Save Money on Suzuki Kizashi Insurance in Columbus

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Insurance quote for Suzuki Kizashi in ColumbusThe best way we recommend to find cheaper Suzuki Kizashi insurance in Columbus is to do an annual price comparison from providers in Ohio. This can be done by completing these steps.

  • First, read about how companies price auto insurance and the factors you can control to lower rates. Many risk factors that result in higher prices such as your driving record and a not-so-good credit rating can be eliminated by being financially responsible and driving safely. Continue reading for additional ideas to help prevent costly coverage and find overlooked discounts.
  • Second, request rate estimates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO or State Farm, while independent agencies can give you price quotes from many different companies.
  • Third, compare the new rates to your current policy and see if you can save money. If you find better rates and switch companies, ensure there is no coverage lapse between policies.
  • Fourth, provide notification to your current company of your intention to cancel your current policy. Submit any necessary down payment along with the completed application to your new company or agent. As soon as you can, put the proof of insurance paperwork with your registration paperwork.

One tip to remember is to compare the same physical damage deductibles and liability limits on every quote and and to get price quotes from as many different insurance providers as possible. This helps ensure a level playing field and a thorough price selection.

Inconceivable but true, nearly 70% of Ohio drivers have been with the same company for at least four years, and just short of a majority have never compared rates to find affordable insurance. Many drivers in the U.S. could cut their rates by as much as $859 a year just by shopping around, but they just don't understand how much money they would save if they switched to a cheaper policy.

The companies shown below are ready to provide free rate quotes in Ohio. If more than one company is shown, it's highly recommended you click on several of them to get the best price comparison.

Score discounts on Columbus insurance

Not too many consumers would say insurance is affordable, but you may be missing some discounts that may help make it more affordable. Certain discounts will be triggered automatically when you complete an application, but lesser-known reductions have to be asked about before being credited.Save money with discounts

  • Claim Free - Good drivers with no accidents get the best insurance rates when compared to drivers who are more careless.
  • Early Signing - Some insurance companies give discounts for signing up before your current Kizashi insurance policy expires. The savings is around 10%.
  • Student in College - Kids who live away from home to go to college and leave their car at home may be insured at a cheaper rate.
  • First Accident Forgiveness - Not necessarily a discount, but a few companies such as Progressive and Allstate will allow you to have one accident without getting socked with a rate hike as long as you don't have any claims for a particular time prior to the accident.
  • Memberships - Belonging to a civic or occupational organization in Columbus is a simple method to lower premiums on your next renewal.
  • Low Mileage - Maintaining low annual mileage can earn discounted premium rates on garaged vehicles.

As a sidenote, some of the credits will not apply to the entire policy premium. Some only reduce specific coverage prices like comp or med pay. So when it seems like you can get free auto insurance, nobody gets a free ride.

The diagram below illustrates the comparison of Suzuki Kizashi yearly insurance costs with and without discounts applied to the premium. The price estimates are based on a female driver, no tickets, no at-fault accidents, Ohio state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, safe-driver, claim-free, multi-car, and homeowner discounts applied.

Popular insurance companies and their offered discounts are detailed below.

  • State Farm discounts include Steer Clear safe driver discount, good driver, multiple policy, defensive driving training, and good student.
  • GEICO offers discounts including daytime running lights, multi-policy, military active duty, driver training, defensive driver, five-year accident-free, and seat belt use.
  • SAFECO offers discounts for anti-lock brakes, drive less, teen safety rewards, anti-theft, homeowner, accident prevention training, and multi-car.
  • Farmers Insurance has savings for multi-car, business and professional, homeowner, alternative fuel, teen driver, and switch companies.
  • AAA has discounts for multi-car, good student, good driver, pay-in-full, multi-policy, AAA membership discount, and education and occupation.
  • USAA includes discounts for driver training, military installation, safe driver, new vehicle, vehicle storage, and family discount.

