Really, the only way to save on Suzuki Kizashi insurance is to make a habit of regularly comparing prices from different companies who sell auto insurance in Charlotte. You can compare prices by following these guidelines.
First, try to understand how insurance works and the factors you can control to prevent expensive coverage. Many factors that cause high rates such as speeding tickets, accidents and an imperfect credit rating can be rectified by making minor driving habit or lifestyle changes. Keep reading for additional ideas to prevent expensive rate increases and find discounts that may have been missed.
Second, request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from a single company like GEICO and State Farm, while independent agents can give you price quotes from multiple insurance companies. Get quotes now
Third, compare the new rate quotes to your current policy to see if you can save by switching companies. If you find better rates and make a switch, make sure coverage is continuous and does not lapse.
Fourth, provide adequate notice to your current company of your intent to cancel the current policy and submit payment along with a signed and completed policy application to your new company or agent. As soon as coverage is bound, store the proof of insurance certificate along with your vehicle registration.
One important bit of advice is to try to compare the same amount of coverage on every price quote and and to get quotes from every company you can. Doing this guarantees the most accurate price comparison and a thorough selection of prices.
We don’t have to tell you that insurance companies don’t want customers comparing rates. Consumers who compare other rates are very likely to buy a new policy because there is a significant possibility of finding lower rate quotes. A recent insurance study revealed that people who compared rates once a year saved approximately $3,500 over four years compared to those who don’t make a habit of comparing rates.
If finding the lowest rates on Suzuki Kizashi insurance is your ultimate target, then learning a little about how to shop and compare cheaper coverage can save time and money.
Locating the best car insurance coverage in Charlotte is easy to do. If you have a policy now or just want cheaper rates, you can follow these tips to find the best rates while maximizing coverage. Drivers only need to know the fastest way to buy car insurance from multiple carriers.
Analysis of coverages
The rate table displayed below covers different prices for Suzuki Kizashi models. Having a better idea how auto insurance premiums are calculated can help guide drivers when making informed decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Kizashi S AWD||$198||$298||$256||$16||$76||$844||$70|
|Kizashi SE AWD||$198||$352||$256||$16||$76||$898||$75|
|Kizashi GTS AWD||$198||$352||$256||$16||$76||$898||$75|
|Kizashi SLS AWD||$220||$352||$256||$16||$76||$920||$77|
|Get Your Own Custom Quote Go|
Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Price estimates do not factor in vehicle garaging location which can change premiums greatly.
The chart below illustrates how your deductible choice and can raise or lower Suzuki Kizashi insurance costs for different age categories. The data assumes a married male driver, full coverage, and no other discounts are factored in.
Car insurance rates by age and gender in Charlotte
The information below shows the difference between Suzuki Kizashi annual premium costs for male and female drivers. The data is based on a clean driving record, no claims, full physical damage coverage, $500 deductibles, single marital status, and no discounts are factored in.
Charlotte Insurance Rates are Influenced by These Factors
Consumers need to have an understanding of some of the factors that aid in calculating the rates you pay for insurance. When consumers understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could help you find lower insurance prices. Multiple criteria are used when you quote your car insurance policy. Some are obvious such as your driving record, but others are more transparent like your vehicle usage or your vehicle rating.
Traffic violations drive up premiums – Your driving citation history influences premium rates substantially. Just one chargeable violation can boost insurance rates to the point where it’s not affordable. Careful drivers get better prices as compared to careless drivers. Drivers who have license-revoking tickets such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
The diagram below highlights how speeding tickets and at-fault claims can raise Suzuki Kizashi yearly insurance costs for different age groups of insureds. The premiums are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.
Low credit rating equals high costs – Having a good credit rating is likely to be a major factor in determining premium rates. Drivers with excellent credit scores tend to be less risk to insure as compared to drivers with poor credit. If your credit can be improved, you could save money insuring your Suzuki Kizashi by spending a little time repairing your credit.
Only buy coverage you need – Insurance companies have many add-on coverages you can purchase but may not be useful. Insurance for replacement cost coverage, towing coverage, and extra life insurance coverage may be costing you every month. They may seem good when deciding what coverages you need, but your money might be better spent on other coverage so remove them and pocket the money.
Annual mileage impacts premiums – The more miles you rack up on your Suzuki each year the higher your rates will be. Most companies price each vehicle’s coverage based upon how the vehicle is primarily used. Cars and trucks that are left in the garage can be on a lower rate level than those used for commuting. Having an incorrect usage rating on your Kizashi can result in significantly higher rates. Make sure your declarations sheet reflects annual mileage, because it can save money.
Alarms and GPS tracking lower premiums – Buying a car with advanced anti-theft systems can help lower your rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.
High premiums for younger drivers – Youthful drivers in North Carolina are statistically proven to be less responsible with other occupants in the car therefore insurance rates are much higher. If you’ve ever had to add a youthful driver onto your insurance can really hurt. Mature drivers are viewed as being more responsible, tend to file fewer claims, and get fewer tickets.
The next chart uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.
Cheap insurance premiums are out there
Consumers switch companies for a number of reasons such as high rates after DUI convictions, denial of a claim, not issuing a premium refund or even lack of trust in their agent. Regardless of your reason for switching companies, finding the right insurance provider can be pretty painless.
Some insurance providers don’t offer online price quotes and these smaller companies work with independent agents. Lower-priced insurance in Charlotte is possible from both online companies in addition to many Charlotte insurance agents, and you need to price shop both to have the best rate selection.
You just read a lot of tips how to get a better price on Suzuki Kizashi insurance in Charlotte. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your prices. You may even find the biggest savings come from some of the lesser-known companies.
More detailed insurance information can be found by following these links:
- Neck Injury FAQ (iihs.org)
- Who Has Affordable Car Insurance Quotes for Used Cars in Charlotte? (FAQ)
- Who Has Cheap Auto Insurance Rates for Good Students in Charlotte? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Dodge Ram in Charlotte? (FAQ)
- Who Has the Cheapest Car Insurance for High Mileage Drivers in Charlotte? (FAQ)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- Keeping Children Safe in Crashes Video (iihs.org)
- Insuring a Leased Car (Insurance Information Institute)