If you want to save money, the best way to get budget Suzuki SX4 insurance is to start comparing prices regularly from insurance carriers who provide auto insurance in Fort Wayne.
- Step 1: Try to comprehend auto insurance and the factors you can control to lower rates. Many risk factors that are responsible for high rates such as speeding tickets, careless driving and poor credit can be eliminated by being financially responsible and driving safely. This article gives tips to help keep rates affordable and earn a bigger discount.
- Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from one company like GEICO and Allstate, while independent agencies can give you price quotes from many different companies. Begin your rate comparison
- Step 3: Compare the new quotes to your existing coverage to see if a cheaper rate is available. If you can save money, ensure there is no coverage lapse between policies.
A good tip to remember is to use the same deductibles and limits on each quote request and and to look at every company you can. Doing this helps ensure a level playing field and a thorough selection of prices.
Unbelievable but true, almost 70% of drivers have remained with the same car insurance company for at least four years, and approximately 40% of consumers have never even compared quotes to find affordable rates. With the average car insurance premium being $1,390, Fort Wayne drivers could save about 55% a year just by getting comparison quotes, but most just don’t grasp how much savings they would realize if they switched to a more affordable policy.
The goal of this article is to teach you a little about how car insurance companies work and some money-saving tips. If you have insurance now, you will most likely be able to save money using the following tips. Comparison shoppers just need to know the quickest method to compare rates over the internet.
Most companies such as State Farm, GEICO and Progressive provide coverage prices online. Getting quotes for Suzuki SX4 insurance in Fort Wayne doesn’t take a lot of time as you simply enter your coverage information on the page. When the form is submitted, the company’s rating system collects information on your driving record and credit history and returns a price quote based on many factors.
Being able to quote online for Suzuki SX4 insurance in Fort Wayne makes it simple to compare prices and it’s absolutely necessary to compare as many rates as possible if you are searching for a lower rate.
To get comparison pricing now, compare rate quotes from the providers shown below. If you currently have coverage, we recommend that you enter deductibles and limits just like they are on your policy. This helps ensure you will get a price comparison based on the exact same insurance coverage.
The following companies are ready to provide free rate quotes in Fort Wayne, IN. To locate the cheapest auto insurance in Fort Wayne, IN, we recommend you get prices from several of them in order to find the lowest rates.
Insurance coverage analysis
The premium information shown next highlights detailed analysis of insurance policy prices for Suzuki SX4 models. Being able to understand how insurance prices are figured is important for drivers to make smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| SX4 LE | $182 | $450 | $318 | $18 | $94 | $1,062 | $89 |
| SX4 2WD | $208 | $370 | $318 | $18 | $94 | $1,008 | $84 |
| SX4 Sport S | $208 | $530 | $318 | $18 | $94 | $1,168 | $97 |
| SX4 Sport SE | $208 | $530 | $318 | $18 | $94 | $1,168 | $97 |
| SX4 Technology 2WD | $208 | $450 | $318 | $18 | $94 | $1,088 | $91 |
| SX4 Sportback 2WD | $208 | $450 | $318 | $18 | $94 | $1,088 | $91 |
| SX4 AWD AWD | $208 | $450 | $318 | $18 | $94 | $1,088 | $91 |
| SX4 Sport GTS | $208 | $530 | $318 | $18 | $94 | $1,168 | $97 |
| SX4 Technology AWD | $234 | $450 | $318 | $18 | $94 | $1,114 | $93 |
| SX4 Touring AWD | $234 | $450 | $318 | $18 | $94 | $1,114 | $93 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Prices do not factor in vehicle location which can impact price quotes considerably.
Higher deductibles save money
When shopping for insurance, a common question is which deductible level should you buy. The following insurance rates show how much more you’ll pay of buying low and high coverage deductibles. The first data set uses a $100 deductible and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| SX4 LE | $210 | $436 | $280 | $16 | $84 | $1,051 | $88 |
| SX4 2WD | $242 | $358 | $280 | $16 | $84 | $1,005 | $84 |
| SX4 Sport S | $242 | $514 | $280 | $16 | $84 | $1,161 | $97 |
| SX4 Sport SE | $242 | $514 | $280 | $16 | $84 | $1,161 | $97 |
| SX4 Technology 2WD | $242 | $436 | $280 | $16 | $84 | $1,083 | $90 |
| SX4 Sportback 2WD | $242 | $436 | $280 | $16 | $84 | $1,083 | $90 |
| SX4 AWD AWD | $242 | $436 | $280 | $16 | $84 | $1,083 | $90 |
| SX4 Sport GTS | $242 | $514 | $280 | $16 | $84 | $1,161 | $97 |
| SX4 Technology AWD | $272 | $436 | $280 | $16 | $84 | $1,113 | $93 |
| SX4 Touring AWD | $272 | $436 | $280 | $16 | $84 | $1,113 | $93 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| SX4 LE | $116 | $230 | $280 | $16 | $84 | $726 | $61 |
| SX4 2WD | $134 | $188 | $280 | $16 | $84 | $702 | $59 |
| SX4 Sport S | $134 | $270 | $280 | $16 | $84 | $784 | $65 |
| SX4 Sport SE | $134 | $270 | $280 | $16 | $84 | $784 | $65 |
| SX4 Technology 2WD | $134 | $230 | $280 | $16 | $84 | $744 | $62 |
| SX4 Sportback 2WD | $134 | $230 | $280 | $16 | $84 | $744 | $62 |
| SX4 AWD AWD | $134 | $230 | $280 | $16 | $84 | $744 | $62 |
| SX4 Sport GTS | $134 | $270 | $280 | $16 | $84 | $784 | $65 |
| SX4 Technology AWD | $152 | $230 | $280 | $16 | $84 | $762 | $64 |
| SX4 Touring AWD | $152 | $230 | $280 | $16 | $84 | $762 | $64 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rates do not factor in specific location information which can influence auto insurance rates considerably.
