If you are new to getting Fresno auto insurance quotes online, you may be confused by the confusing number of insurers who all claim to have the lowest rates for Suzuki Equator insurance in Fresno.
Unbelievably, the vast majority of drivers kept their coverage with the same auto insurance company for over three years, and just under half have never compared rate quotes at all. The average driver in America could cut their rates by $859 a year by just comparing rate quotes, but they feel it’s too difficult to find affordable rates by getting comparison quotes.
Consumers should take time to do rate comparisons before your policy renews because insurance rates are rarely the same from one policy term to another. Even if you think you had the lowest rate on Suzuki Equator insurance in Fresno on your last policy you will most likely find a better price today. There is a lot of bad advice regarding Equator insurance online but in just a couple of minutes you can learn some great ideas on how to buy auto insurance cheaper in Fresno.
If you have coverage now, you will surely be able to find the best rates using this strategy. Finding and buying the best policy in Fresno is easy to do. Although California vehicle owners must understand the way insurance companies charge you for coverage because rates are impacted by many factors.
To find low cost Fresno auto insurance quotes, there are several ways to compare rate quotes from different Fresno insurance companies. The best method to find cheaper rates is to use the internet to compare rates.
Just remember that comparing a large number of companies helps locate better pricing.
The following companies can provide free rate quotes in Fresno, CA. If your goal is to find the best car insurance in California, we suggest you click on several of them to find the cheapest auto insurance rates.
Why do I need car insurance?
Despite the high cost, maintaining insurance is most likely required but also gives you several important benefits.
First, the majority of states have mandatory insurance requirements which means you are required to buy specific minimum amounts of liability if you want to drive legally. In California 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.
Second, if you have a lien on your vehicle, almost every bank will have a requirement that you buy full coverage to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the lender may insure your Suzuki at a more expensive rate and require you to reimburse them for the expensive policy.
Third, insurance safeguards not only your car but also your financial assets. Insurance will also pay for all forms of medical expenses for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees if someone files suit against you as the result of an accident. If your Suzuki gets damaged, your car insurance policy will pay to restore your vehicle to like-new condition.
The benefits of insuring your car outweigh the cost, especially with large liability claims. On average, a vehicle owner in Fresno is overpaying more than $855 a year so compare rates each time the policy renews to ensure rates are competitive.
Insurance statistics and figures
The rate information below outlines detailed analysis of insurance coverage prices for Suzuki Equator models. Understanding more about how insurance policy premiums are determined can help drivers make smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Equator Ext Cab 2WD | $176 | $336 | $574 | $34 | $172 | $1,292 | $108 |
| Equator Ext Cab 2WD | $176 | $336 | $574 | $34 | $172 | $1,292 | $108 |
| Equator Ext Cab 2WD | $202 | $408 | $574 | $34 | $172 | $1,390 | $116 |
| Equator Ext Cab 2WD | $202 | $408 | $574 | $34 | $172 | $1,390 | $116 |
| Equator Ext Cab 4WD | $202 | $408 | $574 | $34 | $172 | $1,390 | $116 |
| Equator Crew Cab 4WD | $228 | $482 | $574 | $34 | $172 | $1,490 | $124 |
| Equator Crew Cab 4WD | $228 | $482 | $574 | $34 | $172 | $1,490 | $124 |
| Equator Crew Cab 4WD | $228 | $482 | $574 | $34 | $172 | $1,490 | $124 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Premium amounts do not factor in your specific Fresno location which can change coverage prices greatly.
Should you buy full coverage?
The diagram below shows the comparison of Suzuki Equator insurance costs with and without physical damage coverage. The rate quotes are based on no tickets, no at-fault accidents, $250 deductibles, marital status is single, and no discounts are taken into consideration.
Are you wasting money on full coverage?
There isn’t a steadfast formula to eliminate full coverage on your policy, but there is a general convention. If the yearly cost of full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.
For example, let’s assume your Suzuki Equator settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $3,000 after paying your policy deductible. If you are paying over $300 annually to have full coverage, then you might want to consider buying only liability coverage.
There are a few situations where dropping full coverage is not in your best interest. If you still owe a portion of the original loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not eliminate full coverage.
Lower-cost Fresno insurance rates with discounts
Some companies don’t always list every possible discount in an easy-to-find place, so the following list contains a few of the more common as well as the least known credits that may apply to you. If you check and find you aren’t receiving every discount available, you’re just leaving money on the table.
