The easiest way to get discount Suzuki SX4 insurance is to start comparing prices regularly from providers who can sell car insurance in Honolulu. This can be done by following these guidelines.
Step 1: Try to learn about policy coverages and the changes you can make to prevent high rates. Many rating factors that are responsible for high rates such as at-fault accidents, careless driving, and an unacceptable credit score can be improved by improving your driving habits or financial responsibility. Later in this article we will cover tips to help find cheaper rates and get bigger discounts.
Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like GEICO and State Farm, while independent agents can quote prices for a wide range of companies.
Step 3: Compare the new rates to your existing coverage to determine if switching companies saves money. If you can save money and decide to switch, make sure there is no coverage gap between policies.
Step 4: Give proper notification to your current agent or company of your intent to cancel your current car insurance policy and submit a completed policy application and payment to your new company or agent. As soon as you can, place your new certificate of insurance in an easily accessible location in your vehicle.
The key aspect of shopping around is to use identical coverage information on every quote request and to quote with as many different companies as possible. This enables an accurate price comparison and a good representation of prices.
It’s well known that auto insurance companies don’t want you to look at other companies. People who shop around annually are inclined to switch auto insurance companies because they have good chances of finding coverage at a more affordable price. A recent study showed that drivers who regularly compared price quotes saved approximately $3,400 over four years compared to drivers who don’t make a habit of comparing rates.
If finding the lowest rates on Suzuki SX4 insurance in Honolulu is the reason for your visit, then having a grasp of how to choose a company and compare auto insurance can help make the process easier.
Car insurance policy discounts for Suzuki SX4 insurance in Honolulu
Not many people think insurance is cheap, but you might already qualify for some discounts that you may not even be aware of. Some discounts will apply when you quote, but a few need to be requested specifically prior to receiving the credit.
- Save with More Vehicles Insured – Buying a policy with primary and secondary vehicles on one policy can reduce the rates for all insured vehicles.
- No Charge for an Accident – Not a discount per se, but companies like Liberty Mutual and GEICO may permit one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
- Cautious Drivers – Insureds who avoid accidents can save as much as half off their rates as compared to drivers with claims.
- Driver Safety – Passing a defensive driving course may get you a small discount and make you a better driver.
- Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
- Include Life Insurance and Save – Not all companies offer life insurance, but some may give you a break if you buy life insurance from them.
- Drive Less and Save – Fewer annual miles on your Suzuki may enable drivers to earn slightly better rates than normal.
- Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class in high school.
- Theft Deterrent System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and can earn a small discount on your policy.
Keep in mind that most discount credits are not given to your bottom line cost. Most only apply to the price of certain insurance coverages like medical payments or collision. Despite the appearance that it’s possible to get free car insurance, it’s just not the way it works.
The illustration below illustrates the comparison of Suzuki SX4 car insurance costs with and without discounts applied to the policy premium. The premium estimates are based on a male driver, no driving violations, no at-fault accidents, Hawaii state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-policy, multi-car, marriage, and claim-free discounts applied.
A few companies that may include many of the previously listed discounts include:
If you want the cheapest Suzuki SX4 rate quotes, ask every company which discounts can lower your rates. Some discounts may not apply to policyholders in every state.
The following companies offer price comparisons in Hawaii. If multiple companies are listed, we recommend you visit as many as you can to get the cheapest price.
Rates and statistics
The rate table shown next covers estimates of insurance policy prices for Suzuki SX4 models. Having insight into how insurance prices are calculated is important for drivers to make decisions on the best policy to buy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|SX4 Sport S||$228||$500||$358||$22||$106||$1,214||$101|
|SX4 Sport SE||$228||$500||$358||$22||$106||$1,214||$101|
|SX4 Technology 2WD||$228||$424||$358||$22||$106||$1,138||$95|
|SX4 Sportback 2WD||$228||$424||$358||$22||$106||$1,138||$95|
|SX4 AWD AWD||$228||$424||$358||$22||$106||$1,138||$95|
|SX4 Sport GTS||$228||$500||$358||$22||$106||$1,214||$101|
|SX4 Technology AWD||$256||$424||$358||$22||$106||$1,166||$97|
|SX4 Touring AWD||$256||$424||$358||$22||$106||$1,166||$97|
|Get Your Own Custom Quote Go|
Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Information does not factor in Honolulu location which can influence price quotes considerably.
