Want to learn the secrets to finding lower-priced Suzuki SX4 insurance in Denver? Finding more affordable prices for Suzuki SX4 insurance in Denver is always hard for drivers who are new to online price comparisons. Consumers have so many companies to choose from that it can easily be a real hassle to find cheaper rates in Colorado.
A recent car insurance study discovered that most car insurance policyholders renewed their policy with the same company for over three years, and just short of a majority have never quoted rates to find affordable coverage. Drivers in Denver could save approximately $600 a year just by comparing rates, but they don’t want to spend time to compare rate quotes.
It’s a great practice to take a look at other company’s rates as often as possible because rates go up and down regularly. Even if you think you had the lowest rate on Suzuki SX4 insurance in Denver on your last policy the chances are good that you can find a lower price today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to one of the easiest ways to find great coverage at a great price.
Do you qualify for discounts on Suzuki SX4 insurance in Denver?
Auto insurance companies don’t list all their discounts in a way that’s easy to find, so the below list has both well-publicized and also the more inconspicuous insurance savings. If you do not double check each discount possible, you could be paying more than you need to.
- Professional Organizations – Belonging to a civic or occupational organization in Denver is a good way to get lower rates on insurance.
- Data Collection Discounts – People who choose to allow their insurance company to monitor driving habits by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if they exhibit good driving behavior.
- Save with More Vehicles Insured – Buying insurance for more than one vehicle with the same company may reduce the rate for each vehicle.
- Defensive Driver Discount – Passing a safe driver class is a good idea and can lower rates depending on where you live.
- Lower Rates for Military – Being deployed with a military unit may lower your premium rates slightly.
- Braking Control Discount – Cars, trucks, and SUVs that have anti-lock braking systems have fewer accidents and will save you 10% or more on SX4 insurance in Denver.
While discounts sound great, it’s important to understand that most of the big mark downs will not be given to your bottom line cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, you won’t be that lucky.
Companies and a summarized list of policyholder discounts include:
- Farm Bureau may offer discounts for 55 and retired, good student, multi-vehicle, youthful driver, multi-policy, driver training, and safe driver.
- State Farm offers premium reductions for Steer Clear safe driver discount, student away at school, anti-theft, safe vehicle, Drive Safe & Save, and driver’s education.
- Progressive has savings for multi-policy, good student, multi-vehicle, continuous coverage, online quote discount, and homeowner.
- Allstate may have discounts that include senior citizen, anti-lock brakes, economy car, FullPay discount, passive restraint, resident student, and early signing.
- Nationwide includes discounts for good student, anti-theft, Farm Bureau membership, multi-policy, accident-free, and defensive driving.
- MetLife may include discounts for defensive driver, multi-policy, accident-free, good driver, good student, claim-free
If you want cheaper Denver car insurance quotes, ask every insurance company to apply every possible discount. Depending on the company, some discounts may not be available in Denver. If you would like to choose from a list of providers with significant discounts in Colorado, click this link.
Shop Suzuki SX4 insurance online
It’s important to know that comparing a wide range of rates helps you find the best offered rates.
The auto insurance companies shown below provide free quotes in Denver, CO. If the list has multiple companies, we suggest you visit as many as you can in order to get a fair rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| SX4 LE | $132 | $264 | $362 | $22 | $108 | $888 | $74 |
| SX4 2WD | $296 | $516 | $426 | $26 | $128 | $1,392 | $116 |
| SX4 Sport S | $144 | $332 | $368 | $22 | $110 | $976 | $81 |
| SX4 Sport SE | $190 | $426 | $396 | $24 | $118 | $1,154 | $96 |
| SX4 Technology 2WD | $212 | $388 | $338 | $20 | $100 | $1,058 | $88 |
| SX4 Sportback 2WD | $234 | $472 | $396 | $24 | $118 | $1,244 | $104 |
| SX4 AWD AWD | $260 | $562 | $396 | $24 | $118 | $1,360 | $113 |
| SX4 Sport GTS | $272 | $538 | $352 | $20 | $106 | $1,288 | $107 |
| SX4 Technology AWD | $342 | $546 | $352 | $20 | $106 | $1,366 | $114 |
| SX4 Touring AWD | $186 | $330 | $426 | $26 | $128 | $1,096 | $91 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Price information does not factor in specific garaging location which can increase or decrease auto insurance rates substantially.
