Would you like to buy more competitive Suzuki Equator insurance in Chicago? I can’t think of a single person who anticipates paying for car insurance, especially when their premiums are through the roof.
Amazlingly, a recent NerdWallet.com study showed that almost 70% of drivers have stayed with the same insurance company for at least the last four years, and just under half have never compared quotes from other companies. Most drivers in Illinois can save hundreds of dollars each year just by comparing rates, but they just don’t understand how easy it is to compare rates and save money.
Companies like Progressive, GEICO and Farmers Insurance continually bombard you with ads and consumers find it hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.
Smart consumers take time to get comparison quotes quite often because insurance prices are constantly changing. Even if you think you had the lowest price on Suzuki Equator insurance in Chicago six months ago other companies may now be cheaper. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to how to quote online to find the best coverage while lowering your premiums.
Affordable companies for Suzuki Equator insurance
The providers in the list below can provide price comparisons in Illinois. If multiple companies are listed, we suggest you get prices from several of them to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Equator Ext Cab 2WD||$168||$316||$340||$20||$102||$946||$79|
|Equator Ext Cab 2WD||$152||$274||$294||$18||$88||$826||$69|
|Equator Ext Cab 2WD||$142||$282||$294||$18||$88||$824||$69|
|Equator Ext Cab 2WD||$194||$398||$294||$18||$88||$992||$83|
|Equator Ext Cab 4WD||$158||$288||$250||$14||$76||$786||$66|
|Equator Crew Cab 4WD||$196||$392||$294||$18||$88||$988||$82|
|Equator Crew Cab 4WD||$136||$246||$266||$16||$80||$744||$62|
|Equator Crew Cab 4WD||$108||$210||$246||$14||$74||$652||$54|
|Get Your Own Custom Quote Go|
Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Illinois minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Prices do not factor in garaging location in Chicago which can affect coverage prices significantly.
Suzuki Equator annual premiums for males versus females
The chart below shows the difference between Suzuki Equator car insurance rates for male and female drivers. The price estimates are based on no claims, a clean driving record, full physical damage coverage, $500 deductibles, single marital status, and no discounts are factored in.
Get affordable Suzuki Equator insurance in Chicago with discounts
Buying car insurance is not cheap, but discounts can save money and there are some available to cut the cost considerably. Many of these discounts will be applied automatically at quote time, but some must be requested specifically before you will receive the discount.
- Use Seat Belts – Requiring all passengers to wear their seat belts can save up to 15% off the PIP or medical payment premium.
- First Accident Forgiveness – Not necessarily a discount, but some companies like GEICO and Allstate will turn a blind eye to one accident before your rates go up so long as you are claim-free for a certain period of time.
- Multiple Policy Discount – When you have multiple policies and insure them with the same company you could save up to 20% off your total Equator insurance premium.
- Payment Method – By making one initial payment as opposed to paying monthly you may reduce your total bill.
- Good Students Pay Less – Maintaining excellent grades can save 20 to 25%. The good student discount can last well after school through age 25.
- No Claims – Good drivers with no accidents get the best car insurance rates in comparison to policyholders that have many claims.
- Air Bag Discount – Factory air bags or automatic seat belts may earn rate discounts of up to 25% or more.
You should keep in mind that most discounts do not apply to the overall cost of the policy. Most only reduce specific coverage prices like liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.
Larger car insurance companies and some of the premium reductions they offer are shown below.
- AAA offers discounts for good driver, pay-in-full, anti-theft, multi-car, good student, and multi-policy.
- Progressive includes discounts for online quote discount, multi-vehicle, multi-policy, homeowner, and online signing.
- State Farm policyholders can earn discounts including accident-free, anti-theft, driver’s education, good driver, passive restraint, and Drive Safe & Save.
- Esurance may have discounts that include multi-policy, good driver, claim free, defensive driver, and paid-in-full.
- Nationwide discounts include anti-theft, multi-policy, Farm Bureau membership, accident-free, defensive driving, and business or organization.
If you are trying to find low cost Chicago car insurance quotes, ask all companies you are considering the best way to save money. Some credits may not be available in every state. To view insurance companies who offer car insurance discounts in Illinois, click here to view.
Compare prices but buy from a local neighborhood Chicago car insurance agent
Many drivers would prefer to talk to a local agent and that is not a bad decision An additional benefit of comparing car insurance online is the fact that drivers can get the best rates and still have an agent to talk to. Buying from local agencies is important especially in Chicago.
