Cheap Suzuki SX4 Insurance in Henderson

Sad but true, nearly 70% of consumers have remained with the same insurance company for more than four years, and just under half have never compared rates from other carriers. American drivers could save an average of about 47% each year by just shopping around, but they feel it’s too difficult to compare other rate quotes.

Discount Suzuki SX4 insuranceThe best way to find better pricing on car insurance rates is to start doing a yearly price comparison from insurers who sell auto insurance in Henderson. This can be done by following these guidelines.

One bit of advice is that you use identical coverage information on each quote request and and to get rates from as many companies as feasibly possible. Doing this provides an accurate price comparison and a complete price analysis.

If you have a current insurance policy or want to find a cheaper company, take advantage of these tips to lower your rates while maintaining coverages. Locating the most cost-effective insurance policy in Henderson is not that difficult. Comparison shoppers just need to know the least time-consuming way to buy insurance from many companies at once.

How to find the cheapest Suzuki SX4 insurance in Henderson, Nevada

Getting a cheaper price on insurance doesn’t have to be difficult. All that’s required is to take the time getting comparison quotes from some recommended companies.

Getting free rates online is quite simple, and it makes it obsolete to spend time driving to different Henderson agent offices. Comparing Suzuki SX4 insurance rates online has made agencies unnecessary unless your situation requires the professional guidance that only a licensed agent can provide. If you prefer, some companies allow you to comparison shop your insurance online but have your policy serviced through an agent.

The providers in the list below can provide quotes in Henderson, NV. If multiple companies are listed, we recommend you get price quotes from several of them to find the most competitive car insurance rates.

Rates and detailed analysis

The data table shown below highlights a range of insurance costs for Suzuki SX4 models. Being aware of how rates are figured can help you make informed decisions when comparing rate quotes.

Suzuki SX4 Insurance Rates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SX4 LE $132 $276 $296 $18 $88 $810 $68
SX4 2WD $150 $226 $296 $18 $88 $778 $65
SX4 Sport S $150 $324 $296 $18 $88 $876 $73
SX4 Sport SE $150 $324 $296 $18 $88 $876 $73
SX4 Technology 2WD $150 $276 $296 $18 $88 $828 $69
SX4 Sportback 2WD $150 $276 $296 $18 $88 $828 $69
SX4 AWD AWD $150 $276 $296 $18 $88 $828 $69
SX4 Sport GTS $150 $324 $296 $18 $88 $876 $73
SX4 Technology AWD $170 $276 $296 $18 $88 $848 $71
SX4 Touring AWD $170 $276 $296 $18 $88 $848 $71
Get Your Own Custom Quote Go

Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Prices do not factor in specific location which can increase or decrease coverage rates greatly.

Physical damage deductibles: Should you raise them?

One frequently asked question is how high should the physical damage deductibles be. The premium rates below summarize the differences in price between low and high physical damage coverage deductibles. The first data set uses a $250 physical damage deductible and the second set of rates uses a $500 deductible.

Suzuki SX4 insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SX4 LE $208 $402 $308 $18 $92 $1,053 $88
SX4 2WD $238 $330 $308 $18 $92 $1,011 $84
SX4 Sport S $238 $472 $308 $18 $92 $1,153 $96
SX4 Sport SE $238 $472 $308 $18 $92 $1,153 $96
SX4 Technology 2WD $238 $402 $308 $18 $92 $1,083 $90
SX4 Sportback 2WD $238 $402 $308 $18 $92 $1,083 $90
SX4 AWD AWD $238 $402 $308 $18 $92 $1,083 $90
SX4 Sport GTS $238 $472 $308 $18 $92 $1,153 $96
SX4 Technology AWD $268 $402 $308 $18 $92 $1,113 $93
SX4 Touring AWD $268 $402 $308 $18 $92 $1,113 $93
Get Your Own Custom Quote Go

