurance in Lincoln, NE, we suggest you visit as many as you can in order to get a fair rate comparison.
Suzuki SX4 insurance rates and statistics
The rate information shown below showcases estimates of insurance premium costs for Suzuki SX4 models. Knowing how insurance policy rates are formulated can benefit drivers when making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| SX4 LE | $108 | $252 | $338 | $20 | $102 | $820 | $68 |
| SX4 2WD | $124 | $208 | $338 | $20 | $102 | $792 | $66 |
| SX4 Sport S | $124 | $298 | $338 | $20 | $102 | $882 | $74 |
| SX4 Sport SE | $124 | $298 | $338 | $20 | $102 | $882 | $74 |
| SX4 Technology 2WD | $124 | $252 | $338 | $20 | $102 | $836 | $70 |
| SX4 Sportback 2WD | $124 | $252 | $338 | $20 | $102 | $836 | $70 |
| SX4 AWD AWD | $124 | $252 | $338 | $20 | $102 | $836 | $70 |
| SX4 Sport GTS | $124 | $298 | $338 | $20 | $102 | $882 | $74 |
| SX4 Technology AWD | $138 | $252 | $338 | $20 | $102 | $850 | $71 |
| SX4 Touring AWD | $138 | $252 | $338 | $20 | $102 | $850 | $71 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Price estimates do not factor in Lincoln location which can increase or decrease price quotes significantly.
Higher deductibles lower rates
When buying auto insurance, a common question is how high or low should comp and collision deductibles be. The following insurance rates may help to illustrate how much more you’ll pay between high and low physical damage deductibles. The first rate estimation uses a $250 physical damage deductible and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| SX4 LE | $202 | $390 | $300 | $18 | $90 | $1,025 | $85 |
| SX4 2WD | $232 | $320 | $300 | $18 | $90 | $985 | $82 |
| SX4 Sport S | $232 | $460 | $300 | $18 | $90 | $1,125 | $94 |
| SX4 Sport SE | $232 | $460 | $300 | $18 | $90 | $1,125 | $94 |
| SX4 Technology 2WD | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| SX4 Sportback 2WD | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| SX4 AWD AWD | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| SX4 Sport GTS | $232 | $460 | $300 | $18 | $90 | $1,125 | $94 |
| SX4 Technology AWD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| SX4 Touring AWD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| SX4 LE | $124 | $246 | $300 | $18 | $90 | $778 | $65 |
| SX4 2WD | $144 | $202 | $300 | $18 | $90 | $754 | $63 |
| SX4 Sport S | $144 | $290 | $300 | $18 | $90 | $842 | $70 |
| SX4 Sport SE | $144 | $290 | $300 | $18 | $90 | $842 | $70 |
| SX4 Technology 2WD | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| SX4 Sportback 2WD | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| SX4 AWD AWD | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| SX4 Sport GTS | $144 | $290 | $300 | $18 | $90 | $842 | $70 |
| SX4 Technology AWD | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| SX4 Touring AWD | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Premium costs do not factor in specific location which can influence rates greatly.
We can derive from the above data that using a $250 deductible will cost you about $21 more each month or $252 for a full year averaged for all SX4 models than buying the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 36 months between claims, you would probably be better off by going with a higher deductible. The illustration below shows an example of how you can decide this on your own policy.
| Average monthly premium for $250 deductibles: | $89 |
| Average monthly premium for $1,000 deductibles (subtract): | – $68 |
| Monthly savings from raising deductible: | $21 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $21 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 36 months |
An important sidenote is that a higher deductible results in having to pay to pay more out-of-pocket if you have a claim. That will require some funds available in the event you need to pay the deductible to have repairs made.
The example below illustrates how your deductible choice and can raise or lower Suzuki SX4 premium costs for each age group. The rate quotes are based on a married female driver, comp and collision included, and no discounts are applied.
Tickets and at-fault accidents raise rates
The example below illustrates how violations and at-fault accidents impact Suzuki SX4 insurance premiums for different age categories. The price estimates are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.