Analysis of deductible levels
One of the most common car insurance questions is where to set your physical damage deductibles. The following tables can help you understand the costs and benefits between low and high coverage deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| SX4 LE | $236 | $458 | $352 | $20 | $106 | $1,197 | $100 |
| SX4 2WD | $272 | $376 | $352 | $20 | $106 | $1,151 | $96 |
| SX4 Sport S | $272 | $538 | $352 | $20 | $106 | $1,313 | $109 |
| SX4 Sport SE | $272 | $538 | $352 | $20 | $106 | $1,313 | $109 |
| SX4 Technology 2WD | $272 | $458 | $352 | $20 | $106 | $1,233 | $103 |
| SX4 Sportback 2WD | $272 | $458 | $352 | $20 | $106 | $1,233 | $103 |
| SX4 AWD AWD | $272 | $458 | $352 | $20 | $106 | $1,233 | $103 |
| SX4 Sport GTS | $272 | $538 | $352 | $20 | $106 | $1,313 | $109 |
| SX4 Technology AWD | $306 | $458 | $352 | $20 | $106 | $1,267 | $106 |
| SX4 Touring AWD | $306 | $458 | $352 | $20 | $106 | $1,267 | $106 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| SX4 LE | $146 | $288 | $352 | $20 | $106 | $912 | $76 |
| SX4 2WD | $168 | $236 | $352 | $20 | $106 | $882 | $74 |
| SX4 Sport S | $168 | $340 | $352 | $20 | $106 | $986 | $82 |
| SX4 Sport SE | $168 | $340 | $352 | $20 | $106 | $986 | $82 |
| SX4 Technology 2WD | $168 | $288 | $352 | $20 | $106 | $934 | $78 |
| SX4 Sportback 2WD | $168 | $288 | $352 | $20 | $106 | $934 | $78 |
| SX4 AWD AWD | $168 | $288 | $352 | $20 | $106 | $934 | $78 |
| SX4 Sport GTS | $168 | $340 | $352 | $20 | $106 | $986 | $82 |
| SX4 Technology AWD | $190 | $288 | $352 | $20 | $106 | $956 | $80 |
| SX4 Touring AWD | $190 | $288 | $352 | $20 | $106 | $956 | $80 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Premium costs do not factor in garaging location in Denver which can decrease or increase coverage prices greatly.
Based on the data above, we can derive that using a $250 deductible will cost you roughly $25 more each month or $300 annually than requesting the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 30 months between claims, you would probably save some money if you choose a higher deductible.
Learn How to Lower Your Insurance Premiums
Many things are used when quoting car insurance. Some factors are common sense like a motor vehicle report, but others are less obvious like your vehicle usage or how financially stable you are. It’s important that you understand some of the elements that are used to determine insurance rates. If you have some idea of what controls the rates you pay, this helps enable you to make changes that may reward you with better insurance rates.
Safety ratings are a factor – Safe vehicles get lower rates. Vehicles engineered for safety reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Suzuki SX4 is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
Avoid unnecessary extra coverages – Insurance companies have many extra bells and whistles that can add up if you don’t pay attention. Add-on coverages like coverage for rental cars, towing coverage, and extra life insurance coverage are examples of these. They may seem like a good idea at first, but if you have no use for them remove them from your policy.
Don’t abuse claims – If you are a frequent claim filer, you can look forward to higher premiums or even policy non-renewal. Car insurance companies in Colorado generally give the lowest premiums to insureds who are not frequent claim filers. Your car insurance is designed for claims that pose a financial burden.
Job impacts prices – Do you have a high-stress occupation? Occupational choices like military generals, business owners and stock brokers tend to have higher premium rates due to high stress and lots of time spent at work. On the other hand, jobs such as actors, students and the unemployed receive lower rates.
Gender and insurance costs – The statistics show females are less aggressive when driving. That doesn’t necessarily mean that females are better at driving than males. Females and males cause fender benders in similar numbers, but guys cause more damage. Men also tend to get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly. Youthful male drivers are several times more likely to be in an accident so it costs more to insure them.
Your location is important – Living in less populated areas has it’s advantages if you are looking for the lowest rates. Less people translates into fewer accident claims in addition to lower liability claims Drivers in populated Colorado areas have to deal with congested traffic and much longer commute distances. Higher commute times means more chances of being involved in an auto accident.
Car insurance can get complicated
When choosing coverage, there is no perfect coverage plan. Your situation is unique and your car insurance should be unique as well. These are some specific questions can help discover whether your personal situation may require specific advice.
- Where can I get insurance after a DUI in Colorado?
- Does my Suzuki SX4 qualify for pleasure use?
- Should I bundle my homeowners policy with my auto?
- What are the best liability limits?
- What happens if I owe more than my Suzuki SX4 is worth?
- Is water damage covered by my policy?
- Is a driver training discount available?
- Should I waive the damage coverage when renting a car?
- Should I pay a claim out-of-pocket?
- Is my custom paint covered by insurance?
If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier
Buying insurance from Denver car insurance agents
A small number of people would prefer to visit with an insurance agent and that is recommended in a lot of cases A nice benefit of getting free rate quotes online is the fact that you can find the lowest rates and still buy from a local agent. And buying from local insurance agencies is especially important in Denver.
