Would you like to save money by finding the cheapest Suzuki SX4 insurance in Chicago? Finding low-cost insurance for a new or used Suzuki SX4 in Illinois could be an all-consuming task, but you can use our car insurance buying tips to find lower rates.
There is a better way to find car insurance online and we’ll show you the proper way to compare rates for your Suzuki and locate the cheapest rates from Chicago insurance agents and online providers.
You should make it a habit to compare prices quite often because prices trend upward over time. Despite the fact that you may have had the lowest rate on Suzuki SX4 insurance in Chicago two years ago the chances are good that you can find a lower premium rate today. There is too much inaccurate information about SX4 insurance online, but by reading this article, you’re going to learn some of the best ways to quit paying high car insurance rates in Chicago.
Discounts mean cheaper rates for Suzuki SX4 insurance in Chicago
Some insurance providers don’t always publicize all their discounts very well, so here is a list both well-publicized as well as the least known credits available to lower your premiums when you buy Chicago auto insurance online.
- Safety Course Discount – Completing a class that teaches safe driver techniques is a good idea and can lower rates if you qualify.
- Air Bag Discount – Cars that have air bags or motorized seat belts can get savings of 20 to 30 percent.
- Anti-theft System – Cars and trucks that have factory anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
- Multi-line Discount – Some auto insurance companies give a discount if you purchase some life insurance in addition to your auto policy.
- Low Mileage Discounts – Maintaining low annual mileage may allow you to get better premium rates on cars that stay parked.
- Senior Citizens – Drivers that qualify as senior citizens are able to get lower premium rates.
- No Claims – Drivers with accident-free driving histories have much lower rates in comparison with bad drivers.
- Discounts for Seat Belt Usage – Forcing all vehicle occupants to use their safety belts may be able to save a few bucks off the personal injury premium cost.
A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Some only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, companies don’t profit that way. Any qualifying discounts will cut your premiums.
Some of the insurance companies who may offer most of these discounts include:
When getting free Chicago auto insurance quotes, it’s a good idea to every prospective company how you can save money. Depending on the company, some discounts might not apply in Chicago.
The cheapest Chicago Suzuki SX4 insurance rate quotes online
All major insurance companies allow you to get coverage prices from their websites. Getting online quotes for Suzuki SX4 insurance in Chicago doesn’t take a lot of time as you just type in the coverages you want on the page. When complete, their quoting system gets your credit score and driving record and quotes a price based on the information you submitted.
Using the web to get quotes for Suzuki SX4 insurance in Chicago makes it a lot easier to compare rates and it’s also necessary to get many rate quotes in order to find affordable rates.
To find out how much you can save on insurance, compare rates now from the companies shown below. If you have your current policy handy, we recommend you enter the coverages just like they are on your policy. Doing this guarantees you will have rate comparison quotes for similar insurance coverage.
The following companies are ready to provide comparison quotes in Illinois. If more than one company is shown, we recommend you get price quotes from several of them to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| SX4 LE | $124 | $214 | $342 | $20 | $102 | $802 | $67 |
| SX4 2WD | $218 | $326 | $266 | $16 | $80 | $906 | $76 |
| SX4 Sport S | $158 | $364 | $340 | $20 | $102 | $984 | $82 |
| SX4 Sport SE | $224 | $478 | $262 | $16 | $78 | $1,058 | $88 |
| SX4 Technology 2WD | $224 | $406 | $262 | $16 | $78 | $986 | $82 |
| SX4 Sportback 2WD | $150 | $252 | $268 | $16 | $80 | $766 | $64 |
| SX4 AWD AWD | $202 | $340 | $262 | $16 | $78 | $898 | $75 |
| SX4 Sport GTS | $194 | $492 | $294 | $18 | $88 | $1,086 | $91 |
| SX4 Technology AWD | $108 | $178 | $246 | $14 | $74 | $620 | $52 |
| SX4 Touring AWD | $196 | $334 | $294 | $18 | $88 | $930 | $78 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Illinois minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rates do not factor in your specific Chicago location which can impact insurance rates substantially.
