2003 Suzuki Aerio Insurance Rates – 10 Discounts for Best Quotes

Paying for expensive Suzuki Aerio insurance can draw down your budget and force you to make tough financial choices. Big-name insurance companies like State Farm, Progressive and GEICO promote their brand names with TV and radio ads and it is challenging if not impossible to ignore the promise of big savings and take the time to shop coverage around.

You should take the time to do price comparisons before your policy renews because insurance rates are adjusted regularly by insurance companies. Even if you think you had the best premium rates on Aerio insurance two years ago a different company probably has better prices today. Ignore everything you know about insurance because you’re about to find out the only way to save money, get proper deductibles and limits, all at the lowest rate.

Lower rate quotes by receiving these ten discounts

Car insurance companies don’t always advertise every discount very clearly, so the list below gives a summary of both the well known and also the lesser-known credits that may apply to you.

  • Safety Course Discount – Taking time to complete a course that instructs on driving safety may get you a small discount if you qualify.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off the medical payments premium.
  • Multiple Policy Discount – When you combine your auto and homeowners insurance and insure them with the same company you could save up to 20% off your total premium.
  • First Accident Forgiveness – but some insurance companies may permit one accident without raising rates so long as you are claim-free before the accident.
  • Drive Safe and Save – Accident-free drivers can save up to 40% or more on their auto insurance quote on Aerio insurance than drivers with accident claims.
  • Low Mileage Discounts – Driving less may enable drivers to earn cheaper premium rates.
  • Professional Organizations – Affiliation with qualifying clubs or civic groups could earn you a nice discount on car insurance.
  • Driver’s Ed – It’s a good idea to have your young drivers take driver’s ed class in high school.
  • No Claim Discounts – Insureds with no claims or accidents are rewarded with significantly better rates on auto insurance quote in comparison with policyholders that have many claims.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles have fewer accidents and will save you 10% or more.

A quick disclaimer, many deductions do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as collision or personal injury protection. Just because you may think all those discounts means the company will pay you, companies don’t profit that way.

To see a list of insurers who offer cheap car insurance quotes, click here to view.

Your auto insurance coverage should be tailored to you

When choosing adequate coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions can help discover if your situation will benefit from professional help.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need rental car coverage?
  • Why does it cost so much to insure a teen driver?
  • Is other people’s property covered if stolen from my vehicle?
  • Is my ex-spouse still covered by my policy?
  • Should I bundle my homeowners policy with my auto?

If you’re not sure about those questions, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It is quick, free and can provide invaluable advice.

Parts of your insurance policy

Understanding the coverages of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types available from insurance companies.

Comprehensive or Other Than Collision – This coverage covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, theft and fire damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability auto insurance – Liability coverage can cover damage or injury you incur to a person or their property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like repair bills for other people’s vehicles, bail bonds and medical expenses. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Collision coverages – This coverage covers damage to your Aerio resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a ditch, rolling your car and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for expenses such as surgery, nursing services, hospital visits, funeral costs and dental work. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

UM/UIM Coverage – This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your 2003 Suzuki Aerio.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

In conclusion

When shopping online for insurance, you should never reduce coverage to reduce premium. In many cases, consumers will sacrifice collision coverage and found out when filing a claim that it was a big error on their part. The proper strategy is to get the best coverage possible at an affordable rate, but do not sacrifice coverage to save money.

Cheap 2003 Suzuki Aerio insurance can be sourced both online and with local insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance companies may not provide rates over the internet and these small insurance companies sell through independent agents.

More detailed insurance information can be read by following these links:

Comments About 2003 Suzuki Aerio Insurance

  1. Abbey Gordon

    Does Illinois require liability coverage?

  2. Jimmie Hood

    Found cheapest coverage with Western Auto Insurance for my 2003 Suzuki Aerio and cut my rates about $90 a year. Left Travelers to switch. I think they have home insurance too. Just waiting to see how claims go.

  3. Jenni Cote

    Great info, thanks for posting. Found cheapest coverage with Nationwide for my 2003 Suzuki Aerio and saved about $120 a year. I think they have home insurance too. LOL

  4. Lavon Valenzuela

    Will 21st Century cancel my policy for a liability claim?

  5. Meggan Skinner

    I was with Hanover last year but switched to GEICO. From a town just southwest of San Jose, CA. I got prices on the web.

  6. Coralie Waters

    Thanks for putting this site together. Checking in from Little Rock, AR. Not sure of all the companies but I ended up saving about $20 each month. I think they have home insurance too. LOL

  7. Kallie Guerra

    Found cheapest coverage with 21st Century for my 2003 Suzuki Aerio and cut my rates about $80 a year. Can still barely afford it.