Compare 2010 Suzuki Kizashi Insurance Quotes

No one looks forward to paying for auto insurance, especially knowing they are paying too much. Since consumers have many choices of insurance companies, it can be diffult for consumers to choose the best insurer.

How to Buy Insurance Online

There are several ways to compare Suzuki Kizashi insurance quotes, but there is one way that is easier and takes less work. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you could save time and use online quotes to get the quickest rates.

All the larger companies enroll in a system that enables customers to complete one form, and each company provides a quote. This saves time by eliminating quote requests to each individual insurance company.

To participate in this free quote system, click here to open in new window.

The single downside to doing it this way is you are unable to specify which providers you want pricing from. So if you prefer to choose individual companies to receive pricing from, we put together a list of low cost insurance companies in your area. Click here to view list.

Whichever way you use, compare identical coverages and limits for each comparison quote. If each company quotes different values for each quote then you won’t be able to make an equal comparison.

The auto insurance bait and switch

Consumers can’t get away from ads for cheaper car insurance from companies such as State Farm, Allstate and GEICO. They all seem to have a common claim that you can save if you change your policy.

How does each company make almost identical claims?

Different companies can use profiling for the right customer that is profitable for them. A good example of a preferred risk might be over the age of 50, has no prior claims, and has a high credit rating. Any new insured who meets those qualifications is entitled to the best price and most likely will save a lot of money.

Potential insureds who don’t measure up to the “perfect” profile will be quoted higher premiums which leads to the customer not buying. The ads say “customers who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can advertise the savings. This emphasizes why you absolutely need to get as many comparisons as possible. You cannot predict the company that will have the lowest Suzuki Kizashi insurance rates.

Complexity of Suzuki Kizashi insurance rates

An important part of buying insurance is that you know the rating factors that go into determining the rates you pay for car insurance. Understanding what influences your rates helps enable you to make changes that will entitle you to better car insurance rates.

Listed below are a partial list of the pieces that factor into prices.

  • Never go without insurance – Not having insurance is illegal and you will pay a penalty because you let your insurance lapse. Not only will rates go up, getting caught without coverage can result in a license revocation or jail time.Then you may be required to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • Your car insurance rates can be influenced by your job – Did you know your car insurance rates can be affected by your occupation? Jobs such as real estate brokers, executives and dentists tend to have the highest average rates attributed to high stress and lots of time spent at work. Other jobs such as scientists, historians and homemakers receive lower rates on Kizashi coverage.
  • Special features that cut premiums – Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft.
  • Policy add-ons can waste money – There are many add-on coverages that can waste your money if you aren’t careful. Coverages for roadside assistance, accident forgiveness and membership fees are some examples. These may sound like a good investment at first, but your needs may have changed so eliminate them to save money.
  • Increase deductibles and save – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Suzuki. Examples of covered claims are collision with another vehicle, damage caused by hail, and windstorm damage. The deductibles are how much you are willing to pay out-of-pocket in the event of a claim. The more expense you’re willing to pay, the bigger discount you will receive on Kizashi coverage.
  • Mature drivers pay less – Teen drivers have a tendency to be careless and easily distracted when behind the wheel so they pay higher car insurance rates. Older insureds are more cautious drivers, tend to cause fewer accidents and tend to be better behind the wheel.
  • Don’t sacrifice liability coverage – Your policy’s liability coverage is the coverage that protects you if ever a jury decides you are liable for personal injury or accident damage. Liability provides legal defense up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.

Don’t pay full price with these discounts

Companies do not list all their discounts in an easy-to-find place, so here is a list both the well known as well as the least known savings tricks you should be using. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Homeowners Discount – Owning a home can help you save on auto insurance because maintaining a house is proof that your finances are in order.
  • Auto/Home Discount – When you have multiple policies with the same company you will save at least 10% off all policies.
  • E-sign – A few companies will give a small break just for signing your application over the internet.
  • Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
  • Good Student Discount – This discount can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • New Vehicle Savings – Insuring a new car can be considerably cheaper compared to insuring an older model.
  • Payment Method – If paying your policy premium upfront instead of paying each month you can actually save on your bill.

Keep in mind that many deductions do not apply the the whole policy. Some only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, it doesn’t quite work that way.

Insurance companies that may offer these benefits are:

Double check with all companies you are considering what discounts are available to you. Some discounts might not apply in every state.

Your personal situation dictates your coverage

When buying proper insurance coverage, there is no “best” method to buy coverage. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions may help highlight if you might need professional guidance.

  • Is my teen driver covered when they drive my company car?
  • What is no-fault insurance?
  • Is my nanny covered when driving my vehicle?
  • Where can I find DUI or SR-22 insurance?
  • How do I insure my teen driver?
  • Am I covered if I wreck a rental car?
  • Should I sign the liability waiver when renting a car?
  • Should I have combined single limit or split liability limits?
  • What is the minimum liability in my state?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Auto insurance coverage information

Learning about specific coverages of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are the usual coverages found on most insurance policies.

Collision coverage protection

Collision insurance pays for damage to your Kizashi from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a parking meter, backing into a parked car and scraping a guard rail. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 2010 Suzuki Kizashi.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like nursing services, funeral costs, EMT expenses, doctor visits and chiropractic care. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, damage from getting keyed, damage from flooding, falling objects and hitting a bird. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for liability

Liability insurance provides protection from damage that occurs to other’s property or people. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for things like loss of income, attorney fees, bail bonds and medical services. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

In the end, you save

We covered some good ideas how you can reduce 2010 Suzuki Kizashi insurance prices online. It’s most important to understand that the more companies you get rates for, the better your comparison will be. Consumers could even find that the most savings is with the least-expected company. Some small companies may have significantly lower rates on certain market segments compared to the large companies like Allstate, GEICO and Progressive.

Cheap insurance can be purchased online in addition to many insurance agents, so you should be comparing quotes from both to have the best selection. A few companies do not provide online quoting and most of the time these small insurance companies sell through independent agents.

Additional resources