Lower Your 2008 Suzuki Forenza Insurance Quotes
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Benji Carr
Former Licensed Life Insurance Agent
Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.
Former Licensed Life Insurance Agent
UPDATED: Jun 26, 2018
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 26, 2018
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Looking for lower insurance rates for your Suzuki Forenza? Think you have overpriced insurance? Don’t feel bad because there are a lot of people just like you who feel imprisoned by their insurance policy. Multiple car insurance companies compete for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the lowest cost out there.
If you have insurance now or need a new policy, you can use these tips to cut your premiums while maintaining coverages. Choosing the best insurance company for you is not rocket science. Drivers only need to know the best way to shop for auto insurance over the internet.
Car insurance discounts are available to cut your rates
Car insurance can cost a lot, but you can get discounts that you may not know about. Larger premium reductions will be automatically applied at the time of quoting, but a few need to be requested specifically in order for you to get them.
- Include Life Insurance and Save – Companies who offer life insurance give a break if you buy auto and life insurance together.
- Multiple Policy Discount – If you combine your auto and home policies with the same insurance company you may earn at least 10% off all policies.
- Smart Student Discounts – A discount for being a good student could provide a savings of up to 20% or more. The discount lasts up until you turn 25.
- Save with More Vehicles Insured – Buying insurance for multiple cars with one company qualifies for this discount.
- Drivers Ed for Students – Teen drivers should complete a driver education course in high school.
- Savings for New Vehicles – Insuring a new car may earn a small discount due to better safety requirements for new vehicles.
A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.
A few companies who may offer these discounts include:
Check with each insurance company what discounts are available to you. A few discounts might not be offered on policies everywhere.
Enter your zip code below to view companies that have cheap auto insurance rates.
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Good decisions result in lower insurance costs
Part of the car insurance buying process is learning some of the things that help determine your car insurance rates. If you have some idea of what impacts premium levels, this allows you to make good choices that will entitle you to lower premium levels.
- Never let your car insurance policy lapse – Driving with no insurance is not a good idea and car insurance companies will penalize you for letting your coverage lapse. In addition to paying higher premiums, failure to provide proof of insurance might get you fines and jail time.
- High comp and collision deductibles reduce costs – Insurance for physical damage to your car, aka comp and collision, protects your Suzuki from damage. Some coverage claims would be a broken windshield, hail damage, and having your car stolen. Your deductibles tell how much you are willing to pay if a covered claim is submitted. The more money you are required to pay out-of-pocket, the better rate you will receive on Forenza insurance.
- Cautious drivers pay better prices – Being a careful driver impacts premiums far more than you think. Attentive drivers pay lower auto insurance prices than people who have multiple driving citations. Only having one speeding ticket may cause rates to rise forty percent or more. People who have license-revoking tickets such as DUI or reckless driving may find that they have to to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to continue driving.
- Know your credit rating – A driver’s credit rating can be a huge factor in determining premium rates. People with high credit scores tend to be more responsible as compared to drivers with poor credit. If your credit is not that good, you could save money insuring your 2008 Suzuki Forenza by repairing your credit.
- Single drivers take more risk – Having a wife or husband may cut your premiums on car insurance. Marriage may mean you are more mature and statistics show being married results in fewer claims.
Everyone needs different insurance coverage coverages
When it comes to choosing the best insurance coverage coverage, there isn’t really a perfect coverage plan. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that may help you determine whether you would benefit from professional advice.
- Is my business laptop covered if it gets stolen from my vehicle?
- What should my uninsured motorist coverage limits be in my state?
- Does car insurance cover theft of personal property?
- Am I covered if I drive in a foreign country?
- Should I carry comprehensive and collision coverage?
- If my pet gets injured in an accident are they covered?
- What is the ISO rating for a 2008 Suzuki Forenza?
- How does medical payments coverage work?
- Is a blown tire covered by insurance?
- I have good health insurance, so how much medical payments coverage do I need?
If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and you can get the answers you need.
Insurance myths debunked
Consumers constantly see and hear ads that claim the lowest premium rates from companies such as Geico, State Farm and Progressive. They all have a common claim of big savings if you change to them.
But how can every company make the same claim? This is how they do it.
Insurance companies give the cheapest rates for the driver that makes them money. For instance, this type of driver might be a married female, has a clear driving record, and drives a car with an anti-theft system. Anyone who meets those qualifications will get the preferred premium rates and will also save when they switch companies.
People who fall outside these stringent criteria will be charged higher premiums which results in business going elsewhere. Company advertisements say “customers that switch” not “everyone that quotes” save that kind of money. That is how companies can truthfully lure you into getting a quote. This emphasizes why it’s extremely important to get as many free car insurance quotes as possible. It’s just not possible to know which company will provide you with the cheapest car insurance rates.
Enter your zip code below to view companies that have cheap auto insurance rates.
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Coverages available on your auto insurance policy
Learning about specific coverages of auto insurance helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types found on most auto insurance policies.
Liability insurance – Liability insurance can cover injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.
Liability coverage protects against things like legal defense fees, loss of income, repair costs for stationary objects and court costs. How much coverage you buy is a personal decision, but you should buy higher limits if possible.
Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for bills for dental work, rehabilitation expenses, EMT expenses and chiropractic care. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your Suzuki Forenza.
Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.
Collision coverages – This will pay to fix damage to your Forenza caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims like hitting a mailbox, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.
Comprehensive auto coverage – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as hail damage, vandalism, hitting a deer, fire damage and a broken windshield. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
In any little way, save everyday
You just read many ways to lower your 2008 Suzuki Forenza insurance premium rates. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding cheaper car insurance. Consumers could even find that the lowest premium rates come from some of the smallest insurance companies. These companies often have lower prices on specific markets than their larger competitors like Progressive or Geico.
As you restructure your insurance plan, do not reduce needed coverages to save money. In many instances, an insured cut liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. The aim is to buy a smart amount of coverage at the best possible price, but do not skimp to save money.
Helpful resources
- Distracted Driving Statistics (Insurance Information Insitute)
- Things to Know Before you Cancel Insurance (Allstate)
- Understanding Rental Car Insurance (Insurance Information Insitute)
- Insuring a Leased Car (Insurance Information Insitute)
- Coverage Information (Progressive Insurance)
- Understanding your Policy (NAIC.org)
Enter your zip code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Benji Carr
Former Licensed Life Insurance Agent
Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.
Former Licensed Life Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.