Have you had enough of wondering where the money will come from to pay your insurance bill each month? You are in the same boat as most other vehicle owners in Pennsylvania.
A recent study showed that the vast majority of consumers kept their policy with the same company for over three years, and approximately 40% of consumers have never even compared quotes to find cheap rates. With the average insurance premium being $1,400, Pennsylvania drivers can save $686 each year by just comparing quotes, but they don’t want to take the time to compare rate quotes.
How to find low-cost rates for Suzuki Equator insurance in Pittsburgh
If you want to save money, the best way to quote cheaper Suzuki Equator insurance in Pittsburgh is to regularly compare price quotes from insurers in Pennsylvania. Drivers can shop around by completing these steps.
- Take a little time to learn about coverages and the changes you can make to drop your rates. Many things that are responsible for high rates like traffic violations and an unfavorable credit rating can be amended by making minor changes to your lifestyle.
- Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from one company like GEICO or State Farm, while agents who are independent can quote prices from multiple sources. Get quotes now
- Compare the new rates to the price on your current policy to determine if you can save on Equator insurance. If you can save some money and change companies, make sure coverage does not lapse between policies.
- Tell your current agent or company of your intention to cancel your current auto insurance policy. Submit a down payment along with a signed application to your new carrier. As soon as you can, keep your new certificate of insurance along with your vehicle registration.
The most important part of shopping around is that you’ll want to make sure you compare the same physical damage deductibles and liability limits on each quote request and and to get price estimates from as many car insurance companies as possible. Doing this ensures a fair rate comparison and the best price selection.
Lots of insurers contend for your hard-earned dollar, so it’s not easy to compare every insurer and get the best coverage at the best rates possible on Suzuki Equator insurance in Pittsburgh.
To find cheaper Pittsburgh car insurance quotes, there are several ways to compare rate quotes from all the different companies. By far the easiest way to find the cheapest Suzuki Equator insurance rates is simply to get online rate quotes.
Online shopping is fast and free, and it makes it a waste of time to drive around to insurance agents’ offices. The ability to buy insurance online can eliminate the need for a local agent unless you want the extra assistance of a local agency. Although you can get prices online but have your policy serviced through an agent. Just keep in mind that comparing more rates from different companies helps improve the odds of finding a better price. Some regional insurers cannot provide Pittsburgh Equator insurance quotes over the internet, so you should also compare price estimates from them as well.
The companies shown below are ready to provide comparison quotes in Pittsburgh, PA. To locate cheap car insurance in Pittsburgh, we suggest you click on several of them to get the best price comparison.
Coverage information
The rate table displayed below showcases a range of insurance premium costs for Suzuki Equator models. Learning as much as possible about how auto insurance premiums are formulated is important for making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Equator Ext Cab 2WD | $118 | $218 | $372 | $22 | $112 | $842 | $70 |
| Equator Ext Cab 2WD | $118 | $218 | $372 | $22 | $112 | $842 | $70 |
| Equator Ext Cab 2WD | $136 | $264 | $372 | $22 | $112 | $906 | $76 |
| Equator Ext Cab 2WD | $136 | $264 | $372 | $22 | $112 | $906 | $76 |
| Equator Ext Cab 4WD | $136 | $264 | $372 | $22 | $112 | $906 | $76 |
| Equator Crew Cab 4WD | $152 | $312 | $372 | $22 | $112 | $970 | $81 |
| Equator Crew Cab 4WD | $152 | $312 | $372 | $22 | $112 | $970 | $81 |
| Equator Crew Cab 4WD | $152 | $312 | $372 | $22 | $112 | $970 | $81 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Premium costs do not factor in vehicle garaging location which can raise or lower prices considerably.
