2007 Suzuki Reno Insurance Cost

Searching for better auto insurance rates for your Suzuki Reno? Scraping up a payment for overpriced Suzuki Reno insurance can bleed your family’s budget and force you to make sacrifices. Insurance companies such as GEICO, Progressive and Allstate continually hit you with advertising and consumers find it hard to see past the geckos and flying pigs and find the best price available.

If you have a current auto insurance policy or are shopping for new coverage, you can use this information to get lower rates and still get good coverage. Finding the best rates is not rocket science. Drivers only need an understanding of how to shop for auto insurance over the internet.

Don’t miss with these discounts

The price of auto insurance can be rather high, but you may be missing some discounts that you may not know about. A few discounts will be applied at the time of purchase, but once in a while a discount must be asked about prior to getting the savings.

  • ABS and Traction Control Discounts – Cars equipped with ABS or steering control can stop better under adverse conditions and will save you 10% or more.
  • Service Members Pay Less – Being deployed with a military unit could mean lower prices.
  • Telematics Data Discounts – Drivers who agree to allow driving data submission to look at driving habits by using a telematics device like Allstate’s Drivewise might see lower rates as long as the data is positive.
  • Auto/Life Discount – If the company offers life insurance, you could get a discount if you purchase life insurance.
  • Discount for Low Mileage – Keeping the miles down on your Suzuki could qualify for substantially lower premium rates.
  • Discounts for Safe Drivers – Drivers without accidents may save up to 50% more on Reno coverage as compared to drivers with claims.
  • Defensive Driving Course – Passing a class that teaches driver safety techniques could cut 5% off your bill and easily pay for the cost of the class.
  • Discounts for Government Workers – Simply working for the federal government may qualify for a discount when you quote insurance coverage on Reno coverage with certain companies.
  • Accident Waiver – Not a discount per se, but some insurance companies will turn a blind eye to one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
  • No Accidents – Insureds who avoid accidents and claims can save substantially in comparison to bad drivers.

You should keep in mind that many deductions do not apply to the entire cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, insurance companies wouldn’t stay in business.

Some of the larger companies that have these benefits are:

If you need lower rates, check with all the companies to apply every possible discount. Some credits may not be offered everywhere. If you would like to see a list of insurers that offer multiple discounts, click here.

Your situation helps dictate your coverage

When buying adequate coverage, there really is no “best” method to buy coverage. Each situation is unique so your insurance should reflect that Here are some questions about coverages that might point out if your insurance needs may require specific advice.

  • Which companies will insure high-risk drivers?
  • Am I getting all the discounts available?
  • Does my 2007 Suzuki Reno need full coverage?
  • How can I get high-risk coverage after a DUI?
  • What are the financial responsibility laws in my state?
  • How do I insure my teen driver?
  • Can I still get insurance after a DUI?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Insurance buyers beware

Consumers can’t get away from all the ads for cheaper insurance by companies like State Farm, Allstate and GEICO. All the ads convey the message that drivers can save some big amount if you get a free insurance coverage quote and switch your policy.

How does every insurance company offer drivers better rates?

Insurance companies have an ideal profile for the type of driver that makes them money. For example, a desirable risk might be married and over the age of 30, has a clean driving record, and drives less than 7,500 miles a year. A propective insured that fits those parameters may get the lowest premium rates and therefore will cut their rates substantially.

Insureds who don’t measure up to the requirements will get higher premium rates with the end result being the customer not purchasing. The trick is to say “drivers that switch” but not “everyone who gets a quote” save money. That’s why companies can truthfully claim big savings. Because of these techniques, you really should get price quotes at each policy renewal. It is impossible to guess the company that will have the best rates for your profile.

Insurance policy specifics

Knowing the specifics of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are typical coverage types found on the average insurance policy.

