Are you tired of trying to scrape together enough money to buy car insurance? You are in the same boat as millions of other consumers.
Lots of car insurance companies contend for your insurance dollar, so it’s not easy to compare every insurance company and uncover the absolute best rates possible.
Finding Car Insurance Deals
To find the best car insurance prices, there are several ways of comparing rates from car insurance companies in your area. The best way to find competitive Suzuki Kizashi insurance rates is to perform an online rate comparison. This is very easy and can be done in several different ways.
- The most efficient way to get quotes for comparison is a comparison rater form like this one (opens in new window). This type of form eliminates the need for boring form submissions for each company you want a rate for. Filling out one form gets you price quotes from all major companies.
- A slightly less efficient method to get quotes online is to take the time to go to each individual company website and request a quote. For example, we’ll assume you want rates from Allstate, GEICO and American Family. To find out each rate you need to visit each site to enter your coverage information, which is why the first method is quicker. To view a list of companies in your area, click here.
It’s up to you which method you use, but double check that you are using identical coverage information for each comparison quote. If the quotes have different values for each quote it will be next to impossible to determine the best price for your Suzuki Kizashi. Slightly different insurance coverages can mean a large discrepancy in price. And when comparing car insurance rates, know that more quotes gives you a better chance of getting the best rates.
Slick advertising tricks that work
Car insurance companies such as 21st Century, Allstate and State Farm consistently run television and radio advertisements. They all seem to say the same thing of big savings if you change your policy. How can each company say the same thing? This is how they do it.
Insurance companies are able to cherry pick for the type of customer that makes them money. A good example of a profitable customer might be a mature driver, has no prior claims, and drives less than 10,000 miles a year. A driver who matches those parameters will qualify for the lowest rates and as a result will probably save when switching.
Potential customers who don’t meet the “perfect” profile will be quoted higher rates and ends up with business going elsewhere. The ads say “people who switch” not “everybody who quotes” save that much. This is how companies can truthfully make those claims.
This emphasizes why you need to get as many quotes as possible. Because you never know which insurance companies will fit your personal profile best.
Discounts can save BIG
Properly insuring your vehicles can get expensive, but companies offer discounts that can drop the cost substantially. Some trigger automatically at the time of quoting, but some may not be applied and must be inquired about prior to receiving the credit.
- Seat Belt Usage – Drivers who require all occupants to use their safety belts could save 15% on the medical payments or PIP coverage costs.
- Senior Citizens – Older drivers may be able to get better car insurance rates on Kizashi coverage.
- Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. This discount can apply up until you turn 25.
- No Claims – Drivers with accident-free driving histories pay less as compared to accident-prone drivers.
- Defensive Driving Course – Taking part in a course in driver safety can save you 5% or more if your company offers it.
- Drivers Education – Have your child enroll in driver’s education if offered at their school.
- Low Mileage – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
Drivers should understand that most discounts do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, you won’t be that lucky. But any discount will help reduce the cost of coverage.
For a list of insurance companies with the best car insurance discounts, follow this link.
Keep this in mind
When buying insurance coverage, never buy lower coverage limits just to save a few bucks. In many cases, someone dropped comprehensive coverage or liability limits only to regret they didn’t purchase enough coverage. Your focus should be to get the best coverage possible for the lowest price while still protecting your assets.
Budget-conscious Suzuki Kizashi insurance is definitely available from both online companies in addition to many insurance agents, and you need to comparison shop both to have the best selection. There are still a few companies who do not provide online price quotes and many times these smaller companies only sell through independent insurance agents.
