2006 Suzuki Forenza Insurance Rates – 10 Policy Discounts

There isn’t a single person who gets a kick out of paying for car insurance, especially when they are aware that the cost is way too high. Since vehicle owners have many online and local companies to choose from, it’s nearly impossible to find the lowest cost car insurance provider.

How much is auto insurance?

Reducing your 2006 Suzuki Forenza insurance rates isn’t really that difficult. Just invest a little time comparing rates to find out which insurance company has the cheapest auto insurance quotes. Insurance prices can be quoted in several different ways.

The recommended way to compare a lot of rates at once is a comparison rater form click to view form in new window. This style of form saves time by eliminating separate quote forms for every auto insurance company. Just one form gets insurance cost estimates instantly.

A harder way to compare rate quotes requires a visit to each company website and repeat the quote process again and again. For examples sake, we’ll assume you want to get rates from Auto-Owners, Safeco and Farmers. To get rate quotes you would need to go to every website and enter your policy data, which explains why we recommend starting with the first method. For a handy list of car insurance company links in your area, click here.

The most difficult way to get price estimates is driving around to local insurance agencies. Shopping for auto insurance online has reduced the need for local agents unless you require the professional assistance that can only be provided by a licensed insurance agent. Some companies do allow you to get prices online but buy from a local insurance agent.

However you get your quotes, be sure you’re using equivalent coverage data with every price quote. If you use different liability limits then you won’t be able to determine which company has the best rates.

Do car insurance companies bend the truth?

Consumers can’t get away from all the ads for cheaper car insurance from companies such as Allstate and Progressive. All the companies advertise the message that drivers can save some big amount if you just switch your coverage to them.

It sounds good, but how can they all make almost identical claims? It’s all in the numbers.

Car insurance companies quote their best rates for a prospective insured that earns them a profit. For instance, this type of driver could be between the ages of 30 and 50, has a clear driving record, and insures a new vehicle. Anyone that hits that “sweet spot” receive the lowest rate quotes and will also cut their rates if they switch.

People who do not match the ideal profile may receive a higher premium which translates to the prospect going elsewhere. The ads state “people that switch” but not “everyone who gets a quote” save that much when switching. This is how companies can advertise the savings.

Different companies use different criteria so drivers must quote coverage with many companies. It’s impossible to know which company will provide you with the cheapest premium rates.

Ten discounts to earn lower-cost insurance rates

Companies offering auto insurance do not list the complete list of policy discounts in a way that’s easy to find, so the next list breaks down some of the more common and also the more inconspicuous credits that you can use to lower your rates.

  • Discounts for Good Drivers – Insureds without accidents can get discounts for up to 45% lower rates for Forenza coverage compared to accident prone drivers.
  • Anti-lock Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes have fewer accidents and therefore earn up to a 10% discount.
  • Passive Restraints and Air Bags – Factory options such as air bags can receive discounts as much as 30%.
  • Military Deployment Discount – Having a deployed family member can result in better premium rates.
  • Early Payment Discounts – By making one initial payment instead of monthly or quarterly installments you could save up to 5%.
  • Save with More Vehicles Insured – Insuring more than one vehicle with the same insurance company qualifies for this discount.
  • Homeowners Savings – Owning a house may earn you a small savings since home ownership is proof of financial responsibility.
  • Senior Citizens – Drivers that qualify as senior citizens can get reduced rates for Forenza coverage.
  • Discounts for New Vehicles – Buying a new car model can cost up to 25% less because new model year vehicles keep occupants safer.
  • Drivers Education – Teen drivers should take driver’s ed class in high school.

A little disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comp or med pay. Just because you may think adding up those discounts means a free policy, it just doesn’t work that way.

Companies who might offer these benefits include:

Before buying, ask each company what discounts are available to you. Savings might not be offered in your area. If you would like to see a list of insurance companies with the best discounts, click this link.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions can aid in determining whether or not you would benefit from an agent’s advice.

  • Do I need roadside assistance coverage?
  • Should I put collision coverage on all my vehicles?
  • Am I covered if I hit a deer?
  • What can I do if my company denied a claim?
  • Will I lose any money if I cancel my policy before it expires?
  • Is my 2006 Suzuki Forenza covered for flood damage?
  • Should I have combined single limit or split liability limits?
  • Does coverage extend to my business vehicle?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I need more liability coverage?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverages

Knowing the specifics of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages found on the average insurance policy.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverage – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from getting keyed, a tree branch falling on your vehicle, damage from a tornado or hurricane and hitting a bird. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for short-term medical expenses for things like funeral costs, pain medications and chiropractic care. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision – Collision coverage covers damage to your Forenza caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a ditch, sideswiping another vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability car insurance – This will cover injuries or damage you cause to other’s property or people. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like emergency aid, attorney fees, pain and suffering and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Saving money is sweet as honey

You just read some good ideas how to save on 2006 Suzuki Forenza insurance. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the lowest rates are with a lesser-known regional company. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.

When getting auto insurance quotes online, you should never sacrifice coverage to reduce premiums. There are too many instances where someone dropped physical damage coverage to discover at claim time they didn’t have enough coverage. Your focus should be to purchase a proper amount of coverage at the best possible price but still have enough coverage for asset protection.

Additional auto insurance information is available at these links: