Cheap Suzuki Kizashi Insurance in Buffalo

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It's an obvious conclusion that insurance companies want to prevent you from shopping around. Consumers who do rate comparisons are highly likely to buy a different policy because there is a significant possibility of finding more affordable rates. A survey found that consumers who compared prices regularly saved an average of $70 a month as compared to drivers who don't regularly compare prices.

If finding budget-friendly auto insurance is why you're here, learning how to shop for car insurance can make the process more efficient.

Discount Suzuki Kizashi insuranceThe most effective way to get more affordable auto insurance rates is to do a yearly price comparison from companies in Buffalo. Rates can be compared by following these steps.

  1. Take a few minutes and learn about what coverages are included in your policy and the factors you can control to prevent high rates. Many factors that result in higher prices such as careless driving and an unacceptable credit score can be remedied by making minor changes in your lifestyle. Read the full article for additional ideas to find cheap rates and earn a bigger discount.
  2. Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from a single company like GEICO and Allstate, while independent agencies can provide rate quotes from multiple sources.
  3. Compare the new quotes to the price on your current policy to see if a cheaper rate is available in Buffalo. If you can save some money and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Provide adequate notice to your current company to cancel the current policy and submit a down payment and signed policy application to your new insurance company. Once the paperwork is finalized, keep the new certificate of insurance with the vehicle registration.

A good tip to remember is that you'll want to make sure you compare the same level of coverage on each quote request and and to get rate quotes from every insurance company. This helps ensure a fair price comparison and a complete price analysis.

If you have coverage now or are just looking to switch companies, take advantage of these tips to reduce premiums without reducing coverage. Locating the best rates in Buffalo is actually very simple if you learn how to start. Drivers just have to use the most time-saving way to compare different rates from many companies at once.

Suzuki Kizashi Insurance Premium Factors

Many factors are used when quoting car insurance. Some are pretty understandable like an MVR report, but others are more obscure like where you live or your commute time. One of the most helpful ways to save on car insurance is to to have a grasp of the rating factors that aid in calculating your policy premiums. When you know what positively or negatively influences your rates, this helps enable you to make changes that could help you find lower premium levels.

The factors shown below are most of the major factors used by insurance companies to determine your rate level.

Increase physical damage deductibles to save - The deductibles you choose are the amount of money you are required to spend out-of-pocket if you file a covered claim. Insurance for physical damage, aka comp and collision, covers damage that occurs to your car. Examples of some claims that would be covered are colliding with a stationary object, animal collisions, or theft of your vehicle. The higher the amount the insured has to pay upfront, the bigger discount you will receive.

Men drivers tend to cost more - The statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Men and women are in at-fault accidents at a similar rate, but males have accidents that have higher claims. They also get ticketed for serious violations such as reckless driving.

The chart below illustrates the comparison of Suzuki Kizashi car insurance rates for male and female drivers. The premiums are based on no violations or claims, full coverage, $500 deductibles, marital status is single, and no policy discounts are applied.

See if your company offers a multi-policy discount - Some insurers will award a discount to clients who buy several policies from them such as combining an auto and homeowners policy. The discount can be ten or even up to twenty percent in some cases. If you currently are using one company, it's always a smart idea to compare Suzuki Kizashi rates in Buffalo to help ensure you have the lowest rates. It's possible to still find better rates even if you insure with multiple companies

More people means more accidents - Having an address in smaller towns and rural areas of the country is a positive aspect if you are looking for the lowest rates. Drivers in populated areas regularly have more aggressive driving styles and much longer commute distances. Fewer drivers means less chance of accidents.

Don't skimp on liability - The liability section of your policy kicks in when you are determined to be liable for damages caused by your negligence. This coverage provides legal defense up to the limits shown on your policy. Liability is cheap when compared to the cost of physical damage coverage, so buy as much as you can afford.

Cars with good safety ratings cost less to insure - Vehicles with good safety scores get lower rates. Vehicles built for safety result in less severe injuries and lower rates of occupant injuries means less money paid by your insurance company and cheaper rates on your policy.

Suzuki Kizashi insurance rates and statistics

The price information shown below showcases estimates of insurance rates for Suzuki Kizashi models. Being more informed about how insurance policy premiums are established can assist in making smart buying decisions.

Suzuki Kizashi Insurance Rates in Buffalo, NY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $142 $286 $300 $18 $90 $836 $70
Kizashi S AWD $162 $286 $300 $18 $90 $856 $71
Kizashi SE $162 $286 $300 $18 $90 $856 $71
Kizashi GTS $162 $338 $300 $18 $90 $908 $76
Kizashi SE AWD $162 $338 $300 $18 $90 $908 $76
Kizashi GTS AWD $162 $338 $300 $18 $90 $908 $76
Kizashi SLS $162 $338 $300 $18 $90 $908 $76
Kizashi SLS AWD $180 $338 $300 $18 $90 $926 $77
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Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Price information does not factor in specific location information which can affect price quotes substantially.

Higher deductibles save money

The hardest decision when buying coverage is how high should the physical damage coverage deductibles be. The rates below can help illustrate the price difference between low and high insurance deductibles. The first rate table uses a $250 deductible for physical damage and the second price table uses a $1,000 deductible.

