Smart shoppers know that insurance companies don’t want customers comparing rates. Insureds who shop around annually will presumably buy a different policy because there is a good probability of finding more affordable rates. A study discovered that drivers who did price comparisons regularly saved $865 a year as compared to drivers who don’t regularly compare prices.
If finding budget-friendly rates on insurance in Orlando is your objective, then having a good understanding the best way to compare car insurance can help you succeed in finding affordable rates.
The best way we recommend to get affordable Suzuki Kizashi insurance is to do a yearly price comparison from insurance carriers who provide auto insurance in Orlando. You can compare prices by following these guidelines.
First, try to understand how companies price auto insurance and the things you can change to keep rates low. Many rating criteria that drive up the price like inattentive driving and a less-than-favorable credit rating can be eliminated by being financially responsible and driving safely. Keep reading for more ideas to help keep rates affordable and find discounts that you may qualify for.
Second, compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like GEICO or Farmers Insurance, while independent agents can quote prices from multiple companies.
Third, compare the new rate quotes to your current policy and determine if cheaper Kizashi coverage is available. If you find a lower rate quote, make sure there is no lapse in coverage.
A good tip to remember is that you’ll want to make sure you compare the same amount of coverage on every quote request and and to get price estimates from all possible companies. Doing this enables a fair rate comparison and the most accurate and complete price analysis.
How to buy Suzuki Kizashi insurance online
The following companies have been selected to offer free rate quotes in Orlando, FL. If you wish to find the cheapest car insurance in Florida, we suggest you visit several of them to get the best price comparison.
Premium rates and analysis
The information displayed below outlines detailed analysis of insurance prices for Suzuki Kizashi models. Having a good understanding how insurance prices are determined is important to be able to make smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Kizashi S | $358 | $668 | $564 | $34 | $168 | $1,792 | $149 |
| Kizashi S AWD | $404 | $668 | $564 | $34 | $168 | $1,838 | $153 |
| Kizashi SE | $404 | $668 | $564 | $34 | $168 | $1,838 | $153 |
| Kizashi GTS | $404 | $788 | $564 | $34 | $168 | $1,958 | $163 |
| Kizashi SE AWD | $404 | $788 | $564 | $34 | $168 | $1,958 | $163 |
| Kizashi GTS AWD | $404 | $788 | $564 | $34 | $168 | $1,958 | $163 |
| Kizashi SLS | $404 | $788 | $564 | $34 | $168 | $1,958 | $163 |
| Kizashi SLS AWD | $450 | $788 | $564 | $34 | $168 | $2,004 | $167 |
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Table data does not factor in vehicle garaging location which can decrease or increase rates noticeably.
Insurance premiums for males and females
The example below visualizes the comparison of Suzuki Kizashi annual premium costs for male and female drivers. The rates are based on no violations or claims, comp and collision included, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.
Cost comparison with and without full coverage
The illustration below illustrates the difference between Suzuki Kizashi car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Florida. The price estimates are based on no claims or driving citations, $250 deductibles, single status, and no discounts are taken into consideration.
When to drop full coverage
There is no definitive guideline of when to phase out full coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.
For example, let’s say your Suzuki Kizashi replacement value is $8,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $7,000 after the policy deductible has been paid. If premiums are more than $700 annually to have full coverage, then you might want to think about dropping full coverage.
There are some cases where buying only liability insurance is not financially feasible. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage.
Smart Choices Result in Lower Insurance Rates
The best way to find cheaper auto insurance is to take a look at some of the elements that come into play when calculating the rates you pay for auto insurance. If you have some idea of what determines premiums, this enables informed choices that will entitle you to lower premium levels. Many things are part of the equation when you get a price on insurance. Most are fairly basic such as your driving history, but others are more obscure such as your credit history or your commute time.
The following are a few of the “ingredients” used by companies to determine your rate level.
Extra policy coverages can waste money – There are quite a few add-on coverages that you can buy if you aren’t diligent. Insurance for roadside assistance, towing, and term life insurance may be costing you every month. These may sound like a good investment when deciding what coverages you need, but if you don’t need them consider taking them off your policy.
Married drivers pay lower rates – Your spouse helps lower the price compared to being single. Having a spouse translates into being more mature than a single person and it’s statistically proven that being married results in fewer claims.
Stay claim-free and reduce rates – If you tend to file frequent claims, don’t be surprised to see either policy cancellation or increased premiums. Car insurance companies in Florida provide better rates to people who are claim-free. Auto insurance is meant to be used in the event of more catastrophic claims.
Lower rates with no policy lapses – Driving without insurance coverage in place is illegal and you may have a hard time finding new coverage because you let your insurance coverage expire. Not only will you pay more, failure to provide proof of insurance can result in fines and jail time. You may then be required to prove you have insurance by filing a SR-22 with the Florida motor vehicle department to get your license reinstated.
Mature drivers are lower risk – More mature drivers are more cautious drivers, cause fewer claims and accidents, and are safer drivers. Teenage drivers are statistically shown to be easily distracted when behind the wheel so they pay higher auto insurance rates.
The data below assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.
Liability is cheap – Liability coverage provides coverage if you are found liable for an accident. It provides for a legal defense which can be incredibly expensive. This coverage is very inexpensive compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
Insuring your Suzuki vehicle just makes sense
Despite the potentially high cost of Suzuki Kizashi insurance, paying for auto insurance serves an important purpose.
- Almost all states have mandatory liability insurance requirements which means you are required to carry specific minimum amounts of liability protection if you drive a vehicle. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Kizashi has a loan, most lenders will require that you have comprehensive coverage to guarantee payment of the loan. If the policy lapses, the lender will be forced to insure your Suzuki at an extremely high rate and force you to pay a much higher amount than you were paying before.
- Insurance protects both your Suzuki and your assets. It also can pay for most medical and hospital costs for not only you but also any passengers injured in an accident. Liability insurance also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, your auto insurance policy will cover the damage repairs after a deductible is paid.
The benefits of having insurance definitely exceed the cost, especially with large liability claims. The average driver in Florida is currently overpaying as much as $855 a year so you should quote and compare rates at every policy renewal to be sure current rates are still competitive.
How to find a good Florida car insurance company
Insuring your vehicle with a highly-rated car insurance provider is hard considering how many companies are available to choose from in Florida. The rank data in the next section could help you choose which auto insurance companies you want to consider shopping your coverage with.
Top 10 Orlando Car Insurance Companies by A.M. Best Rank
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Top 10 Orlando Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General