Cheapest Insurance for a Suzuki Equator in Lexington

Want to learn the secrets to finding low-cost Suzuki Equator insurance in Lexington? Are you overwhelmed by the wide range of insurance sources that you can choose from? Many other drivers are too. There are such a large number of options that it can be a ton of work to find a cheaper company. Lexington is the perfect city to reside in, but paying high insurance rates can make it nearly impossible to purchase enough protection.

Steps to finding affordable Suzuki Equator insurance in Lexington

The most effective way to save money on Suzuki Equator insurance is to start doing an annual price comparison from insurance carriers that insure vehicles in Lexington.

1. Gain an understanding of how car insurance works and the factors you can control to drop your rates. Many rating criteria that result in higher prices such as speeding and a substandard credit score can be eliminated by paying attention to minor details.
2. Quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like Progressive and State Farm, while agents who are independent can quote prices from multiple companies.
3. Compare the new rate quotes to the premium of your current policy to see if you can save by switching companies. If you find a better price and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

A good tip to remember is that you use the same coverage limits and deductibles on every quote request and and to look at as many companies as feasibly possible. This provides an apples-to-apples comparison and a complete selection of prices.

Smart shoppers know that car insurance companies want to prevent you from shopping around. People who compare rates at least once a year will most likely switch companies because there is a significant possibility of finding good coverage at a lower price. A recent insurance study revealed that consumers who regularly compared price quotes saved approximately $850 each year compared to other drivers who don’t make a habit of comparing rates.

If finding the best price on Suzuki Equator insurance in Lexington is why you’re reading this, then learning about how to get free comparison quotes and analyze coverage rates can make the process more efficient.

It’s a good idea to do price comparisons before your next renewal since insurance rates fluctuate regularly. Even if you got the lowest premium rates on Suzuki Equator insurance in Lexington at your last renewal other companies may now be cheaper. You can find a lot of information about Equator insurance on the web, but in a few minutes you can learn some good information on how to save money.

If you have coverage now, you should be able to buy cheaper auto insurance using the concepts covered in this article. The purpose of this post is to help educate you on how auto insurance companies operate and some money-saving tips. Although Kentucky vehicle owners need to have an understanding of how big insurance companies price insurance differently and use it to your advantage.

Suzuki Equator insurance discounts in Lexington

Some insurance providers don’t necessarily list every available discount in a way that’s easy to find, so we researched a few of the more well known as well as some of the hidden discounts that you can inquire about if you buy Lexington auto insurance online.

• Pay Early and Save – By paying your entire bill at once instead of making monthly payments you may reduce your total bill.
• Defensive Driving Course – Participating in a safe driver course could possibly earn you a 5% discount and easily recoup the cost of the course.
• Driving Data Discount – Lexington drivers who agree to allow companies to spy on when and where they use their vehicle through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if they exhibit good driving behavior.
• Paperwork-free – A handful of larger companies provide a small discount for signing up on their website.
• Braking Control Discount – Cars and trucks that have steering control and anti-lock brakes can stop better under adverse conditions and will save you 10% or more on Equator insurance in Lexington.
• Good Grades Discount – A discount for being a good student can get you a discount of up to 25%. Many companies even apply the discount to college students up to age 25.

Keep in mind that some credits don’t apply to the overall cost of the policy. Most only reduce specific coverage prices like comprehensive or collision. Even though the math looks like it’s possible to get free car insurance, you aren’t that lucky.

The illustration below illustrates the difference between Suzuki Equator car insurance costs with and without discounts applied to the rates. The costs are based on a male driver, no claims or violations, Kentucky state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-car, homeowner, marriage, and multi-policy discounts applied.

Companies who might offer these discounts include:

• State Farm
• American Family
• AAA
• GEICO
• Mercury Insurance
• Farmers Insurance
• Progressive

If you want affordable Lexington auto insurance quotes, ask all companies you are considering how you can save money. Savings might not apply in Lexington. If you would like to see a list of insurers who offer online Suzuki Equator insurance quotes in Lexington, click here to view.

The most recommended method to compare rates for Suzuki Equator insurance in Lexington is to know the trick most of the bigger providers participate in a system to compare their rates. To begin a comparison, all you need to do is give them some information like if the vehicle is leased, driver details, whether you are single or married, and whether you have decent credit. The data gets sent immediately to all major companies and they return quotes instantly to find the best rate.

If you wish to get multiple quotes for your Suzuki Equator now, click here and enter your coverage details.

The following companies are our best choices to provide quotes in Kentucky. If multiple companies are listed, we recommend you visit as many as you can in order to get a fair rate comparison.

Car insurance analysis for a Suzuki Equator

The price information displayed below covers a range of insurance premium costs for Suzuki Equator models. Understanding more about how insurance prices are determined is important for you to make informed decisions.

Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rates do not factor in specific location information which can increase or decrease prices greatly.

Physical damage deductible comparison

One frequently asked question is what deductibles to buy. The following insurance rates lay out the differences in price between low and high insurance deductibles. The first rate quote example uses a $250 deductible for comp and collision and the second set of rates uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Price estimates do not factor in vehicle garaging location which can change insurance rates noticeably.

We can derive from the above data that using a $250 deductible costs roughly $24 more each month or $288 each year across all Suzuki Equator models than buying the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 31 months between claim filings, you would come out ahead if you choose the higher deductible.

