The recommended way to find affordable quotes for Suzuki Equator insurance in Tucson is to regularly compare price quotes from different companies who sell auto insurance in Arizona.
- First, try to learn a little about coverages and the measures you can control to keep rates down. Many policy risk factors that cause rate increases like speeding tickets, accidents and poor credit rating can be remedied by improving your driving habits or financial responsibility.
- Second, quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from a single company like Progressive or State Farm, while independent agencies can give you price quotes for many different companies. Compare rates now
- Third, compare the price quotes to your existing coverage to determine if switching companies saves money. If you find a lower rate quote and switch companies, ensure coverage does not lapse between policies.
One thing to remember is to compare the same coverage limits and deductibles on every quote request and and to look at as many carriers as you can. This ensures a level playing field and the most accurate and complete price analysis.
Inconceivable but true, the vast majority of consumers have bought insurance from the same company for a minimum of four years, and about 40% of consumers have never compared rates with other companies. With the average insurance premium being $1,580, Arizona drivers could save $733 a year by just shopping around, but most tend to underestimate the actual amount they would save if they just switched companies.
You may qualify for discounts for Suzuki Equator insurance in Tucson
Some insurers don’t always advertise all possible discounts in a way that’s easy to find, so the following is a list of both well-publicized and also the lesser-known discounts that you can inquire about if you buy Tucson car insurance online.
- Drivers Education – Require your teen driver to participate in a local driver’s education class if it’s offered in school.
- Telematics Discount – Insureds who allow data collection to analyze driving habits by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if they exhibit good driving behavior.
- Life Insurance Discount – Some insurance companies give a lower rate if you buy some life insurance too.
- First Accident Forgiveness – This isn’t a discount exactly, but certain companies allow you one accident before hitting you with a surcharge so long as you are claim-free prior to the accident.
- More Vehicles More Savings – Buying coverage for multiple cars on one policy qualifies for this discount.
As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.
The illustration below illustrates the comparison of Suzuki Equator car insurance costs with and without discounts applied. The information is based on a male driver, no violations or accidents, Arizona state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, claim-free, homeowner, multi-policy, and safe-driver discounts applied.
Some of the larger companies who might offer most of these discounts may include but are not limited to:
- GEICO
- Mercury Insurance
- Farmers Insurance
- Auto-Owners Insurance
- Liberty Mutual
- SAFECO
- Progressive
- USAA
Before you buy a policy, ask each insurance company how many discounts you can get. Some credits might not be offered on policies in Tucson. To locate auto insurance companies that offer discounts in Tucson, follow this link.
Buy Tucson Suzuki Equator insurance online
To find cheaper quotes, there are a couple of ways to compare rate quotes from different Tucson insurance companies. One of the best ways to find affordable Suzuki Equator insurance rates consists of shopping online. Keep in mind that comparing a wide range of rates will increase your chances of finding lower pricing. Some smaller insurers do not give rate quotes online, so it’s recommended that you also compare rates on coverage from those companies, too.
The companies shown below offer free quotes in Tucson, AZ. To get cheap car insurance in AZ, we recommend you compare several of them to get the best price comparison.
Rates and data analysis
The premium information shown below highlights different rate quotes for Suzuki Equator models. Understanding more about how insurance prices are figured can be of help when making decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Equator Ext Cab 2WD | $98 | $172 | $288 | $18 | $86 | $662 | $55 |
| Equator Ext Cab 2WD | $98 | $172 | $288 | $18 | $86 | $662 | $55 |
| Equator Ext Cab 2WD | $112 | $208 | $288 | $18 | $86 | $712 | $59 |
| Equator Ext Cab 2WD | $112 | $208 | $288 | $18 | $86 | $712 | $59 |
| Equator Ext Cab 4WD | $112 | $208 | $288 | $18 | $86 | $712 | $59 |
| Equator Crew Cab 4WD | $126 | $246 | $288 | $18 | $86 | $764 | $64 |
| Equator Crew Cab 4WD | $126 | $246 | $288 | $18 | $86 | $764 | $64 |
| Equator Crew Cab 4WD | $126 | $246 | $288 | $18 | $86 | $764 | $64 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Table data does not factor in specific zip code location which can increase or decrease coverage rates considerably.
Comparison of policy deductibles
One of the hardest decisions when shopping for car insurance is which deductibles should you choose. The rates below outline how much more you’ll pay between low and high coverage deductibles. The first set of rates uses a $100 deductible for physical damage and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Equator Ext Cab 2WD | $224 | $382 | $300 | $18 | $90 | $1,039 | $87 |
| Equator Ext Cab 2WD | $224 | $382 | $300 | $18 | $90 | $1,039 | $87 |
| Equator Ext Cab 2WD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Equator Ext Cab 2WD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Equator Ext Cab 4WD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Equator Crew Cab 4WD | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Equator Crew Cab 4WD | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Equator Crew Cab 4WD | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Equator Ext Cab 2WD | $124 | $202 | $300 | $18 | $90 | $734 | $61 |
| Equator Ext Cab 2WD | $124 | $202 | $300 | $18 | $90 | $734 | $61 |
| Equator Ext Cab 2WD | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Equator Ext Cab 2WD | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Equator Ext Cab 4WD | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Equator Crew Cab 4WD | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Equator Crew Cab 4WD | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Equator Crew Cab 4WD | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Price information does not factor in your specific Tucson location which can modify premium rates greatly.