Suzuki Kizashi insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $204 $344 $264 $16 $80 $933 $78
Kizashi S AWD $230 $344 $264 $16 $80 $959 $80
Kizashi SE $230 $344 $264 $16 $80 $959 $80
Kizashi GTS $230 $406 $264 $16 $80 $1,021 $85
Kizashi SE AWD $230 $406 $264 $16 $80 $1,021 $85
Kizashi GTS AWD $230 $406 $264 $16 $80 $1,021 $85
Kizashi SLS $230 $406 $264 $16 $80 $1,021 $85
Kizashi SLS AWD $258 $406 $264 $16 $80 $1,049 $87
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Suzuki Kizashi insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $126 $216 $264 $16 $80 $702 $59
Kizashi S AWD $142 $216 $264 $16 $80 $718 $60
Kizashi SE $142 $216 $264 $16 $80 $718 $60
Kizashi GTS $142 $256 $264 $16 $80 $758 $63
Kizashi SE AWD $142 $256 $264 $16 $80 $758 $63
Kizashi GTS AWD $142 $256 $264 $16 $80 $758 $63
Kizashi SLS $142 $256 $264 $16 $80 $758 $63
Kizashi SLS AWD $158 $256 $264 $16 $80 $774 $65
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Information does not factor in specific zip code location which can impact premiums significantly.

Using the premium rates above, we can conclude that using a $250 deductible costs roughly $21 more each month or $252 annually than buying the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 36 months between claim filings, you would probably come out ahead if you choose a higher deductible.

Calculate deductible break even point

Average monthly premium for $250 deductibles: $83
Average monthly premium for $1,000 deductibles (subtract): - $62
Monthly savings from raising deductible: $21
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $21
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 36 months

Irresponsible driving raises your rates

The diagram below demonstrates how citations and accidents impact Suzuki Kizashi insurance rates for different age categories. The premiums assume a single female driver, full coverage, $100 deductibles, and no discounts are applied.

Suzuki Kizashi full coverage rates compared to liability only

The chart below shows the difference between Suzuki Kizashi insurance prices with and without physical damage coverage. The information is based on a clean driving record, no claims, $250 deductibles, drivers are single, and no other discounts are factored in.

When to drop comp and collision

There isn't a steadfast formula to eliminate full coverage, but there is a general school of thought. If the annual cost of having full coverage is more than around 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

For example, let's assume your Suzuki Kizashi replacement cost is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $8,000 after the policy deductible has been paid. If you are currently paying more than $800 a year for full coverage, then it could be time to drop full coverage.

There are some situations where removing full coverage is not financially feasible. If you haven't satisfied your loan, you are required to maintain full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not eliminate full coverage.

Buffalo auto insurance discounts

Auto insurance companies don't always publicize all possible discounts very well, so here is a list both well-publicized and also the more inconspicuous savings tricks you should be using when you buy Buffalo car insurance online.Auto insurance discounts

  • Distant Student - Children who live away from home at college and leave their car at home may qualify for this discount.
  • Payment Method - By paying your entire bill at once rather than paying monthly you can avoid the installment charge.
  • Student Discount for Driver Training - Have your child take driver's ed class in high school.
  • Bundle and Save - If you combine your auto and homeowners policies with the same insurance company they may give you a discount of up to 20% and get you low cost Suzuki Kizashi insurance.
  • Lower Rates for Military - Being deployed in the military may qualify for rate reductions.

Discounts save money, but please remember that many deductions do not apply to the whole policy. Most only cut the price of certain insurance coverages like medical payments or collision. So when the math indicates you would end up receiving a 100% discount, you're out of luck.

The chart below shows the comparison of Suzuki Kizashi yearly insurance costs with and without discounts applied to the rates. The price estimates are based on a female driver, no claims or driving violations, New York state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, safe-driver, claim-free, multi-policy, and multi-car discounts applied.

A few of the larger companies and some of their more popular discounts are:

  • State Farm has savings for Drive Safe & Save, student away at school, defensive driving training, safe vehicle, and multiple policy.
  • GEICO policyholders can earn discounts including emergency military deployment, defensive driver, daytime running lights, military active duty, anti-theft, multi-vehicle, and federal employee.
  • Progressive offers premium reductions for multi-policy, good student, online quote discount, online signing, continuous coverage, and homeowner.
  • 21st Century may offer discounts for automatic seat belts, air bags, student driver, good student, teen driver, and driver training.
  • American Family discounts include early bird, good student, defensive driver, accident-free, bundled insurance, multi-vehicle, and Steer into Savings.
  • The Hartford may include discounts for defensive driver, anti-theft, air bag, good student, and driver training.
  • AAA includes discounts for good student, multi-policy, good driver, pay-in-full, multi-car, AAA membership discount, and education and occupation.

When quoting, ask every insurance company the best way to save money. Savings might not be offered in your area. If you would like to view insurance companies offering auto insurance discounts in Buffalo, click here.

Car insurance savings summarized

Some companies may not offer online quoting and these small insurance companies sell through independent agents. Budget-friendly car insurance in Buffalo is definitely available on the web in addition to local insurance agencies, and you need to price shop both to get a complete price analysis.

As you quote Buffalo car insurance, you should never skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time they didn't have enough coverage. The proper strategy is to buy enough coverage at the best price, not the least amount of coverage.

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