How Insurance Providers Calculate Suzuki SX4 Insurance Prices
Many factors are part of the equation when pricing auto insurance. Some are obvious like an MVR report, but others are more transparent like your vehicle usage or your commute time. The best way to find cheaper car insurance is to take a look at the different types of things that play a part in calculating the rates you pay for car insurance. When you know what positively or negatively positively or negatively impacts your premiums, this allows you to make good choices that may reward you with much lower annual insurance costs.
The itemized list below are some of the major factors utilized by car insurance companies to help set your rate level.
Avoid unnecessary extra policy coverages – Insurance policies have a lot of optional add-on coverages that can waste your money if you don’t pay attention. Insurance for vanishing deductibles, accident forgiveness, and extra life insurance coverage may be wasting your money. These coverages may sound good when you first buy your policy, but if you’ve never needed them in the past consider taking them off your policy.
Annual miles is a factor – The higher the miles on your Suzuki in a year’s time the higher your rates will be. Most companies price each vehicle’s coverage partially by how you use the vehicle. Cars and trucks that do not get driven very much receive lower rates than vehicles that have high annual mileage. Incorrect rating for your SX4 can result in significantly higher rates. Make sure your car insurance policy correctly shows the correct driver usage.
Car insurance rates and age – Older drivers have been proven to be more responsible, cause fewer claims and accidents, and usually have better credit. Youthful drivers are statistically shown to be easily distracted when driving with friends so car insurance rates are higher.
The data below uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.
Raising deductibles saves money – Physical damage protection, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. Some coverage claims could be collision with another vehicle, vandalism, and windstorm damage. Deductibles for physical damage define the amount you are willing to pay if a covered claim is submitted. The more you choose to pay out-of-pocket, the lower your rates will be.
Prevent your car from being stolen – Choosing a vehicle with anti-theft technology or alarm system can earn a premium discount. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft.
More stress means more cost – Occupations like lawyers, air traffic controllers, and stock brokers generally pay higher premiums than the average policyholder attributed to stressful work requirements and incredibly demanding work hours. Conversely, careers like actors, engineers and performers have the lowest average rates.
Your location is important – Residing in areas with lower population has definite advantages when trying to find low car insurance rates. Drivers who live in large cities have to deal with traffic congestion and longer commute times. Fewer drivers on the road means reduced accidents and a lower car theft rate.
No policy lapses lowers car insurance rates – Driving your car without having proper coverage can get you a ticket and as a result your rates will increase for letting your coverage cancel without a new policy in place. In addition to paying higher premiums, the inability to provide proof of insurance can result in a license revocation or jail time. You may then have to file a SR-22 with the Nebraska motor vehicle department to get your license reinstated.
Do I need special coverages?
Always keep in mind that when comparing coverage online or from an agent for your personal vehicles, there really isn’t a one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs.
For instance, these questions can aid in determining if your insurance needs may require specific advice.
- Do I need higher collision deductibles?
- When should I not buy collision coverage?
- Am I covered when driving a rental car?
- Are my custom wheels covered?
- How can I get high-risk coverage after a DUI?
- Am I covered if I drive in a foreign country?
- Can I use my car for my catering business?
- Should I rate my Suzuki SX4 as pleasure use or commute?
- Is my trailer covered?
- If my pet gets injured in an accident are they covered?
If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.
Local agents and auto insurance
Many people would prefer to buy from a local agent and that is just fine! One of the benefits of getting free rate quotes online is the fact that you can find cheap rate quotes but still work with a licensed agent. And buying from neighborhood agents is important particularly in Lincoln.
Once you complete this simple form, your insurance coverage information is sent to agents in your area who want to provide quotes for your insurance coverage. There is no reason to leave your house as quotes are delivered straight to your inbox. Get lower rates without a big time investment. If you wish to compare rates for a specific company, don’t hesitate to search and find their rate quote page and fill out the quote form the provide.
When researching local Lincoln agents, there are two types of agencies and how they operate. Agencies in Lincoln can be described as either exclusive or independent (non-exclusive).
