Best Ways to Save on Cincinnati Suzuki Equator Insurance

Are you tired of trying to find low-cost car insurance rates in Cincinnati, OH? Cincinnati shoppers have options when shopping for the best price on Suzuki Equator insurance. They can either waste time contacting agents to compare prices or leverage the internet to get rate quotes.

There are both good and bad ways to shop for car insurance and we’ll show you the quickest way to price shop coverage for a Suzuki and get the best price possible either online or from Cincinnati insurance agents.

Compare quotes for Cincinnati Suzuki Equator insurance

Most major insurance companies allow you to get pricing directly from their websites. This process doesn’t take a lot of time as you just enter your required coverages as requested by the quote form. Upon sending the form, their rating system automatically retrieves your driving record and credit report and quotes a price based on the information you submitted.

The ability to get online quotes for Suzuki Equator insurance in Cincinnati helps simplify price comparisons, and it is important to have as many quotes as possible if you want to find a lower rate.

If you want to get comparison pricing now, take a look at the companies shown below. If you have coverage now, it’s recommended you enter deductibles and limits just like they are on your policy. This way, you are getting an apples-to-apples comparison for similar coverage.

The following companies are our best choices to provide comparison quotes in Cincinnati, OH. If your goal is to find cheaper car insurance in Cincinnati, it’s highly recommended you visit as many as you can to get a more complete price comparison.

Rates and data analysis

The data table below highlights different coverage costs for Suzuki Equator models. Being aware of how auto insurance prices are formulated helps drivers make informed decisions.

Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Prices do not factor in specific zip code location which can influence coverage prices substantially.

Deductible analysis

When comparing car insurance rates, the most common question is what deductibles to buy. The premium rates below can help you visualize how much more you’ll pay of buying low and high coverage deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Information does not factor in Cincinnati location which can revise price quotes significantly.

Using the premium rates above, we can conclude that using a $250 deductible costs about $17 more each month or $204 for a full year than choosing the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 44 months between claims, you would come out ahead if you choose the higher deductible.

The chart below demonstrates how deductible levels and can raise or lower Suzuki Equator insurance costs for each age group. The premium estimates are based on a single male driver, comp and collision included, and no discounts are taken into consideration.

Impact of violations and accidents on rates in Cincinnati

The diagram below highlights how speeding tickets and at-fault fender-benders raise Suzuki Equator insurance costs for different age groups of insureds. The data is based on a single female driver, full coverage, $1,000 deductibles, and no discounts are factored in.

Cost comparison with and without full coverage

The illustration below shows the comparison of Suzuki Equator insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no violations or accidents, $250 deductibles, drivers are single, and no additional discounts are factored in.

When to stop buying full coverage

There isn’t a written rule that works best for making the decision to drop full coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is about 10% or more of the replacement cost minus the deductible, then it might be time to buy liability only.

For example, let’s pretend your Suzuki Equator replacement cost is $7,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $6,000 after you pay the deductible. If you are paying more than $600 annually to have full coverage, then it may be the right time to buy liability only.

There are some situations where removing full coverage is not recommended. If you haven’t satisfied your loan, you have to carry full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not buy liability only.

Lower-cost Cincinnati auto insurance rates with discounts

Auto insurance is neither fun to buy or cheap, but there may be some discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you purchase, but a few must be asked for prior to receiving the credit.

• Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you can avoid monthly service charges.
• Theft Deterrent – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and earn discounts up to 10% off your Cincinnati car insurance quote.
• Multi-policy Discount – When you have multiple policies with the same company you may save over 10 percent off each policy depending on the company.
• Switch and Save Discount – Select companies give a discount for renewing your policy prior to your current Equator insurance policy expiring. It’s a savings of about 10%.
• Mature Driver Discount – If you’re over the age of 55, you are able to get a discount up to 10%.
• Telematics Discount – Insureds who allow their auto insurance company to study driving habits by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they have good driving habits.
• Accident Forgiveness Coverage – Not a discount per se, but a few companies such as Allstate and State Farm will turn a blind eye to one accident without the usual rate increase if you have no claims for a particular time prior to the accident.
• Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts can save up to 15% off the medical payments premium.
• Club Memberships – Belonging to a qualifying organization could qualify you for a break on auto insurance.
• Life Insurance – Some auto insurance companies give a break if you buy auto and life insurance together.

One last thing about discounts, most of the big mark downs will not be given to your bottom line cost. Most only cut the cost of specific coverages such as medical payments or collision. So when it seems like all those discounts means the company will pay you, auto insurance companies aren’t that generous.

The example below compares Suzuki Equator premium costs with and without discounts applied. The premium estimates are based on a female driver, no claims or violations, Ohio state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-car, homeowner, claim-free, and multi-policy discounts applied.

A few of the larger companies and their offered discounts are detailed below.

• 21st Century has discounts for good student, driver training, student driver, homeowners, and theft prevention.
• State Farm includes discounts for anti-theft, safe vehicle, driver’s education, good driver, student away at school, passive restraint, and accident-free.
• AAA discounts include education and occupation, AAA membership discount, good driver, anti-theft, good student, multi-car, and multi-policy.
• Liberty Mutual policyholders can earn discounts including good student, new graduate, newly retired, hybrid vehicle, new move discount, newly married, and multi-car.
• Progressive offers discounts for online signing, homeowner, online quote discount, multi-policy, multi-vehicle, continuous coverage, and good student.

