View 2007 Suzuki Forenza Insurance Quotes

Want lower insurance coverage rates for your Suzuki Forenza? Think you have an overpriced insurance coverage policy? Don’t sweat it because there are many drivers thinking the same thing. Numerous insurance companies battle for your hard-earned dollar, and it can be difficult to compare rates and get the definite lowest rate possible.

If you have a current auto insurance policy or are shopping for new coverage, you can use these tips to find better prices while maintaining coverages. Buying car insurance is easy if you know what you’re doing. Drivers only need an understanding of how to shop for auto insurance over the internet.

Compare car insurance rates

Shopping for lower car insurance rates can take time and effort if you don’t utilize the easiest way. You can waste a few hours (or days) talking to agents in your area, or you could save time and use the internet to get rates in a matter of minutes.

All the larger companies participate in a marketplace where prospective buyers complete one form, and every company returns a rated price based on that information. This saves time by eliminating repetitive form submissions to each individual car insurance company.

To find out what other companies charge click here (opens in new window).

The one disadvantage to doing it this way is that you can’t choose which insurance companies to receive prices from. So if you prefer to choose specific providers to receive pricing from, we have a listing of low cost car insurance companies in your area. Click here to view list.

Compare rates however you want, just make sure you are using the same quote information with every price quote. If you are comparing mixed coverages you will not be able to make a fair rate comparison.

Six things that determine your insurance costs

An important part of buying insurance is that you know the factors that are used to determine your premiums. If you have a feel for what determines premiums, this enables informed choices that could result in cheaper rates. Many factors are used in the calculation when quoting car insurance. Some of the criteria are obvious like an MVR report, although others are less apparent such as your credit history or how financially stable you are.

• How do annual miles impact rates? – The more miles you rack up on your Suzuki annually the more you will pay for auto insurance. A lot of companies apply a rate based on how the vehicle is used. Cars that do not get driven very much cost less to insure compared to those used for work or business. Having an incorrect usage rating on your Forenza can cost quite a bit. Make sure your auto insurance coverage states how each vehicle is driven.
• Women pay lower rates – The statistics show that men are more aggressive behind the wheel. However, don’t assume that men are worse drivers. Males and females get in auto accidents in similar percentages, but guys tend to have more serious accidents. They also get ticketed for serious violations like DUI and reckless driving.
• Better auto insurance rates for continuous coverage – Letting your insurance expire is a fast way to increase your auto insurance rates. And not only will insurance be more expensive, being ticketed for driving with no insurance can result in a hefty fine and possibly a revoked license.
• Alarm systems save money – Driving a car with advanced anti-theft systems can help bring down rates. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft and help bring rates down.
• Rates and your address – Being located in smaller towns and rural areas of the country has definite advantages when trying to find low car insurance rates. Fewer drivers means fewer accidents and a lower car theft rate. Drivers in populated areas have traffic congestion and more time behind the wheel. More time behind the wheel means higher likelihood of an accident.
• Credit score impacts rates – Having a bad credit history is likely to be a major factor in calculating your premium rate. Drivers who have high credit ratings tend to be more responsible as compared to drivers with bad credit. If your credit can be improved, you could pay less to insure your 2007 Suzuki Forenza if you improve your credit rating.

Find discounts to get cheap auto insurance quotes

Some providers don’t always publicize the entire discount list very clearly, so the following is a list of a few of the more well known and the more hidden discounts that may be available.