Deductible analysis
When comparing car insurance rates, the most common question is where to set your physical damage deductibles. The rates below illustrate the rate differences between high and low deductibles. The first data set uses a $100 deductible and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Equator Ext Cab 2WD | $246 | $420 | $330 | $20 | $98 | $1,139 | $95 |
| Equator Ext Cab 2WD | $246 | $420 | $330 | $20 | $98 | $1,139 | $95 |
| Equator Ext Cab 2WD | $284 | $512 | $330 | $20 | $98 | $1,269 | $106 |
| Equator Ext Cab 2WD | $284 | $512 | $330 | $20 | $98 | $1,269 | $106 |
| Equator Ext Cab 4WD | $284 | $512 | $330 | $20 | $98 | $1,269 | $106 |
| Equator Crew Cab 4WD | $320 | $602 | $330 | $20 | $98 | $1,395 | $116 |
| Equator Crew Cab 4WD | $320 | $602 | $330 | $20 | $98 | $1,395 | $116 |
| Equator Crew Cab 4WD | $320 | $602 | $330 | $20 | $98 | $1,395 | $116 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Equator Ext Cab 2WD | $136 | $222 | $330 | $20 | $98 | $806 | $67 |
| Equator Ext Cab 2WD | $136 | $222 | $330 | $20 | $98 | $806 | $67 |
| Equator Ext Cab 2WD | $158 | $270 | $330 | $20 | $98 | $876 | $73 |
| Equator Ext Cab 2WD | $158 | $270 | $330 | $20 | $98 | $876 | $73 |
| Equator Ext Cab 4WD | $158 | $270 | $330 | $20 | $98 | $876 | $73 |
| Equator Crew Cab 4WD | $178 | $318 | $330 | $20 | $98 | $944 | $79 |
| Equator Crew Cab 4WD | $178 | $318 | $330 | $20 | $98 | $944 | $79 |
| Equator Crew Cab 4WD | $178 | $318 | $330 | $20 | $98 | $944 | $79 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Price information does not factor in specific location which can alter coverage prices substantially.
We can estimate from the data above that using a $100 deductible costs an average of $33 more each month or $396 for a full year than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you average at least 27 months between claims, you would more than likely save some money if you opt for a higher deductible.
Insurance does more than just protect your car
Even though it can be expensive, insurance is not optional due to several reasons.
- Almost all states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability coverage in order to drive the car. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a loan on your Suzuki, more than likely the lender will make it mandatory that you buy insurance to protect their interest in the vehicle. If coverage lapses or is canceled, the bank will be required to insure your Suzuki for a much higher rate and require you to pay much more than you were paying before.
- Insurance protects both your assets and your car. It will also cover hospital and medical expenses for yourself as well as anyone injured by you. Liability coverage, the one required by state law, will also pay to defend you if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, your policy will pay all costs to repair after the deductible has been paid.
The benefits of having insurance greatly outweigh the cost, especially with large liability claims. But the average driver in Pennsylvania overpays as much as $750 every year so compare rates at least once a year to make sure the price is not too high.
How Car Insurance Companies Calculate Suzuki Equator Insurance Premiums
A large part of saving on insurance is knowing the rating factors that play a part in calculating your insurance rates. If you understand what determines premiums, this helps enable you to make changes that could help you find much lower annual insurance costs. Lots of factors are part of the calculation when you get your auto insurance bill. Some are obvious like a motor vehicle report, but other factors are less apparent like where you live or your commute time.
Responsible credit means lower rates – Credit score can be a huge factor in determining premium rates. People with high credit scores tend to file fewer claims and have better driving records as compared to drivers with poor credit scores. If your credit history can be improved, you could save money insuring your Suzuki Equator by taking the time to improve your credit score.
Claim-free discounts can add up – Companies in Pennsylvania award lower rates to insureds who do not rely on their insurance for small claims. If you are the type of insured that files lots of claims you can expect much higher rates or policy non-renewal. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
More annual miles equals more premium – The higher the mileage driven in a year the higher the price you pay to insure it. A lot of companies charge to insure your cars based upon how you use the vehicle. Cars not used for work or commuting receive lower rates than cars that get driven a lot. Incorrect rating for your Equator may be costing you higher rates. Verify your insurance policy is showing the correct usage for each vehicle.
Higher deductibles are cheaper – Physical damage insurance, also called ‘full coverage’, protects your Suzuki from damage. Some instances where coverage would apply are collision with another vehicle, damage caused by hail, and windstorm damage. The deductibles represent how much money you are required to pay in the event of a claim. The more you’re willing to pay, the less money you will pay for insurance.
