How Much Does 2008 Suzuki Forenza Insurance Cost?

Finding more affordable coverage rates for Driverscar insurance could be kind of frustrating for drivers who are beginners to quoting and comparing prices online. When there are so many insurers to choose from, it can quickly become a burden to find the lowest price.

You need to get comparison quotes quite often because car insurance prices trend upward over time. If you had the best rates for Forenza insurance a year ago you may be paying too much now. You can find a lot of misleading information regarding car insurance out there, but I’m going to show you some great ways to stop overpaying for insurance.

Discount car insurance rates

Car insurance companies do not advertise the entire discount list in a way that’s easy to find, so here is a list both the well known as well as the least known discounts that you may qualify for. If you do not double check each discount possible, you are not getting the best rate possible.

  • Defensive Driver Discount – Passing a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Anti-theft Discount – Vehicles equipped with tracking devices and advanced anti-theft systems are stolen less frequently so companies will give you a small discount.
  • Drivers Ed for Students – Require your teen driver to participate in a local driver’s education class in school.
  • Payment Discounts – By paying your policy upfront instead of making monthly payments you may have a lower total premium amount.
  • Government Employees – Active or former government employment may reduce rates when you quote insurance for Forenza insurance with select insurance companies.
  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts may get savings of 20% or more.
  • Student in College – Any of your kids who are enrolled in higher education away from home and leave their car at home may be insured at a cheaper rate.
  • Paperless Signup – A few larger online companies will give a small break for completing your application online.
  • Good Student Discount – Maintaining excellent grades can save 20 to 25%. You can use this discount normally up to age 25.

Discounts lower rates, but many deductions do not apply to the entire cost. Most only cut specific coverage prices like comp or med pay. Just because it seems like having all the discounts means you get insurance for free, you aren’t that lucky.

Large car insurance companies and some of the premium reductions they offer include:

  • American Family has discounts for air bags, Steer into Savings, defensive driver, TimeAway discount, accident-free, good driver, and early bird.
  • State Farm policyholders can earn discounts including safe vehicle, good driver, anti-theft, accident-free, defensive driving training, and multiple autos.
  • 21st Century may have discounts that include theft prevention, anti-lock brakes, driver training, early bird, defensive driver, and 55 and older.
  • Travelers includes discounts for continuous insurance, hybrid/electric vehicle, save driver, multi-car, student away at school, and driver training.
  • GEICO has savings for daytime running lights, seat belt use, multi-vehicle, military active duty, anti-theft, driver training, and federal employee.

Before purchasing a policy, check with each insurance company which discounts can lower your rates. Some of the earlier mentioned discounts might not be offered in your state.

Compare quotes for auto insurance

Many insurance companies like State Farm, Allstate and GEICO provide prices for coverage on their websites. Doing online price comparisons is very simple as all you need to do is type in your coverage information on the page. Once entered, their rating system will order credit information and your driving record and gives you a price quote based on the information you submitted.

This makes it simple to compare prices but having to visit multiple sites and type in the same data is monotonous and tiresome. But it’s absolutely necessary to have as many quotes as possible if you want to find the lowest auto insurance rates.

The easiest way to lower your rates is to use a quote form that obtains quotes from several companies at one time. The form is fast, reduces the work, and makes online shopping a lot less work. As soon as you send your information, it gets priced and you can choose any one of the resulting price quotes.

If you find a better price you can simply submit the application and purchase coverage. The whole process can be completed in a matter of minutes and may result in a nice savings.

In order to use this form to compare rates, simply click here to open in new window and submit the form. If you currently have coverage, we recommend you enter your coverages identical to your current policy. Doing this assures you’re receiving a rate comparison using the same coverage and limits.

Tailor your auto insurance coverage to you

When choosing adequate coverage for your personal vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions could help you determine if you will benefit from professional help.