Double check with every company the best way to save money. Some of the discounts discussed earlier might not be offered in Columbus.

Suzuki Kizashi insurance charts and tables

The coverage table displayed next outlines a range of coverage costs for Suzuki Kizashi models. Having knowledge of how policy rates are figured helps drivers make informed decisions when comparing rate quotes.

Suzuki Kizashi Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $150 $290 $256 $16 $76 $788 $66
Kizashi S AWD $170 $290 $256 $16 $76 $808 $67
Kizashi SE $170 $290 $256 $16 $76 $808 $67
Kizashi GTS $170 $342 $256 $16 $76 $860 $72
Kizashi SE AWD $170 $342 $256 $16 $76 $860 $72
Kizashi GTS AWD $170 $342 $256 $16 $76 $860 $72
Kizashi SLS $170 $342 $256 $16 $76 $860 $72
Kizashi SLS AWD $190 $342 $256 $16 $76 $880 $73
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Rate information does not factor in garaging location in Columbus which can modify prices substantially.

Policy deductibles

One of the most common car insurance questions is which deductibles should you choose. The following insurance rates sum up how much more you'll pay between high and low insurance deductibles. The first rate table uses a $250 deductible for physical damage and the second rate chart uses a $500 deductible.

Suzuki Kizashi insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $176 $296 $226 $14 $68 $805 $67
Kizashi S AWD $198 $296 $226 $14 $68 $827 $69
Kizashi SE $198 $296 $226 $14 $68 $827 $69
Kizashi GTS $198 $348 $226 $14 $68 $879 $73
Kizashi SE AWD $198 $348 $226 $14 $68 $879 $73
Kizashi GTS AWD $198 $348 $226 $14 $68 $879 $73
Kizashi SLS $198 $348 $226 $14 $68 $879 $73
Kizashi SLS AWD $220 $348 $226 $14 $68 $901 $75
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Suzuki Kizashi insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $142 $238 $226 $14 $68 $688 $57
Kizashi S AWD $160 $238 $226 $14 $68 $706 $59
Kizashi SE $160 $238 $226 $14 $68 $706 $59
Kizashi GTS $160 $280 $226 $14 $68 $748 $62
Kizashi SE AWD $160 $280 $226 $14 $68 $748 $62
Kizashi GTS AWD $160 $280 $226 $14 $68 $748 $62
Kizashi SLS $160 $280 $226 $14 $68 $748 $62
Kizashi SLS AWD $180 $280 $226 $14 $68 $768 $64
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Table data does not factor in specific Columbus garaging location which can raise or lower rates substantially.

Based on the above data, using a $250 deductible will cost you roughly $11 more each month or $132 every year than choosing the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you have more than 23 months between claim filings, you would come out ahead by selecting a higher deductible.

The example below demonstrates how deductible levels and can impact Suzuki Kizashi yearly insurance costs for different ages of insureds. The information is based on a married male driver, comp and collision included, and no other discounts are factored in.

Reckless driving habits raise Columbus car insurance rates

The diagram below demonstrates how citations and at-fault collisions drive up Suzuki Kizashi insurance rates for different age groups. The prices are based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.

Should you buy full coverage?

The illustration below shows the difference between Suzuki Kizashi insurance rates when comparing full coverage to liability only. The costs are based on no claims, a clean driving record, $500 deductibles, single status, and no discounts are applied to the premium.

When to buy liability coverage only

There is no definitive guideline of when to phase out comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is about 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.

For example, let's say your Suzuki Kizashi replacement cost is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $5,000 after paying your deductible. If you are paying more than $500 a year for physical damage coverage, then it could be time to drop full coverage.

There are some circumstances where eliminating full coverage is not a good plan. If you still owe money on your vehicle, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can't afford to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.

