Save on Suzuki SX4 Insurance in Jersey City

Insurance for Suzuki SX4I can’t think of a single person who gets a kick out of paying for car insurance, especially when they are aware that they could find better rates elsewhere.

Unimaginable but true, a large majority of car insurance policyholders have stayed with the same insurance company for a minimum of four years, and 38% of drivers have never even compared rates from other companies. The average driver in Jersey City could cut their rates by nearly 40% a year, but they don’t want to take the time to find affordable rates by getting comparison quotes. Many auto insurance companies vie for your hard-earned dollar, so it can be very hard to choose a company to get the cheapest price on Suzuki SX4 insurance in Jersey City.

If you’re already insured or want to find a cheaper company, you can use these techniques to get lower rates without sacrificing coverage. Finding affordable coverage in Jersey City is really quite simple as long as you have a good starting point. Drivers just need to learn the fastest way to compare rates online.

Suzuki SX4 Insurance Premium Factors

Part of the car insurance buying process is learning the rating factors that play a part in calculating your policy premiums. If you have a feel for what impacts premium levels, this enables informed choices that can earn you lower car insurance prices.

Alarms and GPS tracking lower car insurance rates – Choosing to buy a car with a theft deterrent system can save you some money. Theft deterrent systems like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop vehicle theft.

No policy gaps is important – Not maintaining insurance can get your license suspended and car insurance companies will penalize you for letting your coverage cancel without a new policy in place. In addition to paying higher premiums, the inability to provide proof of insurance could result in a revoked license or a big fine.

Cautious drivers pay the best costs – Your driving citation history influences premium rates substantially. Drivers who don’t get tickets get better prices as compared to careless drivers. Having a single driving citation could increase your next policy renewal twenty percent or more. Drivers unfortunate enough to have careless violations like DUI or reckless driving may find that they have to to file a SR-22 with their state in order to keep their license.

The chart below illustrates how violations and at-fault fender-benders can increase Suzuki SX4 auto insurance costs for different age groups. The premium estimates are based on a single female driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

If you don’t need it don’t buy it – There are a lot of extra add-on coverages that sound like a good idea at the time on your SX4 policy. Coverages like coverage for rental cars, better glass coverage, and additional equipment coverage are examples of these. These may sound like a good investment when deciding what coverages you need, but if you’ve never needed them in the past consider taking them off your policy.

Where you reside can affect premiums – Living in a small town has definite advantages when insuring your vehicles. Fewer drivers and short commutes means reduced accidents. People who live in big cities have much more traffic and longer commutes to work. Spending more time driving statistically corresponds to a higher accident and claim rate.

Qualify for multi-policy discounts – Most car insurance companies apply better rates to customers that have more than one policy in the form of a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. Even if you qualify for this discount already, it’s always a smart idea to check prices from other companies to make sure you are getting the best deal. Consumers may save even more by buying from different companies

Safer occupants lowers prices – Vehicles with good safety scores tend to have better insurance rates. Safe vehicles protect occupants better and lower rates of occupant injuries translates into savings for insurance companies and lower rates for you.

Experienced drivers are lower risk – Young drivers in New Jersey tend to be more careless when behind the wheel so car insurance rates are higher. Parents adding a teenage driver to your policy can be quite pricey. Older drivers are shown to be more cautious, statistically cause fewer accidents, and are safer drivers.

The following data uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.

The companies shown below can provide free rate quotes in New Jersey. If you wish to find cheap auto insurance in Jersey City, it’s highly recommended you get rate quotes from several of them to get a more complete price comparison.

Rates and data analysis

The table below highlights estimates of coverage prices for Suzuki SX4 models. Having a better idea how insurance premiums are determined is important for you to make smart choices when choosing a car insurance company.

