Save Money on Suzuki Kizashi Insurance in Raleigh

Insurance rates Suzuki Kizashi in RaleighAmazingly, most auto insurance policyholders kept their policy with the same company for a minimum of four years, and nearly half have never even compared quotes to find cheap rates. Raleigh consumers can cut their rates by as much as $94 a year just by getting comparison quotes, but they mistakenly think it’s difficult to compare other rate quotes.

If you want to save the most money, the best way to find more affordable car insurance rates in Raleigh is to start comparing rates regularly from companies who provide auto insurance in North Carolina.

Step 1: Spend some time learning about what is in your policy and the measures you can control to prevent expensive coverage. Many things that increase rates like multiple speeding tickets and an unfavorable credit rating can be improved by making minor driving habit or lifestyle changes. Read the full article for instructions to lower rates and find additional discounts you may qualify for.

Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from a single company like GEICO or State Farm, while independent agents can provide rate quotes for a wide range of insurance providers.

Step 3: Compare the new rates to your current policy premium and determine if cheaper Kizashi coverage is available in Raleigh. If you find a better price, ensure coverage does not lapse between policies.

Step 4: Provide adequate notice to your current company to cancel your existing policy. Submit payment and a completed application to the new insurer. As soon as you have the new policy, put the new proof of insurance certificate along with the vehicle’s registration papers.

One thing to point out is to compare similar deductibles and liability limits on every price quote and to quote with as many auto insurance providers as possible. This provides the most accurate price comparison and the best price selection.

To find affordable Suzuki Kizashi insurance quotes, there are several ways to compare quotes from different Raleigh insurance companies. The best method to find competitive Suzuki Kizashi insurance rates involves getting comparison quotes online. When price shopping your coverage, comparing more rates from different companies will increase your chances of finding a lower rate.

The auto insurance companies shown below have been selected to offer free rate quotes in North Carolina. If you wish to find cheaper car insurance in NC, it’s highly recommended you get price quotes from several of them to get the best price comparison.

Suzuki Kizashi insurance charts and tables

The rate table displayed next outlines a range of policy rates for Suzuki Kizashi models. Learning as much as possible about how auto insurance policy rates are figured can help customers make smart choices when comparing insurance quotes.

Suzuki Kizashi Insurance Rates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $134 $270 $282 $16 $84 $786 $66
Kizashi S AWD $152 $270 $282 $16 $84 $804 $67
Kizashi SE $152 $270 $282 $16 $84 $804 $67
Kizashi GTS $152 $318 $282 $16 $84 $852 $71
Kizashi SE AWD $152 $318 $282 $16 $84 $852 $71
Kizashi GTS AWD $152 $318 $282 $16 $84 $852 $71
Kizashi SLS $152 $318 $282 $16 $84 $852 $71
Kizashi SLS AWD $170 $318 $282 $16 $84 $870 $73
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Table data does not factor in vehicle location which can lower or raise premium rates substantially.

Car insurance deductibles

One frequently asked question is the level to set your comp and collision deductibles. The data tables below summarize the difference in cost of buying low and high insurance deductibles. The first table uses a $100 physical damage deductible and the second rate chart uses a $1,000 deductible.

Suzuki Kizashi insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $214 $386 $250 $14 $74 $963 $80
Kizashi S AWD $242 $386 $250 $14 $74 $991 $83
Kizashi SE $242 $386 $250 $14 $74 $991 $83
Kizashi GTS $242 $456 $250 $14 $74 $1,061 $88
Kizashi SE AWD $242 $456 $250 $14 $74 $1,061 $88
Kizashi GTS AWD $242 $456 $250 $14 $74 $1,061 $88
Kizashi SLS $242 $456 $250 $14 $74 $1,061 $88
Kizashi SLS AWD $270 $456 $250 $14 $74 $1,089 $91
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Suzuki Kizashi insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $118 $204 $250 $14 $74 $660 $55
Kizashi S AWD $134 $204 $250 $14 $74 $676 $56
Kizashi SE $134 $204 $250 $14 $74 $676 $56
Kizashi GTS $134 $240 $250 $14 $74 $712 $59
Kizashi SE AWD $134 $240 $250 $14 $74 $712 $59
Kizashi GTS AWD $134 $240 $250 $14 $74 $712 $59
Kizashi SLS $134 $240 $250 $14 $74 $712 $59
Kizashi SLS AWD $150 $240 $250 $14 $74 $728 $61
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Table data does not factor in garaging location in Raleigh which can change price quotes substantially.