Safer cars cost less to insure – Safer cars tend to have lower insurance rates. Safe vehicles result in less severe injuries and better occupant protection translates into fewer and smaller insurance claims which can mean better rates for you.
Discount Pittsburgh car insurance quotes
Companies do not advertise all possible discounts in a way that’s easy to find, so we took the time to find a few of the more well known and also the lesser-known credits available to you. If they aren’t giving you every credit you qualify for, you could be getting lower rates.
- Distant Student – Children who live away from home to go to college and won’t have access to an insured vehicle can be insured at a reduced rate.
- Defensive Driver Discount – Taking part in a course in defensive driving can save you 5% or more and also improve your driving technique.
- No Charge for an Accident – This one is not really a discount per se, but some insurance companies permit an accident before hitting you with a surcharge with the catch being you have to be claim-free before the accident.
- New Car Discount – Adding a new car to your policy is cheaper because new vehicles keep occupants safer.
- Seat Belts Save – Using a seat belt and requiring all passengers to fasten their seat belts could save 15% off the personal injury premium cost.
- Claim Free – Pittsburgh drivers who stay claim-free have much lower rates when compared with drivers who are more careless.
- Smart Student Discounts – A discount for being a good student can save 20 to 25%. The discount lasts up to age 25.
- Full Payment Discount – By paying your entire bill at once instead of monthly or quarterly installments you could save 5% or more.
- Senior Citizen Rates – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums.
- Own a Home and Save – Being a homeowner can help you save on car insurance due to the fact that maintaining a home requires personal responsibility.
As a footnote on discounts, many deductions do not apply to the entire cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Just because you may think it’s possible to get free car insurance, insurance companies wouldn’t stay in business.
The diagram below visualizes the comparison of Suzuki Equator insurance rates with and without discounts. The costs are based on a female driver, a clean driving record, no at-fault accidents, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-policy, multi-car, marriage, and safe-driver discounts applied.
To locate insurance companies who offer cheap Suzuki Equator insurance quotes in Pittsburgh in Pennsylvania, click this link.
Situations that may require an agent’s advice
When it comes to choosing adequate coverage, there really is not a “best” method to buy coverage. Your situation is unique and your car insurance should be unique as well.
For instance, these questions might help in determining whether you could use an agent’s help.
- If my Suzuki Equator is totaled, can I afford another vehicle?
- What are the liability requirements in my state?
- If I use my vehicle for business use is it covered?
- Should I pay a claim out-of-pocket?
- Which is better, split liability limits or combined limits?
- How much underlying liability do I need for an umbrella policy?
- Do I benefit by insuring my home with the same company?
If you’re not sure about those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier
Insurance agent or online?
Many drivers would prefer to visit with an insurance agent and that can be a smart move One of the great benefits of comparing car insurance online is you can get lower premium rates and still have a local agent. And supporting local insurance agencies is important especially in Pittsburgh.
To make it easy to find an agent, after completing this form (opens in new window), your information is sent to participating agents in Pittsburgh that provide free Pittsburgh car insurance quotes for your coverage. It’s much easier because you don’t need to find an agent because quoted prices will be sent immediately to your email address. You can find better rates and an insurance agent to talk to. If for some reason you want to get a rate quote from a specific insurance company, you would need to go to their quote page and complete a quote there.
Pick the best car insurance agent in Pittsburgh for you
If you want to buy car insurance from a reliable agent, it’s important to understand the different types of agents from which to choose. Pittsburgh agents can be described as either exclusive or independent agents depending on their company appointments.
Independent Car Insurance Agencies
Agents that elect to be independent are not employed by one company so they have the ability to put coverage with lots of companies and find the cheapest car insurance rates. If you want to switch companies, they simply move your policy to a different company and that require little work on your part. If you are trying to find cheaper rates, it’s a good idea to get several quotes from several independent insurance agents for maximum quote selection.
