Car Insurance Quotes for a Suzuki SX4 in Oakland

It’s a fact that auto insurance companies want to prevent you from shopping around. Consumers who compare rates at least once a year are highly likely to switch companies because there is a good chance of finding a policy with more affordable rates. A recent insurance study revealed that consumers who compared rates once a year saved approximately $3,450 over four years compared to policyholders who don’t regularly compare prices.

If saving the most money on Suzuki SX4 insurance in Oakland is why you’re here, then understanding how to get price quotes and compare auto insurance can make the process less intimidating.

Discount Suzuki SX4 insuranceIt takes a little time, but the best way to find cheaper quotes for Suzuki SX4 insurance is to start doing a yearly price comparison from companies in Oakland.

Step 1: Get an understanding of what coverages are included in your policy and the things you can control to prevent rate increases. Many policy risk factors that cause high rates like accidents, traffic violations, and a negative credit rating can be eliminated by making small lifestyle or driving habit changes.

Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from a single company like GEICO and Allstate, while agents who are independent can quote prices for a wide range of insurance providers.

Step 3: Compare the new quotes to the price on your current policy to see if you can save by switching companies. If you find a lower rate, make sure there is no lapse in coverage.

Step 4: Give proper notification to your current agent or company to cancel your current car insurance policy. Submit the application along with any required down payment for your new coverage. As soon as you receive it, put the certificate of insurance in an accessible location in your vehicle.

One tip to remember is to use similar coverage information on every quote request and and to get price estimates from every insurance company. Doing this helps ensure a fair rate comparison and a complete rate analysis.

Finding the cheapest coverage in Oakland is actually quite easy if you know where to start. If you have coverage now, you should be able to cut your premiums using the techniques covered below. Drivers only need to know the proper methods to compare prices from many companies at once.

The best way we recommend to compare rate quotes for Suzuki SX4 insurance in Oakland is to know auto insurance companies actually pay money for the chance to provide you with free rate quotes. To begin a comparison, all you need to do is provide information including what you do for a living, if the vehicle is leased, whether you have decent credit, and distance driven. The rating information gets transmitted to multiple companies and they return cost estimate within a short period of time.

To check Suzuki SX4 insurance prices now, click here and enter your zip code.

The companies shown below have been selected to offer free quotes in Oakland, CA. To locate cheap auto insurance in California, we suggest you click on several of them in order to find the lowest rates.

Discounts can help lower premiums on Suzuki SX4 insurance in Oakland

Auto insurance is not cheap nor is it fun to buy but you may be missing some discounts that can drop the cost substantially. Certain credits will be shown at quote time, but some must be specifically requested before you get the savings. If you do not check that you are getting every discount available, you are paying more than you should be.Cheaper auto insurance with discounts

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like you could get a free auto insurance policy, you aren’t that lucky.

The illustration below illustrates the comparison of Suzuki SX4 insurance rates with and without some available policy discounts. The rates are based on a female driver, no accidents, no driving violations, California state minimum liability limits, comp and collision included, 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, safe-driver, multi-car, multi-policy, and marriage discounts applied.

Popular auto insurance companies and some of the discounts include:

When getting a coverage quote, ask each company which credits you are entitled to. Savings might not apply in Oakland. If you would like to view auto insurance companies that provide some of the discounts listed above in California, follow this link.

Rates and detailed analysis

The coverage table shown below highlights detailed analysis of insurance costs for Suzuki SX4 models. Knowing how premiums are formulated can help drivers make informed purchases.


Suzuki SX4 Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SX4 LE $332 $686 $442 $26 $132 $1,618 $135
SX4 2WD $380 $564 $442 $26 $132 $1,544 $129
SX4 Sport S $380 $810 $442 $26 $132 $1,790 $149
SX4 Sport SE $380 $810 $442 $26 $132 $1,790 $149
SX4 Technology 2WD $380 $686 $442 $26 $132 $1,666 $139
SX4 Sportback 2WD $380 $686 $442 $26 $132 $1,666 $139
SX4 AWD AWD $380 $686 $442 $26 $132 $1,666 $139
SX4 Sport GTS $380 $810 $442 $26 $132 $1,790 $149
SX4 Technology AWD $430 $686 $442 $26 $132 $1,716 $143
SX4 Touring AWD $430 $686 $442 $26 $132 $1,716 $143
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Table data does not factor in zip code location which can raise or lower rates substantially.

Where to set your deductibles

One frequently asked question is how high should your deductibles be. The rates below may help you to understand how much more you’ll pay between high and low physical damage coverage deductibles. The first rate quote example uses a $100 deductible for comp and collision and the second set of prices uses a $1,000 deductible.


Suzuki SX4 insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SX4 LE $332 $686 $442 $26 $132 $1,643 $137
SX4 2WD $380 $564 $442 $26 $132 $1,569 $131
SX4 Sport S $380 $810 $442 $26 $132 $1,815 $151
SX4 Sport SE $380 $810 $442 $26 $132 $1,815 $151
SX4 Technology 2WD $380 $686 $442 $26 $132 $1,691 $141
SX4 Sportback 2WD $380 $686 $442 $26 $132 $1,691 $141
SX4 AWD AWD $380 $686 $442 $26 $132 $1,691 $141
SX4 Sport GTS $380 $810 $442 $26 $132 $1,815 $151
SX4 Technology AWD $430 $686 $442 $26 $132 $1,741 $145
SX4 Touring AWD $430 $686 $442 $26 $132 $1,741 $145
Get Your Own Custom Quote Go

Suzuki SX4 insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SX4 LE $184 $362 $442 $26 $132 $1,146 $96
SX4 2WD $210 $298 $442 $26 $132 $1,108 $92
SX4 Sport S $210 $426 $442 $26 $132 $1,236 $103
SX4 Sport SE $210 $426 $442 $26 $132 $1,236 $103
SX4 Technology 2WD $210 $362 $442 $26 $132 $1,172 $98
SX4 Sportback 2WD $210 $362 $442 $26 $132 $1,172 $98
SX4 AWD AWD $210 $362 $442 $26 $132 $1,172 $98
SX4 Sport GTS $210 $426 $442 $26 $132 $1,236 $103
SX4 Technology AWD $238 $362 $442 $26 $132 $1,200 $100
SX4 Touring AWD $238 $362 $442 $26 $132 $1,200 $100
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Premium costs do not factor in specific Oakland garaging location which can revise rates substantially.

Based on these figures, using a $100 deductible would cost the average driver about $44 more each month or $528 annually than buying the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 20 months between claim filings, you would probably come out ahead if you opt for a higher deductible.

The illustration below illustrates how choosing a deductible and can impact Suzuki SX4 yearly insurance costs for each age group. The information is based on a single male driver, full coverage, and no policy discounts are applied.

Eight Things That Influence Your Insurance Prices

When buying car insurance it’s important to understand the different types of things that help calculate the level of your policy premiums. If you have some idea of what impacts premium levels, this allows you to make good choices that can help you get lower car insurance prices.

Shown below are some of the most rate-impacting factors used by companies to determine your rate level.