How Much Does 2004 Suzuki Aerio Insurance Cost?

Searching for the cheapest insurance rates for your Suzuki Aerio? Locating the cheapest insurance for a Suzuki Aerio could be a painful process, but you can learn a few tricks to save time.

There are more efficient ways to find insurance online so you’re going to learn the proper way to price shop coverage for a new or used Suzuki and obtain the lowest possible price from both online companies and local agents.

You should make it a habit to check insurance prices periodically since insurance prices are adjusted regularly by insurance companies. Even if you got the best quotes on Aerio coverage a year ago you can probably find a lower rate today. Forget all the misinformation about insurance because you’re going to get a crash course in the proper way to lower your annual insurance bill.

If you have a policy now or are just looking to switch companies, you will benefit by learning to cut your premiums and possibly find even better coverage. Pricing affordable coverage can be fairly easy. Drivers just need to learn the tricks to shop for auto insurance on the web.

Lower-cost insurance rates with discounts

Properly insuring your vehicles can get expensive, but you may be missing some discounts that you may not know about. Many discounts should be triggered when you complete an application, but a few must be requested specifically before you get the savings. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Discounts for Federal Employees – Having worked for a branch of the government may reduce rates when you quote insurance on Aerio coverage with select insurance companies.
  • Discount for Life Insurance – Not all companies offer life insurance, but some may give you better prices if you take out some life insurance too.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in school.
  • Active Military Service – Being deployed with a military unit could qualify you for better rates.
  • Distant Student – Youth drivers living away from home attending college without a vehicle on campus may be insured at a cheaper rate.
  • Claim-Free Discount – Insureds who avoid accidents and claims can earn big discounts in comparison to bad drivers.
  • Multiple Cars – Buying insurance for multiple cars or trucks with the same company could earn a price break for each car.
  • Discount for Swiching Early – Some larger companies give discounts for buying a new policy prior to your current policy expiration. This discount can save up to 10%.

One last thing about discounts, some of the credits will not apply the the whole policy. Most only cut individual premiums such as liability, collision or medical payments. So when the math indicates it’s possible to get free car insurance, company stockholders wouldn’t be very happy. But all discounts should help reduce your premiums.

Large insurance companies and their offered discounts include:

  • GEICO has savings for seat belt use, multi-vehicle, anti-theft, membership and employees, federal employee, good student, and multi-policy.
  • SAFECO offers premium reductions for homeowner, anti-lock brakes, multi-car, teen safe driver, and bundle discounts.
  • State Farm offers discounts for passive restraint, multiple policy, good driver, good student, Steer Clear safe driver discount, safe vehicle, and driver’s education.
  • MetLife may have discounts that include good driver, claim-free, good student, defensive driver, accident-free, and multi-policy.
  • 21st Century may include discounts for 55 and older, good student, homeowners, teen driver, air bags, and driver training.
  • Progressive offers discounts including multi-vehicle, continuous coverage, multi-policy, online quote discount, online signing, homeowner, and good student.

When getting free insurance quotes, it’s a good idea to all companies you are considering how you can save money. All car insurance discounts may not apply to policies in your area.

Cheapest insurance coverage quotes

Most companies give prices for coverage on the web. Getting online quotes is very simple because it’s just a matter of typing in your coverage preferences into the form. When the form is submitted, their quoting system automatically retrieves reports for credit and driving violations and returns a price quote.

Being able to quote online streamlines rate comparisons, but the process of having to visit each company’s website and repetitively enter the same data into a form can be a bit repetitive. Unfortunately, it is important to perform this step in order to find lower prices.

Isn’t there an easier way to compare rates?

The quickest way to lower your insurance coverage bill is to use a quote form to get prices from many companies. It’s a real time-saver, reduces the work, and makes rate comparisons much easier to do. Immediately after submitting the form, your coverage is rated and you can choose any of the price quotes you receive.

