Affordable Insurance for a Suzuki Kizashi in Plano

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Discount Suzuki Kizashi insuranceIt goes without saying that auto insurance companies want to keep you from shopping around. Consumers who rate shop once a year will most likely buy a new policy because there is a significant possibility of finding a more affordable policy premium. A recent study showed that consumers who compared prices once a year saved approximately $850 each year compared to those who never shopped around.

If finding low prices for Suzuki Kizashi insurance is your ultimate goal, then understanding the best ways to shop for car insurance can help you be more efficient.

If your goal is the lowest price, then the best way to find affordable quotes for Suzuki Kizashi insurance in Plano is to start comparing prices yearly from companies who sell insurance in Texas. You can compare rates by following these guidelines.

  • First, try to learn a little about how car insurance works and the things you can control to keep rates low. Many factors that cause high rates like at-fault accidents and a negative credit rating can be remedied by making minor changes to your lifestyle.
  • Second, quote rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like GEICO and State Farm, while agents who are independent can provide prices for many different companies.
  • Third, compare the quotes to your existing policy and see if you can save money. If you find a lower rate quote and buy the policy, make sure coverage does not lapse between policies.
  • Fourth, tell your current agent or company to cancel your current coverage. Submit a down payment and signed policy application for the new coverage. As soon as you can, put the proof of insurance paperwork with your registration paperwork.

A crucial key to this process is that you'll want to compare the same amount of coverage on every price quote and and to get price estimates from as many different insurance providers as possible. This helps ensure a fair rate comparison and a good representation of prices.

Locating the most cost-effective car insurance policy in Plano is much easier if you know where to start. Just about every car owner who buys car insurance most likely will be able to find lower rates. Nevertheless, Texas consumers can benefit from knowing how insurance companies determine prices.

Auto insurance policy discounts for Suzuki Kizashi insurance in Plano

Auto insurance is not an enjoyable expense, but you might be missing out on some discounts to help offset the cost. Many discounts should be triggered when you get a quote, but a few need to be requested specifically before being credited.Discount auto insurance

  • Discounts for Federal Employees - Having worked for a branch of the government could cut as much as 10% off with a few auto insurance companies.
  • Discount for Life Insurance - Larger companies have a discount if you purchase life insurance.
  • Homeowners Savings - Simply owning a home can get you a discount because maintaining a house demonstrates responsibility.
  • Discounts for New Vehicles - Buying a new car instead of a used Kizashi can save up to 30% because new model year vehicles keep occupants safer.
  • Low Mileage Discounts - Driving fewer miles can earn substantially lower auto insurance rates.
  • No Claim Discounts - Insureds with no claims or accidents have much lower rates when compared with drivers with a long claim history.
  • Discounts for Seat Belt Usage - Drivers who require all vehicle occupants to buckle up may be able to save a few bucks off PIP or medical payments premium.
  • Renewal Discounts - Select companies give a discount for signing up early. It's a savings of about 10%.
  • Mature Driver Discount - Drivers over the age of 55 can possibly qualify for better auto insurance rates.

Remember that most credits do not apply to the entire policy premium. A few only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like it's possible to get free car insurance, companies wouldn't make money that way.

The illustration below illustrates the difference between Suzuki Kizashi insurance prices with and without discounts applied to the rates. Data assumes a female driver, no accidents, no driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, claim-free, homeowner, multi-policy, and multi-car discounts applied.

A partial list of companies who might offer these benefits may include but are not limited to:

When comparing rates, check with all the companies how many discounts you can get. Depending on the company, some discounts might not be offered in your state. To locate insurance companies who offer free Suzuki Kizashi insurance quotes in Texas, click here to view.

To get affordable Plano car insurance quotes, there a variety of ways of comparing rate quotes from different Plano insurance companies. The best way to find competitive Suzuki Kizashi insurance rates involves getting comparison quotes online.