Based on the data above, we can derive that using a $100 deductible will cost you roughly $29 more each month or $348 each year than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you go at a minimum 31 months between claim filings, you would save more money by selecting a higher deductible.
Calculation for determining deductible levels
| Average monthly premium for $100 deductibles: | $92 |
| Average monthly premium for $1,000 deductibles (subtract): | – $63 |
| Monthly savings from raising deductible: | $29 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $29 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 31 months |
One important note is that a higher deductible level means you pay more out-of-pocket when you have to file a claim. You need to make sure you have enough disposable savings in order to pay more for the deductible.
Suzuki SX4 annual premiums for males versus females
The illustration below compares Suzuki SX4 insurance premiums for male and female drivers. The premium estimates are based on no claims or driving citations, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no discounts are factored in.
Auto insurance quotes from local Fort Wayne insurance agencies
Many drivers would rather sit down with an agent and doing that can be a smart decision Professional insurance agents are trained to spot inefficiencies and help file insurance claims. A nice benefit of getting free rate quotes online is that drivers can save money and get cheaper car insurance rates and still have an agent to talk to. And buying from local agents is especially important in Fort Wayne.
To find an agent, once you fill out this quick form, your insurance data is transmitted to local insurance agents that can provide free Fort Wayne car insurance quotes for your business. There is no need to contact any agents because prices are sent directly to you. If for some reason you want to get a comparison quote from one company in particular, you would need to visit that company’s website to submit a rate quote request.
Car insurance agents in Fort Wayne come in two varieties
When searching for a good Fort Wayne insurance agent, there are a couple of types of agencies that you can select. Insurance agencies in Fort Wayne are categorized either exclusive or independent agents depending on their company appointments. Both types of agents can sell and service auto insurance coverage, but it is a good idea to know the difference in the companies they write for because it can impact which agent you choose.
Independent Auto Insurance Agents (or Brokers)
These agents often have many company appointments so they can quote policies amongst many companies and find you cheaper rates. If premiums increase, your agent can switch companies and you won’t have to switch agencies.
When comparing rates, you will definitely want to include rate quotes from multiple independent agents to maximize your price options. Most independent agents also contract with lesser-known insurance companies which could offer lower prices.
Featured below is a list of independent agents in Fort Wayne that may be able to give you free rate quotes.
- Synergy Financial Group
9326 Coldwater Rd – Fort Wayne, IN 46825 – (260) 490-8822 – View Map - Andrew Stores – Prudential Financial
2420 Coliseum Blvd North, Suite 100 – Fort Wayne, IN 46805 – (260) 310-6018 – View Map - Tom Steckler Agency Inc
10432 Coldwater Rd – Fort Wayne, IN 46845 – (260) 338-0338 – View Map
Exclusive Agents
Exclusive agents are contracted to one company and examples are AAA, Allstate, and State Farm. They usually cannot provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agents are trained well on their company’s products and that can be a competitive advantage. Consumers frequently buy from exclusive agents mainly due to loyalty to the company rather than low rates.
Below are Fort Wayne exclusive insurance agencies who can help you get rate quotes.
- Larry Ice II – State Farm Insurance Agent
6221 Maplecrest Rd – Fort Wayne, IN 46835 – (260) 484-8572 – View Map - Farmers Insurance – Shea Smith
1104 W State Blvd – Fort Wayne, IN 46808 – (260) 420-2000 – View Map - Terry Anderson – State Farm Insurance Agent
5668 St Joe Rd – Fort Wayne, IN 46835 – (260) 486-8663 – View Map
Selecting an car insurance agent should include more criteria than just the premium amount. Any agent in Fort Wayne should have no problem answering these questions:
- Are they primarily personal or commercial lines agents in Fort Wayne?
- Will their companies depreciate repairs to your car based on the mileage?
- How long has their agency been open in Fort Wayne?
- Does the agent have a valid license to sell insurance in Indiana?
- Do they see any coverage gaps in your plan?
- Does the agency support the community they serve?