To help locate an agent, after submitting this quick form, your information is instantly submitted to participating agents in Chicago that can give you free Chicago car insurance quotes to get your business. It simplifies rate comparisons since you won’t have to do any legwork since rate quotes are delivered to your email. You can find better rates and a licensed agent to work with. In the event you want to get a comparison quote from one company in particular, you just need to search and find their rate quote page and fill out the quote form the provide.
Two different types of car insurance agents
If you prefer to buy car insurance from a reliable insurance agency, it’s helpful to know the different types of agents and how they can quote your rates. Car insurance policy providers are either exclusive agents or independent agents.
Independent Agencies or Brokers
Independent agencies do not write with just one company so they have the ability to put coverage with many different companies and find the cheapest rate. If they find a lower price, they simply move your policy to a different company and you don’t have to find a new agent.
If you are comparing rate quotes, we recommend you include rate quotes from multiple independent agents for maximum quote selection.
Below is a short list of independent insurance agencies in Chicago who may provide cheap rate quotes.
Agents that choose to be exclusive have only one company to place business with like AAA, State Farm, Farmers Insurance, and Allstate. They usually cannot provide other company’s prices so they really need to provide good service. Exclusive insurance agents are trained well in insurance sales which helps them compete with independent agents.
The following are exclusive insurance agencies in Chicago that are able to give comparison quotes.
Finding the right car insurance agent shouldn’t rely on just the quoted price. Here are some questions you might want to ask.
- Will the agent or a CSR service your policy?
- Does the company have a solid financial rating?
- Can they help ensure a fair claim settlement?
- In the event of vehicle damage, can you pick the collision repair facility?
- Does the agency have a current Errors and Omissions policy?
Tailor your insurance coverage to you
When it comes to proper insurance coverage, there is no one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that.
These are some specific questions might point out if your insurance needs will benefit from professional help.
- Do I need medical payments coverage since I have good health insurance?
- Does coverage extend to a rental car in a foreign country?
- Should I get collision insurance on every vehicle?
- Will I lose any money if I cancel my policy before it expires?
- Are my friends covered when driving my Suzuki Equator?
- What can I do if my company denied a claim?
- Am I covered when using my vehicle for business?
- Do I really need UM/UIM coverage?
If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier
Coverages available on your insurance policy
Having a good grasp of insurance can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages available from insurance companies.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Suzuki Equator.
Since many Illinois drivers only carry the minimum required liability limits (Illinois limits are 20/40/15), it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually these coverages are identical to your policy’s liability coverage.
Liability insurance will cover damage or injury you incur to other people or property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 20/40/15 that means you have $20,000 in coverage for each person’s injuries, a per accident bodily injury limit of $40,000, and a total limit of $15,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.
Liability coverage protects against things such as bail bonds, pain and suffering, legal defense fees, court costs and loss of income. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford. Illinois state minimum liability requirements are 20/40/15 but it’s recommended drivers buy higher limits.
This covers damage to your Equator from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against things such as crashing into a ditch, scraping a guard rail, hitting a parking meter and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible on your Equator in order to get cheaper collision rates.
Insurance for medical payments
Med pay and PIP coverage reimburse you for short-term medical expenses for things like pain medications, chiropractic care, EMT expenses and doctor visits. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage
Comprehensive coverage (or Other than Collision)
This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like hail damage, a broken windshield and falling objects. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Smart shoppers get results
When you buy Chicago car insurance online, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed liability coverage limits and learned later that a couple dollars of savings turned into a financial nightmare. Your objective should be to purchase plenty of coverage for the lowest price.
You just learned many tips how you can find cheaper Suzuki Equator insurance in Chicago. The most important thing to understand is the more rate quotes you have, the better likelihood of getting affordable Chicago car insurance quotes. Consumers could even find that the best price on auto insurance is with a small mutual company. Some small companies may have significantly lower rates on certain market segments compared to the large companies like Allstate and Progressive.
For more information, link through to the articles below:
- How to Avoid Staged Accidents (State Farm)
- Who Has Affordable Chicago Auto Insurance Quotes for a Toyota RAV4? (FAQ)
- Who Has Cheap Auto Insurance for Drivers Under 21 in Chicago? (FAQ)
- Older Driver Statistics (Insurance Information Institute)
- Credit and Insurance Scores (Insurance Information Institute)
- Credit Impacts Car Insurance Rates (State Farm)
- Senior Drivers (Insurance Information Institute)