2002 Suzuki Aerio Car Insurance Quotes – 6 Tips for Cheaper Rates

Finding cheaper insurance for a Suzuki Aerio can normally be difficult, but you can learn the following methods to save time.

There are more efficient ways to find insurance coverage online and we’ll show you the absolute fastest way to quote coverages on a Suzuki and get the best price possible from both online companies and local agents.

How to find cheap auto insurance

Finding a better price on auto insurance is an easy way to save money. You just have to take a couple of minutes getting comparison quotes to find out which insurance company has affordable auto insurance quotes. Comparing prices online can be done by following the guidelines below.

The best way consumers can analyze rates is an all-inclusive rate comparison click to view form in new window. This style of form keeps you from doing multiple quote forms for every prospective company. Completing one form gets you price quotes from all major companies. Recommended for those who want to invest the least amount of time.

A more time consuming way to analyze rates requires visiting the website of each company and repeat the quote process again and again. For sake of this example, we’ll assume you are doing a rate comparison from Farmers, Safeco and Liberty Mutual. To do that, you would have to visit each site and enter your policy data, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.

You can use whichever method you prefer to find lower rates, just be sure you’re using the exact same quote information for each comparison quote. If you enter different liability limits then you won’t be able to make a fair comparison for your Suzuki Aerio.

Slick advertising tricks that work

Drivers can’t avoid all the ads that claim the best rates by companies like State Farm and Allstate. All the ads convey the message that drivers can save some big amount just by moving to them.

How does every insurance coverage company cost less than your current company? You have to listen carefully.

Insurance companies give the best rates for a prospective insured that will be a good risk. A good example of a desirable risk may be between the ages of 30 and 45, owns a home, and drives newer vehicles. Any person that matches those criteria is entitled to the best price and as a result will probably save when they switch companies.

Consumers who are not a match for this ideal profile will have to pay higher premium rates and the customer buying from someone else. The ads state “customers that switch” but not “everyone who gets a quote” save the amount stated. That’s why insurance companies can make those statements.

This really illustrates why drivers should compare quotes as often as possible. It is impossible to guess which insurance coverage company will provide the lowest car insurance rates.

Lower-cost insurance coverage rates with discounts

Companies offering auto insurance don’t necessarily list every disount available in a way that’s easy to find, so the list below contains some of the best known as well as the least known credits available to bring down your rates.

• Good Student – Excelling in school can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
• Multi-line Discount – Select insurance carriers reward you with a lower rate if you buy a life policy as well.
• Federal Government Employee – Active or retired federal employment could qualify for a slight premium decrease on Aerio coverage but check with your company.
• Air Bag Discount – Factory air bags and/or automatic seat belt systems may get savings up to 30%.
• Save with More Vehicles Insured – Buying insurance for multiple vehicles with one company qualifies for this discount.
• First Accident Forgiveness – This one isn’t a discount, but companies like Geico, Progressive, and Allstate allow you one accident without getting socked with a rate hike if you are claim-free for a particular time prior to the accident.

A little disclaimer on discounts, some of the credits will not apply to the entire cost. Most only cut individual premiums such as medical payments or collision. Despite the appearance that you could get a free insurance coverage policy, insurance companies wouldn’t stay in business. Any amount of discount will reduce your overall premium however.

Some of the larger companies who may offer many of the previously listed discounts include:

• Farm Bureau
• State Farm
• Progressive
• Allstate
• Nationwide
• MetLife

Double check with every insurance company how you can save money. Some discounts might not be offered everywhere. To view insurers that offer discounts, click this link.

Tailor your auto insurance coverage to you

When it comes to choosing coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can aid in determining whether you might need an agent’s assistance.

• Am I covered when driving a rental car?
• When do I need to add a new car to my policy?
• How much can I save by bundling my policies?
• Which companies will insure high-risk drivers?
• Will I lose any money if I cancel my policy before it expires?
• Are my friends covered when driving my 2002 Suzuki Aerio?
• Am I better off with higher deductibles on my 2002 Suzuki Aerio?
• Is my vehicle covered by my employer’s policy when using it for work?
• What can I do if my company denied a claim?
• Do I really need UM/UIM coverage?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Auto insurance policy specifics

Understanding the coverages of a auto insurance policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses 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, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, a broken windshield and hail damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage protection

Collision coverage will pay to fix damage to your Aerio resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like rolling your car, scraping a guard rail, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Liability coverages

Liability insurance protects you from damages or injuries you inflict on people or other property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things such as medical expenses, pain and suffering and court costs. How much coverage you buy is up to you, but buy as large an amount as possible.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like prosthetic devices, pain medications, hospital visits, EMT expenses and dental work. They are utilized in addition to your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Power to the consumer

When getting auto insurance quotes online, make sure you don’t skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced uninsured motorist or liability limits to discover at claim time that the small savings ended up costing them much more. The aim is to purchase a proper amount of coverage at a price you can afford, but do not skimp to save money.

Cheaper insurance coverage is possible online in addition to many insurance agents, and you need to price shop both to have the best rate selection. Some companies do not provide internet price quotes and many times these small insurance companies only sell through independent insurance agencies.

Consumers switch companies for a variety of reasons including high prices, questionable increases in premium, poor customer service and unfair underwriting practices. Regardless of your reason for switching companies, switching insurance coverage companies can be less work than you think.

To learn more, take a look at these articles:

• Distracted Driving (Insurance Information Insitute)
• Vehicle Insurance (Wikipedia)
• Collision Coverage (Liberty Mutual)
• Auto Theft Statistics (Insurance Information Insitute)