Would you like to buy low-cost Suzuki SX4 insurance in Milwaukee? Searching for the cheapest insurance for your Suzuki SX4 in Wisconsin can turn out to be a lot of work, but you can follow these tips to make it easier. There is a right way and a wrong way to shop for car insurance so we’re going to tell you the best way to price shop coverage for a Suzuki and find the best price possible.
A recent survey discovered that over 70% of drivers have stayed with the same insurance company for at least four years, and virtually 40% of consumers have never quoted car insurance rates at all. Wisconsin insurance shoppers could cut their rates by nearly 30% a year, but they mistakenly think it’s difficult to compare other rate quotes.
Cheap companies for Suzuki SX4 insurance in Wisconsin
The providers in the list below offer price comparisons in Milwaukee, WI. If more than one company is shown, we suggest you click on several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|SX4 Sport S||$154||$358||$220||$14||$66||$812||$68|
|SX4 Sport SE||$94||$218||$242||$14||$72||$640||$53|
|SX4 Technology 2WD||$152||$294||$260||$16||$78||$800||$67|
|SX4 Sportback 2WD||$84||$156||$216||$12||$64||$532||$44|
|SX4 AWD AWD||$226||$358||$302||$18||$90||$994||$83|
|SX4 Sport GTS||$152||$346||$242||$14||$72||$826||$69|
|SX4 Technology AWD||$156||$254||$220||$14||$66||$710||$59|
|SX4 Touring AWD||$254||$358||$302||$18||$90||$1,022||$85|
|Get Your Own Custom Quote Go|
Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Wisconsin minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Price estimates do not factor in the specific area where the vehicle is garaged which can impact prices noticeably.
Careless Milwaukee drivers pay higher rates
The example below highlights how speeding tickets and at-fault accidents increase Suzuki SX4 yearly insurance costs for each different age group. The rates are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.
Insurance rates and discounts
Companies offering auto insurance don’t always publicize all possible discounts in a way that’s easy to find, so here is a list some of the more common and the more hidden credits available to lower your premiums when you buy Milwaukee car insurance online.
- Discount for Multiple Policies – When you have multiple policies and place coverage with the same company they may give you a discount of 10% to 20% off each policy.
- Discount for Passive Restraints – Factory air bags and/or automatic seat belt systems can receive discounts of 20% or more.
- Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase life insurance from them.
- Drivers Education – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education if it’s offered in school.
- Senior Citizen Rates – If you qualify as a senior citizen, you may qualify for a discount up to 10%.
- Paper-free Discount – A handful of companies will give a small break for signing up over the internet.
- Defensive Driver Discounts – Taking part in a safe driver course could save 5% or more and also improve your driving technique.
- Federal Government Employee – Simply working for the federal government could cut as much as 10% off depending on your insurance provider.
Policy discounts save money, but some of the credits will not apply to the whole policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.
A few companies that may have some of the above discounts possibly include:
Before purchasing a policy, check with each company the best way to save money. All car insurance discounts may not be available in your state.
Insurance agent or online?
Many drivers still like to go talk to an agent and that is just fine! Good agents can help you build your policy and help submit paperwork. One of the benefits of getting online price quotes is you may find better rates and still choose a local agent.
To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is instantly submitted to companies in Milwaukee who will give you bids for your auto insurance coverage. There is no reason to even leave your home because prices are sent directly to your email. In the event you want to get a rate quote from a specific auto insurance provider, you just need to visit that company’s website and complete a quote there.
Finding the right insurer needs to be determined by more than just the bottom line cost. These are some questions you should get answers to.
- Do they feel the quoted coverages are adequate?
- Do they have any clout with companies to ensure a fair claim settlement?
- Is assistance available after office hours?
- Do you need full coverage on every vehicle?
- Is the agency covered by Errors and Omissions coverage?
- Does their agency support local causes in Milwaukee?
If you are wanting to purchase auto insurance from local Milwaukee agents, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Agents in Milwaukee are categorized either independent (non-exclusive) or exclusive. Either type can sell affordable auto insurance policies, but it’s a good idea to understand the difference in the companies they write for since it may influence the type of agent you choose.
Exclusive Insurance Agents
Exclusive agencies can only provide one company’s prices and examples are Allstate, State Farm and Farmers Insurance. Exclusive agencies are unable to compare other company’s rates so they are skilled at selling on more than just price. Exclusive insurance agents are usually well trained on what they offer which helps them sell insurance even at higher premiums. Some consumers prefer to buy from exclusive agents mostly because of loyalty to the company instead of buying on price only.