Suzuki SX4 insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SX4 LE $168 $324 $308 $18 $92 $910 $76
SX4 2WD $194 $266 $308 $18 $92 $878 $73
SX4 Sport S $194 $382 $308 $18 $92 $994 $83
SX4 Sport SE $194 $382 $308 $18 $92 $994 $83
SX4 Technology 2WD $194 $324 $308 $18 $92 $936 $78
SX4 Sportback 2WD $194 $324 $308 $18 $92 $936 $78
SX4 AWD AWD $194 $324 $308 $18 $92 $936 $78
SX4 Sport GTS $194 $382 $308 $18 $92 $994 $83
SX4 Technology AWD $218 $324 $308 $18 $92 $960 $80
SX4 Touring AWD $218 $324 $308 $18 $92 $960 $80
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in your specific Henderson location which can influence insurance rates significantly.

We can estimate from the data above that using a $250 deductible could cost the average driver approximately $13 more each month or $156 each year across all Suzuki SX4 models than opting for the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 19 months between claims, you would probably save some money if you opt for a higher deductible. The numbers below show the way you can do this calculation yourself.

Average monthly premium for $250 deductibles: $92
Average monthly premium for $500 deductibles (subtract): – $79
Monthly savings from raising deductible: $13
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $13
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

One big caveat is that a higher deductible level means you will have to cover more of the damage yourself when you do file a claim. You need to have enough money stashed away in order to pay the deductible to have repairs made.

Men versus women drivers and insurance cost

The information below illustrates the comparison of Suzuki SX4 auto insurance costs for male and female drivers. The rates are based on no claims or driving citations, comp and collision included, $500 deductibles, drivers are single, and no discounts are taken into consideration.

Cost comparison with and without full coverage

The chart below illustrates the difference between Suzuki SX4 car insurance rates with full physical damage coverage and with liability coverage only. The premiums assume no driving violations, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are factored in.

Guidelines for eliminating full coverage

There is no definitive rule for dropping physical damage insurance, but there is a general school of thought. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then you might consider buying liability only.

For example, let’s pretend your Suzuki SX4 book value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $7,000 after paying the physical damage deductible. If premium cost is more than $700 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.

There are a few situations where removing full coverage is not a good idea. If you still have a loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not opt for liability only.

Why you need insurance for your Suzuki SX4

Despite the high cost, buying insurance serves a purpose in several ways.

First, most states have minimum liability requirements which means you are required to buy a minimum amount of liability coverage if you don’t want to risk a ticket. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a loan on your vehicle, it’s guaranteed your bank will stipulate that you have full coverage to protect their interest in the vehicle. If you do not keep the policy in force, the lender may have to buy a policy to insure your Suzuki for a lot more money and force you to pay the higher premium.

Third, insurance protects both your assets and your vehicle. It also can pay for many types of medical costs for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, also covers legal expenses if someone files suit against you as the result of an accident. If you have damage to your Suzuki as the result of the weather or an accident, your policy will pay to repair the damage minus the deductible amount.

The benefits of carrying enough insurance greatly outweigh the cost, especially with large liability claims. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $865 each year so you should quote your policy with other companies each time the policy renews to help ensure money is not being wasted.

You Can Change Your Insurance Premiums

A large part of saving on auto insurance is knowing the different types of things that aid in calculating the level of your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this enables informed choices that could help you find lower auto insurance prices. Many different elements are part of the calculation when quoting car insurance. Some are pretty understandable such as your driving record, but others are less apparent such as your credit history or how financially stable you are.

Shown below are some of the items used by companies to determine your prices.

Get cheaper Suzuki SX4 insurance rates in Henderson

Auto insurance companies don’t list their entire list of discounts very well, so the following is a list of both well-publicized and the harder-to-find discounts you could be receiving when you buy Henderson auto insurance online. If you do not check that you are getting every discount you qualify for, you may be paying too high a price.Cheaper auto insurance with discounts

Discounts lower rates, but most discount credits are not given to the overall cost of the policy. Most only cut individual premiums such as medical payments or collision. So when it seems like you would end up receiving a 100% discount, auto insurance companies aren’t that generous. But any discount will bring down your auto insurance premiums.

