Affordable Insurance for a Suzuki Equator in Chandler

It’s amazing but the vast majority of consumers have been with the same company for four years or more, and virtually 40% of consumers have never compared rates from other carriers. Many drivers in Chandler could save roughly 50% each year, but they just assume it’s a time-consuming process to compare rate quotes.

Insurance rates Suzuki Equator in ChandlerThe easiest way to get budget Suzuki Equator insurance in Chandler is to regularly compare price quotes from insurers who sell insurance in Arizona. This can be done by following these guidelines.

  1. Try to learn about the different coverages in a policy and the things you can control to keep rates in check. Many rating criteria that cause high rates like accidents, traffic violations, and a poor credit rating can be controlled by making minor changes in your lifestyle.
  2. Compare prices from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like GEICO or State Farm, while independent agencies can provide prices from many different companies.
  3. Compare the quotes to your existing policy to determine if you can save on Equator insurance in Chandler. If you find a lower rate and switch companies, make sure coverage does not lapse between policies.

One important bit of advice 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 analyze as many companies as possible. Doing this enables a fair rate comparison and plenty of rates choose from.

If you’re already insured or want to find a cheaper company, you can follow these tips to reduce the price you pay without reducing protection. Quoting and buying cheaper protection in Chandler is not that difficult. Drivers just have to use the most effective way to compare rates on the web.

The companies shown below offer free rate quotes in Arizona. To get cheaper car insurance in Chandler, we recommend you click on several of them in order to find the cheapest rates.

Analysis of Suzuki Equator rates

The data table shown next showcases detailed analysis of prices for Suzuki Equator models. Knowing how car insurance prices are established can help you make informed purchases.


Suzuki Equator Insurance Rates in Chandler, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equator Ext Cab 2WD $174 $314 $338 $20 $102 $948 $79
Equator Ext Cab 2WD $174 $314 $338 $20 $102 $948 $79
Equator Ext Cab 2WD $200 $382 $338 $20 $102 $1,042 $87
Equator Ext Cab 2WD $200 $382 $338 $20 $102 $1,042 $87
Equator Ext Cab 4WD $200 $382 $338 $20 $102 $1,042 $87
Equator Crew Cab 4WD $224 $450 $338 $20 $102 $1,134 $95
Equator Crew Cab 4WD $224 $450 $338 $20 $102 $1,134 $95
Equator Crew Cab 4WD $224 $450 $338 $20 $102 $1,134 $95
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Premium costs do not factor in vehicle garaging location which can impact auto insurance rates noticeably.

Higher deductibles lower rates

One of the hardest decisions when shopping for auto insurance is how low should you set your deductibles. The following tables may aid in understanding the difference in cost when you buy lower versus higher coverage deductibles. The first set of prices uses a $100 deductible for comprehensive and collision coverage and the second set of prices uses a $1,000 deductible.


Suzuki Equator insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equator Ext Cab 2WD $224 $382 $300 $18 $90 $1,039 $87
Equator Ext Cab 2WD $224 $382 $300 $18 $90 $1,039 $87
Equator Ext Cab 2WD $258 $466 $300 $18 $90 $1,157 $96
Equator Ext Cab 2WD $258 $466 $300 $18 $90 $1,157 $96
Equator Ext Cab 4WD $258 $466 $300 $18 $90 $1,157 $96
Equator Crew Cab 4WD $292 $548 $300 $18 $90 $1,273 $106
Equator Crew Cab 4WD $292 $548 $300 $18 $90 $1,273 $106
Equator Crew Cab 4WD $292 $548 $300 $18 $90 $1,273 $106
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Suzuki Equator insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equator Ext Cab 2WD $124 $202 $300 $18 $90 $734 $61
Equator Ext Cab 2WD $124 $202 $300 $18 $90 $734 $61
Equator Ext Cab 2WD $144 $246 $300 $18 $90 $798 $67
Equator Ext Cab 2WD $144 $246 $300 $18 $90 $798 $67
Equator Ext Cab 4WD $144 $246 $300 $18 $90 $798 $67
Equator Crew Cab 4WD $162 $290 $300 $18 $90 $860 $72
Equator Crew Cab 4WD $162 $290 $300 $18 $90 $860 $72
Equator Crew Cab 4WD $162 $290 $300 $18 $90 $860 $72
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Premium costs do not factor in specific zip code location which can affect prices considerably.

