Compare Suzuki Kizashi Insurance Quotes in Colorado Springs

It goes without saying that auto insurance companies don’t want their customers to go rate shopping. Insureds who shop around are very likely to switch to a new company because of the high probability of finding discount prices. A recent study showed that consumers who regularly shopped around saved as much as $3,450 over four years compared to those who never shopped around for lower prices.

If finding the most affordable Suzuki Kizashi insurance in Colorado Springs is the reason you’re here, then learning about the best ways to shop for car insurance can help you succeed in saving money.

If you want to save the most money, the best way to find lower priced Suzuki Kizashi insurance in Colorado Springs is to regularly compare prices from providers who provide car insurance in Colorado.

1. Try to learn about the different coverages in a policy and the modifications you can make to keep rates low. Many factors that cause rate increases like inattentive driving and a not-so-good credit history can be amended by improving your driving habits or financial responsibility.
2. Compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO or Farmers Insurance, while independent agents can provide prices from multiple companies. Begin your rate comparison
3. Compare the quotes to your current policy and determine if there is any savings. If you find a better price, make sure there is no lapse between the expiration of your current policy and the new one.
4. Give notification to your current company of your intent to cancel your current policy. Submit a completed application and payment for your new policy. Once received, place the new certificate verifying coverage in a readily accessible location in your vehicle.

The most important part of this process is that you’ll want to compare similar limits and deductibles on every quote and to quote with all possible companies. Doing this helps ensure an apples-to-apples comparison and the best price selection.

The are a couple different ways of comparing price quotes from auto insurance companies in your area. The easiest way to do a complete rate comparison is to jump online and get quotes.

Keep in mind that comparing more prices helps increase your odds of locating the best rates.

The providers in the list below provide comparison quotes in Colorado Springs, CO. To locate cheap auto insurance in Colorado Springs, we recommend you get prices from several of them to get the most affordable price.

Premium rates and analysis

The table displayed next showcases detailed analysis of insurance coverage prices for Suzuki Kizashi models. Having a good understanding how insurance policy rates are figured is important for drivers to make informed decisions when shopping around for a new policy.

Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rates do not factor in zip code location which can raise or lower premium rates greatly.

Comparison of policy deductibles

The hardest decision when buying coverage is where to set your physical damage deductibles. The rates shown below outline the costs and benefits when you choose different policy deductibles. The first table uses a $250 deductible for comp and collision and the second rate chart uses a $500 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Information does not factor in specific location which can revise coverage rates considerably.

Using the premium rates above, we can conclude that using a $250 deductible would cost the average driver about $15 more each month or $180 every year averaged for all Kizashi models than opting for the higher $500 deductible. Since the policyholder would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you average at a minimum 17 months between claim filings, you would probably save some money by going with a higher deductible. The numbers below show an example of how you can decide this on your own policy.

One important caveat is that a higher deductible level means you pay more out-of-pocket when you have a physical damage claim. That will necessitate some money saved in order to pay the higher deductible in order to repair your vehicle.

Insurance rates based on gender

The chart below shows the difference between Suzuki Kizashi annual premium costs for male and female drivers. The price estimates are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, drivers are single, and no discounts are applied.

Full coverage versus liability only rates

The chart below illustrates the comparison of Suzuki Kizashi yearly insurance costs with full physical damage coverage and with liability coverage only. The rates are based on no claims, a clean driving record, $100 deductibles, single marital status, and no discounts are applied.

Guidelines for dropping full coverage

There is no exact rule of when to phase out physical damage coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is more than around 10% of replacement cost minus your deductible, then you might consider buying liability only.

For example, let’s assume your Suzuki Kizashi settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $6,000 after paying the physical damage deductible. If premiums are more than $600 a year for full coverage, then you might want to consider buying only liability coverage.

There are a few situations where eliminating full coverage is not in your best interest. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.

Why you need car insurance

Despite the high cost of buying insurance for a Suzuki Kizashi in Colorado Springs, paying for car insurance serves several important purposes.

• Just about all states have mandatory insurance requirements which means the state requires specific limits of liability insurance coverage if you drive a vehicle. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
• If you bought your Suzuki Kizashi with a loan, it’s guaranteed your bank will make it a condition of the loan that you buy full coverage to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Suzuki for a much higher rate and require you to pay for it.
• Insurance safeguards not only your Suzuki but also your assets. It will also pay for medical bills that are the result of an accident. Liability insurance also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.

The benefits of buying car insurance outweigh the cost, particularly for liability claims. Today the average American driver overpays as much as $865 each year so it’s very important to do a rate comparison at every renewal to help ensure money is not being wasted.

Do you qualify for discounts on Suzuki Kizashi insurance in Colorado Springs?

Some insurers don’t necessarily list the complete list of policy discounts very well, so the below list has some of the more common and also the lesser-known discounts that may be available.

• Theft Deterrent Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen with less frequency and can earn a small discount on your policy.
• No Claim Discounts – Insureds who avoid accidents and claims have much lower rates as compared to drivers with a long claim history.
• ABS and Traction Control Discounts – Anti-lock brake equipped vehicles are much safer to drive and therefore earn up to a 10% discount.
• Senior Citizens – Mature drivers may qualify for reduced rates.
• Telematics Data Discounts – Drivers that enable their company to scrutinize driving manner by using a telematic data system like Allstate’s Drivewise might see lower rates if they are good drivers.
• Discount for Swiching Early – A few auto insurance companies give discounts for buying a new policy before your current coverage expires. You can save around 10% with this discount.
• Student in College – Kids who live away from home to go to college without a vehicle on campus may qualify for this discount.
• Safety Restraint Discount – Requiring all passengers to use a seat belt can save a little on medical payment and PIP coverage.
• Drive Less and Save – Keeping the miles down on your Suzuki could qualify for lower auto insurance rates on the low mileage vehicles.
• Life Insurance – If the company offers life insurance, you could get a break if you buy life insurance.

Discounts save money, but please remember that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

The example below illustrates the difference between Suzuki Kizashi insurance prices with and without discounts being applied to the rates. The rates are based on a female driver, no claims, a clean driving record, Colorado state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, homeowner, multi-car, marriage, and claim-free discounts applied.

Large auto insurance companies and the discounts they provide are detailed below.

• GEICO offers premium reductions for emergency military deployment, multi-policy, five-year accident-free, federal employee, and seat belt use.
• MetLife offers discounts including accident-free, claim-free, good student, defensive driver, and good driver.
• Progressive discounts include online quote discount, multi-vehicle, good student, online signing, continuous coverage, and homeowner.
• Travelers offers discounts for hybrid/electric vehicle, driver training, payment discounts, student away at school, and new car.
• SAFECO may have discounts that include bundle discounts, anti-theft, teen safe driver, safe driver, and teen safety rewards.
• AAA may include discounts for anti-theft, pay-in-full, multi-car, multi-policy, good student, education and occupation, and good driver.

If you need lower rates, check with each company or agent how many discounts you can get. Depending on the company, some discounts may not apply to policyholders in Colorado Springs. To see a list of companies offering auto insurance discounts in Colorado, click here to view.

Compare rates but buy from a neighborhood Colorado Springs auto insurance agent

Some people just prefer to buy from a licensed agent and doing so can bring peace of mind One of the best bonuses of getting free rate quotes online is the fact that you can find better rates and still buy from a local agent. Buying from neighborhood insurance agencies is important especially in Colorado Springs.

To help locate an agent, after submitting this short form, the coverage information is sent to companies in Colorado Springs who will give competitive quotes for your insurance coverage. You never need to even leave your home because quoted prices will be sent immediately to you. You’ll get the best rates AND a local agent. In the event you want to get a rate quote from a specific insurance company, you would need to search and find their rate quote page to submit a rate quote request.

Finding the right insurance company requires more thought than just a cheap price quote. A good agent in Colorado Springs will have answers to these questions.

• Do you need full coverage on every vehicle?
• Is assistance available after office hours?
• Do the coverages you’re quoting properly cover your vehicle?
• Which family members are covered?
• How often do they review coverages?
• Is their price quote a firm figure or are their hidden costs?
• Can glass repairs be made at your home?

Colorado Springs car insurance companies

Finding the best insurance provider is difficult considering how many choices drivers have in Colorado. The ranking data listed below could help you analyze which auto insurance companies to look at when shopping around.

Top 10 Colorado Springs Car Insurance Companies Overall

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. The General
8. Titan Insurance
9. Progressive
10. Mercury Insurance

Insurance is unique, just like you

When quoting and choosing proper insurance coverage for your vehicles, there really isn’t a one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining whether you may require specific advice.

• Is motorclub coverage worth it?
• Is a blown tire covered by insurance?
• Do I pay less if my vehicle is kept in my garage?
• Do they offer discounts for home and auto coverage?
• Is my ex-spouse still covered by my policy?
• Am I covered if I hit a deer?
• What does PIP insurance cover?
• How much liability insurance is required?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form.

Coverages available on your policy

Learning about specific coverages of insurance aids in choosing the right coverages for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Liability coverages

Liability coverage can cover damage or injury you incur to other’s property or people that is your fault. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/15 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $15,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as medical expenses, repair costs for stationary objects, repair bills for other people’s vehicles, structural damage and court costs. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible. Colorado state minimum liability requirements are 25/50/15 but you should think about purchasing better liability coverage.

The illustration below shows why buying low liability limits may not be enough coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your Suzuki Kizashi.

Since a lot of drivers only purchase the least amount of liability that is required (which is 25/50/15), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these limits are set the same as your liability limits.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like vandalism, damage from flooding, fire damage, a tree branch falling on your vehicle and hitting a bird. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as rehabilitation expenses, EMT expenses, prosthetic devices and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Coverage for collisions

Collision insurance will pay to fix damage to your Kizashi resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like hitting a parking meter, damaging your car on a curb, sideswiping another vehicle, scraping a guard rail and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible on your Kizashi to get cheaper collision coverage.

Don’t give up on cheap premiums

Throughout this article, we presented many tips how you can find affordable Suzuki Kizashi insurance in Colorado Springs. The key thing to remember is the more providers you compare, the higher the chance of saving money. Drivers may even discover the best premium rates are with a small mutual company.

More affordable car insurance in Colorado Springs can be sourced on the web as well as from insurance agents, so you should compare both to get a complete price analysis. There are still a few companies who do not offer online price quotes and these regional insurance providers sell through independent agencies.

As you restructure your insurance plan, never buy poor coverage just to save money. There have been many situations where someone dropped collision coverage and learned later that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage at the lowest possible cost, but do not skimp to save money.

More information can be found below:

• What is Full Coverage? (Allstate)
• How Much are Car Insurance Rates for a Toyota Highlander in Colorado Springs? (FAQ)
• Liability Insurance Coverage (Nationwide)
• Auto Crash Statistics (Insurance Information Institute)