How to Save on Louisville Suzuki Kizashi Insurance

Discount Suzuki Kizashi insuranceIt takes a few minutes, but the best way to find discount Suzuki Kizashi insurance in Louisville is to start comparing rates regularly from companies in Kentucky.

  1. Take a few minutes and learn about how insurance companies determine prices and the measures you can control to keep rates low. Many risk factors that drive up the price like distracted driving and a negative credit rating can be controlled by being financially responsible and driving safely. Later in this article we will cover more ideas to find cheap prices and get discounts that may be overlooked.
  2. Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like Progressive or Farmers Insurance, while independent agencies can provide rate quotes from multiple companies.
  3. Compare the new rates to the premium of your current policy to see if a cheaper price is available in Louisville. If you can save money, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Give notification to your current company of your decision to cancel your current auto insurance policy and submit a completed policy application and payment to the new company. As soon as you can, place the new certificate verifying coverage in your vehicle.

An important bit of advice to remember is to use the same coverage limits and deductibles on every price quote and and to get rates from every company you can. Doing this helps ensure a fair price comparison and a thorough price selection.

Shockingly, most insurance policyholders have purchased from the same company for over three years, and 38% of customers have never compared rates to find cheap insurance. Many drivers in Kentucky could save approximately $630 a year by just comparing rate quotes, but they don’t believe the benefits if they just switched companies.

Finding affordable coverage in Louisville is much easier if you have a good place to start. In a nutshell, every driver who compares rate quotes for insurance most likely will get a lower-priced policy. But Kentucky drivers should learn how insurance companies calculate their prices and apply this information to your search.

The majority of larger companies such as State Farm and Allstate allow you to get price estimates from their websites. Getting online quotes for Suzuki Kizashi insurance in Louisville is quite simple as you just enter your required coverages into the form. After you complete the form, the quote system pulls reports for credit and driving violations and provides a quote based on the data you entered.

The ability to get online quotes for Suzuki Kizashi insurance in Louisville makes it easy to compare insurance prices and it’s very important to do this in order to find the best possible rates on car insurance.

To save time and fill out one form to compare multiple rates now, compare rates now from the companies shown below. If you have your current policy handy, we recommend you type in your coverages identical to your current policy. This ensures you will have a rate comparison using the same coverage and limits.

The companies shown below can provide price quotes in Kentucky. If you wish to find cheap auto insurance in Kentucky, we suggest you visit two to three different companies to get the lowest price.

Coverage analysis

The coverage information shown next covers different prices for Suzuki Kizashi models. Being more informed about how auto insurance prices are established is important to be able to make smart choices when choosing a car insurance company.

Suzuki Kizashi Insurance Rates in Louisville, KY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $288 $426 $428 $26 $128 $1,296 $108
Kizashi S AWD $324 $426 $428 $26 $128 $1,332 $111
Kizashi SE $324 $426 $428 $26 $128 $1,332 $111
Kizashi GTS $324 $500 $428 $26 $128 $1,406 $117
Kizashi SE AWD $324 $500 $428 $26 $128 $1,406 $117
Kizashi GTS AWD $324 $500 $428 $26 $128 $1,406 $117
Kizashi SLS $324 $500 $428 $26 $128 $1,406 $117
Kizashi SLS AWD $362 $500 $428 $26 $128 $1,444 $120
Get Your Own Custom Quote Go

Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Kentucky minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Table data does not factor in your specific Louisville location which can change rates significantly.

Policy deductibles

When buying auto insurance, a common question is how high should the deductibles for physical damage be. The following insurance rates sum up the cost difference of buying low and high deductibles. The first pricing table uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.