One big caveat is that increasing deductibles to lower your rates results in a higher out-of-pocket expense when you have a physical damage claim. You need enough disposable income in the event you need to pay the deductible for vehicle repair.

The information below highlights how deductible selection and can increase or decrease Suzuki Equator annual premium costs for each different age category. The premiums are based on a single male driver, full coverage, and no discounts are applied.

Auto insurance quotes from local neighborhood Lexington car insurance agents

Some consumers would prefer to sit down and talk to an agent and doing that can be a smart decision A good thing about price shopping on the web is you may find cheap auto insurance rates and still have a local agent. Supporting local insurance agents is still important in Lexington.

To help locate an agent, after submitting this form (opens in new window), your insurance coverage information is immediately sent to agents in your area that can give you free Lexington auto insurance quotes and help you find cheaper coverage. You won’t even need to find an agent on your own because quoted prices will be sent immediately to you. You can find the lowest rates and a licensed agent to talk to. In the event you want to compare prices from a specific insurance company, feel free to search and find their rate quote page to submit a rate quote request.

When finding a reputable insurance agent or broker, there are two types of insurance agents and how they function. Agents in Lexington are classified as either independent or exclusive depending on the company they work for.

Independent Auto Insurance Agents

These agents often have many company appointments so they can quote policies through many different auto insurance companies and get you the best rates possible. If your agent finds better pricing, your policy is moved internally and the insured can keep the same agent.

When comparing rate quotes, you need to get several quotes from several independent insurance agents to get the most accurate price comparison. Most also write with small mutual carriers that may have much lower rates than larger companies.

The following are independent insurance agents in Lexington that can possibly get you free auto insurance quotes.

• KY Insurance and Investment Grp
  3320 Clays Mill Rd Suite 214 – Lexington, KY 40503 – (859) 224-0316 – View Map
• Barnes Insurance Center
  1202 Winchester Rd #100 – Lexington, KY 40505 – (859) 253-2728 – View Map
• Kentucky Insurance Group-Joe Downs
  989 Governors Ln – Lexington, KY 40513 – (859) 277-8877 – View Map

View more agents

Exclusive Insurance Agencies

Agents that choose to be exclusive can only quote rates from one company such as Allstate, State Farm and Farmers Insurance. Exclusive agencies are unable to provide other company’s prices so they have no alternatives for high prices. These agents are highly trained in insurance sales and that allows them to sell at a higher price point. Some insured continue to use the same exclusive agent mostly because of the brand legacy and the convenience of having a single billing for all their coverages.

The following is a short list of exclusive insurance agents in Lexington who can help you get price quote information.

• Russ Tucker – State Farm Insurance Agent
  1206 N Broadway – Lexington, KY 40505 – (859) 259-0404 – View Map
• Dawn Stice – State Farm Insurance Agent
  121 Prosperous Pl Ste 11A – Lexington, KY 40509 – (859) 271-2277 – View Map
• State Farm: Bethany Hicks
  1050 Chinoe Rd #100 – Lexington, KY 40502 – (859) 264-0246 – View Map

View more agents

Finding the right insurance agency should depend on more than just a cheap price. Below are some questions you should ask.

• Is there a local claims center in Lexington?
• Is insurance their full-time profession?
• Are aftermarket or OEM parts used to repair vehicles?
• Is every driver in your family covered?
• Is coverage determined by price?
• How much experience to they have in personal lines coverages?

Frequent quotes can save

Insureds who switch companies do it for a number of reasons such as questionable increases in premium, delays in paying claims, poor customer service or even being labeled a high risk driver. No matter why you want to switch, choosing a new company is easier than you think.

While you’re price shopping online, never sacrifice coverage to reduce premiums. There are a lot of situations where drivers have reduced liability limits or collision coverage and found out when filing a claim that they should have had better coverage. The goal is to get the best coverage possible at a price you can afford.

You just read some good ideas how to compare Suzuki Equator insurance car insurance rates in Lexington. It’s most important to understand that the more times you quote, the higher the chance of saving money. You may even find the best car insurance rates are with some of the lesser-known companies.

How to buy lower priced Suzuki Equator insurance in Lexington

Really, the only way to find low-cost prices for car insurance rates is to compare prices once a year from insurers who can sell car insurance in Lexington. You can shop around by completing these steps.

1. Learn about car insurance and the steps you can take to keep rates in check. Many rating factors that increase rates such as tickets, at-fault accidents, and a lousy credit rating can be improved by improving your driving habits or financial responsibility.
2. Compare rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from a single company like GEICO or Allstate, while agents who are independent can quote prices from many different companies.
3. Compare the new quotes to the premium of your current policy to see if a cheaper rate is available. If you find better rates and switch companies, make sure coverage does not lapse between policies.
4. Notify your company or agent to cancel your existing policy. Submit a down payment along with a completed application to the new insurer. Once coverage is bound, store the certificate verifying proof of insurance in an easily accessible location in your vehicle.

A crucial key to this process is that you use identical coverages on every quote request and and to get rates from as many companies as you can. This enables an accurate price comparison and the best price selection.

Additional auto insurance information can be read below:

• Auto Insurance Facts and Statistics (Insurance Information Institute)
• Who Has the Cheapest Lexington Car Insurance Rates for Drivers Over Age 50? (FAQ)
• What to do at the Scene of an Accident (Insurance Information Institute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Understanding Limits and Deductibles (Allstate)