Based on the data above, we can derive that using a $100 deductible costs an average of $28 more each month or $336 for a full year than requesting the higher $1,000 deductible. Since you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 32 months between claim filings, you would more than likely save some money by going with a higher deductible.

Suzuki Kizashi insurance costs by age and gender

The diagram below illustrates the comparison of Suzuki Kizashi auto insurance costs for male and female drivers. The information is based on no violations or claims, comp and collision included, $500 deductibles, single marital status, and no other discounts are factored in.

Auto insurance protects more than just your car

Despite the potentially high cost of Suzuki Kizashi insurance, insuring your vehicle may be mandatory for several reasons.

The benefits of insuring your Kizashi more than offset the price you pay, especially if you ever need it. Today the average American driver overpays as much as $800 each year so it’s very important to do a rate comparison each time the policy renews to help ensure money is not being wasted.

Decisions You Make Can Impact Your Insurance Premiums

Many factors are used in the calculation when you get your auto insurance bill. Some factors are common sense like a motor vehicle report, but some are more obscure like where you live or how safe your car is.

Save money with these premium slashing discounts

Some providers don’t always list all discounts very clearly, so the list below gives a summary of some of the more common in addition to some of the lesser obvious credits available to bring down your rates. If you aren’t receiving every discount possible, you’re just leaving money on the table.Cheaper insurance with discounts

Remember that many deductions do not apply to your bottom line cost. Most only cut individual premiums such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, you’re out of luck. Any qualifying discounts will positively reduce your premiums.

The diagram below visualizes the comparison of Suzuki Kizashi insurance prices with and without discounts. The data is based on a female driver, no claims or driving citations, North Carolina 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 homeowner, safe-driver, multi-car, multi-policy, claim-free, and marriage discounts applied.

To see insurers who offer cheap Suzuki Kizashi insurance quotes in Raleigh in Raleigh, follow this link.

Compare rate quotes but buy from a neighborhood Raleigh auto insurance agent

Certain consumers just want to have an agent’s advice and that is just fine! A nice benefit of getting online price quotes is you can get cheap insurance quotes and still buy from a local agent.

Find insurance agent in RaleighTo make it easy to find an agent, after completing this quick form, your information gets sent to companies in Raleigh that give free quotes for your insurance coverage. There is no reason to drive around since price quotes are sent immediately to your email address. You’ll get the best rates without a big time investment. If for some reason you want to quote rates from a specific company, don’t hesitate to visit that company’s website to submit a rate quote request.

Deciding on an insurance company needs to be determined by more than just a low price. These are some questions you should get answers to.

If you are wanting to purchase insurance from a reputable agency, it helps to know the two different types of agents and how they differ in how they can insure your vehicles. Agents in Raleigh are classified as either independent (non-exclusive) or exclusive.

Exclusive Insurance Agencies

Agents that elect to be exclusive can only place business with one company such as Allstate, State Farm and Farmers Insurance. Exclusive agencies are unable to provide prices from multiple companies so they have no alternatives for high prices. They are trained well on their products and sales techniques which helps overcome the inability to quote other rates. Some insured continue to purchase coverage from exclusives mostly because of the brand rather than low price.

Listed below is a list of exclusive insurance agencies in Raleigh that are able to give comparison quotes.

View more Raleigh agents

Independent Insurance Agents

Agents that choose to be independent are not required to write business for one company and that is an advantage because they can write policies through lots of different companies and get you the best rates possible. If your agent finds better pricing, your agent can just switch to a different company which requires no work on your part. When comparing rate quotes, you will definitely want to compare quotes from at least one independent agent to get the best comparison. Most also have access to lesser-known insurance companies that can offer cheaper rates than bigger companies.

Shown below are Raleigh independent insurance agents who can help you get price quote information.

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Raleigh auto insurance companies

Ending up with a high-quality insurance company can be challenging considering how many companies there are in Raleigh. The company ratings displayed below could help you decide which companies to look at when comparing rate quotes.

Best Auto Insurance Companies in Raleigh
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

The best rates come from being thorough

We covered quite a bit of information on how to get a better price on Suzuki Kizashi insurance in Raleigh. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Drivers may even discover the lowest priced car insurance comes from a company that doesn’t do a lot of advertising.

Budget-conscious Suzuki Kizashi insurance is possible from both online companies and from local agencies, and you need to price shop both to get a complete price analysis. Some insurance providers don’t offer internet price quotes and these regional carriers work with independent agencies.

As you shop your coverage around, it’s a bad idea to skimp on coverage in order to save money. In many instances, someone sacrificed uninsured motorist or liability limits and learned later that it was a big error on their part. The proper strategy is to purchase plenty of coverage for the lowest cost, but do not skimp to save money.

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