If you find a better price it’s easy to complete the application and purchase coverage. It takes just a few minutes to complete and you will know how your current rates stack up.

To find out how much you’re overpaying now, click here to open in new window and input your coverage information. To compare your current rates, we recommend you type in just like they are on your policy. This helps ensure you will be getting rate comparison quotes based on similar coverages.

Suzuki Aerio insurance cost factors

Many different elements are taken into consideration when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, although some other factors are less apparent like your vehicle usage or your vehicle rating.Part of the auto insurance buying process is learning the different types of things that play a part in calculating auto insurance rates. If you know what impacts premium levels, this empowers consumers to make smart changes that can earn you lower auto insurance prices.

The itemized list below are just a few of the factors used by your company to calculate premiums.

  • Never have policy lapses – Driving with no insurance is not a good idea and companies may charge more for letting your coverage lapse. In addition to paying higher premiums, getting caught without coverage could result in a fine, jail time, or a revoked license. You may need to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • High comp and collision deductibles cost less – Your deductibles represent how much money you are willing to pay if a claim is determined to be covered. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of covered claims are collision with another vehicle, fire damage, and damage caused by road hazards. The more expense you are required to pay out-of-pocket, the lower your rates will be on Aerio coverage.
  • Auto insurance rates and age – Older drivers are more cautious drivers, statistically cause fewer accidents , and are generally more financially stable.Beginning drivers are statistically shown to get distracted easily behind the wheel so auto insurance rates are higher.
  • Low mileage costs less – Driving more miles annually the higher your rate. A lot of companies calculate rates determined by how the vehicle is used. Autos not used for work or commuting qualify for better rates than vehicles that have high annual mileage. It’s a good idea to make sure your declarations sheet is showing the correct usage for each vehicle. Incorrect rating for your Aerio may be costing you.

Tailor your insurance coverage to you

When it comes to choosing proper insurance coverage, there is no “best” method to buy coverage. Every situation is different.

For instance, these questions might point out if your situation would benefit from professional advice.

  • Do I need added coverage for expensive stereo equipment?
  • Can I still get insurance after a DUI?
  • Why is insurance for a teen driver so high?
  • Does my policy cover my teen driver if they drive my company car?
  • Is upholstery damage covered by car insurance?
  • Does having multiple vehicles earn me a discount?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered when driving someone else’s vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and may give you better protection.

The auto insurance bait and switch

Consumers get pounded daily by advertisements that claim the cheapest car insurance rates from companies such as Progressive, GEICO, Allstate and State Farm. All the companies make an identical promise that drivers can save some big amount if you get a free insurance quote and switch your coverage to them.

How is it possible that every company can charge you less for car insurance? Just pay attention to how they say it.

Auto insurance companies have specific guidelines for the type of driver they prefer to insure. For example, this type of driver could possibly be married and over the age of 30, has never had a policy lapse, and the vehicle is rated for pleasure use. Any person that fits those parameters will qualify for the lowest car insurance rates and therefore will save when switching.

Potential customers who don’t qualify for these standards will be quoted a higher rate which results in business going elsewhere. The trick is to say “people who switch” but not “all drivers who get quotes” save that much when switching. This is how companies can make those statements.

This illustrates why you should compare free insurance quotes often. You cannot predict with any certainty which company will have the best premium rates at this point in time.

Car insurance policy coverages for a Suzuki Aerio

Having a good grasp of a car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be confusing and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your Suzuki Aerio.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like X-ray expenses, EMT expenses and prosthetic devices. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Collision protection

Collision coverage will pay to fix damage to your Aerio resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a mailbox, colliding with another moving vehicle, rolling your car and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverages

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, a broken windshield, hitting a deer and rock chips in glass. The maximum payout your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability auto insurance

Liability coverage protects you from damages or injuries you inflict on other people or property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like medical services, repair costs for stationary objects, funeral expenses, bail bonds and court costs. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Never pay more for less

Drivers change insurance companies for a number of reasons such as poor customer service, delays in paying claims, questionable increases in premium or denial of a claim. Regardless of your reason for switching companies, switching insurance companies can be pretty painless.