Using the premium rates above, we can conclude that using a $100 deductible will cost you roughly $31 more each month or $372 every year than requesting the higher $1,000 deductible. Since 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 tend to average more than 29 months between claim filings, you would save money by selecting a higher deductible.

The information below demonstrates how deductibles and can increase or decrease Suzuki Equator insurance costs for each age group. The information is based on a married male driver, full coverage, and no additional discounts are factored in.

Suzuki Equator insurance premiums by gender

The illustration below illustrates the comparison of Suzuki Equator insurance costs for male and female drivers. The premiums are based on no violations or accidents, full physical damage coverage, $250 deductibles, marital status is single, and no policy discounts are applied.

Best reasons to buy insurance in Arizona

Even though it’s not necessarily cheap to insure a Suzuki in Chandler, buying insurance is required for several reasons.

First, most states have compulsory liability insurance requirements which means state laws require a minimum amount of liability coverage in order to get the vehicle licensed. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your Suzuki Equator has a loan, almost every bank will make it mandatory that you have full coverage to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the bank will be required to insure your Suzuki for a much higher rate and force you to reimburse them the higher price.

Third, insurance safeguards your car and your assets. It will also reimburse you for many types of medical costs for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if anyone sues you for causing an accident. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of carrying enough insurance are definitely more than the cost, particularly for liability claims. According to a survey of 1,000 drivers, the average driver overpays as much as $850 per year so compare rates each time the policy renews to help ensure money is not being wasted.

You Can Change Your Insurance Rates

Lots of factors are part of the calculation when you quote your car insurance policy. Some factors are common sense such as your driving history, but some are less apparent like your continuous coverage or your financial responsibility.

How do annual miles impact costs? – The more you drive in a year’s time the more you’ll pay to insure it. A lot of companies charge rates based on their usage. Cars and trucks that do not get driven very much can get a lower rate than those used for commuting. Make sure your policy correctly shows the proper vehicle usage. Having an incorrect usage rating on your Equator may be costing you.

You may save more by bundling policies – Most major companies will give lower prices to buyers that purchase more than one policy in the form of a multi-policy discount. Even if you qualify for this discount already, it’s still a good idea to get quotes from other companies to guarantee you are still saving the most.

Premiums are high for teenagers – More experienced drivers are proven to be safer behind the wheel, tend to file fewer claims, and are generally more financially stable. Teenage drivers are known to be more careless when driving so they pay higher auto insurance rates.

The following chart uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.

Obey driving laws and save – Your driving citation history impacts premiums far more than you think. Good drivers get better prices than their less careful counterparts. Only having one speeding ticket or other violation may increase your cost substantially. Drivers who have serious violations such as reckless driving, hit and run or driving under the influence may face state-mandated requirements to submit a SR-22 form with their state in order to prevent their license from being revoked.

The chart below illustrates how speeding tickets and at-fault claims can drive up Suzuki Equator insurance costs for different ages of insureds. Data assumes a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

Big city or small town – Having an address in less populated areas of the country has definite advantages when trying to find low car insurance rates. City drivers regularly have traffic congestion and longer commutes to work. Lower population means less chance of accidents as well as less vandalism and auto theft.

Married people drive safer – Your spouse may cut your premiums on your policy. It is viewed as being more mature than a single person and insurance companies reward insureds because drivers who are married file infrequent claims.

Lower performance equals lower insurance prices – The type of car or truck you need to insure makes a substantial difference in the rate you pay. Lower cost passenger cars receive the most favorable rates, but that’s not the only thing that factors into the final price.

The chart below is based on a married male driver age 40, full coverage with $100 deductibles, and no discounts or violations. It shows Suzuki Equator insurance premiums compared to other models of vehicles that have a range of performances.

What is YOUR best insurance company?

You just read many tips how you can reduce Suzuki Equator insurance prices online in Chandler. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may even find the lowest prices come from some of the smallest insurance companies.

Consumers change insurance companies for a number of reasons such as delays in paying claims, delays in responding to claim requests, unfair underwriting practices and being labeled a high risk driver. Regardless of your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

Some insurance companies don’t offer online rate quotes and many times these smaller companies work with independent insurance agents. Low-cost Suzuki Equator insurance in Chandler can be found on the web and from local agencies, so compare prices from both to have the best selection.

Additional insurance information can be found at the links below