2011 Suzuki Kizashi Car Insurance Rates – 7 Tips for Cheaper Quotes

Want the cheapest insurance rates? Drivers have many options when trying to find the best price on Suzuki Kizashi insurance. You can either spend your time calling around to get rate comparisons or utilize the internet to compare rates. There are both good and bad ways to find insurance online and you need to know the proper way to price shop coverage on a Suzuki and obtain the lowest possible price either online or from local insurance agents.

If you have insurance now or are just looking to switch companies, you can use these techniques to find better prices and still get good coverage. The purpose of this post is to help educate you on the most effective way to quote insurance. Consumers just need to understand the proper way to get comparison quotes on the web.

Car insurance companies offer lots of discounts

Insuring your vehicles can cost a lot, but there could be available discounts to cut the cost considerably. Certain discounts will be applied at the time of purchase, but some may not be applied and must be manually applied prior to getting the savings.

• Driving Data Discount – Drivers that enable companies to study their driving habits by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease as long as they are good drivers.
• Active Military Service – Being on active deployment in the military may lower your premium rates slightly.
• ABS and Traction Control Discounts – Cars with ABS braking systems or traction control can reduce accidents and the ABS can save up to 10%.
• Discounts for Federal Employees – Having worked for a branch of the government could provide a small rate reduction on Kizashi insurance depending on your company.
• Student Driver Training – Teen drivers should successfully complete driver’s ed class if offered at their school.
• Low Mileage – Driving fewer miles could qualify for better premium rates on cars that stay parked.
• Full Payment Discount – By paying your policy upfront instead of paying each month you may have a lower total premium amount.

One thing to note about discounts is that some credits don’t apply to the overall cost of the policy. Some only reduce specific coverage prices like liability and collision coverage. Even though it appears all the discounts add up to a free policy, it’s just not the way it works. But all discounts will positively reduce your policy premium.

If you would like to choose from a list of car insurance companies that offer some of these discounts, follow this link.

Do I just need basic coverages?

When choosing coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions can help discover whether you might need professional guidance.

• How do I buy GAP insurance?
• When should I drop full coverage on my 2011 Suzuki Kizashi?
• Why do I need rental car insurance?
• Does car insurance cover theft of personal property?
• Am I better off with higher deductibles on my 2011 Suzuki Kizashi?
• Can I still get insurance after a DUI?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and may give you better protection.

Buyer beware of car insurance advertising tricks

Consumers can’t escape the ads that claim the lowest auto insurance rates by Geico, State Farm and Progressive. All the ads advertise the message about how much you will save after switching your coverage.

How is it plausible that every one can claim to save you money?

Many companies have a preferred profile for the type of customer they prefer to insure. An example of a desirable risk should be over the age of 50, has a clean driving record, and the vehicle is rated for pleasure use. A customer getting a price quote who matches those parameters is entitled to the best price and as a result will probably cut their rates substantially.

People who may not quite match the requirements may be required to pay more expensive rates which results in the customer buying from someone else. If you listen to the ad wording, they say “people that switch” but not “everyone who gets a quote” save that kind of money. This is how companies can advertise the way they do. Because each company has a different risk profile, it’s extremely important to get insurance quotes as often as possible. You cannot predict which company will have the best prices at this point in time.

Car insurance 101

Knowing the specifics of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Collision coverage protection

Collision insurance pays for damage to your Kizashi resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like crashing into a building, rolling your car and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability coverages

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

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like medical services, pain and suffering and bail bonds. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments coverage and PIP

Med pay and PIP coverage pay for bills like hospital visits, prosthetic devices, rehabilitation expenses and X-ray expenses. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as vandalism, damage from flooding and a broken windshield. The most a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Suzuki Kizashi.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Be a penny pincher

Throughout this article, we presented a lot of techniques to reduce 2011 Suzuki Kizashi insurance premium rates online. It’s most important to understand that the more price quotes you have, the better your chances of lowering your prices. You may even discover the lowest premium rates come from some of the smallest insurance companies.

Drivers leave their current company for many reasons like high rates after DUI convictions, delays in responding to claim requests, not issuing a premium refund or even policy non-renewal. It doesn’t matter what your reason, switching insurance companies is easier than you think.

As you shop your coverage around, do not buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced liability limits or collision coverage and discovered at claim time that the savings was not a smart move. Your objective should be to buy the best coverage you can find at a price you can afford while still protecting your assets.

To learn more, feel free to visit the following helpful articles:

• Teen Driving Statistics (iihs.org)
• Parking Tips to Reduce Door Dings (State Farm)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Event Data Recorders FAQ (iihs.org)
• Teen Driving and Texting (State Farm)
• Steps to Take After an Auto Accident (Insurance Information Insitute)