Amazingly, 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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| 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 |
| Get Your Own Custom Quote Go | |||||||
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.
- Just about all states have mandatory liability insurance requirements which means you are required to carry a specific minimum amount of liability coverage if you drive a vehicle. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you took out a loan on your vehicle, almost all lenders will stipulate that you have full coverage to guarantee payment of the loan. If you default on your policy, the bank or lender will purchase a policy for your Suzuki at a significantly higher premium and make you pay the higher premium.
- Auto insurance preserves both your Suzuki and your assets. It will also provide coverage for medical bills for not only you but also any passengers injured in an accident. Liability insurance also pays for attorney fees and expenses if you are sued as the result of an accident. If damage is caused by hail or an accident, your auto insurance policy will pay to have it repaired.
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.
- Low coverage deductibles mean high rates – The deductibles are how much the insured will be required to pay if you file a covered claim. Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some coverage claims would be a windshield broken by a bird, collision with a deer, or theft of your vehicle. The more money you have to pay, the lower your rates will be.
- Insurance companies don’t like frequent insurance claims – Auto insurance companies in North Carolina generally give lower rates to policyholders who only file infrequent claims. If you file claims often, you can pretty much guarantee much higher rates or policy non-renewal. Insurance coverage is intended to be relied upon for claims that pose a financial burden.
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High performance equals high costs – The performance level of the car you need insurance for makes a huge difference in how high your rates are. Small economy passenger cars generally have the cheapest insurance rates, but there are many factors that impact the final cost.
The following chart is based on a married female driver age 50, full coverage with $1000 deductibles, and no discounts or violations. It illustrates Suzuki Kizashi rates compared to other vehicles that have a range of risk factors.
- Do you really need roadside assistance? – There are a lot of additional extra coverages that sound like a good idea at the time when buying insurance. Insurance for things like roadside assistance, death and dismemberment, and extra life insurance coverage are some examples. These coverages may sound good when deciding what coverages you need, but if you have no use for them consider taking them off your policy.
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.
- Paperwork-free – Certain insurance companies may give you up to $50 for buying your policy on their website.
- Pay Early and Save – If you pay your entire premium ahead of time as opposed to paying monthly you can avoid the installment charge.
- Discount for Multiple Policies – If you have multiple policies with one company you could get a discount of as much as 10 to 15 percent.
- First Accident Forgiveness – This one is not really a discount per se, but companies like GEICO and Allstate permit an accident before your rates go up if you are claim-free for a set time period.
- Discount for Life Insurance – Insurance companies who offer life insurance give lower prices if you buy some life insurance in addition to your auto policy.
- Employee of Federal Government – Active or former government employment may reduce rates when you quote Raleigh auto insurance with a few insurance companies.
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.
To 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.
- Will they give you a referral list?
- In the event of vehicle damage, can you pick the collision repair facility?
- Does the company use OEM repair parts?
- Where would glass claims be handled in Raleigh?
- If you raise deductibles, how much can you save?
- When do they do a full risk review?
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.
- Allstate Insurance: Lauri W. Fair
9101 Leesville Rd Ste 111 – Raleigh, NC 27613 – (919) 846-3901 – View Map - GEICO Insurance Agent
5011 Falls of Neuse Rd A – Raleigh, NC 27609 – (919) 862-1300 – View Map - Mary Wilson – State Farm Insurance – Raleigh
9660 Falls of Neuse Rd #165 – Raleigh, NC 27615 – (919) 872-1225 – View Map
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.
- Blackmon Insurance Agency of North Carolina, Inc.
4280 Louisburg Rd – Raleigh, NC 27604 – (919) 875-8500 – View Map - Hix Insurance Center
2010 New Bern Ave – Raleigh, NC 27610 – (919) 255-6210 – View Map - Marcus L Davis Agency
3901 Barrett Dr Suite 312 – Raleigh, NC 27609 – (919) 772-7698 – View Map
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.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com 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.
For more information, link through to the resources below:
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- How Much is Auto Insurance for a Nissan Altima in Raleigh? (FAQ)
- Who Has Cheap Raleigh Car Insurance for Nurses? (FAQ)
- Safety Tips for Teen Drivers (Insurance Information Institute)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Credit Impacts Car Insurance Rates (State Farm)
- Choosing an Insurance Company (Insurance Information Institute)