To make it easy to find an agent, after completing this simple form, the quote information is sent to insurance agents in Denver who will give competitive quotes for your insurance coverage. It’s much easier because you don’t need to drive around because quoted prices will be sent to you. It’s the lowest rates AND an agent nearby. In the event you want to get a price quote from a specific insurance company, don’t hesitate to navigate to their website to submit a rate quote request.
Compare rates from both independent and exclusive auto insurance agents
If you prefer to buy insurance from a reliable insurance agent, it’s important to understand the types of insurance agents from which to choose. Agents are classified as either independent agents or exclusive agents depending on their employer.
Independent Insurance Agents
These agents are not employed by one company so they have the ability to put coverage with multiple insurance companies and help determine which has the cheapest rates. To move your coverage to a new company, the agent simply finds a different carrier and you don’t have to do anything. If you are comparing rate quotes, you absolutely need to check rates from a few independent agents for the best price selection. Most independent agents also contract with lesser-known insurance companies that may have much lower rates than larger companies.
Below are Denver independent insurance agents that can possibly get you cheap rate quotes.
- Sorhage and James Insurance
1660 S Albion St # 1005 – Denver, CO 80222 – (303) 759-4551 – View Map - Alliance General Insurance Agency
2696 CO-2 – Denver, CO 80222 – (303) 377-1172 – View Map - Moschetti Michael – Isu Insurance Svc Of Co
950 17th St #1000 – Denver, CO 80202 – (303) 534-2133 – View Map
Exclusive Insurance Agents
Agents in the exclusive channel have only one company to place business with such as State Farm, AAA, and Liberty Mutual. Exclusive agents are unable to provide other company’s prices so they have to upsell other benefits. Exclusive agencies are very knowledgeable in insurance sales which helps them compete with independent agents. Some insured continue to buy from the same agent for years partially due to loyalty to the company and strong financial ratings.
Below are exclusive agencies in Denver that can give you price quote information.
- Allstate Insurance: Jack Sughrue
3401 Quebec St Ste 9400 – Denver, CO 80207 – (303) 377-4767 – View Map - Lori Rickert State Farm®
714 S Pearl St – Denver, CO 80209 – (303) 757-7440 – View Map - Rick Emerson Jr. – State Farm Insurance Agent
4800 Happy Canyon Rd #230 – Denver, CO 80237 – (303) 781-1133 – View Map
Deciding on an auto insurance agent should include more criteria than just the quoted price. A good agent in Denver will have answers to these questions.
- Are there any discounts that you might be missing?
- What are their preferred companies if they are an independent agency?
- Is the agency active in community causes in Denver?
- Are they properly licensed to sell insurance in Colorado?
- Are there any discounts for paying up front?
- Is there a local claims center in Denver?
Auto insurance does more than just protect your car
Even though Denver SX4 insurance rates can get expensive, paying for auto insurance is required in Colorado but also provides important benefits.
First, most states have mandatory liability insurance requirements which means it is punishable by state law to not carry a minimum amount of liability if you want to drive legally. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
Second, if your vehicle has a loan, it’s most likely the lender will force you to buy full coverage to guarantee payment of the loan. If you do not pay your insurance premiums, the lender may insure your Suzuki at a significantly higher premium and force you to pay for it.
Third, insurance protects both your Suzuki SX4 and your personal assets. It also can pay for medical bills for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, will also pay attorney fees if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.
The benefits of carrying enough insurance definitely exceed the price paid, especially for larger claims. But the average driver in Colorado overpays as much as $865 each year so compare quotes from several companies at least once a year to ensure rates are inline.
The best insurance company isn’t always the cheapest
Some insurance companies do not provide online rate quotes and these small, regional companies provide coverage only through local independent agents. Budget-friendly car insurance in Denver is definitely available both online in addition to local insurance agencies, and you should compare price quotes from both to have the best chance of lowering rates.
When getting Denver car insurance quotes online, never skimp on coverage in order to save money. In too many instances, an insured cut comprehensive coverage or liability limits only to discover later that the savings was not a smart move. The goal is to purchase plenty of coverage for the lowest cost, but do not skimp to save money.
Additional detailed information can be read at these sites:
- Frontal Crash Tests (iihs.org)
- Who Has the Cheapest Car Insurance Quotes for Drivers Over Age 50 in Denver? (FAQ)
- Who Has Cheap Denver Auto Insurance for a Ford F-150? (FAQ)
- How Much is Denver Car Insurance for a GMC Acadia? (FAQ)
- What is Full Coverage? (Allstate)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- How Much Auto Coverage do I Need? (Insurance Information Institute)