Suzuki SX4 Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SX4 LE $354 $860 $582 $34 $174 $2,004 $167
SX4 2WD $406 $706 $582 $34 $174 $1,902 $159
SX4 Sport S $406 $1012 $582 $34 $174 $2,208 $184
SX4 Sport SE $406 $1012 $582 $34 $174 $2,208 $184
SX4 Technology 2WD $406 $860 $582 $34 $174 $2,056 $171
SX4 Sportback 2WD $406 $860 $582 $34 $174 $2,056 $171
SX4 AWD AWD $406 $860 $582 $34 $174 $2,056 $171
SX4 Sport GTS $406 $1012 $582 $34 $174 $2,208 $184
SX4 Technology AWD $458 $860 $582 $34 $174 $2,108 $176
SX4 Touring AWD $458 $860 $582 $34 $174 $2,108 $176
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Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Information does not factor in the specific area where the vehicle is garaged which can increase or decrease prices considerably.

Rate comparison for different deductibles

One common question asked by Jersey City drivers is which deductibles should you choose. The rates below help summarize the rate differences between high and low insurance deductibles. The first data table uses a $100 physical damage coverage deductible and the second set of rates uses a $500 deductible.

Suzuki SX4 insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SX4 LE $360 $746 $480 $28 $144 $1,783 $149
SX4 2WD $414 $614 $480 $28 $144 $1,705 $142
SX4 Sport S $414 $880 $480 $28 $144 $1,971 $164
SX4 Sport SE $414 $880 $480 $28 $144 $1,971 $164
SX4 Technology 2WD $414 $746 $480 $28 $144 $1,837 $153
SX4 Sportback 2WD $414 $746 $480 $28 $144 $1,837 $153
SX4 AWD AWD $414 $746 $480 $28 $144 $1,837 $153
SX4 Sport GTS $414 $880 $480 $28 $144 $1,971 $164
SX4 Technology AWD $466 $746 $480 $28 $144 $1,889 $157
SX4 Touring AWD $466 $746 $480 $28 $144 $1,889 $157
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Suzuki SX4 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SX4 LE $264 $504 $480 $28 $144 $1,420 $118
SX4 2WD $302 $414 $480 $28 $144 $1,368 $114
SX4 Sport S $302 $594 $480 $28 $144 $1,548 $129
SX4 Sport SE $302 $594 $480 $28 $144 $1,548 $129
SX4 Technology 2WD $302 $504 $480 $28 $144 $1,458 $122
SX4 Sportback 2WD $302 $504 $480 $28 $144 $1,458 $122
SX4 AWD AWD $302 $504 $480 $28 $144 $1,458 $122
SX4 Sport GTS $302 $594 $480 $28 $144 $1,548 $129
SX4 Technology AWD $340 $504 $480 $28 $144 $1,496 $125
SX4 Touring AWD $340 $504 $480 $28 $144 $1,496 $125
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Premium amounts do not factor in vehicle location which can increase or decrease auto insurance rates greatly.

We can estimate from the data above that using a $100 deductible costs roughly $32 more each month or $384 a year averaged for all SX4 models than choosing the higher $500 deductible. Since the policyholder would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at least 13 months between claim filings, you would most likely save money if you opt for a higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $100 deductibles: $156
Average monthly premium for $500 deductibles (subtract): – $124
Monthly savings from raising deductible: $32
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $32
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

One thing to be aware of is that raising deductibles results in more money out-of-pocket when you do file a claim. You need to make sure you have enough money put aside in order to pay more for the deductible.

The example below shows how choosing a deductible and can increase or decrease Suzuki SX4 annual premium costs for different age groups. Data assumes a single male driver, full coverage, and no discounts are factored in.

Car insurance is not optional in New Jersey

Despite the high insurance cost for a Suzuki SX4 in Jersey City, insuring your vehicle may be required for several reasons.

First, most states have minimum liability requirements which means you are required to carry specific limits of liability protection if you want to drive legally. In New Jersey these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you have a lien on your vehicle, almost all lenders will have a requirement that you have insurance to guarantee payment of the loan. If you let the policy lapse, the lender may have to buy a policy to insure your Suzuki at a much higher premium rate and force you to reimburse them for the expensive policy.