If you are trying to find inexpensive Cincinnati car insurance quotes, ask every prospective company what discounts are available to you. Some discounts listed above may not apply to policyholders in every state. To view companies that offer many of these discounts in Cincinnati, click here.

Why do I need car insurance?

Despite the high cost, maintaining insurance is mandatory in Ohio but it also protects more than you think.

• Almost all states have mandatory liability insurance requirements which means the state requires specific limits of liability insurance in order to drive the car. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you bought your Suzuki with a loan, it’s guaranteed your bank will make it mandatory that you carry insurance to guarantee their interest in the vehicle. If the policy lapses, the lender may have to buy a policy to insure your Suzuki at a significantly higher premium and force you to pay for the much more expensive policy.
• Insurance protects not only your Suzuki Equator but also your financial assets. It will also pay for all forms of medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, will also pay attorney fees if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to have it repaired.

The benefits of insuring your car definitely exceed the cost, specifically if you ever have a liability claim. According to a recent study, the average American driver is currently overpaying as much as $865 each year so compare rates at every policy renewal to ensure rates are inline.

Different people need different insurance coverages

Keep in mind that when it comes to choosing coverage online or from an agent for your vehicles, there really is no cookie cutter policy. Your financial needs are unique.

These are some specific questions could help you determine whether you would benefit from professional advice.

• Does coverage extend to my business vehicle?
• Should I waive the damage coverage when renting a car?
• If I drive on a suspended license am I covered?
• What if an uninsured driver hits me?
• Do I need to call my car insurance company before buying a new car?
• What is medical payments coverage?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Compare rate quotes but work with a neighborhood Cincinnati auto insurance agent

Some consumers just want to buy from a local agent and there is nothing wrong with that. Licensed agents are trained to spot inefficiencies and help in the event of a claim. One of the best bonuses of getting online price quotes is you can get cheap insurance quotes and still choose a local agent. Buying insurance from local agencies is important especially in Cincinnati.

To make it easy to find an agent, after completing this form (opens in new window), your coverage information is immediately sent to insurance agents in Cincinnati who can give free rate quotes for your insurance coverage. It makes it easy because there is no need to do any legwork since rate quotes are delivered directly to you. If you have a need to quote rates from one company in particular, just find their quoting web page and fill out their quote form.

Choose an insurance agent wisely

If you prefer to buy insurance from a good Cincinnati insurance agent, you need to know there are two different types of agencies that you can choose from. Insurance agents may be either exclusive or independent (non-exclusive). Either one can do a good job, but it’s important to point out how they are different because it can impact the kind of agent you use.

Independent Insurance Agents

Agents in the independent channel are not locked into one company so they can quote policies through lots of different companies and find you cheaper rates. To transfer your coverage to a different company, your agent can just switch to a different company and you won’t have to switch agencies. When comparison shopping, you will definitely want to get some free quotes from several independent insurance agents for maximum quote selection. Most also write with companies you’ve never heard of which may provide better rates.

Featured below is a short list of independent agents in Cincinnati who can help you get free price quotes.

• Kinker-Eveleigh Insurance Agency
  7750 Montgomery Rd – Cincinnati, OH 45236 – (513) 891-6615 – View Map
• Huesman Schmid Insurance Agency, Inc
  5670 Cheviot Rd – Cincinnati, OH 45247 – (513) 521-8590 – View Map
• Advantage Insurance Network LLC
  4739 Delhi Ave – Cincinnati, OH 45238 – (513) 922-9460 – View Map

View more agents

Exclusive Insurance Agencies

Exclusive agencies can only place business with one company and examples are State Farm, Allstate, and Farm Bureau. These agents are not able to place coverage with different providers so they are skilled at selling on more than just price. They are very knowledgeable on what they offer which aids in selling service over price. Some people will only buy insurance from these agents mainly due to the brand name and solid financial strength.

Listed below is a short list of exclusive agents in Cincinnati willing to provide rate quotes.

• Mark Redmond – State Farm Insurance Agent
  7225 Colerain Ave Ste 202 – Cincinnati, OH 45239 – (513) 221-7836 – View Map
• Mike Schweppe – State Farm Insurance Agent
  5956 Glenway Ave – Cincinnati, OH 45238 – (513) 922-1442 – View Map
• Ken Kunkel – State Farm Insurance Agent
  6708 Cheviot Rd – Cincinnati, OH 45247 – (513) 385-6667 – View Map

View more agents

Choosing the best auto insurance agent requires you to look at more than just the quoted price. These are some questions your agent should answer.

• Do they carry Errors and Omissions coverage?
• Are there any extra charges for paying monthly?
• Is the agent and/or agency licensed to do business in Ohio?
• Do the companies they represent have a solid financial rating?
• How is replacement cost determined on your vehicle?
• Is the agent CPCU or CIC certified?
• Is auto insurance their primary focus in Cincinnati?