Suzuki Kizashi Insurance Rates in Los Angeles

How many times have you said it’s time to compare low-cost Suzuki Kizashi insurance in Los Angeles? I really doubt anyone rejoices having to buy insurance, especially when they are aware that they are paying too much.

It’s hard to believe, but most insurance customers renewed their policy with the same company for at least four years, and almost half have never even compared rates from other companies. Most drivers in California could save 35% each year by just comparing quotes, but they just don’t understand the amount of savings they would get if they bought a different policy. You have so many auto insurance companies to pick from, and even though it’s nice to have a selection, more options can take longer to find a good deal for Suzuki Kizashi insurance in Los Angeles.

Finding a lower price on insurance is pretty simple and can save money. The only requirement is to spend a few minutes on the computer comparing free Los Angeles car insurance quotes provided by online insurance companies.

Comparison shopping quotes online is easy and it makes it obsolete to waste gas driving to local Los Angeles insurance agencies. The fact that you can get quotes online makes this unnecessary unless you want the extra assistance that only an agent can give. Drivers can comparison shop online and have a local agent actually service the policy.

The following companies offer price comparisons in Los Angeles, CA. If multiple companies are listed, we suggest you visit two to three different companies in order to get a fair rate comparison.

Insurance coverage details

The rate table displayed below highlights estimates of policy rates for Suzuki Kizashi models. Having a good understanding how insurance premiums are calculated can benefit drivers when making smart choices when comparing insurance rates.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Information does not factor in garaging location in Los Angeles which can change insurance rates considerably.

Physical damage deductible comparison

One of the hardest decisions when shopping for car insurance is which comprehensive and collision deductibles to buy. The data tables below can help illustrate the differences in price when you choose different physical damage deductibles. The first set of prices uses a $100 physical damage coverage deductible and the second rate table uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Estimates do not factor in Los Angeles location which can modify coverage rates greatly.

Using the premium rates above, we can conclude that using a $100 deductible costs approximately $48 more each month or $576 each year averaged for all Kizashi models than buying the higher $1,000 deductible. Because you would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at a minimum 19 months between claims, you would come out ahead going with the higher deductible.

Should you buy full coverage?

The chart below illustrates the comparison of Suzuki Kizashi yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The prices are based on no claims or driving citations, $250 deductibles, single marital status, and no discounts are taken into consideration.

When to drop comp and collision

There is no set rule to eliminate physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let’s assume your Suzuki Kizashi settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $5,000 after you pay the deductible. If it’s costing you more than $500 a year for physical damage coverage, then it may be the right time to buy liability only.

There are some cases where only buying liability is not a good idea. If you have an outstanding loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should keep full coverage.

Lower-cost Los Angeles car insurance rates with discounts

Some providers don’t list every policy discount in an easy-to-find place, so the list below gives a summary of both well-publicized as well as the least known discounts that you may qualify for.

• Anti-lock Brake System – Cars that have anti-lock braking systems have fewer accidents and therefore earn up to a 10% discount.
• Low Miles Discount – Low annual miles could be rewarded with lower rates on the low mileage vehicles.
• Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school or through a local driver safety program.
• Discounts for Multiple Vehicles – Buying insurance for multiple cars or trucks with the same company can get a discount on all vehicles.
• No Claims – Insureds with no claims or accidents pay much less in comparison with accident-prone drivers.

It’s important to note that most of the big mark downs will not be given to the entire policy premium. Most only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, companies don’t profit that way.

The example below illustrates the difference between Suzuki Kizashi car insurance costs with and without discounts applied to the policy premium. The costs are based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, claim-free, homeowner, multi-car, and safe-driver discounts applied.

If you would like to see a list of insurance companies who offer cheap Suzuki Kizashi insurance quotes in Los Angeles in California, click here.

Why do I need car insurance?

Despite the fact that auto insurance is not cheap in Los Angeles, insurance may be required and benefits you in several ways.

• Almost all states have minimum mandated liability insurance limits which means you are required to buy a specific minimum amount of liability protection in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you have a loan on your Suzuki, more than likely the lender will require you to carry insurance to guarantee payment of the loan. If you let the policy lapse, the bank may insure your Suzuki at a much higher premium rate and make you pay for it.
• Auto insurance preserves not only your Suzuki Kizashi but also your financial assets. It will also reimburse you for hospital and medical expenses that are the result of an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney in the event you are sued. If damage is caused by hail or an accident, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.

The benefits of carrying adequate insurance are definitely more than the cost, especially if you ever need it. An average driver in America is overpaying over $820 a year so compare rate quotes at every policy renewal to help ensure money is not being wasted.

Insurance can get complicated

When it comes to choosing coverage online or from an agent, there is no best way to insure your cars. Each situation is unique.

Here are some questions about coverages that may help you determine whether your personal situation might need professional guidance.

• How much will a speeding ticket raise my rates?
• Should I buy only the required California minimum liability coverage?
• Am I getting all the discounts available?
• What does medical payments coverage do?
• Can I use my car for my catering business?
• Does coverage extend to Mexico or Canada?
• What is the premium to book value ratio for dropping full coverage?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and can help protect your family.

Buying insurance from Los Angeles insurance agents

Many people would rather get professional advice from a licensed agent and that is a smart decision Professional insurance agents can point out coverage gaps and help file insurance claims. The best thing about comparing rates online is that you can obtain cheaper prices and still have a local agent. And buying from local insurance agencies is definitely important in Los Angeles.

For easy comparison, once you complete this short form, your insurance coverage information is immediately sent to agents in your area that can give you free Los Angeles car insurance quotes to get your business. It makes it easy because there is no need to search for an agent as quotes are delivered immediately to you. If you need to get a rate quote from a specific insurance provider, you just need to search and find their rate quote page to submit a rate quote request.

Compare rates from both independent and exclusive car insurance agents

If you want a reliable agent, there are a couple of types of insurance agents and how they are distinctly different. Insurance agents can be described as either exclusive or independent. Either one can provide insurance policies, but it is a good idea to know the difference in how they write coverage because it may have an impact on the selection process.

Independent Insurance Agents

Independent insurance agents do not have single company limitations and that enables them to quote your coverage amongst many companies and possibly get better coverage at lower prices. If your premiums go up, an independent agent can move your coverage and you don’t have to switch agencies. When comparing insurance prices, it’s recommended you include price quotes from several independent agencies to have the best price comparison.

The following is a short list of independent insurance agents in Los Angeles that may be able to provide price quote information.

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Exclusive Insurance Agencies

These type of agents can only provide pricing for a single company and examples are Allstate and State Farm. These agents are not able to compare other company’s rates so always compare other rates. These agents are well schooled on what they offer which helps them sell on service rather than price.

Shown below are exclusive agents in Los Angeles that are able to give price quote information.

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Finding the right auto insurance agent requires you to look at more than just a cheap price. Before buying a policy in Los Angeles, get answers to these questions.

• Can you get a list of referrals?
• Do they offer accident forgiveness?
• Is coverage determined by price?
• Do they have any clout with companies to ensure a fair claim settlement?
• Can glass repairs be made at your home?
• When do they do policy reviews?
• What is their Better Business Bureau rating?

If you receive reasonable responses to all your questions and an affordable coverage quote, chances are good that you have found a car insurance agent that can be relied on to adequately provide insurance. Just be aware that you can cancel coverage when you choose so don’t think that you’re stuck with any specific company for the full policy term.