We covered many tips how you can save on 2004 Suzuki Aerio insurance. The key thing to remember is the more times you quote, the better chance you’ll have of finding low cost insurance. Consumers may even find the most savings is with a lesser-known regional company.

There are still a few companies who may not have price quotes online and these smaller providers only sell through independent agents. Cheaper 2004 Suzuki Aerio insurance is possible from both online companies as well as from insurance agents, so you need to compare both to have the best chance of lowering rates.

Additional insurance information is located below:

Comments About 2004 Suzuki Aerio Insurance

  1. Cary Berry

    I live on the east side of West Valley City, UT. Quoted rates from Allstate, Esurance, and Hartford for my Suzuki and I think I saved about $20 each month. I think they have home insurance too. I don’t put full coverage on it.

  2. Dierdre Hendrix

    I got quite a few price quotes for a 2004 Suzuki Aerio in Davenport, IA. Ended up at about $110 every six months with AIG Insurance. Was with GMAC. I get lower rates because of my clean driving record. Bought it from an online quote.

  3. Sang Workman

    It’s all a rip off. I live north of Norman, Oklahoma. Compared quite a few companies. Saved right around $20 a month. State Farm was the cheapest for me. Was with Hanover. Thankfully I’m not a high risk driver. Might find lower rates online. Just liability coverage since it’s getting old.

  4. Curtis Callahan

    Enjoyed the article. I live on the west side of Bellevue, NE. Got quotes from AIG Insurance, Sentry, and Western Auto Insurance for my Suzuki and saved just over $100 a year. Ask about discounts. I don’t insure for physical damage though.

  5. Becky Roth

    From a town just southwest of Henderson, NV. I quoted with Allstate, AIG Insurance, and some I forget for my Suzuki and I think I saved about $20 each month. Not sure if rates are cheaper online or not.

  6. Louis Morris

    If you have a clean record and live near Miami, FL, check out Progressive. You might get cheaper rates. It’s easy to compare rates online now.

  7. Jannet Sherman

    If you have a clean record and live near Paterson, New Jersey, check out State Farm. They seem to be cheaper. Thankfully I’m not a high risk driver.

  8. Kim Padilla

    I was with Hartford last year but switched to 21st Century. Live in North Charleston, SC. Left Encompass to switch. I’m a pretty low risk driver. I used their website to get prices. Liability only on my Suzuki.

  9. Larhonda Gilbert

    I live in a small town just outside of Concord, NH. I got free quotes from Western Auto Insurance, AAA, The General, and Safeco for my 2004 Suzuki Aerio and I’m now saving $14 a month. I get lower rates because of my clean driving record.

  10. Salvatore Larson

    What does medical payments cover?

  11. Esteban Justice

    Any GEICO or Eastwood customers near Denver, CO?

  12. Shelley Mejia

    I got a good deal I think. Live in the southern part of Birmingham, Alabama. Compared quite a few companies. Saved right around $20 a month. Allstate was the best choice for me. I get lower rates because of my clean driving record. Highly recommended. It’s too old for full coverage.

  13. Jeannette Stephens

    Does 21st Century insure teenage drivers?

  14. Holly Lynn

    Mine is so expensive. Live in Aberdeen, SD. I don’t recall every quote but I ended up saving about $30 each month. I get a discount for insuring multiple vehicles.

  15. Colin Cunningham

    From Kansas City, MO. Quoted with Travelers, AIG Insurance, Hanover, and Nationwide for my 2004 Suzuki Aerio and I think I am saving around $30 each month. Still almost need a second mortgage.

  16. Kerri Everett

    Checking in from Charleston, West Virginia and for me State Farm had the lowest quote. Was with Hanover. :) Liability only on my Suzuki.