The chart below illustrates how choosing a deductible and can raise or lower Suzuki SX4 insurance costs for different age categories. The premiums are based on a single female driver, full physical damage coverage, and no discounts are applied to the premium.
Gender-based insurance premiums
The illustration below illustrates the difference between Suzuki SX4 yearly insurance costs for male and female drivers. The rate quotes are based on no violations or accidents, full coverage, $500 deductibles, marital status is single, and no other discounts are factored in.
Full coverage rates vs. liability-only
The chart below compares Suzuki SX4 insurance costs with liability coverage only compared to full coverage. The price estimates are based on no violations or accidents, $100 deductibles, drivers are single, and no discounts are applied to the premium.
When to stop buying comprehensive and collision coverage
There is no definitive formula that is best for determining when to drop physical damage coverage, but there is a guideline you can consider. If the yearly cost of full coverage is 10% or more of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your Suzuki SX4 replacement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, you would only receive $4,000 after paying your deductible. If you are paying over $400 a year to have full coverage, then you might want to consider buying only liability coverage.
There are some scenarios where eliminating full coverage is not recommended. If you still owe money on your vehicle, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should keep full coverage in place.
Learn How to Quote Car Insurance for Less
It’s important that you understand the different types of things that help calculate the rates you pay for car insurance. If you have some idea of what influences your rates, this enables you to make decisions that could result in better car insurance rates. Lots of things are considered when quoting car insurance. A few of the factors are predictable like a motor vehicle report, although some other factors are more obscure like your continuous coverage or how safe your car is.
The following are some of the factors companies use to determine premiums.
Eliminate incidental coverages – Insurance companies have many additional extra coverages that you can buy if you aren’t careful. Coverage for things like rental car reimbursement, accident forgiveness, and extra equipment coverage may be wasting your money. These coverages may sound good when talking to your agent, but if you have no use for them get rid of them and save.
Pleasure use saves money – The higher the miles on your Suzuki each year the more it will cost to insure it. Many insurance companies rate vehicles based upon how much you drive. Cars used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your SX4 is just wasting money. Ask your agent if your car insurance policy correctly shows the proper vehicle usage.
Better rates with anti-theft devices – Choosing to buy a car with a theft deterrent system can save you a little every year. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.
City traffic equals higher premiums – Choosing to live in smaller towns and rural areas of the country may provide you with better prices when talking about car insurance. Fewer drivers translates into fewer accidents in addition to lower liability claims. Drivers who live in large Hawaii cities regularly have congested traffic and more severe claims. More time on the road can result in more accidents.
Careless driving means higher rates – Having a clean driving record has a huge affect on how much you pay. Having just one ticket may increase your cost forty percent or more. Careful drivers get better rates as compared to careless drivers. People who have multiple citations such as hit and run, DWI or reckless driving convictions might be required by their state to maintain a SR-22 with their state’s licensing department in order to prevent a license revocation.
The diagram below shows how speeding tickets and at-fault accidents can impact Suzuki SX4 insurance rates for each different age group. The premiums are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.
Safety ratings are a factor – Cars with five star safety ratings are cheaper to insure. Safe vehicles result in less severe injuries and better occupant protection means less claims paid and more competitive rates for policyholders. If your Suzuki SX4 is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
Don’t I need to get advice from an agent?
Some consumers just want to buy from a licensed agent and that is not a bad decision Most agents are very good at helping people manage risk and help in the event of a claim. A nice benefit of getting online price quotes is the fact that you can find cheap auto insurance rates and still buy from a local agent. And buying from neighborhood insurance agencies is important particularly in Honolulu.
To make it easy to find an agent, after completing this form (opens in new window), the quote information is submitted to local insurance agents in Honolulu who will give competitive quotes to get your business. There is no need to find an agent since rate quotes are delivered to the email address you provide. If you have a need to compare rates from a specific insurance company, you would need to visit that company’s website and complete a quote there.
Two types of Honolulu car insurance agents
If you want to use a reliable insurance agent, it’s helpful to know the types of insurance agents from which to choose. Honolulu agents can be classified as either independent or exclusive. Both sell and service auto insurance coverage, but we need to point out the difference in how they write coverage since it can impact the selection process.
