To save the most money, the best way to find the cheapest price for Suzuki Kizashi insurance is to do a yearly price comparison from different companies in Oakland.
Step 1: Spend a few minutes and learn about what coverages are included in your policy and the measures you can control to prevent expensive coverage. Many policy risk factors that cause high rates such as accidents, careless driving, and a low credit rating can be amended by making lifestyle changes or driving safer. Keep reading for more ideas to get better rates and find additional discounts.
Step 2: Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from one company like Progressive and State Farm, while independent agents can give you price quotes from many different companies.
Step 3: Compare the new rate quotes to your current policy and see if there is a cheaper rate in Oakland. If you find better rates and buy the policy, ensure there is no coverage lapse between policies.
A good tip to remember is to try to compare the same amount of coverage on each quote request and to quote with as many companies as feasibly possible. This enables the most accurate price comparison and a complete rate analysis.
A recent auto insurance study discovered that nearly 70% of drivers have remained with the same auto insurance company for at least four years, and almost half have never shopped around. California insurance shoppers could save up to 35% a year by just comparing quotes, but most just don’t grasp how much money they would save if they replace their high priced policy.
The following companies offer free rate quotes in Oakland, CA. If multiple companies are listed, it’s a good idea that you visit several of them to get a more complete price comparison.
Suzuki Kizashi insurance analysis
The table shown below showcases different insurance costs for Suzuki Kizashi models. Having a good understanding how insurance prices are established can assist in making informed decisions when comparing rate quotes.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Kizashi S AWD||$244||$394||$424||$26||$126||$1,214||$101|
|Kizashi SE AWD||$244||$464||$424||$26||$126||$1,284||$107|
|Kizashi GTS AWD||$244||$464||$424||$26||$126||$1,284||$107|
|Kizashi SLS AWD||$272||$464||$424||$26||$126||$1,312||$109|
|Get Your Own Custom Quote Go|
Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Rate information does not factor in garaging location in Oakland which can affect coverage rates greatly.
Irresponsible driving raises your rates
The chart below shows how violations and at-fault collisions can influence Suzuki Kizashi auto insurance costs for different insured age categories. The rate quotes are based on a single female driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.
Rate comparison of full coverage and liability-only
The chart below shows the comparison of Suzuki Kizashi premium costs when comparing full coverage to state minimum liability only. The rates are based on no claims, a clean driving record, $1,000 deductibles, marital status is single, and no policy discounts are applied.
When to drop comprehensive and collision coverage
There isn’t a steadfast formula of when to exclude physical damage insurance, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.
For example, let’s pretend your Suzuki Kizashi claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $7,000 after paying the physical damage deductible. If you are paying in excess of $700 a year for your policy with full coverage, then you might consider buying liability only.
There are some cases where eliminating full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should keep full coverage.
How Insurers Calculate Suzuki Kizashi Insurance Costs
The best way to find cheaper auto insurance is to take a look at some of the things that aid in calculating the level of your policy premiums. If you know what impacts premium levels, this allows you to make good choices that may result in cheaper rates.
Shown below are some of the major factors used by insurance companies to determine your prices.
Do you work long hours in a tough employer? – Occupations like real estate brokers, business owners, and stock brokers have higher premiums than the average policyholder in part from high stress levels and lots of time spent at work. Other jobs like actors, historians and retirees pay lower than average rates.
Less chance of injury means lower prices – Vehicles that have high safety ratings are cheaper to insure. Highly rated vehicles protect occupants better and lower rates of occupant injuries means lower claim amounts passed on to you as lower rates. If the Suzuki Kizashi scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.
Liability limits on your policy – A critical coverage on your policy, liability insurance will afford coverage in the event that you are found to be at fault for damages caused by your negligence. It will provide for a legal defense up to the limits shown on your policy. This coverage is relatively inexpensive compared to physical damage coverage, so do not cut corners here.
Costs impacted by your city – Being located in a rural area can save you money when talking about auto insurance. Fewer drivers on the road means less chance of accidents and lower theft and vandalism rates. People in densely populated areas have more aggressive driving styles and more time behind the wheel. More time behind the wheel translates into higher accident risk.
Why you need to buy insurance
Despite the potentially high cost of Suzuki Kizashi insurance, maintaining insurance is a good idea for several reasons.
First, just about all states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability protection if you don’t want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you have a lien on your Kizashi, almost every bank will force you to have comprehensive coverage to guarantee loan repayment. If coverage lapses or is canceled, the lender may insure your Suzuki for a much higher rate and force you to reimburse them a much higher amount than you were paying before.
Third, insurance protects your Suzuki and your assets. Insurance will also pay for most medical and hospital costs for yourself as well as anyone injured by you. Liability coverage will also pay for a defense attorney in the event you are sued. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.
The benefits of having insurance more than offset the price you pay, particularly if you ever have a claim. As of last year, the average driver in California is overpaying over $865 each year so compare rate quotes each time the policy renews to ensure rates are inline.
Oakland auto insurance companies
Finding the right insurer is hard considering how many different companies sell coverage in California. The company information shown next may help you select which car insurance companies to look at comparing price quotes from.
Top 10 Oakland Car Insurance Companies Ranked by Customer Service
- AAA of Southern California
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family