Suzuki Kizashi insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $252 $426 $326 $20 $98 $1,147 $96
Kizashi S AWD $284 $426 $326 $20 $98 $1,179 $98
Kizashi SE $284 $426 $326 $20 $98 $1,179 $98
Kizashi GTS $284 $500 $326 $20 $98 $1,253 $104
Kizashi SE AWD $284 $500 $326 $20 $98 $1,253 $104
Kizashi GTS AWD $284 $500 $326 $20 $98 $1,253 $104
Kizashi SLS $284 $500 $326 $20 $98 $1,253 $104
Kizashi SLS AWD $318 $500 $326 $20 $98 $1,287 $107
Get Your Own Custom Quote Go

Suzuki Kizashi insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $156 $268 $326 $20 $98 $868 $72
Kizashi S AWD $176 $268 $326 $20 $98 $888 $74
Kizashi SE $176 $268 $326 $20 $98 $888 $74
Kizashi GTS $176 $316 $326 $20 $98 $936 $78
Kizashi SE AWD $176 $316 $326 $20 $98 $936 $78
Kizashi GTS AWD $176 $316 $326 $20 $98 $936 $78
Kizashi SLS $176 $316 $326 $20 $98 $936 $78
Kizashi SLS AWD $196 $316 $326 $20 $98 $956 $80
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Premium costs do not factor in specific location information which can increase or decrease rates greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs approximately $25 more each month or $300 for a full year averaged for all Kizashi models than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 30 months between claims, you would more than likely save some money if you choose the higher deductible. Here is a better example of how you can perform this determination yourself.

Average monthly premium for $250 deductibles: $102
Average monthly premium for $1,000 deductibles (subtract): – $77
Monthly savings from raising deductible: $25
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 30 months

One thing to be aware of is that raising deductibles means you will have to pay more when you have to file a claim. That will force you to have some savings in the bank in order to pay the deductible to have repairs made.

The example below shows how choosing a deductible and can impact Suzuki Kizashi insurance rates for different insured age categories. The premiums are based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.

Illustration showing the impact of accidents and violations

The diagram below shows how traffic citations and at-fault accidents increase Suzuki Kizashi car insurance costs for each age group. The prices are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.

Educated Choices Result in Lower Insurance Costs

Lots of things are used in the calculation when premium rates are determined. Some factors are common sense such as your driving history, but other factors are more transparent like your continuous coverage or your vehicle rating. A large part of saving on auto insurance is knowing the rating factors that help calculate your policy premiums. If you know what determines premiums, this helps enable you to make changes that could help you find cheaper rates.

Don’t cut corners with liability protection – Your auto insurance policy’s liability coverage will protect you if ever you are determined to be liable for causing damage or personal injury in an accident. Your policy’s liability insurance provides legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.

When should you not file insurance claims? – If you frequently file small claims, you can pretty much guarantee increased rates or even have your policy non-renewed. Car insurance companies in Kentucky award the best rates to insureds who are not frequent claim filers. Your insurance policy is meant to be used in the event of claims that you cannot pay yourself.

Better prices with anti-theft devices – Purchasing a vehicle with advanced anti-theft systems can help lower your rates. Systems that thwart thieves such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent vehicle theft.

Extra coverages can add up – Policies have extra add-on coverages that sound like a good idea at the time on your Kizashi policy. Add-on coverages like vanishing deductibles, death and dismemberment, and term life insurance may be wasting your money. You may think they are a good idea when buying your policy, but now you might not need them so consider taking them off your policy.

Pay lower premiums after the wedding – Having a spouse may cut your premiums when shopping for auto insurance. Marriage generally demonstrates drivers are more stable financially and insurance companies reward insureds because married drivers tend to have fewer serious accidents.

Insuring your vehicle just makes sense

Even though it can be expensive, maintaining insurance may be required for several reasons.

First, most states have minimum mandated liability insurance limits which means you are required to carry a minimum amount of liability coverage if you don’t want to risk a ticket. In Kentucky these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your vehicle has a loan, most banks will make it a condition of the loan that you carry insurance to ensure the loan is repaid in case of a total loss. If you default on your policy, the bank may buy a policy for your Suzuki at a much higher premium rate and make you pay the higher price.

Third, insurance preserves not only your Suzuki Kizashi but also your financial assets. Insurance will pay for medical bills that are the result of an accident. Liability coverage will also pay to defend you if you cause an accident and are sued. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.

The benefits of having insurance more than offset the price you pay, specifically if you ever have a liability claim. According to a recent study, the average American driver is wasting up to $810 a year so we recommend shopping around at every renewal to save money.