How to Compare Cleveland Suzuki Kizashi Insurance

It goes without saying that car insurance companies don’t want policyholders to shop around. People who get comparison quotes at least once a year are highly likely to buy a different policy because they have good chances of finding coverage at a cheaper rate. A recent study showed that people who shopped around saved over $3,450 over four years compared to people who never compared rates.

If finding budget-friendly Suzuki Kizashi insurance in Cleveland is your objective, then learning about the best way to shop and compare insurance rates can make it easier to find better rates.

If you want to save the most money, the best way to save on car insurance rates in Cleveland is to start doing a yearly price comparison from providers in Ohio. You can compare rates by completing these steps.

• First, take a little time to learn about how insurance works and the things you can control to keep rates in check. Many factors that cause rate increases like at-fault accidents, speeding tickets, and a poor credit rating can be rectified by making minor changes to your lifestyle. Later in this article we will cover tips to keep prices down and get discounts that may be available to you.
• Second, request price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can provide rates from one company like GEICO or State Farm, while independent agencies can provide rate quotes from multiple sources. View rates
• Third, compare the price quotes to the price on your current policy and determine if cheaper Kizashi coverage is available. If you find better rates and switch companies, make sure coverage does not lapse between policies.
• Fourth, notify your agent or company of your intention to cancel your existing policy and submit a signed application and payment for your new policy. Once received, safely store the proof of insurance paperwork along with your vehicle registration.

The most important part of this process is that you use the same physical damage deductibles and liability limits on every quote and and to get price estimates from all possible companies. This enables an accurate price comparison and the best price selection.

If you’re already insured, you stand a good chance to be able to save money using the concepts you’re about to learn. Locating the lowest cost insurance coverage in Cleveland is not as hard as you think. But Ohio vehicle owners should learn the way insurance companies determine prices and take advantage of how the system works.

Six Tips to Get Cheaper Cleveland Insurance Costs

Smart consumers have a good feel for a few of the rating criteria that go into determining your policy premiums. If you understand what impacts premium levels, this empowers consumers to make smart changes that may result in lower premium levels.

The factors shown below are some of the things companies use to determine prices.

High performance vehicles cost more to insure – The make and model of the vehicle you are insuring makes a big difference in your car insurance bill. The most favorable rates are usually found on small economy passenger cars, but that’s not the only thing that factors into the final price.

The following chart assumes a single male driver age 40, full coverage with $1000 deductibles, and no discounts or violations. The chart compares Suzuki Kizashi policy rates compared to other makes and models that have different risk factors.

How’s your driving record? – Having just one driving citation can boost insurance rates to the point where it’s not affordable. Careful drivers tend to pay less for car insurance compared to drivers with tickets. Drivers who get severe tickets like reckless driving, hit and run or driving under the influence may find that they have to to file a SR-22 with their state’s licensing department in order to prevent a license revocation.

The diagram below highlights how speeding tickets and at-fault collisions increase Suzuki Kizashi auto insurance costs for different age categories. The premium estimates are based on a married female driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.

More stress means more cost – Did you know your occupation can influence how much you pay for insurance? Occupations like military personnel, air traffic controllers, and accountants generally pay higher premiums than the average policyholder because of job stress and lots of time spent at work. Other careers such as actors, athletes and homemakers get better rates.

Don’t let your coverage lapse – Driving your car without having proper coverage is a misdemeanor and companies may charge more for letting your insurance lapse. In addition to paying higher premiums, being ticketed for driving with no insurance might get you a revoked license or a big fine.

Big city or small town – Having an address in smaller towns and rural areas of the country has definite advantages when buying insurance. People in densely populated areas tend to have traffic congestion and longer commutes to work. Fewer people means less chance of accidents in addition to fewer liability claims.

The more you drive the more you pay – The higher the miles on your Suzuki in a year the more you will pay for insurance. Almost all companies apply a rate based on how the vehicle is used. Cars and trucks that do not get driven very much receive lower rates than vehicles that are driven to work every day. Make sure your vehicle rating states the correct driver usage. An improperly rated Kizashi is throwing money out the window.

Suzuki Kizashi insurance statistics and information

The data table displayed below outlines estimates of coverage costs for Suzuki Kizashi models. Understanding more about how insurance policy premiums are figured is important for making informed decisions when comparing rate quotes.

Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Prices do not factor in the specific area where the vehicle is garaged which can alter premium rates considerably.

Should you raise deductibles?

One common question asked by Cleveland drivers is at what level do you set your deductibles. The figures shown below can help you visualize the cost difference between high and low coverage deductibles. The first set of prices uses a $100 physical damage deductible and the second pricing table uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Price information does not factor in specific location information which can lower or raise rates considerably.