Where to set your deductibles
One of the hardest decisions when shopping for auto insurance is where to set your physical damage deductibles. The rates shown below can help illustrate the differences in price when you select higher and lower physical damage deductibles. The first set of prices uses a $250 comprehensive and collision deductible and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| SX4 LE | $176 | $340 | $262 | $16 | $78 | $897 | $75 |
| SX4 2WD | $202 | $280 | $262 | $16 | $78 | $863 | $72 |
| SX4 Sport S | $202 | $400 | $262 | $16 | $78 | $983 | $82 |
| SX4 Sport SE | $202 | $400 | $262 | $16 | $78 | $983 | $82 |
| SX4 Technology 2WD | $202 | $340 | $262 | $16 | $78 | $923 | $77 |
| SX4 Sportback 2WD | $202 | $340 | $262 | $16 | $78 | $923 | $77 |
| SX4 AWD AWD | $202 | $340 | $262 | $16 | $78 | $923 | $77 |
| SX4 Sport GTS | $202 | $400 | $262 | $16 | $78 | $983 | $82 |
| SX4 Technology AWD | $228 | $340 | $262 | $16 | $78 | $949 | $79 |
| SX4 Touring AWD | $228 | $340 | $262 | $16 | $78 | $949 | $79 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| SX4 LE | $142 | $274 | $262 | $16 | $78 | $772 | $64 |
| SX4 2WD | $164 | $226 | $262 | $16 | $78 | $746 | $62 |
| SX4 Sport S | $164 | $322 | $262 | $16 | $78 | $842 | $70 |
| SX4 Sport SE | $164 | $322 | $262 | $16 | $78 | $842 | $70 |
| SX4 Technology 2WD | $164 | $274 | $262 | $16 | $78 | $794 | $66 |
| SX4 Sportback 2WD | $164 | $274 | $262 | $16 | $78 | $794 | $66 |
| SX4 AWD AWD | $164 | $274 | $262 | $16 | $78 | $794 | $66 |
| SX4 Sport GTS | $164 | $322 | $262 | $16 | $78 | $842 | $70 |
| SX4 Technology AWD | $186 | $274 | $262 | $16 | $78 | $816 | $68 |
| SX4 Touring AWD | $186 | $274 | $262 | $16 | $78 | $816 | $68 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Illinois minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Price estimates do not factor in specific location which can decrease or increase coverage rates noticeably.
Using the data above, we can ascertain that using a $250 deductible will cost you about $11 more each month or $132 a year than choosing the higher $500 deductible. Since you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you usually have more than 23 months between claims, you would save more money by selecting a higher deductible. Below is the way you can make this decision for your own policy.
| Average monthly premium for $250 deductibles: | $78 |
| Average monthly premium for $500 deductibles (subtract): | – $67 |
| Monthly savings from raising deductible: | $11 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $11 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 23 months |
An important sidenote is that increasing deductibles to save money results in a higher out-of-pocket expense at claim time. You need to make sure you have access to more funds in the event you need to pay the deductible to have repairs made.
Can higher deductibles save money?
The chart below illustrates how choosing a deductible and can influence Suzuki SX4 annual premium costs for different age groups of insureds. The rates are based on a single female driver, full coverage, and no policy discounts are applied.
Buying from car insurance agents
A small number of people would rather buy from a licensed agent and that can be a smart move Agents are highly skilled in risk management and help submit paperwork. One of the best bonuses of getting online price quotes is that you can obtain cheap car insurance quotes and also buy local. And buying from local agencies is definitely important in Chicago.
By using this form (opens in new window), the quote information is sent to participating agents in Chicago that can provide free Chicago auto insurance quotes for your coverage. You don’t have to visit any agencies since price quotes are sent instantly to you. If for some reason you want to get a price quote from a particular provider, you can always go to their quote page and submit a quote form there.
Insurance agent types
If you would like to find local Chicago agents, there are two types of insurance agents and how they can quote your rates. Agencies in Chicago are classified as either exclusive or independent (non-exclusive). Either one can properly insure your vehicles, but it’s good to learn the difference between them since it can affect which agent you choose.
Independent Agents (or Brokers)
Independent agencies are not limited to a single company so they can write business with any number of different companies depending on which coverage is best. If you are not satisfied with one company, they can switch companies in-house and you don’t have to switch agencies.
When comparing rates, we highly recommend that you get rate quotes from multiple independent agents to have the most options to choose from. Most have the option of insuring with small regional insurance companies that can offer cheaper rates than bigger companies.
Listed below is a small list of independent insurance agencies in Chicago that may be able to give competitive price quotes.