  • Does medical payments coverage apply to all occupants?
  • When should I remove comp and collision on my 2008 Suzuki Forenza?
  • What can I do if my company denied a claim?
  • What is an SR-22 filing?
  • Am I covered if I hit my neighbor’s mailbox?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I pay less for low miles?
  • What is PIP insurance?
  • Does my car insurance cover rental cars?
  • What is the difference between comprehensive and collision coverage?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance coverage considerations

Learning about specific coverages of a auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement.

Collision coverages – This coverage covers damage to your Forenza resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with a tree, crashing into a building, rolling your car, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Suzuki Forenza.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for expenses like dental work, nursing services, doctor visits, rehabilitation expenses and ambulance fees. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive coverage – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a bird, a broken windshield, damage from getting keyed and hail damage. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for liability – Liability insurance provides protection from damage that occurs to people or other property that is your fault. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as structural damage, legal defense fees and emergency aid. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Don’t break the bank

Drivers who switch companies do it for many reasons like delays in paying claims, high rates after DUI convictions, being labeled a high risk driver and even an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding a great new company can be easy and end up saving you some money.

We covered a lot of tips how to lower your 2008 Suzuki Forenza insurance prices. The key thing to remember is the more you quote insurance, the higher the chance of saving money. Consumers could even find that the lowest prices come from a smaller regional carrier.

As you restructure your insurance plan, it’s not a good idea to buy poor coverage just to save money. There have been many cases where drivers have reduced full coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy the best coverage you can find at an affordable rate.

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Comments About 2008 Suzuki Forenza Insurance

  1. Genny Ortega

    From northwest of Rochester, Minnesota and for me Progressive had the lowest quote. Hopefully won’t need it. Just go online and compare their rates.

  2. Devorah Drake

    I got decent rates for a 2008 Suzuki Forenza in Fairbanks, Alaska. Ended up at roughly $520 every six months with American Family. Left GMAC to switch. Have a couple speeding tickets too.

  3. America Best

    In Rutland, Vermont try State Farm or Progressive. Both had decent prices.

  4. Coleen Hayes

    Thanks for putting this site together. I’m from Portland, OR. Got car insurance quotes from GEICO, Auto-Owners, and Farmers for my Forenza and saved $259 a year. God forbid I actually have a claim.

  5. Dagmar Koch

    This is too expensive. I’m in the north part of Detroit, MI. Quoted prices online for a 2008 Suzuki Forenza. Ended up at about $250 savings annually. Went with Allstate. Left State Farm to switch. Moved home policy as well. Online quotes are the way to go.

  6. Ryan Sanchez

    I went with Allstate at renewal. Best rates in Virginia Beach, VA. Ask about discounts. It’s still not cheap enough.

  7. Monserrate Jones

    Corporate greed I’m telling you. Live in Charleston, SC. I quoted with Progressive, AAA, and Encompass for my Forenza and saved $403 a year. Insured with Eastwood before. I think they have home insurance too. It’s easy to compare rates online now.

  8. Kam Walters

    I can’t pay high rates. I’m just east of Manchester, NH. I don’t recall every quote but I ended up saving about $30 each month. Insured with Nationwide before.

  9. Detra Welch

    Here’s what I found out. I’m just east of Nampa, Idaho. I quoted with AAA, Safeco, and USAA for my Forenza and I think I cut my rates about $60 each month. I increased coverages a little too. :P

  10. Wm Snow

    Proud to be from Sioux Falls, SD. Can’t remember who all I quoted but I ended up saving about $40 each month. Insured with Nationwide before. Might find lower rates online.

  11. George Flores

    I’m looking for cheaper coverage. Quoted with American Family for my 2008 Suzuki Forenza and cut my rates about $360 a year. They have a lot of discounts available. Get lots of quotes to find the best rate.

  12. Shelli Whitney

    If you have a good history and live around Henderson, Nevada, check out 21st Century. They seem to be cheaper. Insured with Hanover before. I have kids on my policy, too. It was easy to get rates.

  13. Damian Patrick

    Does Minnesota have minimum liability laws?