Collision protection

This covers damage to your Reno caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sustaining damage from a pot hole, hitting a mailbox, scraping a guard rail and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Suzuki Reno.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Comprehensive insurance

This pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like vandalism, hitting a deer and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability

Liability coverage protects you from injuries or damage you cause to people or other property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as funeral expenses, legal defense fees, court costs and loss of income. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for expenses such as dental work, surgery and doctor visits. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Never pay more for less

More affordable insurance coverage can be bought from both online companies and also from your neighborhood agents, so you need to quote insurance coverage with both to have the best selection. Some insurance coverage companies may not provide the ability to get a quote online and usually these regional carriers only sell coverage through independent insurance agents.

As you quote insurance coverage, it’s a bad idea to buy less coverage just to save a little money. There are too many instances where consumers will sacrifice collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The goal is to buy enough coverage at the best cost, but do not skimp to save money.

More tips and info about insurance coverage can be found at these sites:

Comments About 2007 Suzuki Reno Insurance

  1. Billye Tate

    Live in the southern part of Paterson, New Jersey. Compared rates from a lot of places. Saved roughly $30 a month. State Farm was the cheapest option for me. Have an at-fault accident tho.

  2. Gloria Moran

    If you have a good history and live near Gaithersburg, MD, check out Allstate. You might get cheaper rates. I have a teen driver too. Just go online and compare their rates.

  3. Brigette Osborn

    Lots of useful info here. I’m in the west part of Des Moines, IA. Went online for free insurance quotes for a 2007 Suzuki Reno. Ended up at about $340 savings annually. Went with Progressive. Good multi-policy discounts. It’s still not cheap enough.

  4. Mika Ford

    If you have a good history and live around Burlington, VT, check out Progressive. You might save some money. Was with Erie.

  5. Beatrice Hurst

    I’m in Kailua, HI. I got free rates from AIG Insurance, Mercury, and some smaller one I can’t remember the name of for my Suzuki and I’m now saving $43 a month. BTW speeding tickets are not good.

  6. Edith Kane

    I’m in Milwaukee, Wisconsin. Received quotes with 21st Century, The General, and Encompass for my Reno and I’m now saving $64 a month. Bought it from an online quote.

  7. Marilynn Sanford

    I’m in the east part of San Jose, CA. I got free prices from Progressive, Auto-Owners, and Esurance for my Reno and saved $350 a year. It never hurts to quote around.

  8. Emogene Ware

    From a town just southwest of Springfield, Massachusetts. Quoted with 21st Century, Liberty Mutual, and Eastwood for my Suzuki and saved just over $470 a year. I get lower rates because of my clean driving record.

  9. Conception Rivera

    I found pretty cheap rate quotes for a 2007 Suzuki Reno in Fairbanks, AK. Ended up at right around $420 every six months with AIG Insurance. Not sure if rates are cheaper online or through an agent.

  10. Kathi Obrien

    I live in Los Angeles, CA. Quoted with Allstate, Hartford, and Encompass for my Suzuki and I’m now saving $44 a month. Wish I didn’t have to insure at all.

  11. Coy Haley

    Corporate greed I’m telling you. I live in Knoxville, TN. Got car insurance quotes with USAA, Auto-Owners, Liberty Mutual, and Nationwide for my Suzuki and saved just over $100 a year. Switched homeowners coverage too. :)

  12. Wilhemina Hamilton

    IT’S ALL TOO EXPENSIVE! I live just to the north of Cleveland, Ohio. Checked online prices for a 2007 Suzuki Reno. Ended up at about $330 savings annually. Went with Allstate. Have an at-fault accident tho.

  13. Shalonda Kirby

    From south side of Cincinnati, OH. Don’t remember every company but I ended up saving about $40 each month. Left GMAC to switch.

  14. Idalia Wall

    In Idaho Falls, ID compare State Farm with GEICO and see which is best.

  15. Antonia Prince

    Progressive is cheapest in Nebraska! :)

  16. Deshawn Emerson

    Cheaper not always better. Checking in from Salem, OR. I got free quotes from Progressive, Amica, and some I forget for my Reno and saved $279 a year.