2013 Suzuki Kizashi Car Insurance Rates

Being forced to pay for high-priced auto insurance premiums can dwindle your funds and put the squeeze on your family’s finances. Popular companies such as State Farm and Geico constantly bombard you with ads and it can be hard to ignore the promise of big savings and effectively compare rates to find the best deal.

If you are insured now or need new coverage, you can learn to get lower rates while maintaining coverages. Choosing the best insurance company for you is quite easy. Consumers just need to understand the most efficient way to shop for insurance coverage online.

Find discounts on insurance coverage

Some insurance providers don’t list every discount they offer in a way that’s easy to find, so the list below details a few of the more well known and also the more inconspicuous credits that may apply to you. If you’re not getting every credit available, you could be saving more on your insurance coverage.

• Discount for Good Grades – This discount may save you up to 25%. The good student discount can last up to age 25.
• Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
• Sign Online – A few insurance companies give back up to $50 simply for signing on your computer.
• Low Mileage – Low annual miles could qualify for lower rates on the low mileage vehicles.
• Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and that can save you a little bit as well.
• Pay Early and Save – If you pay your bill all at once rather than paying monthly you could save up to 5%.

Consumers should know that most discounts do not apply to the entire policy premium. Some only reduce individual premiums such as liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, you aren’t that lucky. But all discounts should definitely cut the amount you have to pay.

A list of companies and some of the premium reductions they offer are outlined below.

• State Farm has discounts for good student, Drive Safe & Save, anti-theft, passive restraint, multiple policy, and accident-free.
• Geico offers premium reductions for military active duty, federal employee, five-year accident-free, good student, multi-vehicle, air bags, and multi-policy.
• SAFECO may include discounts for anti-theft, teen safety rewards, bundle discounts, drive less, homeowner, and anti-lock brakes.
• Farmers Insurance may offer discounts for good student, bundle discounts, early shopping, switch companies, youthful driver, multi-car, and distant student.
• AAA offers discounts including anti-theft, AAA membership discount, pay-in-full, good student, multi-policy, good driver, and multi-car.
• USAA includes discounts for new vehicle, safe driver, defensive driver, military installation, and good student.

Before purchasing a policy, check with each insurance company how many discounts you can get. Some discounts might not be available to policyholders everywhere. If you would like to see a list of providers that can offer you the previously mentioned discounts, click here.

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Why smart buyers pay less for Suzuki Kizashi insurance

A large part of saving on insurance is knowing the different types of things that play a part in calculating your premiums. When consumers understand what determines base rates, this enables you to make decisions that could result in much lower annual insurance costs. Many factors are part of the equation when you get your auto insurance bill. Some of the criteria are obvious like a motor vehicle report, but some are more transparent such as your credit history or how financially stable you are.

• Pay more by driving carelessly – Even a single speeding ticket or other violation can increase the cost of insurance by twenty percent. Attentive drivers have lower premiums as compared to careless drivers. People who have careless violations like reckless driving, hit and run or driving under the influence are required to file a SR-22 with their state’s licensing department in order to legally drive.
• Your employer and insurance rates – Did you know your occupation can influence how much you pay for insurance? Occupations like doctorsairline pilots and dentists generally pay higher premium rates in part from stressful work requirements and incredibly demanding work hours. Other careers like actors, athletes and the unemployed have the lowest average rates for Kizashi coverage.
• Do you need those add-on coverages? – Insurance companies have many optional add-on coverages that can waste your money if you aren’t careful. Things like roadside assistance, better glass coverage, and additional equipment coverage are some examples. The coverages may be enticing when buying your policy, but if you don’t need them eliminate the coverages to reduce your premium.
• Save annual miles and save money – The more you drive your Suzuki annually the higher your rate. The majority of insurers calculate rates determined by how the vehicle is used. Cars used primarily for pleasure use qualify for better rates than those that get driven frequently. An improperly rated Kizashi is just wasting money. Verify your policy states the right rating data, because improper ratings can cost you money.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage, there isn’t really a “best” method to buy coverage. Every situation is different and your policy should reflect that. For instance, these questions could help you determine whether or not you would benefit from professional advice.

• How much underlying liability do I need for an umbrella policy?
• I have health insurance so do I need medical payments coverage?
• Are all vehicle passengers covered by medical payments coverage?
• Should I get collision insurance on every vehicle?
• How high should my medical payments coverage be?
• Can I drive in Mexico and have coverage?
• What are the financial responsibility laws in my state?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

But they said I’d save $474 a year!

Consumers get pounded daily by advertisements for the lowest price auto insurance by Geico, State Farm and Progressive. All the ads make the same claim that drivers can save some big amount if you get a free insurance coverage quote and switch your policy.

How is it possible that every company can give you a lower rate?

All the different companies have specific guidelines for the type of customer that earns them a profit. An example of this type of driver may need to be a married female, has other policies, and has a short commute. A propective insured who meets those qualifications will get low car insurance rates and therefore will pay quite a bit less when switching companies.

Insureds who don’t qualify for these stringent criteria will probably be forced to pay more expensive rates with the end result being the customer buying from a different company. The wording the ads use say “people who switch” not “all people who quote” save that much. That’s the way insurance companies can confidently make the claims of big savings.

Because of the profiling, you really need to compare rate quotes every year. It’s not possible to predict the company that will provide you with the cheapest premium rates.

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Parts of your insurance policy

Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages offered by insurance companies.

Collision coverage – This pays for damage to your Kizashi resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as hitting a parking meter, damaging your car on a curb, crashing into a ditch, crashing into a building and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Liability – Liability insurance can cover damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like medical expenses, repair bills for other people’s vehicles, attorney fees, emergency aid and pain and suffering. How much coverage you buy is your choice, but consider buying as much as you can afford.

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as falling objects, theft and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical costs insurance – Med pay and PIP coverage provide coverage for short-term medical expenses for things like nursing services, dental work, X-ray expenses and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Suzuki Kizashi.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

A little work can save a LOT of money

We just showed you a lot of techniques to reduce 2013 Suzuki Kizashi insurance rates online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your car insurance rates. You may be surprised to find that the best rates are with the smaller companies. Regional companies can often provide lower car insurance rates in certain areas compared to the large companies like Allstate, Geico and Progressive.

As you shop your coverage around, you should never skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed collision coverage and discovered at claim time they didn’t have enough coverage. Your aim should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

Additional articles

• Your Car has been Stolen: Now What? (Allstate)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Safety Features for Your New Car (State Farm)

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