We can estimate from the data above that using a $100 deductible will cost in the ballpark of $26 more each month or $312 annually across all Suzuki Kizashi models than buying the higher $1,000 deductible. Since you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go more than 35 months between claim filings, you would come out ahead going with the higher deductible.

The example below illustrates how your deductible choice and can increase or decrease Suzuki Kizashi insurance rates for different age groups. The information is based on a single female driver, full coverage, and no other discounts are factored in.

Comparison of insurance rates by age and gender in Cleveland

The diagram below compares Suzuki Kizashi insurance costs for male and female drivers. The rates are based on no claims or violations, full coverage, $100 deductibles, single status, and no other discounts are factored in.

Get discounts on Cleveland insurance

Some providers don’t always publicize all possible discounts in a way that’s easy to find, so the following list contains some of the best known in addition to some of the lesser obvious ways to save on insurance.

• ABS and Traction Control Discounts – Cars, trucks, and SUVs equipped with ABS or steering control are much safer to drive and will save you 10% or more on Kizashi insurance in Cleveland.
• Drive Safe and Save – Accident-free drivers can save as much as half off their rates than their less cautious counterparts.
• Switch and Save Discount – A few insurance companies allow discounts for signing up before your current expiration date. This discount can save up to 10%.
• Telematics Devices – Insureds that choose to allow their insurance company to study driving habits by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they have good driving habits.
• Safety Course Discount – Taking time to complete a defensive driver course could save 5% or more if your company offers it.
• Sign Online – Some of the larger companies will discount your bill up to fifty bucks for buying your policy over the internet.
• College Student – Older children who are attending college and don’t have a car could qualify for this discount.
• Cleveland Homeowners Pay Less – Owning a home in Cleveland can help you save on insurance because it demonstrates responsibility.
• Accident Forgiveness – This one isn’t a discount, but a handful of insurance companies will let one accident slide before hitting you with a surcharge so long as you haven’t had any claims prior to being involved in the accident.

Discounts save money, but please remember that most discounts do not apply to the entire cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, you’re out of luck.

The chart below illustrates the comparison of Suzuki Kizashi insurance costs with and without policy discounts. The costs are based on a male driver, no accidents, no driving violations, Ohio state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, safe-driver, homeowner, multi-policy, and claim-free discounts applied.

A few of the larger companies and some of their more popular discounts are included below.

• Progressive may have discounts that include multi-vehicle, good student, online quote discount, continuous coverage, multi-policy, and online signing.
• MetLife may offer discounts for accident-free, multi-policy, claim-free, good driver, defensive driver, and good student.
• Mercury Insurance may include discounts for multi-car, good student, ease of repair, professional/association, location of vehicle, and multi-policy.
• Nationwide has discounts for good student, anti-theft, easy pay, Farm Bureau membership, and multi-policy.
• GEICO offers discounts for good student, driver training, membership and employees, anti-theft, multi-policy, and federal employee.
• AAA offers discounts including anti-theft, AAA membership discount, good student, multi-policy, multi-car, and pay-in-full.

It’s a good idea to ask all companies you are considering the best way to save money. A few discounts may not apply in your state. To find providers who offer insurance discounts in Ohio, click here.

Do the work, save more money

More affordable insurance in Cleveland can be sourced from both online companies and from local insurance agents, so get free Cleveland car insurance quotes from both of them in order to have the best price selection to choose from. Some insurance companies may not offer rates over the internet and many times these regional carriers sell through independent insurance agents.

In this article, we covered some good ideas how you can compare Suzuki Kizashi insurance premium rates in Cleveland. The most important thing to understand is the more quotes you get, the better likelihood of getting the cheapest Suzuki Kizashi rate quotes. Drivers may even discover the most savings is with a small local company.

When buying insurance coverage, make sure you don’t reduce needed coverages to save money. In many cases, an accident victim reduced full coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible at the lowest possible cost, not the least amount of coverage.

Other resources

• Crash Avoidance Technologies FAQ (iihs.org)
• Who Has Cheap Car Insurance Quotes for Hybrid Vehicles in Cleveland? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for a Nissan Sentra in Cleveland? (FAQ)
• How Much are Car Insurance Rates for First-time Drivers in Cleveland? (FAQ)
• Who Has the Cheapest Car Insurance Rates for a Toyota RAV4 in Cleveland? (FAQ)
• Understanding your Policy (NAIC.org)
• Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
• Cellphones, Texting and Driving (iihs.org)