Smart Buyers Can Reduce Insurance Rates

One of the most helpful ways to save on auto insurance is to to have a grasp of the factors that are used to determine the level of your policy premiums. When consumers understand what controls the rates you pay, this enables you to make decisions that can earn you big savings. Many different elements are taken into consideration when you get your auto insurance bill. Some are pretty understandable such as your driving history, although some other factors are not as apparent such as your marital status or your commute time.

Shown below are some of the most common factors used by your company to calculate your premiums.

  • Getting married is a good thing - Having a significant other can actually save you money on your auto insurance policy. It generally demonstrates drivers are more financially stable and insurance companies reward insureds because married couples file fewer claims.
  • Age of drivers impacts prices - Youthful drivers in Ohio are known to be more careless behind the wheel therefore auto insurance rates are much higher. More mature drivers are viewed as being more responsible, file fewer claims, and tend to be get fewer driving tickets.

    The chart below uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.

  • Increase comp and collision deductibles to save - Physical damage protection, also known as collision and other-than-collision, helps pay for damage to your vehicle. Some instances where coverage would apply would be colliding with a building, hail damage, or theft. Comprehensive and collision coverage deductibles state the amount of money the insured will be required to pay if the claim is covered. The larger the amount you're willing to pay, the lower your rates will be.
  • Gender and car insurance - Statistics have proven that females take fewer risks when driving. However, don't assume that males are worse at driving than females. Males and females have accidents at about the same rate, but guys have costlier accidents. They also get ticketed for serious violations such as DWI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and therefore pay the highest rates.

    The illustration below illustrates the comparison of Suzuki Kizashi insurance costs for male and female drivers. The rates are based on no violations or accidents, comprehensive and collision coverage, $250 deductibles, single marital status, and no additional discounts are factored in.

  • Lower stress equals lower premiums - Did you know that where you work can have an impact on rates? Occupations like fire fighters, airline pilots, and miners are shown to have higher average rates in part from high stress and long work days. Conversely, careers such as actors, historians and the unemployed have the lowest average rates.
  • Allowing your auto insurance policy to lapse raises prices - Not maintaining insurance is illegal and companies may charge more for letting your coverage cancel without a new policy in place. Not only will you pay higher rates, being ticketed for driving with no insurance could earn you a fine, jail time, or a revoked license.
  • Drive a safer car and pay less - Cars with five star safety ratings cost less to insure. Safe vehicles reduce injuries and fewer injuries translates directly to fewer claims and cheaper rates on your policy.

Insurance agencies near you

A lot of people prefer to talk to a local agent and doing that can be a smart decision Insurance agents can make sure you are properly covered and help file insurance claims. A nice benefit of getting online price quotes is that you can obtain lower rates but also keep your business local.

Insurance agents in ColumbusUpon completion of this simple form, your insurance data gets sent to participating agents in Columbus who will give you bids for your coverage. You never need to search for any insurance agencies since rate quotes are delivered directly to your email. If for some reason you want to compare rates from a specific insurance company, just navigate to their website and fill out their quote form.

Choosing an insurer shouldn't rely on just the premium amount. Any agent in Columbus should have no problem answering these questions:

  • Are there any discounts for paying up front?
  • Will one accident increase rates?
  • Will the agent help in case of a claim?
  • How much will you save each year by using a higher deductible?
  • Do they review policy coverages at every renewal?

You can find cheaper coverage

Cheap Suzuki Kizashi insurance in Columbus is definitely available online and from local insurance agents, so you should compare both to have the best rate selection. Some insurance providers may not have rates over the internet and usually these small, regional companies sell through local independent agencies.

In this article, we covered some good ideas how to get a better price on Suzuki Kizashi insurance in Columbus. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may even discover the lowest car insurance rates come from a lesser-known regional company.

Drivers who switch companies do it for a variety of reasons including denial of a claim, unfair underwriting practices, an unsatisfactory settlement offer or even policy cancellation. Regardless of your reason for switching companies, switching insurance companies is pretty easy and you might even save some money in the process.

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