2002 Suzuki Aerio Insurance Quotes – 5 Discounts for Best Rates

Looking for lower insurance coverage rates for your Suzuki Aerio? Have you fallen victim to an overpriced insurance coverage policy? Don’t sweat it because many drivers have buyer’s remorse.

Because you have many online and local companies to choose from, it’s nearly impossible to choose the cheapest company.

Five discounts for affordable car insurance rates

Car insurance can be pricey, but you may find discounts that many people don’t even know exist. Certain discounts will be triggered automatically at the time of purchase, but occassionally some discounts must be asked for before they will apply.

• Lower Rates for Military – Having an actively deployed family member could be rewarded with lower prices.
• Home Ownership Discount – Simply owning a home can save you money due to the fact that maintaining a home is proof that your finances are in order.
• Student Discounts – Excelling in school can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
• Safe Driver Discounts – Accident-free drivers can save as much as half off their rates for Aerio coverage than less cautious drivers.
• First Accident Forgiveness – but companies like State Farm and Progressive will let one accident slide without the usual rate increase so long as you are claim-free for a set time period.

It’s important to understand that some of the credits will not apply to the entire policy premium. A few only apply to individual premiums such as comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, insurance companies wouldn’t stay in business. But all discounts will bring down your overall bill.

A few companies who may offer these discounts may include but are not limited to:

• State Farm
• Liberty Mutual
• American Family
• Progressive
• Farmers Insurance
• Auto-Owners Insurance
• SAFECO

Before buying, ask all the companies how you can save money. Discounts may not apply to policyholders in your area. If you would like to choose from a list of insurers who offer car insurance discounts, follow this link.

The quickest method we recommend to compare car insurance company rates is to take advantage of the fact car insurance companies participate in a system to give you rate quotes. The one thing you need to do is provide a small amount of information such as the type of vehicles you drive, how much coverage you want, whether the vehicles are used for commuting, and if you lease or own. That rating information is automatically sent to insurance carriers in your area and you should receive rate quotes very quickly.

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Tailor your auto insurance coverage to you

When buying adequate coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that may help you determine whether or not you could use an agent’s help.

• Do I have coverage when making deliveries for my home business?
• Exactly who is provided coverage by my policy?
• Do I need PIP coverage since I have good health insurance?
• Do I need an umbrella policy?
• What is no-fault insurance?
• When should my teen driver be added to my policy?
• Does my 2002 Suzuki Aerio need full coverage?
• Is pleasure use cheaper than using my 2002 Suzuki Aerio to commute?

If you can’t answer these questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Slick advertising tricks that work

Well-known insurance coverage companies like Geico, State Farm and Progressive consistently run television, radio, and online ads. All the companies try to convey promises that drivers will save a bundle just by switching to them. That’s great but how can every company make almost identical claims? This is the trick they use.

Insurance coverage companies have underwriting criteria for the right customer that will add to their bottom line. For example, this type of risk profile may need to be a female over age 40, has few claims, and drives a safe vehicle. Any customer that hits that “sweet spot” will get a cheap rate quote as well as save a lot of money.

Drivers who don’t qualify for these standards will see a higher rate which results in the customer not purchasing. Company advertisements say “drivers that switch” not “everybody who quotes” save that much when switching. This is how companies can truthfully state the savings.

Because of these techniques, you really need to get price quotes at each policy renewal. Because you cannot predict which company will have the best car insurance rates at this point in time.

Insurance coverage breakdown

Understanding the coverages of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are the usual coverages offered by insurance companies.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for prosthetic devices, ambulance fees, nursing services, hospital visits and pain medications. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Collision coverages – Collision coverage covers damage to your Aerio caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like sideswiping another vehicle, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Coverage for liability – Liability coverage protects you from damage or injury you incur to people or other property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability can pay for claims like loss of income, funeral expenses, repair bills for other people’s vehicles, bail bonds and attorney fees. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Comprehensive insurance – This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hitting a bird, fire damage and hail damage. The maximum amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Suzuki Aerio.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

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You can do this!

We covered quite a bit of information on how to compare 2002 Suzuki Aerio insurance auto insurance rates online. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the best auto insurance rates are with a small mutual company. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.

Cost effective 2002 Suzuki Aerio insurance is available on the web and from local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some car insurance companies do not offer the ability to get quotes online and usually these regional carriers only sell through independent agents.

Additional resources

• Keeping Children Safe in Crashes Video (iihs.org)
• How to Avoid Staged Accidents (State Farm)
• Bodily Injury Coverage (Liberty Mutual)
• Comprehensive Coverage (Liberty Mutual)
• Senior Drivers (Insurance Information Insitute)
• Driving in Bad Weather (Insurance Information Insitute)

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