The information below illustrates the difference between Suzuki SX4 car insurance costs with and without discounts applied to the premium. The data assumes a female driver, no violations or accidents, Nevada state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, homeowner, claim-free, safe-driver, and multi-car discounts applied.

A few of the larger companies and the discounts they provide are outlined below.

Before purchasing a policy, check with every company which credits you are entitled to. Savings may not apply in Henderson. To locate providers that have a full spectrum of discounts in Nevada, click this link.

You are unique and your insurance should be too

When buying adequate coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s needs are different.Drive safe and save

For example, these questions may help highlight whether or not you would benefit from an agent’s advice.

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and may give you better protection.

Exclusive versus independent auto insurance agents

A lot of people prefer to have an agent’s advice and that is recommended in a lot of cases Good agents can point out coverage gaps and will help you if you have claims. A nice benefit of comparing insurance online is that you can find lower premium rates and still have an agent to talk to. Putting coverage with neighborhood insurance agencies is important particularly in Henderson.

For easy comparison, once you complete this simple form, your insurance data is transmitted to local insurance agents in Henderson that give free quotes and help you find cheaper coverage. You never need to contact any agents due to the fact that quote results will go instantly to you. If you wish to compare prices from a specific company, you would need to find their quoting web page and complete a quote there.

If you prefer to buy insurance from a reliable insurance agency, you should know the types of agencies and how they function. Insurance agents can either be independent or exclusive depending on the company they work for. Both types can write insurance policies, but we need to point out how they differ since it may influence which type of agent you select.

Independent Agencies or Brokers

Agents in the independent channel are not required to write business for one company and that allows them to write policies amongst many companies and find you the best rates. If they find a lower price, they simply move your policy to a different company and you don’t have to find a new agent. If you need cheaper insurance rates, we recommend you get rate quotes from several independent insurance agents for maximum quote selection.

Listed below is a list of independent agents in Henderson that may be able to give you free insurance quotes.

Safeco Insurance
2736 Marie Antoinette StHenderson, NV 89044(866) 694-9046View Map

3481 E Sunset Rd #100Las Vegas, NV 89120(702) 220-8640View Map

1399 Galleria Dr #201Henderson, NV 89014(702) 871-0001View Map

More insurance agents

Exclusive Agencies

Agents that elect to be exclusive generally can only insure with one company like Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agencies are unable to give you multiple price quotes so it’s a take it or leave it situation. Exclusive agencies are well trained on sales techniques and that allows them to sell at a higher price point.

Shown below are Henderson exclusive insurance agents that are able to give price quotes.

2520 St Rose Pkwy #103Henderson, NV 89074(702) 479-1570View Map

Sam King – State Farm Insurance Agent
2253 N Green Valley PkwyHenderson, NV 89014(702) 435-0222View Map

223 S Water St bHenderson, NV 89015(702) 279-4299View Map

More insurance agents

Choosing the best car insurance agent should depend on more than just the bottom line cost. The answers to these questions are important, too.

Nevada car insurance companies

Ending up with a good quality auto insurance provider is hard considering how many choices there are in Nevada. The rank data shown next may help you choose which car insurance providers you want to consider when shopping your coverage around.

Best Car Insurance Companies in Henderson
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
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
Compare Rates Now Go

Data Source: Best Car Insurance Companies

One last thing about your coverage

Cheaper insurance in Henderson can be found on the web and with local Henderson insurance agents, and you should compare rates from both so you have a total pricing picture. Some insurance providers don’t offer the ability to get a quote online and these small, regional companies work with local independent agencies.

Consumers leave their current company for many reasons like questionable increases in premium, high prices, delays in paying claims or poor customer service. It doesn’t matter why you want to switch switching insurance companies is not as difficult as it may seem.

When shopping online for insurance, it’s not a good idea to buy poor coverage just to save money. In too many instances, an accident victim reduced liability coverage limits only to regret that their decision to reduce coverage ended up costing them more. The goal is to buy the best coverage you can find at the lowest possible cost, not the least amount of coverage.

Additional resources