- Low Miles Discount – Low annual miles may allow you to get better rates on cars that stay parked.
- Fresno Homeowners Discount – Owning a house in Fresno can earn you a little savings because of the fact that having a home shows financial diligence.
- Discounts for Federal Employees – Simply working for the federal government could cut as much as 10% off with select insurance companies.
- Accident Forgiveness Coverage – Not a discount per se, but some companies like State Farm and GEICO may permit one accident before your rates go up with the catch being you have to be claim-free for a specific time period.
- Senior Citizen Rates – Drivers that qualify as senior citizens may receive a discount up to 10%.
- Student in College – Older children who live away from home to go to college and don’t have a car could qualify for this discount.
- Telematics Devices – People who choose to allow their company to monitor where and when they drive through the use of a telematics system like Allstate’s Drivewise may get a rate reduction if their driving habits are good.
- Drivers Ed for Students – Have your child take driver’s ed class as it will make them better drivers and lower rates.
- Paperwork-free – Some larger companies will give a small break for buying your policy on the internet.
It’s important to understand that most credits do not apply to the overall cost of the policy. Most cut specific coverage prices like medical payments or collision. So despite the fact that it appears you could get a free insurance policy, that’s just not realistic.
The illustration below shows the comparison of Suzuki Equator car insurance costs with and without some available policy discounts. The rate quotes are based on a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, multi-policy, safe-driver, homeowner, and marriage discounts applied.
A list of companies and some of the discounts are outlined below.
- GEICO has savings for defensive driver, good student, air bags, seat belt use, multi-policy, daytime running lights, and multi-vehicle.
- Auto-Owners Insurance policyholders can earn discounts including air bags, safe driver, multiple vehicles, group or association, and mature driver.
- American Family discounts include bundled insurance, accident-free, multi-vehicle, good student, air bags, and Steer into Savings.
- Esurance may include discounts for online quote, safety device, good student, defensive driver, and online shopper.
- Progressive includes discounts for online quote discount, homeowner, good student, multi-vehicle, continuous coverage, and online signing.
- State Farm may have discounts that include Drive Safe & Save, multiple autos, good student, student away at school, anti-theft, good driver, and multiple policy.
- AAA offers discounts for education and occupation, anti-theft, multi-car, good student, pay-in-full, multi-policy, and good driver.
Check with each company or agent how many discounts you can get. Some discounts listed above may not be offered in Fresno. For a list of insurers that can offer you the previously mentioned discounts in California, click here to view.
Compare prices but work with a neighborhood Fresno auto insurance agent
Many people would prefer to go talk to an agent and that is recommended in a lot of cases The best thing about comparing rate quotes online is you can get cheaper prices and still buy from a local agent.
Once you complete this simple form, your coverage information gets sent to local insurance agents in Fresno who will give competitive quotes for your coverage. There is no reason to find an agent as quotes are delivered to your email. It’s the lowest rates and an insurance agent to talk to. If you need to compare prices from a specific insurance company, you would need to find their quoting web page and submit a quote form there.
Deciding on an insurance company should include more criteria than just a cheap quote. These are some valid questions you should ask.
- Do the companies they represent have a solid financial rating?
- Does the agency have a positive business rating?
- What are their preferred companies if they are an independent agency?
- Is there a local claims center in Fresno?
- Do they have any clout with companies to ensure a fair claim settlement?
- Is the agent properly licensed in California?
- Does the agent help file claims?
- How much experience to they have in personal lines coverages?
When looking for an insurance agent, there are a couple of types of insurance agents that differ in how they can insure your vehicles. Auto insurance policy providers can be classified as either independent (non-exclusive) or exclusive.
Exclusive Insurance Agents
Agents in the exclusive channel can only provide one company’s prices and some examples include AAA, Allstate, and State Farm. These agents are not able to provide other company’s prices so they have to upsell other benefits. They are well schooled on their company’s products which helps them sell on service rather than price. A lot of people use the same exclusive agent mostly because of the brand name rather than low rates.
Listed below are Fresno exclusive insurance agents who may provide you with comparison quotes.
