2005 Suzuki Aerio Car Insurance Rates

Want better auto insurance rates for your Suzuki Aerio? Overpriced Suzuki Aerio insurance can consume your family’s budget and put the squeeze on your family’s finances. Comparing cost estimates can save money and help to cut your insurance bill.

Lots of car insurance companies contend for your insurance dollar, and because of this it can be hard to compare insurers and get the best coverage at the best rate

Buy insurance coverage online

There are several ways you can shop for insurance coverage but some are easier and takes less work. You could spend your day talking to insurance agencies in your area, or you could save time and use the internet to get rates in a matter of minutes.

Most car insurance companies take part in a program where prospective buyers enter their coverage request one time, and every company then returns a price quote based on that information. This prevents consumers from doing quote requests to each individual insurance coverage company.

To fill out one form to compare multiple rates now click here (opens in new window).

The one downside to using this type of form is you cannot specify which providers to get quotes from. So if you prefer to choose from a list of companies to request quotes from, we have a listing of the cheapest insurance coverage companies in your area. View list of insurance companies.

The method you choose is up to you, but try to use nearly identical coverage limits on every quote you get. If you have different data you can’t possibly determine which rate is truly the best. Slightly different insurance coverages or limits can make a big difference in price. And when comparison shopping, obtaining a wide range of quotes helps locate a lower rate than you’re paying now. Not every company provides price estimates online, so it’s important to also get price quotes from them, too.

Can you really save if you switch?

Companies like Progressive, Geico, Allstate and State Farm consistently run ads in print and on television. All the ads try to convey promises that drivers will save a bundle if you change your policy. How is it possible that every company can charge lower premium rates? It’s all in the wording.

Insurance companies require specific criteria for the type of insured that will generate a profit. For example, a profitable customer might be over the age of 35, has a clean driving record, and has a short commute. Any person who matches that profile will qualify for the lowest premium rates and will probably pay quite a bit less when switching companies.

Potential insureds who fall short of this stringent profile will be quoted higher prices which translates to the prospect going elsewhere. The ads state “drivers who switch” but not “everyone who gets a quote” will save that much if they switch. That is how insurance companies can confidently make those statements.

Because each company has a different risk profile, you really should compare price quotes frequently. You cannot predict which insurance coverage company will have the best rates.

Learn how to find insurance coverage for less

One of the most helpful ways to save on insurance coverage is to to have a grasp of a few of the rating criteria that are used to determine your insurance coverage rates. When you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that could result in lower premium levels.

The items below are just a few of the factors companies use to determine prices.

  • Are females or males drivers cheaper? – Over time, data shows that females take fewer risks when driving. That doesn’t necessarily mean that females are better at driving than males. Males and females cause accidents at about the same rate, but the male of the species tend to have higher claims. Men also get ticketed for serious violations like reckless driving and DUI. Young men ages 16 to 20 have the highest risk to insure so they pay the highest premiums.
  • Avoid unnecessary add-on coverages – There are a ton of add-on coverages that may not really be needed when buying insurance coverage. Coverage for things like coverage for rental cars, accident forgiveness, and term life insurance are probably not needed. They may seem like a good idea initially, but if you don’t need them remove them and pocket the money.
  • Drive a safer car and pay less – Cars with five star safety ratings get lower rates. Vehicles built for safety reduce injuries and better occupant protection means your insurance company pays less which can result in lower premiums.
  • Insurance is expensive for teen drivers – Young drivers are statistically shown to be easily distracted when behind the wheel so insurance coverage rates are higher. Having to add a beginning driver onto a policy can increase premiums substantially. Older people are more responsible, statistically cause fewer accidents and receive fewer citations.

More discounts mean lower-cost premiums

Car insurance companies do not advertise every disount available very clearly, so we break down a few of the more common and the harder-to-find discounts that you may qualify for.

  • Military Rewards – Being on active deployment in the military could qualify you for better rates.
  • Discount for Low Mileage – Driving less may allow you to get discounted premium rates on garaged vehicles.
  • Multiple Cars – Having primary and secondary vehicles with the same company can get a discount on all vehicles.
  • Employee of Federal Government – Having worked for a branch of the government could provide a small rate reduction for Aerio coverage depending on your company.
  • Discounts for Safe Drivers – Drivers without accidents can save up to 40% or more on their car insurance quote for Aerio coverage than drivers with accident claims.
  • E-sign – Some insurance companies will give you a small discount for completing your application on the web.
  • Theft Prevention Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and that can save you a little bit as well.

As a sidenote, some credits don’t apply to the overall cost of the policy. A few only apply to individual premiums such as collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, nobody gets a free ride.

Large car insurance companies and a summarized list of policyholder discounts are included below.

  • Geico offers discounts for federal employee, defensive driver, daytime running lights, seat belt use, and military active duty.
  • MetLife may offer discounts for accident-free, defensive driver, good driver, multi-policy, good student, claim-free
  • State Farm may have discounts that include safe vehicle, multiple autos, driver’s education, student away at school, and multiple policy.
  • Progressive discounts include online signing, good student, online quote discount, multi-policy, continuous coverage, and multi-vehicle.
  • Mercury Insurance has discounts for type of vehicle, anti-theft, age of vehicle, multi-car, and low natural disaster claims.
  • 21st Century has savings for driver training, anti-lock brakes, 55 and older, homeowners, defensive driver, early bird, and student driver.
  • Allstate offers discounts including teenSMART discount, premier discount, resident student, defensive driver, and multi-policy.

Before buying, ask all the companies which discounts they offer. Some discounts might not be offered in your area. For a list of insurers that have a full spectrum of discounts, click here to view.

It’s not one size fits all

When choosing adequate coverage for your vehicles, there is no cookie cutter policy. Everyone’s needs are different so this has to be addressed. These are some specific questions can help discover whether you might need professional guidance.

  • Do I need special endorsements for business use of my vehicle?
  • Is a blown tire covered by insurance?
  • What are the financial responsibility laws in my state?
  • Does car insurance cover theft of personal property?
  • When can I cancel my policy?
  • Am I covered if I wreck a rental car?
  • What discounts do I qualify for?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Specific coverage details

Understanding the coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types available from auto insurance companies.

Collision protection

Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like sideswiping another vehicle, crashing into a ditch and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as hospital visits, dental work, rehabilitation expenses, funeral costs and pain medications. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a bird, hitting a deer, hail damage, falling objects and damage from getting keyed. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverages

This protects you from injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use 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 things such as attorney fees, medical services and loss of income. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

UM/UIM Coverage

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Suzuki Aerio.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently these coverages are identical to your policy’s liability coverage.

The best insurance company isn’t always the cheapest

Budget-friendly auto insurance can be sourced on the web as well as from insurance agents, so you need to quote car insurance with both to have the best selection. Some companies do not provide rates over the internet and usually these small insurance companies prefer to sell through local independent agents.

While you’re price shopping online, you should never reduce needed coverages to save money. There have been many situations where consumers will sacrifice collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase a proper amount of coverage at the best possible price, not the least amount of coverage.

For more information, take a look at these articles: