Best Ways to Save on Long Beach Suzuki Kizashi Insurance

It takes a little time, but the best way to get budget Suzuki Kizashi insurance in Long Beach is to start comparing prices yearly from insurance carriers that sell auto insurance in California. You can shop around by following these steps.

Step 1: Learn about coverages and the things you can change to drop your rates. Many risk factors that result in higher rates like inattentive driving and a not-so-good credit score can be rectified by being financially responsible and driving safely. Read the full article for the details to get better rates and get additional discounts that may be available.

Step 2: Compare price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from a single company like Progressive or Farmers Insurance, while independent agents can provide rate quotes from multiple companies.

Step 3: Compare the new rate quotes to the premium of your current policy to see if you can save by switching companies. If you find a lower rate and switch companies, ensure there is no coverage lapse between policies.

One piece of advice is to try to use similar deductibles and liability limits on each price quote and and to get prices from every insurance company. Doing this helps ensure an accurate price comparison and the best price selection.

Insurance quote for Suzuki Kizashi in Long BeachIt’s a fact that car insurance companies want to keep your business as long as possible. Drivers who compare rates once a year are highly likely to switch companies because of the good chance of finding a cheaper policy. A recent study showed that consumers who compared rates annually saved $72 a month compared to policyholders who never compared prices.

If finding discount rates on auto insurance in Long Beach is your objective, understanding how to find companies and compare car insurance can help simplify the task of finding more affordable coverage.

Facts and figures for Suzuki Kizashi insurance

The table shown next highlights different insurance costs for Suzuki Kizashi models. Having a better understanding of how car insurance premiums are formulated can benefit drivers when making smart policy decisions.

Suzuki Kizashi Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $296 $584 $424 $26 $126 $1,456 $121
Kizashi S AWD $334 $584 $424 $26 $126 $1,494 $125
Kizashi SE $334 $584 $424 $26 $126 $1,494 $125
Kizashi GTS $334 $688 $424 $26 $126 $1,598 $133
Kizashi SE AWD $334 $688 $424 $26 $126 $1,598 $133
Kizashi GTS AWD $334 $688 $424 $26 $126 $1,598 $133
Kizashi SLS $334 $688 $424 $26 $126 $1,598 $133
Kizashi SLS AWD $372 $688 $424 $26 $126 $1,636 $136
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Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Information does not factor in specific Long Beach garaging location which can influence auto insurance rates considerably.

Where to set your deductibles

One of the hardest decisions when shopping for car insurance is how high should the physical damage deductibles be. The figures shown below summarize the price difference when you select higher and lower coverage deductibles. The first rate table uses a $250 deductible and the second data table uses a $500 deductible.

Suzuki Kizashi insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $342 $576 $442 $26 $132 $1,543 $129
Kizashi S AWD $386 $576 $442 $26 $132 $1,587 $132
Kizashi SE $386 $576 $442 $26 $132 $1,587 $132
Kizashi GTS $386 $678 $442 $26 $132 $1,689 $141
Kizashi SE AWD $386 $678 $442 $26 $132 $1,689 $141
Kizashi GTS AWD $386 $678 $442 $26 $132 $1,689 $141
Kizashi SLS $386 $678 $442 $26 $132 $1,689 $141
Kizashi SLS AWD $430 $678 $442 $26 $132 $1,733 $144
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Suzuki Kizashi insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $278 $464 $442 $26 $132 $1,342 $112
Kizashi S AWD $314 $464 $442 $26 $132 $1,378 $115
Kizashi SE $314 $464 $442 $26 $132 $1,378 $115
Kizashi GTS $314 $546 $442 $26 $132 $1,460 $122
Kizashi SE AWD $314 $546 $442 $26 $132 $1,460 $122
Kizashi GTS AWD $314 $546 $442 $26 $132 $1,460 $122
Kizashi SLS $314 $546 $442 $26 $132 $1,460 $122
Kizashi SLS AWD $348 $546 $442 $26 $132 $1,494 $125
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Prices do not factor in specific location which can raise or lower coverage prices noticeably.

Based on these figures, using a $250 deductible will cost you approximately $19 more each month or $228 for a full year than selecting the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to go at least 13 months between claim filings, you would probably save some money by going with a higher deductible.

How to determine if a higher deductible is a good idea

Average monthly premium for $250 deductibles: $138
Average monthly premium for $500 deductibles (subtract): – $119
Monthly savings from raising deductible: $19
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $19
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

Cost difference between full coverage and liability

The illustration below illustrates the difference between Suzuki Kizashi car insurance costs with full physical damage coverage compared to only buying liability only. The costs are based on no claims, a clean driving record, $100 deductibles, marital status is single, and no discounts are factored in.

When to switch to liability coverage only

There is no definitive rule for dropping comp and collision coverage, but there is a general school of thought. If the annual cost of having full coverage is 10% or more of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.

For example, let’s say your Suzuki Kizashi book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $5,000 after you pay the deductible. If premium cost is more than $500 a year to have full coverage, then you might want to consider buying only liability coverage.

There are some cases where dropping full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not remove full coverage.

Smart Choices Result in Lower Insurance Prices

Lots of things are taken into consideration when quoting car insurance. Some factors are common sense such as your driving history, but other criteria are less obvious such as your credit history or your commute time.

The list below includes some of the factors used by insurance companies to determine your premiums.

Insurance premiums and driver gender – Over time, data shows that females tend to be a little less risky than males. However, don’t assume that men are WORSE drivers than women. Both genders are in at-fault accidents at about the same rate, but the men tend to have more serious accidents. Not only that, but men also receive more major tickets like DUI and reckless driving. Male teenagers are the most expensive to insure and therefore are the most expensive to insure.

The example below visualizes the comparison of Suzuki Kizashi auto insurance rates for male and female drivers. The costs are based on no violations or claims, comp and collision included, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.

Reduce rates by driving safer vehicles – Vehicles with high crash test scores cost less to insure. Highly rated vehicles have better occupant injury protection and reduced instances of injuries translates into fewer and smaller insurance claims passed on to you as lower rates. If your Suzuki is rated at a minimum four stars on or an “acceptable” rating on it may be receiving lower rates.

Don’t skimp on liability coverage – Your policy’s liability coverage is the coverage that protects you in the event that you are found to be at fault for causing damage or personal injury in an accident. This coverage provides legal defense to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.

Deter theft and pay less – Choosing a vehicle that has a built-in theft deterrent system can help lower your rates. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.

Cautious drivers pay less – Being a careful driver has a big impact on rates. Getting just one moving violation can increase rates to the point where it’s not affordable. Drivers who don’t get tickets get better prices than people who have multiple driving citations. Drivers who get severe tickets such as DUI, reckless driving or excessive speeding may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.

The diagram below illustrates how speeding tickets and at-fault collisions influence Suzuki Kizashi annual premium costs for each different age group. The information is based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.

Job and insurance premiums – Did you know your job can affect your rates? Occupational choices like fire fighters, air traffic controllers, and emergency personnel tend to have higher rates than average attributed to high stress levels and long work days. Conversely, careers like professors, historians and retirees pay the least.

How to find a good Long Beach auto insurance company

Choosing the right auto insurance company can be challenging considering how many choices drivers have in California. The rank data shown below can help you pick which insurers you want to consider when comparing rate quotes.

Best Auto Insurance Companies in California
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

Be persistent and save

When searching for low cost Long Beach auto insurance quotes, don’t be tempted to buy less coverage just to save a little money. There have been many situations where an accident victim reduced full coverage to discover at claim time that it was a big error on their part. Your goal should be to get the best coverage possible for the lowest cost, but don’t skip important coverages to save money.

Budget-friendly car insurance in Long Beach is available online and also from your neighborhood Long Beach agents, and you need to price shop both to have the best selection. Some insurance companies may not have online rate quotes and these small, regional companies work with independent insurance agencies.

We just covered a lot of tips how to reduce Suzuki Kizashi insurance prices online in Long Beach. The most important thing to understand is the more times you quote, the better chance you’ll have of finding affordable Suzuki Kizashi insurance quotes. You may even be surprised to find that the biggest savings come from some of the lesser-known companies.

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