Third, car insurance protects both your Suzuki SX4 and your personal assets. Insurance will also pay for most medical and hospital costs incurred in an accident. One policy coverage, liability insurance, will also pay for a defense attorney if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.

The benefits of buying car insurance outweigh the cost, particularly when you have a large claim. Today the average American driver overpays as much as $830 a year so it’s important to compare rates each time the policy renews to ensure rates are competitive.

Earn discounts to get lower-cost Jersey City car insurance quotes

Auto insurance companies don’t always list every available discount in an easy-to-find place, so below is a list some of the more common and the more hidden ways to save on car insurance.Save money with discounts

Policy discounts save money, but most credits do not apply to the entire policy premium. Most only cut specific coverage prices like comp or med pay. So when the math indicates all the discounts add up to a free policy, car insurance companies aren’t that generous.

The information below compares Suzuki SX4 insurance premiums with and without discounts applied to the rates. The prices are based on a female driver, no driving violations, no at-fault accidents, New Jersey 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 marriage, homeowner, safe-driver, multi-car, multi-policy, and claim-free discounts applied.

Larger car insurance companies and their possible discounts are shown below.

If you need low cost Jersey City car insurance quotes, ask all companies you are considering to give you their best rates. A few discounts may not apply to policies in Jersey City.

Compare rate quotes but buy from a local Jersey City insurance agency

Many people would prefer to sit down with an agent and that is recommended in a lot of cases Experienced insurance agents are trained risk managers and give you someone to call. The biggest benefit of comparing insurance prices online is the fact that drivers can get cheap rate quotes and also buy local.

Insurance agents in Jersey CityOnce you complete this simple form, the quote information is instantly submitted to agents in your area who will give competitive quotes for your insurance coverage. It’s much easier because you don’t need to leave your house because prices are sent immediately to you. In the event you want to quote rates from one company in particular, don’t hesitate to go to their quote page and complete a quote there.

Deciding on an provider should include more criteria than just the premium amount. The answers to these questions are important, too.

Best car insurance company in New Jersey

Picking a highly-rated auto insurance company is difficult considering how many choices you have in New Jersey. The company rank data shown below may help you analyze which companies to look at comparing price quotes from.

Jersey City, New Jersey Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Mercury Insurance 87 96 100 87% A+ 93.4
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
Allstate 69 92 92 83% A+ 84.4
American Family 77 96 80 85% A 83.8
Esurance 70 80 89 77% A+ 79.2
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Data Source: Best Car Insurance Companies

More quotes mean more car insurance savings

There are still a few companies who don’t offer the ability to get a quote online and most of the time these small, regional companies sell through independent insurance agencies. Lower-priced Suzuki SX4 insurance in Jersey City can be sourced online as well as from insurance agents, and you need to comparison shop both to have the best chance of lowering rates.

As you restructure your insurance plan, you should never sacrifice coverage to reduce premiums. In too many instances, someone sacrificed physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your strategy should be to find the BEST coverage for the lowest cost and still be able to protect your assets.

How to find low-cost rates for Suzuki SX4 insurance in Jersey City

The recommended way to get the cheapest Suzuki SX4 insurance in Jersey City is to do a yearly price comparison from insurance carriers who provide car insurance in New Jersey. You can shop around by following these steps.

  1. Read about coverages and the factors you can control to prevent rate increases. Many rating factors that cause rate increases like high-risk driving behaviors and a low credit rating can be amended by being financially responsible and driving safely.
  2. Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from one company like Progressive or Allstate, while independent agencies can provide prices for a wide range of companies.
  3. Compare the new rates to your existing policy to see if a cheaper rate is available. If you can save money and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Give proper notification to your current agent or company of your intent to cancel your current coverage and submit payment along with a signed and completed policy application for your new policy. As soon as you receive it, store the certificate of insurance in an easily accessible location.

A good piece of advice is that you use the same coverage limits and deductibles on every price quote and and to look at as many companies as you can. Doing this provides a fair price comparison and the best price selection.

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