Shown below is a short list of independent agents in Pittsburgh who can help you get free car insurance quotes.
Nationwide Insurance: Swenson Insurance Inc
234 Shady Ave – Pittsburgh, PA 15206 – (412) 362-8340 – View Map
A For the People Insurance Agency, Inc.
2514 Wylie Ave – Pittsburgh, PA 15219 – (412) 621-5581 – View Map
Nalley Insurance Agency LLC
3349 Babcock Blvd – Pittsburgh, PA 15237 – (412) 366-5223 – View Map
Exclusive Agencies
Exclusive agents are contracted to one company and some examples include Allstate, Farmers Insurance, State Farm, and AAA. These agents are unable to give you multiple price quotes so if the price isn’t competitive there isn’t much they can do. They are very knowledgeable on their products and sales techniques and that enables them to sell even at higher rates.
Listed below is a short list of exclusive agencies in Pittsburgh that are able to give comparison quotes.
Chad Gregorini – State Farm Insurance Agent
7 Brilliant Ave – Pittsburgh, PA 15215 – (412) 784-8855 – View Map
Michael Dear State Farm
2632 Brownsville Rd – Pittsburgh, PA 15227 – (412) 884-9700 – View Map
Mike Newell – State Farm Insurance Agent
4772 Liberty Ave – Pittsburgh, PA 15224 – (412) 621-0600 – View Map
Finding the right insurance agency shouldn’t rely on just the bottom line cost. These are some valid questions you should ask.
- Do they write coverage based solely on cost?
- Will a damage claim use OEM or aftermarket replacement parts?
- Will you work with the agent or an assistant?
- Do they carry Errors and Omissions coverage?
- Can you get a list of referrals?
Persistent drivers can save
Affordable Suzuki Equator insurance in Pittsburgh is available from both online companies in addition to local insurance agencies, so you need to shop Pittsburgh car insurance with both to get a complete price analysis. There are still a few companies who may not offer the ability to get a quote online and these small insurance companies work with independent agents.
When trying to cut insurance costs, do not reduce coverage to reduce premium. Too many times, someone dropped comprehensive coverage or liability limits and found out when filing a claim that they should have had better coverage. The goal is to get the best coverage possible at the best possible price while still protecting your assets.
In this article, we presented a lot of information how to shop for Suzuki Equator insurance online. The most important thing to understand is the more quotes you get, the better your comparison will be. You may even be surprised to find that the best rates are with the smaller companies. Regional companies may have significantly lower car insurance rates on certain market segments as compared to the big name companies such as Allstate and Progressive.
How to find affordable quotes for Suzuki Equator insurance in Pittsburgh
If your goal is the lowest price, then the best way to get budget car insurance rates is to start comparing prices regularly from different companies in Pittsburgh. You can compare rates by following these steps.
- Read and learn about what is in your policy and the things you can change to drop your rates. Many risk factors that are responsible for high rates like at-fault accidents, careless driving, and a less-than-favorable credit score can be remedied by paying attention to minor details.
- Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from a single company like GEICO or State Farm, while agents who are independent can quote prices from multiple sources.
- Compare the price quotes to your current policy premium to determine if you can save on Equator insurance in Pittsburgh. If you find better rates and buy the policy, make sure coverage does not lapse between policies.
The critical component of shopping around is to compare the same amount of coverage on every quote request and and to get rate quotes from as many companies as feasibly possible. This ensures an apples-to-apples comparison and a complete selection of prices.
Additional information can be found on the following sites:
- Top Signs Your Brakes are Giving Out (State Farm)
- How Much is Auto Insurance for a Hyundai Sonata in Pittsburgh? (FAQ)
- Who Has the Cheapest Auto Insurance for a Company Car in Pittsburgh? (FAQ)
- How Much is Auto Insurance for Drivers Over Age 70 in Pittsburgh? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers with Bad Credit in Pittsburgh? (FAQ)
- Who Has Cheap Auto Insurance for Retired Military in Pittsburgh? (FAQ)
- Neck Injury FAQ (iihs.org)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Safety Tips for Teen Drivers (Insurance Information Institute)