Based on the above data, using a $100 deductible costs an average of $31 more each month or $372 annually across all Suzuki Equator models than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at a minimum 29 months between claims, you would come out ahead if you choose the higher deductible. The table below shows how we made this calculation.
| Average monthly premium for $100 deductibles: | $98 |
| Average monthly premium for $1,000 deductibles (subtract): | – $67 |
| Monthly savings from raising deductible: | $31 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $31 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 29 months |
An important thing to remember is that increasing deductibles to lower your rates means you will have to pay more out-of-pocket when you file a claim. You must have some savings in the event you have to pay the higher deductible.
Rate difference between full and liability-only coverage
The example below shows the difference between Suzuki Equator insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The price estimates are based on no claims, a clean driving record, $1,000 deductibles, marital status is single, and no additional discounts are factored in.
Guidelines for dropping full coverage
There is no definitive formula to drop full coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of the settlement you would receive from your company, then you might want to think about dropping full coverage.
For example, let’s pretend your Suzuki Equator book value is $9,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $8,000 after the policy deductible has been paid. If you are paying in excess of $800 annually for your policy with full coverage, then you may need to consider dropping full coverage.
There are some scenarios where removing full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to maintain full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not opt for liability only.
Buying from insurance agents
A small number of people would rather sit down with an agent and that can be a great decision The biggest benefit of comparing rate quotes online is the fact that drivers can get cheaper prices but also keep your business local. Buying insurance from local insurance agents is definitely important in Tucson.
To help locate an agent, after submitting this quick form, the quote information is submitted to agents in your area who will give competitive quotes for your coverage. There is no reason to contact any agents because quoted prices will be sent immediately to you. Get lower rates without the usual hassles of price shopping. If for some reason you want to compare prices for a specific company, don’t hesitate to search and find their rate quote page and give them your coverage information.
When narrowing the list to find a good insurance agency, it can be helpful to understand the types of agencies and how they can quote your rates. Agencies in Tucson can be classified as either exclusive or independent (non-exclusive).
Independent Agencies or Brokers
These agents are not limited to a single company and that enables them to quote your coverage with lots of companies and find the cheapest car insurance rates. If you are not satisfied with one company, the business is moved internally and you don’t have to find a new agent. If you are comparing car insurance prices, it’s a good idea to contact multiple independent agents for the best price selection. A lot of them also have access to additional companies that you may not be familiar with that may have much lower rates than larger companies.
Shown below are independent agencies in Tucson that may be able to provide cheap rate quotes.
- DM Lovitt Insurance Agency
607 N 6th Ave – Tucson, AZ 85705 – (520) 798-1888 – View Map - HalSi Insurance Services
7670 E Broadway Blvd #250 – Tucson, AZ 85710 – (520) 296-7881 – View Map - John J Jewell Insurance Agency Inc
5442 E 5th St – Tucson, AZ 85711 – (520) 747-3737 – View Map
Exclusive Agents
Agents that elect to be exclusive can usually just insure with one company such as Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents are unable to provide other company’s prices so they really need to provide good service. Exclusive agents are highly trained on their company’s products which helps them sell on service rather than price. A lot of people purchase coverage from exclusives primarily because of the prominent brand name rather than having low rates.
Below is a short list of exclusive insurance agencies in Tucson that are able to give price quotes.
- Kevin Dale – State Farm Insurance Agent
5643 E Grant Rd – Tucson, AZ 85712 – (520) 721-8184 – View Map - Tom DeBerry – State Farm Insurance Agent
4178 E 22nd St – Tucson, AZ 85711 – (520) 745-2800 – View Map - Allstate Insurance: Mike Brown
3400 E Speedway Blvd Ste 202 – Tucson, AZ 85716 – (520) 318-1775 – View Map
Finding the right insurance agency requires more thought than just a cheap quote. A good agent in Tucson will have answers to these questions.
- How much experience to they have in personal lines coverages?
- Do they feel the quoted coverages are adequate?
- Does the agent have a valid license to sell insurance in Arizona?
- Is there any savings for paying the full premium?
- Will they make sure you get an adequate claim settlement?
- What is the agency’s Better Business Bureau rating?
- How long has their agency been in business in Tucson?
- Is working in the agency their full-time job?
Don’t give up on cheaper rates
As you restructure your insurance plan, never skimp on coverage in order to save money. There are too many instances where an accident victim reduced liability coverage limits and learned later they didn’t have enough coverage. The goal is to purchase a proper amount of coverage for the lowest cost, but do not skimp to save money.
More affordable car insurance in Tucson can be found from both online companies in addition to local insurance agencies, so get free Tucson car insurance quotes from both of them to have the best selection. There are still a few companies who may not provide online rate quotes and many times these regional carriers sell through independent insurance agents.
People who switch companies do it for a variety of reasons including high prices, not issuing a premium refund, poor customer service or unfair underwriting practices. No matter why you want to switch, switching car insurance companies can be easy and end up saving you some money.
Additional detailed information can be read at these sites:
- Steps to Take After an Auto Accident (Insurance Information Institute)
- How Much are Tucson Auto Insurance Rates After a Speeding Ticket? (FAQ)
- How Much is Auto Insurance for Drivers with a DUI in Tucson? (FAQ)
- Safety Belts FAQ (iihs.org)
- Teen Driving Statistics (iihs.org)