Independent Agents (or Brokers)
Agents that elect to be independent do not sell for just one brand and that allows them to write policies with any number of different companies depending on which coverage is best. If premiums increase, the agent simply finds a different carrier without you having to go to a different agency. When searching for an agent, you definitely need to include rate quotes from a few independent agents for the best price selection. Most have the option of insuring with smaller mutual companies who may have lower rates.
Below is a partial list of independent agents in Honolulu that can give you cheap rate quotes.
- John H Connors Insurance
500 Ala Moana Blvd # 2303 – Honolulu, HI 96813 – (808) 534-7300 – View Map
- Anita Butay Diniega
1088 Bishop St #2210 – Honolulu, HI 96813 – (808) 841-5915 – View Map
- Atlas Insurance
1132 Bishop St #1600 – Honolulu, HI 96813 – (808) 533-8728 – View Map
These type of agents can only quote rates from one company like Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot place coverage with different providers so they are skilled at selling on more than just price. Exclusive agents are usually quite knowledgeable on what they offer which aids in selling service over price. Some consumers prefer to purchase coverage from exclusives mainly due to the brand name rather than having low rates.
Shown below is a list of exclusive agents in Honolulu that can give you price quotes.
- Allstate Insurance: Kirk Paterson
1259 S Beretania St Ste 1 – Honolulu, HI 96814 – (808) 593-8844 – View Map
- Allstate Insurance: Boyd Kauhane
1682 Kalakaua Ave #1 – Honolulu, HI 96826 – (808) 638-3673 – View Map
- Larry Welsch – State Farm Insurance Agent
1575 S Beretania St Ste 203 – Honolulu, HI 96826 – (808) 944-3450 – View Map
Deciding on an insurance agent is decision based upon more than just the bottom line cost. Here are some questions you should ask.
- Will the quote change when the policy is issued?
- Do they carry Errors and Omissions coverage?
- Are you getting all the discounts the company offers?
- Are they involved in claim handling?
- Is auto insurance their primary focus in Honolulu?
- Are they properly licensed to sell insurance in Hawaii?
- Do they have any clout with companies to ensure a fair claim settlement?
- How much will you save each year by using a higher deductible?
Choosing the best vehicle insurance in Hawaii is an important decision
Despite the fact that insurance is not cheap in Honolulu, buying insurance may not be optional for several reasons.
- Almost all states have mandatory insurance requirements which means state laws require a minimum amount of liability coverage in order to license the vehicle. In Hawaii these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you took out a loan on your Suzuki, most banks will require that you buy insurance to guarantee payment of the loan. If you default on your policy, the lender may have to buy a policy to insure your Suzuki at a much higher premium rate and require you to pay the higher premium.
- Insurance protects both your Suzuki SX4 and your personal assets. Insurance will pay for most medical and hospital costs for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, 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, your insurance policy will pay to repair the damage minus the deductible amount.
The benefits of carrying adequate insurance more than cancel out the cost, especially with large liability claims. Today the average American driver overpays more than $750 every year so you should quote your policy with other companies each time the policy renews to be sure current rates are still competitive.
Cheaper insurance rates are out there
Discount Suzuki SX4 insurance in Honolulu can be purchased on the web as well as from independent agents in Honolulu, and you should be comparing both in order to have the best chance of saving money. A few companies do not provide online price quotes and usually these small, regional companies prefer to sell through local independent agents.
Consumers leave their current company for a number of reasons such as an unsatisfactory settlement offer, delays in responding to claim requests, being labeled a high risk driver and even policy non-renewal. It doesn’t matter why you want to switch finding a great new company is not as hard as you think.
We just covered a lot of ways to lower your Suzuki SX4 insurance prices in Honolulu. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Drivers may even discover the lowest priced insurance comes from a smaller regional carrier.
Much more information about insurance in Hawaii can be found at the links below
- Vehicle Insurance in the U.S. (Wikipedia)
- Who Has Affordable Auto Insurance for Drivers with Bad Credit in Honolulu? (FAQ)
- Who Has Cheap Honolulu Auto Insurance Quotes for a GMC Sierra? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Honda Pilot in Honolulu? (FAQ)
- What Insurance is Cheapest for a Toyota Tacoma in Honolulu? (FAQ)
- Who Has the Cheapest Honolulu Car Insurance Rates for High Mileage Drivers? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers with Accidents in Honolulu? (FAQ)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)