Independent Agents (or Brokers)
Agents of this type are not employed by any specific company so they can insure your vehicles amongst many companies and find you cheaper rates. If they find a lower price, they simply switch companies in-house without you having to go to a different agency. When searching for an agent, you will want to contact independent agents to have the best price comparison. Many write coverage with companies you’ve never heard of that may provide cheaper auto insurance rates.
Shown below is a partial list of independent agents in Lincoln that can possibly get you competitive price quotes.
- Gary Thompson Agency, Inc.
4200 Lucile Dr a200 – Lincoln, NE 68506 – (402) 475-2609 – View Map - Solid Ground Insurance LLC
6000 South 58th Street Suite C – Lincoln, NE 68516 – (402) 420-7654 – View Map - Mid Mex Insurance Inc
1010 South St A – Lincoln, NE 68502 – (402) 438-6800 – View Map
Exclusive Agents
Agents in the exclusive channel can only write with one company like State Farm, Allstate, and Farm Bureau. They are unable to provide prices from multiple companies so they really need to provide good service. Exclusive agents are very knowledgeable on what they offer which helps offset the inability to provide other markets. Some insured continue to buy insurance from these agents primarily because of the brand legacy and solid financial strength.
Listed below is a short list of exclusive agents in Lincoln who can help you get rate quotes.
- American Family Insurance – James L. Brown Agency Inc
4500 Cornhusker Hwy Ste 1 – Lincoln, NE 68504 – (402) 465-0748 – View Map - John Eshleman – State Farm Insurance Agent
7501 O St #103 – Lincoln, NE 68510 – (402) 483-7578 – View Map - State Farm: Shawn Kreifels
570 Fallbrook Blvd #111 – Lincoln, NE 68521 – (402) 435-2250 – View Map
Choosing the best insurance agent should depend on more than just a cheap price. You should also get answers to these questions.
- Is working in the agency their full-time job?
- Are there any discounts that you might be missing?
- Can glass claims be handled at your home?
- Are they involved in claim handling?
- What kind of financial rating does the company have?
- How much experience to they have in personal lines coverages?
Why you need insurance for your Suzuki SX4
Even though it can be expensive, maintaining insurance serves a purpose in several ways.
First, almost all states have minimum mandated liability insurance limits which means you are required to buy a minimum amount of liability protection in order to license the vehicle. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you have a loan on your Suzuki SX4, more than likely the lender will make it mandatory that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Suzuki for a much higher rate and require you to reimburse them much more than you were paying before.
Third, insurance protects not only your car but also your financial assets. It will also cover medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance will also pay to defend you if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, collision and comprehensive coverages will cover the repair costs.
The benefits of buying insurance outweigh the cost, especially with large liability claims. On average, a vehicle owner in Lincoln overpays as much as $869 every year so compare rate quotes at every renewal to make sure the price is not too high.
Quote. Compare. Save.
Some companies may not offer online quoting and these regional carriers only sell coverage through local independent agencies. Budget-friendly car insurance in Lincoln is possible from both online companies in addition to local insurance agencies, and you should be comparing both to have the best selection.
As you quote Lincoln auto insurance, you should never skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced physical damage coverage only to find out that it was a big error on their part. The proper strategy is to get the best coverage possible for the lowest cost, but do not sacrifice coverage to save money.
People leave their current company for a variety of reasons including policy cancellation, questionable increases in premium, lack of trust in their agent and even not issuing a premium refund. Whatever your reason, finding a new company is actually quite simple.
Additional detailed information is located in these articles:
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- Who Has Affordable Auto Insurance Quotes for High Risk Drivers in Lincoln? (FAQ)
- Who Has the Cheapest Auto Insurance for Active Military in Lincoln? (FAQ)
- How Much is Auto Insurance for Welfare Recipients in Lincoln? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Unemployed Drivers in Lincoln? (FAQ)
- Who Has Cheap Car Insurance Quotes for Inexperienced Drivers in Lincoln? (FAQ)
- How Much is Car Insurance for Uber Drivers in Lincoln? (FAQ)
- Who Has Affordable Lincoln Car Insurance for Low Credit Scores? (FAQ)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- Alcohol Impaired Driving FAQ (iihs.org)