Best Insurance for a Suzuki SX4 in New Orleans

Having to pay for high-priced insurance in New Orleans can stress out your funds and make it tough to pay other bills. Performing a rate comparison is free, only takes a few minutes, and is a good way to lower your bills every month.

Insurance for Suzuki SX4Unbelievable but true according to a study the vast majority of consumers renewed their policy with the same company for over three years, and nearly half have never shopped around. Most drivers in New Orleans could save approximately 35% a year just by getting comparison quotes, but most undervalue how much they could save if they moved their coverage to a different company.

Because you have many companies to choose from that have affordable insurance for a Suzuki SX4 in New Orleans, it can be hard to locate the most cost effective insurance provider.

Consumers need to compare premium rates once or twice a year since prices change regularly. Just because you found the best deal on Suzuki SX4 insurance in New Orleans six months ago you may be paying too much now. Ignore everything you know about insurance because I’m going to teach you one of the quickest ways to find lower rates on insurance.

Comparing quotes for cheaper insurance coverage in New Orleans is easy if you know what you’re doing. In a nutshell, every driver who is shopping for insurance will more than likely be able to find better rates. Although Louisiana car owners benefit from understanding the way companies price insurance differently and take advantage of how the system works.

To find the best car insurance quotes, there are several ways of comparing rates from many different Louisiana insurance companies. The recommended way to find competitive insurance rates consists of shopping online.

Comparison shopping quotes online is easy and it replaces the need to go to insurance agencies in your area. Quoting and buying Suzuki SX4 insurance online eliminates this option unless you want the extra assistance that only an agent can give. It is possible to price shop your coverage online but buy from a local insurance agent.

Keep in mind that making a lot of price comparisons provides better odds of finding a lower rate than you’re paying now.

The companies in the list below are ready to provide price comparisons in Louisiana. If multiple companies are listed, it’s highly recommended you get rates from several of them to get a more complete price comparison.

Three reasons to not skimp on insurance

Despite the high cost, insurance is required for several reasons.

The benefits of buying insurance outweigh the cost, especially with large liability claims. On average, a vehicle owner in New Orleans overpays as much as $700 annually so you should quote rates every year to help ensure money is not being wasted.

Analysis of Suzuki SX4 rates

The coverage information shown next outlines different policy rates for Suzuki SX4 models. Learning how policy rates are established can help you make decisions on the best policy coverages.

Suzuki SX4 Insurance Rates in New Orleans, LA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SX4 LE $218 $502 $524 $32 $158 $1,434 $120
SX4 2WD $250 $412 $524 $32 $158 $1,376 $115
SX4 Sport S $250 $592 $524 $32 $158 $1,556 $130
SX4 Sport SE $250 $592 $524 $32 $158 $1,556 $130
SX4 Technology 2WD $250 $502 $524 $32 $158 $1,466 $122
SX4 Sportback 2WD $250 $502 $524 $32 $158 $1,466 $122
SX4 AWD AWD $250 $502 $524 $32 $158 $1,466 $122
SX4 Sport GTS $250 $592 $524 $32 $158 $1,556 $130
SX4 Technology AWD $284 $502 $524 $32 $158 $1,500 $125
SX4 Touring AWD $284 $502 $524 $32 $158 $1,500 $125
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Table data does not factor in specific zip code location which can modify premium rates significantly.

Illustration showing the impact of accidents and violations

The diagram below demonstrates how speeding tickets and at-fault accidents can influence Suzuki SX4 insurance costs for different age groups. The premiums assume a married male driver, full coverage, $100 deductibles, and no discounts are applied to the premium.

Suzuki SX4 full coverage rates compared to liability only

The example below shows the comparison of Suzuki SX4 annual premium costs with and without full coverage. The prices are based on no driving violations, no at-fault accidents, $500 deductibles, drivers are not married, and no discounts are factored in.

When to drop comprehensive and collision

There is no set guideline for dropping physical damage coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let’s assume your Suzuki SX4 replacement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $5,000 after you pay the deductible. If you are paying over $500 annually for comprehensive and collision coverage, then it could be time to drop full coverage.

There are some cases where only buying liability is not a good plan. If you still owe money on your vehicle, you are required to maintain full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should keep full coverage.

Verify you’re applying every discount

Some companies don’t always advertise all possible discounts very well, so the following is a list of some of the more common as well as the least known credits that may apply to you.Cheaper car insurance with discounts

As a disclaimer on discounts, some credits don’t apply to the overall cost of the policy. Most only apply to individual premiums such as comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, it just doesn’t work that way. But any discount will reduce the cost of your policy.

The example below shows the comparison of Suzuki SX4 insurance rates with and without discounts applied. The data is based on a male driver, no claims or driving violations, Louisiana state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-car, safe-driver, multi-policy, and homeowner discounts applied.

A few companies that may offer quotes with most of these discounts include:

Before purchasing a policy, check with each company or agent which discounts you may be entitled to. Discounts may not apply to policies in every state.

You are unique and your auto insurance should be too

Always keep in mind that when comparing proper insurance coverage for your vehicles, there really isn’t a one-size-fits-all type of policy. Your needs are unique to you so this has to be addressed.Safe vehicles cost less to insure
For example, these questions can help discover whether or not you might need an agent’s assistance.

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier