Best Insurance for a Suzuki Kizashi in San Diego

Do you need a fast way to compare cheaper Suzuki Kizashi insurance in San Diego? There isn’t a single person who gets a kick out of paying for auto insurance, especially when they are aware that the price is too high.

A recent auto insurance study revealed that a large majority of auto insurance policyholders have remained with the same auto insurance company for more than four years, and just short of a majority have never compared rates from other carriers. Drivers in California could save $470 a year, but they don’t know the rate savings if they bought a different policy.

With consumers having so many choices of insurance companies that have cheaper insurance for a Suzuki Kizashi in San Diego, it’s difficult to locate a more affordable auto insurance provider.

The purpose of this article is to instruct you on the best way to quote coverages and some tips to save money. If you’re already insured, you will surely be able to find the best rates using these tips. But California consumers do need to know the way insurance companies market insurance on the web and take advantage of how the system works.

To get affordable San Diego auto insurance quotes, there a variety of ways to compare rate quotes from many insurance companies in California. The recommended way to comparison shop is simply to get online rate quotes.

It’s so fast and easy to compare rates online that it replaces the need to physically go to all the different insurance agencies. The ability to get quotes online eliminates this option unless you’re the type of person who wants the professional assistance that you can only get from talking to an agent. Although, it is possible get the lowest quotes online and get advice from an agent in your area.

Keep in mind that more quotes increases the chance that you will find the best rates. Not every company allows you to get price estimates online, so you need to compare prices on coverage from those companies, too.

The auto insurance companies shown below offer price comparisons in California. If more than one company is shown, it’s a good idea that you visit as many as you can to get the most competitive price.

Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Price information does not factor in your specific San Diego location which can modify premiums noticeably.

Comparison of auto insurance rates by age and gender in San Diego

The example below compares Suzuki Kizashi insurance costs for male and female drivers. The premiums assume no claims or driving violations, comp and collision included, $100 deductibles, marital status is single, and no discounts are applied.

Can higher deductibles save money?

One common question asked by San Diego drivers is at what level do you set your deductibles. The following insurance rates may aid in understanding the difference in cost when you choose different coverage deductibles. The first pricing table uses a $250 physical damage deductible and the second rate table uses a $500 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rate quotes do not factor in specific location information which can alter coverage prices greatly.

Using the data above, we can ascertain that using a $250 deductible will cost in the ballpark of $19 more each month or $228 a year than choosing the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 13 months between claims, you would probably come out ahead if you elect the higher deductible.

Best reasons to buy auto insurance in California

Despite the potentially high cost of Suzuki Kizashi insurance, maintaining insurance is most likely required but also gives you several important benefits.

First, most states have mandatory insurance requirements which means the state requires a specific level of liability insurance coverage in order to license the vehicle. 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 bought your Kizashi with a loan, more than likely the lender will have a requirement that you have comprehensive coverage to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the lender will be forced to insure your Suzuki at a more expensive rate and force you to pay the higher price.

Third, auto insurance preserves both your Suzuki Kizashi and your assets. It will also cover medical expenses for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense in the event you are sued. If you have damage to your Suzuki as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.

The benefits of buying auto insurance greatly outweigh the cost, specifically if you ever have a liability claim. The average driver in America is currently overpaying as much as $865 each year so you should quote your policy with other companies at every renewal to ensure rates are inline.

San Diego Insurance Prices are Influenced by These Factors

Smart consumers have a good feel for some of the elements that come into play when calculating your premiums. If you have a feel for what impacts premium levels, this allows you to make good choices that will entitle you to lower insurance prices.

• Add-on coverages can cost a lot – There are a lot of extra coverages that can add up if you aren’t diligent. Coverages for coverage for rental cars, towing, and term life insurance may be wasting your money. They may seem like a good idea at first, but if you have no use for them remove them and pocket the money.
• Teenage drivers cost more – Beginning drivers in California tend to be inattentive and easily distracted when behind the wheel so they pay higher insurance rates. More experienced drivers have been proven to be more responsible, cause fewer claims and accidents, and receive fewer citations.
• Do thieves like your car? – Owning a car with a theft deterrent system can save you a little every year. Anti-theft devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping your vehicle from being stolen.
• Costs also based on gender – Over the last 30 years, statistics show that females take fewer risks when driving. Now that doesn’t mean men are WORSE drivers than women. Females and males have accidents in similar numbers, but the male of the species have costlier accidents. They also get more serious tickets like DUI and reckless driving.
• A coverage lapse can increase insurance rates – Having an insurance coverage lapse is a fast way to increase your insurance rates. And not only will insurance be more expensive, getting caught without coverage can result in a steep fine or even jail time.
• Rural areas have lower prices – Living in smaller towns and rural areas of the country can be a good thing if you are looking for the lowest rates. Drivers in populated areas regularly have more road rage incidents and higher rates of accident claims. Fewer people means fewer accidents and lower theft and vandalism rates.
• Getting married brings a discount – Your spouse may earn you lower rates on your insurance policy. Having a spouse demonstrates that you tend to be more mature and statistics prove married drivers tend to file fewer claims.
• Avoid traffic tickets – Just one ticket may increase your cost twenty percent or more. Careful drivers have lower premiums than bad drivers. Drivers who have gotten dangerous tickets like hit and run, DWI or reckless driving convictions might be required by their state to prove financial responsibility with their state’s department of motor vehicles in order to continue driving.

Get cheap Suzuki Kizashi insurance in San Diego with discounts

Insuring your vehicles can cost a lot, but you can get discounts that you may not know about. Certain credits will be shown at the time of quoting, but some may not be applied and must be asked for before being credited. If you do not double check each discount available, you could be getting lower rates.

• Accident Waiver – This one isn’t a discount, but some companies like State Farm and Progressive may permit one accident before your rates go up as long as you don’t have any claims for a certain period of time.
• ABS and Traction Control Discounts – Cars and trucks with ABS braking systems or traction control can avoid accidents so you can save 10 percent or more.
• Seat Belts Save – Using a seat belt and requiring all passengers to fasten their seat belts can save up to 15% on the medical payments or PIP coverage costs.
• Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are less likely to be stolen so companies will give you a small discount.
• Multiple Cars – Having several vehicles on one policy may reduce the rate for each vehicle.
• Professional Memberships – Having an affiliation with a civic or occupational organization in San Diego is a simple method to lower premiums on your policy.
• Accident Free – Claim-free drivers get the best car insurance rates when compared to bad drivers.
• Data Collection Discounts – Policyholders that allow data collection to spy on where and when they drive by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive may see discounts as long as they are good drivers.
• Driver Training Discounts – Successfully completing a driver safety course could save 5% or more if you qualify.

While discounts sound great, it’s important to understand that most credits do not apply to the entire policy premium. Most only reduce individual premiums such as medical payments or collision. Just because it seems like you can get free auto insurance, that’s just not realistic.

To choose providers that can offer you the previously mentioned discounts in California, click here.

Special considerations

When it comes to choosing your policy, there really is not a one-size-fits-all type of policy. Everyone’s situation is unique.

For example, these questions might point out if your insurance needs might need professional guidance.

• Will I be non-renewed for getting a DUI or other conviction?
• Should I have a commercial auto policy?
• Is borrowed equipment or tools covered if stolen or damaged?
• What is high-risk coverage and where do I buy it?
• Why is insurance for a teen driver so high in San Diego?
• Is water damage covered by my policy?
• Do I need replacement cost coverage on my Suzuki Kizashi?
• What is medical payments coverage?
• Is my nanny covered when transporting my kids?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form.

When should I have guidance from an insurance agent?

Certain consumers would prefer to talk to an insurance agent and that is OK! The best thing about getting free rate quotes online is that you can find the best rates and also buy local. And buying from local agents is definitely important in San Diego.

To make it easy to find an agent, after completing this quick form, your coverage information is sent to insurance agents in San Diego who will gladly provide quotes for your insurance coverage. You won’t need to contact any agents due to the fact that quote results will go immediately to you. You can find lower rates and work with a local agent. If you want to quote rates from a specific auto insurance provider, you can always visit that company’s website and fill out their quote form.

Listed below is a list of auto insurance companies in San Diego that can give you rate quotes for Suzuki Kizashi insurance in San Diego.

View more San Diego agents

Picking the best company requires you to look at more than just a low price. Ask your prospective agent these questions:

• Is auto insurance their primary focus in San Diego?
• Do they prorate repair cost based on vehicle mileage?
• Can you contact them at any time?
• Did they already check your driving record and credit reports?
• Will they make sure you get an adequate claim settlement?
• Is their price quote a firm figure or are their hidden costs?
• Do they offer rental car reimbursement?
• Is the agent CPCU or CIC certified?

If you feel you receive good responses to these questions and a low price estimate, you may have just found a company that meets your needs to properly insure your vehicles.

Don’t give up on affordable premiums

When buying insurance coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many situations where an insured dropped full coverage and learned later that the savings was not a smart move. Your goal should be to get the best coverage possible at the lowest possible cost while not skimping on critical coverages.

We just presented some good ideas how you can compare Suzuki Kizashi insurance car insurance rates in San Diego. The key concept to understand is the more rate quotes you have, the better your chances of lowering your premium rates. Consumers may even find the most savings is with the least-expected company.

A few companies do not provide online rate quotes and usually these smaller providers only sell through independent agencies. Cheaper auto insurance in San Diego is attainable online and from local agencies, and you need to comparison shop both to have the best selection.

Much more information about auto insurance in California can be found at these links:

• Insuring a Leased Car (Insurance Information Institute)
• Who Has Cheap San Diego Auto Insurance for Uber Drivers? (FAQ)
• Who Has Cheap San Diego Auto Insurance for Business Use? (FAQ)
• Who Has Cheap San Diego Car Insurance Quotes for a Chevrolet Silverado? (FAQ)
• What Car Insurance is Cheapest for Unemployed Drivers in San Diego? (FAQ)
• Auto Insurance 101 (About.com)
• Credit Impacts Car Insurance Rates (State Farm)