- Farmers Insurance – Jagdeep Singh
4185 W Figarden Dr #101 – Fresno, CA 93722 – (559) 527-5530 – View Map - Tim Franz – State Farm Insurance Agent
5534 E Kings Canyon Rd – Fresno, CA 93727 – (559) 251-3777 – View Map - Allstate Insurance: Ron Meadows
1750 E Bullard Ave Ste 101 – Fresno, CA 93710 – (559) 432-0656 – View Map
Independent Insurance Agents
Agents of this type are normally appointed by many insurers and that gives them the ability to insure with a variety of different insurance companies and possibly get better coverage at lower prices. If you want to switch companies, your policy is moved internally and you won’t have to switch agencies. When shopping rates, you need to get several quotes from several independent insurance agents for maximum quote selection. Many independent agencies also insure through mutual insurance companies which may provide better rates.
Shown below is a short list of independent agents in Fresno willing to provide price quotes.
- DiBuduo and DeFendis Insurance Brokers LLC
6873 N West Ave – Fresno, CA 93711 – (559) 432-0222 – View Map - New Horizon Insurance Services- Fresno
7543 N Ingram Ave #105 – Fresno, CA 93711 – (559) 244-6644 – View Map - Dalena Benik and Associates Insurance
6740 N. West Street #108 – Fresno, CA 93711 – (559) 578-3022 – View Map
Once you have received positive feedback and a good coverage price, you’ve probably found an insurance agent that meets your needs to properly insure your vehicles. Just be aware that you can cancel your policy whenever you want so don’t think you are locked into any specific company indefinitely.
Different people need different auto insurance coverages
When quoting and choosing coverage for your vehicles, there isn’t really a one size fits all plan. Your needs are unique to you and your policy should reflect that.
For instance, these questions might help in determining if your insurance needs might need professional guidance.
- Should I get collision insurance on every vehicle?
- What does medical payments coverage do?
- What are the liability requirements in my state?
- Am I covered if I have no license?
- Can I make deliveries for my home business?
- Am I covered if I hit my neighbor’s mailbox?
- What is roadside assistance coverage?
- Is borrowed equipment or tools covered if stolen or damaged?
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier
How to find a good California auto insurance company
Ending up with a highly-rated insurance company can be challenging considering how many companies are available to choose from in Fresno. The company information listed below may help you choose which car insurance providers you want to consider when comparing rate quotes.
Top 10 Fresno Car Insurance Companies Overall
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Top 10 Fresno Car Insurance Companies Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Smart consumers save more
When getting Fresno auto insurance quotes online, never skimp on coverage in order to save money. There have been many cases where an insured cut collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to get the best coverage possible at the best possible price while still protecting your assets.
Throughout this article, we presented many tips how you can lower your Suzuki Equator insurance prices in Fresno. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may even be surprised to find that the lowest prices are with a small local company. Regional companies may have significantly lower rates on certain market segments than their larger competitors like Allstate, GEICO and Progressive.
How to buy lower priced Suzuki Equator insurance in Fresno
The most effective way to find affordable quotes for Suzuki Equator insurance is to regularly compare price quotes from insurers who provide auto insurance in Fresno.
First, try to understand what coverages are included in your policy and the things you can change to prevent expensive coverage. Many policy risk factors that cause high rates such as traffic citations and poor credit history can be improved by paying attention to minor details.
Second, compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from a single company like GEICO or Farmers Insurance, while independent agencies can provide rate quotes for a wide range of companies.
Third, compare the new rate quotes to the price on your current policy and see if there is a cheaper rate in Fresno. If you can save some money and switch companies, verify that coverage does not lapse between policies.
Fourth, notify your current company to cancel your current auto insurance policy. Submit a down payment and signed policy application to your new company or agent. As soon as you receive it, keep the new certificate of insurance in an easily accessible location.
The most important part of shopping around is to make sure you enter the same level of coverage on each quote request and and to look at every company you can. This provides the most accurate price comparison and the best price selection.
More resources
- Comprehensive Coverage (Liberty Mutual)
- Who Has Affordable Auto Insurance for State Employees in Fresno? (FAQ)
- What Insurance is Cheapest for a 20 Year Old Female in Fresno? (FAQ)
- How Much is Fresno Auto Insurance for a Hyundai Elantra? (FAQ)
- Who Has Cheap Fresno Auto Insurance for 18 Year Olds? (FAQ)
- What Car Insurance is Cheapest for a Honda Civic in Fresno? (FAQ)
- What Insurance is Cheapest for a Toyota Highlander in Fresno? (FAQ)
- Things to Know Before you Cancel Insurance (Allstate)
- Credit and Insurance Scores (Insurance Information Institute)