• Discounts for New Vehicles – Adding a new car to your policy can cost up to 25% less since new model year vehicles are generally safer.
• Telematics Discount – Insureds who allow data collection to look at driving habits by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm might see lower rates if their driving habits are good.
• ABS Braking Discount – Anti-lock brake equipped vehicles can stop better under adverse conditions so you can save 10 percent or more.
• Passive Restraint Discount – Options like air bags or motorized seat belts may get savings as much as 30%.
• Accident-Free Discounts – Insureds who avoid accidents and claims pay less as opposed to drivers who are more careless.
• Lower Rates for Military – Having an actively deployed family member can result in better rates.
• Discounts for Government Workers – Active or former government employment could provide a small rate reduction on Forenza coverage depending on your auto insurance provider.
• Renewal Discounts – A few companies offer discounts for renewing your policy prior to the expiration date on your current policy. You may see this discount when you get auto insurance quotes online.
• Driver Education Discount – Cut your cost by having your teen driver enroll and complete driver’s education as it will make them better drivers and lower rates.
• Use Seat Belts – Buckling up and requiring all passengers to buckle up could cut 10% or more off the PIP or medical payment premium.

A little note about advertised discounts, many deductions do not apply the the whole policy. Most only apply to specific coverage prices like liability and collision coverage. Despite the fact that it seems like you could get a free auto insurance policy, company stockholders wouldn’t be very happy.

A few of the larger companies and a summarized list of policyholder discounts are included below.

• Geico includes discounts for membership and employees, federal employee, air bags, good student, and seat belt use.
• MetLife may include discounts for good driver, claim-free, defensive driver, good student, and multi-policy.
• State Farm policyholders can earn discounts including accident-free, safe vehicle, Steer Clear safe driver discount, good student, multiple autos, passive restraint, and multiple policy.
• Progressive offers discounts for homeowner, multi-policy, multi-vehicle, online quote discount, and good student.
• Mercury Insurance may have discounts that include age of vehicle, multi-car, good student, good driver, multi-policy, professional/association, and ease of repair.
• 21st Century offers premium reductions for theft prevention, driver training, early bird, good student, anti-lock brakes, teen driver, and 55 and older.
• Allstate offers discounts including teenSMART discount, farm vehicle, multi-policy, 55 and retired, senior citizen, and anti-lock brakes.

When comparing rates, check with every prospective company how many discounts you can get. All car insurance discounts may not be offered in your state. If you would like to see a list of providers with discount auto insurance rates, click here.

Tailor your car insurance coverage to you

When buying adequate coverage for your vehicles, there is no best way to insure your cars. Everyone’s needs are different so this has to be addressed. These are some specific questions might point out if you would benefit from an agent’s advice.

• Is my custom paint covered by insurance?
• How much underlying liability do I need for an umbrella policy?
• How high should my uninsured/underinsured coverage be in my state?
• Am I covered if my car is in a flood?
• Am I covered if I hit my neighbor’s mailbox?
• Does coverage extend to Mexico or Canada?
• Do I have coverage if my license is suspended?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Coverage specifics

Learning about specific coverages of a car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Car insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by car insurance companies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hail damage, damage from flooding, falling objects and theft. The highest amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding 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 pays for claims like hitting a parking meter, damaging your car on a curb and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses like ambulance fees, chiropractic care, surgery, doctor visits and nursing services. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability insurance

This provides protection from injuries or damage you cause to other people or property that is your fault. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against things like emergency aid, pain and suffering, court costs and repair bills for other people’s vehicles. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

In the end, you save

Cheaper car insurance can be purchased from both online companies in addition to many insurance agents, so you need to shop auto insurance with both so you have a total pricing picture. Some insurance companies may not have the ability to get a quote online and usually these smaller companies sell through local independent agencies.

When searching for affordable auto insurance quotes, it’s a bad idea to buy lower coverage limits just to save a few bucks. Too many times, an insured cut physical damage coverage and discovered at claim time that they should have had better coverage. Your goal is to get the best coverage possible for the lowest cost while still protecting your assets.

You just learned many tips how you can compare 2007 Suzuki Forenza insurance prices online. The most important thing to understand is the more providers you compare, the better likelihood of getting the cheapest auto insurance. Drivers may discover the lowest priced car insurance comes from a smaller regional carrier. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and Geico.

Other resources

• Coverage Information (Progressive Insurance)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)
• Driving in Bad Weather (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)