Shown below are exclusive agencies in Milwaukee that are able to give rate quotes.
- Allstate Insurance: Alex Ferreira
3436 South 13th Street – Milwaukee, WI 53215 – (414) 672-2000 – View Map
- Diana Kostal – State Farm Insurance Agent
1410 E Capitol Dr – Milwaukee, WI 53211 – (414) 964-8680 – View Map
- American Family Insurance – Paul Rathkamp
11805 W Hampton Ave – Milwaukee, WI 53225 – (414) 438-1515 – View Map
Independent Agencies or Brokers
Agents that elect to be independent often have affiliation with several companies and that is an advantage because they can write policies with a variety of different insurance companies and find you the best rates. If premiums increase, they simply move your policy to a different company which requires no work on your part.
If you need cheaper auto insurance rates, you will want to include rate quotes from a few independent agents so that you can do a thorough price comparison. Many independent agencies also insure through different regional companies that may have much lower rates than larger companies.
Listed below is a list of independent agents in Milwaukee willing to provide comparison quotes.
- Philleo Agency Insurance
12555 W Burleigh Rd – Brookfield, WI 53005 – (262) 432-4200 – View Map
- Unisource Insurance Associates, LLC
10425 W North Ave #226 – Milwaukee, WI 53226 – (414) 774-7040 – View Map
- Tilley Insurance
12344 W Layton Ave – Milwaukee, WI 53228 – (414) 235-3561 – View Map
Car insurance myths debunked
Wisconsin consumers constantly see and hear ads that claim the best rates by State Farm, GEICO and Progressive. They all state the claim of big savings if you change to their company.
Is it even possible that every company can lower your rates? It’s all in the words they use.
Insurance providers have an ideal profile for the type of driver that will not have excessive claims. For instance, this type of driver should be over the age of 45, has few claims, and chooses high deductibles. Any new insured who fits those characteristics will get very good Milwaukee prices and have a good chance to cut their Suzuki SX4 insurance rates if they switch.
Potential insureds who do not match this ideal profile may receive higher premiums and the driver buying from a lower-cost company. Company advertisements say “drivers that switch” not “everybody who quotes” save that much when switching. That’s the way insurance companies can confidently lure you into getting a quote. Because of these techniques, it is so important to do a rate comparison at every renewal. You cannot predict which car insurance company will give you the biggest savings.
Car insurance 101
Learning about specific coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.
Comprehensive or Other Than Collision
Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like vandalism, damage from getting keyed, falling objects, hail damage and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Medical costs insurance
Med pay and PIP coverage provide coverage for expenses for surgery, X-ray expenses, prosthetic devices and EMT expenses. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage pays for claims such as sustaining damage from a pot hole, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible on your SX4 in order to get cheaper collision rates.
Liability car insurance
Liability insurance provides protection from damage or injury you incur to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/10 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $10,000.
Liability coverage protects against claims like legal defense fees, repair bills for other people’s vehicles and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible. Wisconsin requires minimum liability limits of 25/50/10 but it’s recommended drivers buy more coverage.
Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.
Since many Wisconsin drivers carry very low liability coverage limits (25/50/10 in Wisconsin), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.
Cover all your bases
We just showed you many tips how you can get a better price on Suzuki SX4 insurance in Milwaukee. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding low cost Milwaukee car insurance quotes. You may even be surprised to find that the lowest premium rates are with a lesser-known regional company.
People who switch companies do it for a number of reasons such as policy cancellation, being labeled a high risk driver, unfair underwriting practices and even not issuing a premium refund. Regardless of your reason, finding a new company is easier than you think.
When searching for affordable Suzuki SX4 insurance quotes, make sure you don’t reduce coverage to reduce premium. There are too many instances where someone sacrificed full coverage only to regret that the small savings ended up costing them much more. Your strategy should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.
- Electronic Stability Control FAQ (iihs.org)
- How Much is Auto Insurance After a Speeding Ticket in Milwaukee? (FAQ)
- How Much are Milwaukee Auto Insurance Rates for Drivers with a Bad Driving Record? (FAQ)
- How Much is Car Insurance for Real Estate Agents in Milwaukee? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Drivers Under 21 in Milwaukee? (FAQ)
- How Much is Milwaukee Auto Insurance for a Toyota Highlander? (FAQ)
- Coverage Information (Progressive Insurance)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- What are my Rights when Filing a Claim? (Insurance Information Institute)