- Illinois Vehicle Auto Insurance
100 W. Randolph, Suite C14 – Chicago, IL 60601 – (312) 201-9111 – View Map - Active Insurance Agency – Auto Insurance
1034 N Ashland Ave – Chicago, IL 60622 – (773) 286-3473 – View Map - Skyline Insurance Agency, Inc.
2302 W Belmont Ave – Chicago, IL 60618 – (773) 525-7500 – View Map
Exclusive Car Insurance Agents
Exclusive agencies are contracted to one company like Allstate, Farmers Insurance, State Farm, and AAA. These agents are not able to give you multiple price quotes so you need to shop around if the rates are high. Exclusive insurance agents are usually quite knowledgeable in insurance sales which aids in selling service over price. Many people use the same agent partially due to the brand name rather than having low rates.
The following are exclusive insurance agents in Chicago willing to provide price quotes.
- Liane Williams – State Farm Insurance Agent
3143 W 71st St – Chicago, IL 60629 – (773) 436-7500 – View Map - Vivian Valtas – State Farm Insurance Agent
6108 S Archer Ave – Chicago, IL 60638 – (773) 582-3322 – View Map - Mark Mackey – State Farm Insurance Agent
3338 W Foster Ave – Chicago, IL 60625 – (773) 604-4334 – View Map
Selecting an insurance agency requires you to look at more than just a cheap quote. Agents should be asked these questions:
- Does the company use OEM repair parts?
- How long has their agency been in business in Chicago?
- Do the coverages you’re quoting properly cover your vehicle?
- Do they get extra compensation for selling add-on coverages?
- Which companies do they recommend if they are an independent agency?
- Can glass repairs be made at your home?
- Is auto insurance their primary focus in Chicago?
- Is coverage determined by price?
If you receive positive responses to your questions as well as a affordable price, you’ve probably found an insurance agent that is professional and can adequately provide car insurance. Just keep in mind once you purchase a policy you can cancel coverage at any time so don’t assume you’re contractually obligated to any specific company for a certain time period.
Car insurance coverage breakdown
Learning about specific coverages of a car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Car insurance terms can be confusing and coverage can change by endorsement.
Liability auto insurance
This coverage protects you from damage or injury you incur to people or other property that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 20/40/15 that means you have a $20,000 limit per person for injuries, $40,000 for the entire accident, and property damage coverage for $15,000. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability coverage protects against things like court costs, emergency aid, bail bonds and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible. Illinois state minimum liability requirements are 20/40/15 but it’s recommended drivers buy higher limits.
Med pay and Personal Injury Protection (PIP)
Med pay and PIP coverage provide coverage for short-term medical expenses like prosthetic devices, rehabilitation expenses, EMT expenses, hospital visits and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay
Uninsured/Underinsured Motorist (UM/UIM)
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your Suzuki SX4.
Because many people carry very low liability coverage limits (20/40/15), their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.
Collision coverage protection
Collision coverage pays for damage to your SX4 caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers claims such as colliding with a tree, colliding with another moving vehicle, backing into a parked car, damaging your car on a curb and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible on your SX4 to get cheaper collision coverage.
Comprehensive insurance
Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like fire damage, theft and hitting a deer. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Persistence will pay off
While you’re price shopping online, it’s very important that you do not buy less coverage just to save a little money. There have been many cases where someone dropped comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. The goal is to purchase plenty of coverage for the lowest cost.
Lower-priced Suzuki SX4 insurance in Chicago can be sourced both online and from local insurance agents, so get free Chicago auto insurance quotes from both of them to have the best chance of lowering rates. Some companies may not provide the ability to get quotes online and most of the time these small, regional companies only sell coverage through independent insurance agencies.
Consumers switch companies for any number of reasons including high rates after DUI convictions, denial of a claim, being labeled a high risk driver and lack of trust in their agent. It doesn’t matter what your reason, finding the right auto insurance provider can be easier than you think.
To learn more, take a look at the articles below:
- Speed and Speed Limit FAQ (iihs.org)
- Who Has the Cheapest Car Insurance Quotes for High School Students in Chicago? (FAQ)
- How Much are Car Insurance Quotes for 19 Year Olds in Chicago? (FAQ)
- How Much is Chicago Auto Insurance for 17 Year Olds? (FAQ)
- Who Has the Cheapest Chicago Car Insurance Rates for Inexperienced Drivers? (FAQ)
- Older Drivers FAQ (iihs.org)
- How to Avoid Common Accidents (State Farm)