Lower Your 2010 Suzuki Kizashi Insurance Rates

Feel like you have overpriced car insurance? You’re in good company because there are many consumers feeling the pinch from expensive car insurance. Insurance companies such as Progressive, State Farm and Geico all claim big savings, bombarding you with fancy advertisements and consumers find it hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

You should make it a habit to price shop coverage occasionally because car insurance prices are usually higher with each renewal. If you had the best rate on Kizashi coverage a year ago other companies may now be cheaper. Ignore everything you know about car insurance because you’re going to learn the right way to reduce your cost while increasing coverage.

If you have insurance now or are just looking to switch companies, you can use these techniques to shop for the lowest rates and still get good coverage. Buying car insurance is easy if you know what you’re doing. Vehicle owners just need to understand the tricks to buy insurance coverage online.

The cheapest car insurance

Reducing your 2010 Suzuki Kizashi insurance rates is an easy way to save money. You just need to take the time to compare rate quotes online with multiple companies. It is quite easy and can be accomplished using one of these methods.

The single most time-saving way to get quotes is to use a rate comparison form click to view form in new window. This form prevents you from having to do separate quotes for every company. Completing one form gets coverage cost estimates from multiple low-cost companies.

A different way to shop for car insurance online requires a visit to each company website and complete a new quote form. For sake of this example, let’s assume you want comparison quotes from Nationwide, Liberty Mutual and Travelers. To do that, you would have to navigate to each company’s site to enter the same coverage data repeatedly, which can be really labor intensive. To view a list of companies in your area, click here.

It’s up to you which method you use, but try to keep the same coverages and limits on every quote. If your comparisons have mixed coverages you will not be able to make a fair comparison for your Suzuki Kizashi.

Save a ton by taking advantage of discounts

Insurance coverage can be pricey, but you may qualify for discounts that can dramatically reduce your bill. Certain credits will be shown at the time of quoting, but some may not be applied and must be specially asked for prior to receiving the credit.

Good Students Pay Less – Being a good student may save as much as 25% on a insurance coverage quote. The good student discount can last well after school through age 25.
Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up may be able to save a few bucks off the medical payments premium.
Sign Early and Save – Some insurance companies provide a discount for buying a new policy prior to your current policy expiring. You can save around 10% with this discount.
ABS and Traction Control Discounts – Cars and trucks that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
Claim-Free Discount – Good drivers with no accidents pay much less when compared with bad drivers.
Theft Prevention System – Anti-theft and alarm system equipped vehicles are stolen with less frequency and will qualify for a discount on a insurance coverage quote.
Student in College – Kids who live away from home at college without a vehicle on campus can receive lower rates.
New Car Discount – Buying a new car instead of a used car can save up to 30% compared to insuring an older model.
Passenger Safety Discount – Vehicles with factory air bags may earn rate discounts of up to 25% or more.

It’s important to understand that most credits do not apply to your bottom line cost. A few only apply to specific coverage prices like comprehensive or collision. So when the math indicates you can get free auto insurance, nobody gets a free ride. Any amount of discount will definitely lower your policy premium.

To find companies with discount rates, follow this link.

How much car insurance do I need?

When it comes to buying adequate coverage for your personal vehicles, there is no one size fits all plan. Everyone’s needs are different so this has to be addressed. For example, these questions could help you determine whether you might need an agent’s assistance.

When does my teenage driver need to be added to my policy?
What exactly is covered by my policy?
Am I covered when pulling a rental trailer?
Are there companies who specialize in insuring high-risk drivers?
Will my insurance pay for OEM parts?
Can I rent a car in Mexico?
Am I covered if hit by an uninsured driver?

If you don’t know the answers to these questions then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It is quick, free and can provide invaluable advice.

Auto insurance coverage options for a Suzuki Kizashi

Learning about specific coverages of auto insurance aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverage types found on most auto insurance policies.

Auto liability

Liability insurance can cover injuries or damage you cause to other people or property that is your fault. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

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. Your policy might show values of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things like court costs, emergency aid and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Medical costs insurance

Med pay and PIP coverage provide coverage for short-term medical expenses for EMT expenses, dental work, pain medications, rehabilitation expenses and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverage

Collision coverage pays for damage to your Kizashi resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like backing into a parked car, crashing into a building, driving through your garage door, rolling your car and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as vandalism, hitting a bird, hitting a deer, falling objects and rock chips in glass. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Suzuki Kizashi.

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. Usually these coverages are similar to your liability insurance amounts.