Suzuki Equator Insurance Rate Quotes in Plano

  1. Home
  2. >
  3. Plano Auto Insurance
  4. >
  5. Suzuki Equator

If you want to save the most money, the best way to find cheaper Suzuki Equator insurance in Plano is to do a yearly price comparison from different companies who provide car insurance in Texas.

  • First, try to understand what is in your policy and the measures you can control to prevent high rates. Many risk factors that drive up the price such as your driving record and a less-than-favorable credit score can be improved by making minor changes to your lifestyle.
  • Second, request price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like Progressive and State Farm, while independent agencies can quote prices from multiple insurance companies. View companies
  • Third, compare the new rate quotes to your existing policy and determine if cheaper Equator coverage is available in Plano. If you can save some money, make sure there is no lapse in coverage.
  • Fourth, tell your current agent or company of your decision to cancel the current policy and submit a down payment along with a signed application to your new insurance company. Be sure to put the certificate of insurance in an easily accessible location.

A good piece of advice is to compare the same deductibles and limits on every quote and to quote with as many different companies as possible. This enables a fair price comparison and the best price quote selection.

Insurance for Suzuki EquatorUnimaginable but true, nearly 70% of Texas drivers have stayed with the same insurance company for a minimum of four years, and almost 40% of drivers have never even compared quotes to find cheap rates. Many drivers in the United States could save about 47% a year by just shopping around, but most tend to underestimate how much money they would save if they switched to a more affordable policy.

Many insurance companies allow you to get pricing on the web. Obtaining pricing for Suzuki Equator insurance in Plano is easy for anyone as you simply enter your coverage information on the page. Behind the scenes, the quote system gets information on your driving record and credit history and quotes a price based on many factors. This makes it easy to compare insurance prices and it's absolutely necessary to have as many quotes as possible if you want to get a lower rate.

If you want to compare rates using this form now, compare rates from the companies below. If you have a policy now, it's recommended you enter the insurance coverages as close as possible to your current policy. This ensures you will have a price comparison based on similar coverages.

The auto insurance companies shown below offer comparison quotes in Plano, TX. To locate the cheapest auto insurance in Plano, it's a good idea that you get rates from several of them to get the best price comparison.

Suzuki Equator detailed coverage information

The coverage table below showcases estimates of insurance prices for Suzuki Equator models. Having a good understanding how policy rates are determined can assist in making decisions when shopping your coverage around.

Suzuki Equator Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equator Ext Cab 2WD $220 $404 $358 $22 $108 $1,112 $93
Equator Ext Cab 2WD $220 $404 $358 $22 $108 $1,112 $93
Equator Ext Cab 2WD $252 $492 $358 $22 $108 $1,232 $103
Equator Ext Cab 2WD $252 $492 $358 $22 $108 $1,232 $103
Equator Ext Cab 4WD $252 $492 $358 $22 $108 $1,232 $103
Equator Crew Cab 4WD $284 $580 $358 $22 $108 $1,352 $113
Equator Crew Cab 4WD $284 $580 $358 $22 $108 $1,352 $113
Equator Crew Cab 4WD $284 $580 $358 $22 $108 $1,352 $113
Get Your Own Custom Quote Go

Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Estimates do not factor in zip code location which can revise prices considerably.

Physical damage deductible comparison

One of the hardest decisions when shopping for insurance is which deductible level should you buy. The comparisons below approximate the premium difference when you choose different physical damage coverage deductibles. The first data table uses a $100 physical damage deductible and the second set of prices uses a $1,000 deductible.

Suzuki Equator insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equator Ext Cab 2WD $286 $486 $382 $22 $114 $1,315 $110
Equator Ext Cab 2WD $286 $486 $382 $22 $114 $1,315 $110
Equator Ext Cab 2WD $328 $592 $382 $22 $114 $1,463 $122
Equator Ext Cab 2WD $328 $592 $382 $22 $114 $1,463 $122
Equator Ext Cab 4WD $328 $592 $382 $22 $114 $1,463 $122
Equator Crew Cab 4WD $370 $698 $382 $22 $114 $1,611 $134
Equator Crew Cab 4WD $370 $698 $382 $22 $114 $1,611 $134
Equator Crew Cab 4WD $370 $698 $382 $22 $114 $1,611 $134
Get Your Own Custom Quote Go
Suzuki Equator insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equator Ext Cab 2WD $158 $256 $382 $22 $114 $932 $78
Equator Ext Cab 2WD $158 $256 $382 $22 $114 $932 $78
Equator Ext Cab 2WD $182 $312 $382 $22 $114 $1,012 $84
Equator Ext Cab 2WD $182 $312 $382 $22 $114 $1,012 $84
Equator Ext Cab 4WD $182 $312 $382 $22 $114 $1,012 $84
Equator Crew Cab 4WD $206 $368 $382 $22 $114 $1,092 $91
Equator Crew Cab 4WD $206 $368 $382 $22 $114 $1,092 $91
Equator Crew Cab 4WD $206 $368 $382 $22 $114 $1,092 $91
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rate quotes do not factor in vehicle location which can change insurance rates considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you about $39 more each month or $468 each year than requesting the higher $1,000 deductible. Because you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 23 months between claim filings, you would save more money by selecting a higher deductible.

Calculate deductible break even point

Average monthly premium for $100 deductibles: $124
Average monthly premium for $1,000 deductibles (subtract): - $85
Monthly savings from raising deductible: $39
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $39
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

One thing to note is that higher deductibles means you will have to cover more of the damage yourself when you have a comprehensive or collision claim. You need some money saved in order to pay more to get your vehicle repaired.

Full coverage or liability only

The chart below shows the difference between Suzuki Equator yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The price estimates are based on no claims or driving citations, $250 deductibles, drivers are single, and no discounts are applied to the premium.

When to buy liability coverage only

There is no written rule for phasing out comp and collision coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than around 10% of the vehicle's replacement cost less your deductible, then you might consider buying liability only.

For example, let's pretend your Suzuki Equator book value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $7,000 after you pay the deductible. If it's costing you more than $700 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are some circumstances where dropping full coverage is not recommended. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage.

Insurance agencies can give valuable advice

Certain consumers would prefer to buy from a local agent and that can be a smart move Experienced insurance agents can make sure you are properly covered and give you someone to call. An additional benefit of comparing auto insurance online is that drivers can save money and get cheap auto insurance rates and still choose a local agent. Putting coverage with local agencies is important particularly in Plano.

Find insurance agent in PlanoFor easy comparison, once you complete this form (opens in new window), the quote information gets sent to local insurance agents in Plano who will return price quotes for your coverage. It makes it easy because there is no need to do any legwork because quoted prices will be sent immediately to you. If you have a need to compare prices for a specific company, you just need to search and find their rate quote page and fill out their quote form.

Selecting an insurer should include more criteria than just a cheap quote. These are valid questions to ask:

  • Can they provide you with a list of referrals?
  • Is there a 24/7 contact number?
  • Do you qualify for any additional discounts?
  • Is there a local claims center in Plano?
  • Is every driver in your family covered?
  • How much can you save by raising your physical damage deductibles?

If you get answers to your satisfaction to your questions and a low price estimate, it's possible that you found an provider that can be relied on to adequately provide auto insurance. But remember, you can cancel a policy at any point so don't assume you're contractually obligated to your new company indefinitely.

Auto insurance company ratings

Choosing a high-quality car insurance provider can be a challenge considering how many companies there are in Plano. The rank data below could help you analyze which car insurance companies you want to consider when comparing rates.

Top 10 Plano Car Insurance Companies by A.M. Best Rank

  1. Travelers - A++
  2. USAA - A++
  3. GEICO - A++
  4. State Farm - A++
  5. Titan Insurance - A+
  6. Esurance - A+
  7. Progressive - A+
  8. The Hartford - A+
  9. Allstate - A+
  10. Nationwide - A+

Top 10 Plano Car Insurance Companies Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance