Car Insurance Quotes for a Suzuki Kizashi in Sacramento

It takes a little time, but the best way to find discount Suzuki Kizashi insurance in Sacramento is to make a habit of regularly comparing prices from companies who can sell car insurance in California.

Step 1: It will benefit you to learn about how your policy works and the changes you can make to prevent rate increases. Many risk factors that result in higher rates such as multiple speeding tickets and a negative credit history can be remedied by making minor changes to your lifestyle. Keep reading for more ideas to get affordable coverage and find available discounts that you may qualify for.

Step 2: Request price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from one company like Progressive or Allstate, while independent agencies can quote prices for a wide range of companies.

Step 3: Compare the new rate quotes to the price on your current policy and determine if cheaper Kizashi coverage is available in Sacramento. If you can save some money, make sure there is no coverage gap between policies.

Step 4: Notify your company or agent of your intention to cancel your current car insurance policy and submit the required down payment along with the signed application to your new insurance company. Don’t forget to place the new proof of insurance paperwork with your vehicle’s registration.

One tip to remember is to make sure you’re comparing similar limits and deductibles on every quote request and and to get rate quotes from all possible companies. This enables a fair rate comparison and plenty of rates choose from.

It’s an obvious conclusion that car insurance companies don’t want you quoting rates from other companies. Drivers who rate shop once a year will, in all likelihood, move their business because they stand a good chance of getting low-cost coverage. A recent study showed that people who compared price quotes annually saved an average of $3,450 over four years compared to those who don’t regularly compare prices.

If finding budget-friendly car insurance in Sacramento is the reason for your visit, then having an understanding of how to get rate quotes and compare auto insurance can save money and time.

Choosing the best rates in Sacramento is much easier if you know where to start. Essentially every driver who compares rates for auto insurance will be able to save money. Nevertheless, California car owners need to have an understanding of the methods companies use to determine how much to charge.

Companies offering Suzuki Kizashi insurance in Sacramento

The car insurance companies shown below have been selected to offer comparison quotes in Sacramento, CA. To buy cheaper car insurance in Sacramento, we suggest you visit as many as you can in order to find the most competitive rates.

Suzuki Kizashi detailed coverage information

The table displayed next outlines different insurance policy prices for Suzuki Kizashi models. Having a good grasp of how rate quotes are established can assist in making smart choices when purchasing an auto insurance policy.

Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Price estimates do not factor in specific zip code location which can influence coverage prices noticeably.

Raise deductibles and save

A question often asked by Sacramento drivers is how high should the physical damage coverage deductibles be. The rates shown below outline the rate difference between low and high coverage deductibles. The first set of prices uses a $100 deductible for comp and collision and the second data table uses a $500 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Price information does not factor in specific location information which can decrease or increase prices significantly.

Based on this data, using a $100 deductible will cost in the ballpark of $32 more each month or $384 annually than buying the higher $500 deductible. Because you would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 13 months between claims, you would save more money going with the higher deductible.

How accidents and violations affect rates

The information below highlights how speeding tickets and accident claims can drive up Suzuki Kizashi insurance prices for each different age category. Data assumes a single male driver, full coverage, $500 deductibles, and no discounts are applied to the premium.

Suzuki Kizashi full coverage rates compared to liability only

The chart below shows the comparison of Suzuki Kizashi annual premium costs with full physical damage coverage and with liability coverage only. The rate quotes are based on a clean driving record, no at-fault accidents, $250 deductibles, marital status is single, and no additional discounts are factored in.

When to drop comprehensive and collision coverage

There isn’t a written rule of when to exclude full coverage on your policy, but there is a general convention. If the annual cost of having full coverage is more than around 10% of the settlement you would receive from your company, then it could be time to drop full coverage.

For example, let’s pretend your Suzuki Kizashi replacement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $2,000 after you pay the deductible. If you are currently paying more than $200 annually for full coverage, then you might want to think about dropping full coverage.

There are some conditions where buying only liability insurance is not advised. If you still owe a portion of the original loan, you are required to maintain full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should keep full coverage in place.

Informed Consumers Can Save Money

When buying car insurance it’s important to understand the rating factors that help calculate car insurance rates. If you have a feel for what determines premiums, this allows you to make educated decisions that will entitle you to cheaper rates. Many things are taken into consideration when quoting car insurance. Some are obvious such as your driving record, but others are more transparent like where you live or your commute time.

The following are a few of the things that factor into your prices.

Insurance rates and vehicle performance – The type of car or truck you need to insure makes a big difference in your car insurance bill. The cheapest insurance rates are usually found on the lowest performance passenger cars, but many other things help determine your insurance rates.

The following chart assumes a single male driver age 20, full coverage with $1000 deductibles, and no discounts or violations. The data compares Suzuki Kizashi rates compared to other vehicles that have a range of performance rating factors.

Consolidate and save – Many car insurance companies allow better rates to policyholders who buy several policies from them, otherwise known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. Even with this discount, it’s always a smart idea to get quotes from other companies to help guarantee you have the best rates. Drivers may still find better rates by splitting coverages up.

Rural areas have lower prices – Living in areas with lower population is a good thing when shopping for auto insurance. Fewer people means fewer accidents and a lower car theft rate. People in densely populated areas have to deal with traffic congestion and longer commute times. Longer commute distances means more chances of being involved in an auto accident.

Bad credit will cost you – Your credit rating can be an important factor in determining what you pay. Drivers with good credit tend to file fewer claims and have better driving records than those with poor credit scores. If your credit history is low, you may save money insuring your Suzuki Kizashi by spending a little time repairing your credit.

Maintain car insurance coverage – Not having insurance can get you a ticket and your next policy will cost more because you let your insurance expire. Not only will rates go up, the inability to provide proof of insurance may earn you a hefty fine and possibly a revoked license.

Mature drivers pay less – Teenage drivers in California are proven to get distracted easily when behind the wheel so they pay higher car insurance rates. Parents adding a first-time driver onto a policy can be very expensive. Older people are shown to be more cautious, file fewer claims, and get fewer tickets.

The next chart assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.

Only buy extra coverages you need – There are quite a few additional coverages that you can get tricked into buying when buying car insurance. Coverage for things like personal injury protection, death and dismemberment, and extra equipment coverage are probably not needed. These coverages may sound good when you first buy your policy, but if you’ve never needed them in the past eliminate them to save money.

You may qualify for discounts for Suzuki Kizashi insurance in Sacramento

Buying insurance is not cheap, but you may find discounts to cut the cost considerably. Many discounts should be triggered when you complete an application, but some discounts are required to be inquired about before you get the savings.

• Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates compared to accident prone drivers.
• Defensive Driver – Completing a course teaching defensive driving skills could earn you a small percentage discount depending on where you live.
• Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a break if you buy life insurance from them.
• Federal Government Employee – Being employed by or retired from a federal job may qualify for a discount when you quote Sacramento car insurance depending on your company.
• Good Grades Discount – Performing well in school can be rewarded with saving of up to 25%. Most companies allow this discount up to age 25.
• Senior Discount – Older drivers can get a small decrease in premiums.
• Low Mileage Discounts – Keeping the miles down on your Suzuki can qualify you for slightly better insurance rates than normal.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Most cut individual premiums such as physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, companies don’t profit that way.

The diagram below compares Suzuki Kizashi insurance costs with and without discounts being applied to the rates. The price estimates are based on a male driver, no violations or claims, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, marriage, claim-free, multi-car, and homeowner discounts applied.

To view insurers that offer multiple discounts in Sacramento, click here to view.

Local agents and insurance

Many drivers would rather get professional advice from a licensed agent and often times that is recommended A good thing about price shopping on the web is the fact that you can find cheap rate quotes and still have an agent to talk to.

Once you complete this short form, your insurance coverage information is submitted to participating agents in Sacramento that give free quotes for your insurance coverage. It makes it easy because there is no need to find an agent on your own due to the fact that quote results will go directly to you. You can get cheaper insurance rates AND a local agent. If for some reason you want to compare prices from one company in particular, you can always navigate to their website and give them your coverage information.

Finding a good company requires more thought than just the price. Any agent in Sacramento should be forthright in answering these questions:

• Can you get a list of referrals?
• Which family members are covered?
• Do they assist clients in filing claims?
• Do they have 24-hour customer assistance?
• What kind of financial rating does the company have?
• Do they specialize in personal lines auto insurance in Sacramento?
• Is the agency covered by Errors and Omissions coverage?
• If you are a high risk driver, do they have special markets for your coverage?

The following is a list of auto insurance companies in Sacramento willing to provide comparison quotes for Suzuki Kizashi insurance in Sacramento.

View more agents

Persistence is the key to cheap rates

When trying to cut insurance costs, never reduce needed coverages to save money. Too many times, an insured cut physical damage coverage only to discover later that the small savings ended up costing them much more. The aim is to get the best coverage possible at a price you can afford, but don’t skip important coverages to save money.

Lower-priced Suzuki Kizashi insurance in Sacramento can be purchased both online as well as from independent agents in Sacramento, so you should compare both to have the best selection. A few companies do not offer online price quotes and many times these small, regional companies work with local independent agents.

To learn more, take a look at the following helpful articles:

• Choosing a Car for Your Teen (State Farm)
• Who Has the Cheapest Auto Insurance Rates for a Ford Escape in Sacramento? (FAQ)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Preventing Carjacking and Theft (Insurance Information Institute)
• Uninsured Motorist Statistics (Insurance Information Institute)