How Much Does 2002 Suzuki Aerio Insurance Cost?

Trying to find cheaper insurance for a Suzuki Aerio can turn out to be a lot of work, but you can use these tips to find lower rates. There is a better way to shop for insurance coverage and you need to know the absolute fastest way to quote coverages for a Suzuki and get the cheapest rates from local insurance agents and online providers.

Finding the best rates is not rocket science. If you have a policy now or need new coverage, you can use these tips to find the best rates and still get good coverage. Vehicle owners only need an understanding of the tricks to get comparison rates on the web.

How to buy insurance coverage online

Finding a lower price on 2002 Suzuki Aerio insurance is actually quite simple. You just have to invest a little time comparing rate quotes provided by online insurance companies. This can easily be done in several different ways.

One of the simplest ways to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This method eliminates the need for multiple quote forms for every prospective company. One form will return price quotes from many national carriers. This is by far the quickest method.

A slightly less efficient method to get comparison quotes consists of going to each company website to request a price quote. For sake of this example, we’ll assume you want to compare Auto-Owners, State Farm and American Family. You would have to navigate to each company’s site to enter your coverage information, which explains why we recommend starting with the first method.

To view a list of companies in your area, click here.

The least efficient way to find lower rates is to spend time driving to each insurance agency near you. Buying insurance online can eliminate the need for a local agent unless your situation requires the professional advice that you can only get from talking to an agent. Although you can obtain prices from the web and have a local agent actually service the policy.

How you compare quotes is your choice, just make darn sure you compare equivalent coverages and limits on every quote. If each company quotes unequal deductibles or liability limits it will be very difficult to determine which company has the best rates.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining whether or not you would benefit from professional advice.

  • Do I need motorclub coverage?
  • Does liability extend to a camper or trailer?
  • Are split liability limits better than a combined single limit?
  • Should I buy only the required minimum liability coverage?
  • Is my ex-spouse still covered by my policy?
  • What happens if I owe more than my 2002 Suzuki Aerio is worth?
  • What is no-fault insurance?
  • Am I covered when driving in Canada or Mexico?
  • Do I pay less for low miles?
  • At what point should I drop full coverage?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.

The coverage is in the details

Knowing the specifics of your policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Liability car insurance

Liability insurance protects you from damage that occurs to other’s property or people that is your fault. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for things like attorney fees, legal defense fees, court costs, loss of income and emergency aid. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your Suzuki Aerio.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision protection

Collision coverage pays for damage to your Aerio from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like crashing into a ditch, damaging your car on a curb, sideswiping another vehicle, driving through your garage door and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like prosthetic devices, hospital visits, EMT expenses, dental work and X-ray expenses. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive auto coverage

This covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, a tree branch falling on your vehicle and a broken windshield. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.