When comparison shopping, comparing a wide range of rates gives you a better chance of getting the best price. Not every company allows you to get online Plano Kizashi insurance quotes, so you need to compare price estimates from them, too.

The companies shown below have been selected to offer price comparisons in Texas. To get the cheapest auto insurance in TX, we recommend you visit several of them to get the best price comparison.

Rates and detailed analysis

The data table below highlights different insurance costs for Suzuki Kizashi models. Understanding more about how auto insurance prices are established can be valuable when making decisions when shopping around.

Suzuki Kizashi Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $282 $560 $496 $30 $148 $1,516 $126
Kizashi S AWD $318 $560 $496 $30 $148 $1,552 $129
Kizashi SE $318 $560 $496 $30 $148 $1,552 $129
Kizashi GTS $318 $660 $496 $30 $148 $1,652 $138
Kizashi SE AWD $318 $660 $496 $30 $148 $1,652 $138
Kizashi GTS AWD $318 $660 $496 $30 $148 $1,652 $138
Kizashi SLS $318 $660 $496 $30 $148 $1,652 $138
Kizashi SLS AWD $356 $660 $496 $30 $148 $1,690 $141
Get Your Own Custom Quote Go

Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Information does not factor in vehicle location which can decrease or increase rates greatly.

Deductible comparison

One common question asked by Plano drivers is which deductibles should you choose. The tables below highlight the costs and benefits of buying low and high physical damage deductibles. The first pricing table uses a $250 physical damage deductible and the second rate table uses a $500 deductible.

Suzuki Kizashi insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $294 $496 $382 $22 $114 $1,333 $111
Kizashi S AWD $332 $496 $382 $22 $114 $1,371 $114
Kizashi SE $332 $496 $382 $22 $114 $1,371 $114
Kizashi GTS $332 $584 $382 $22 $114 $1,459 $122
Kizashi SE AWD $332 $584 $382 $22 $114 $1,459 $122
Kizashi GTS AWD $332 $584 $382 $22 $114 $1,459 $122
Kizashi SLS $332 $584 $382 $22 $114 $1,459 $122
Kizashi SLS AWD $370 $584 $382 $22 $114 $1,497 $125
Get Your Own Custom Quote Go
Suzuki Kizashi insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $240 $400 $382 $22 $114 $1,158 $97
Kizashi S AWD $270 $400 $382 $22 $114 $1,188 $99
Kizashi SE $270 $400 $382 $22 $114 $1,188 $99
Kizashi GTS $270 $472 $382 $22 $114 $1,260 $105
Kizashi SE AWD $270 $472 $382 $22 $114 $1,260 $105
Kizashi GTS AWD $270 $472 $382 $22 $114 $1,260 $105
Kizashi SLS $270 $472 $382 $22 $114 $1,260 $105
Kizashi SLS AWD $300 $472 $382 $22 $114 $1,290 $108
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Premium costs do not factor in the specific area where the vehicle is garaged which can modify insurance rates substantially.

Using the premium rates above, we can conclude that using a $250 deductible will cost you roughly $16 more each month or $192 annually across all Suzuki Kizashi models than choosing the higher $500 deductible. Since you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 16 months between claims, you would more than likely save some money going with the higher deductible.

The information below demonstrates how deductibles and can influence Suzuki Kizashi yearly insurance costs for each different age category. The premium estimates are based on a married female driver, full physical damage coverage, and no discounts are applied.

Poor driving habits will raise your car insurance rates

The example below illustrates how speeding tickets and accidents can drive up Suzuki Kizashi insurance costs for each age group. Data assumes a single male driver, comp and collision included, $100 deductibles, and no policy discounts are applied.

Local neighborhood agents and car insurance

Some consumers still prefer to sit down and talk to an agent and we recommend doing that The best thing about comparing insurance prices online is the fact that drivers can get better rates but also keep your business local.

Insurance agency in PlanoUpon completion of this short form, your insurance data is emailed to local insurance agents in Plano that can provide free Plano car insurance quotes for your insurance coverage. It simplifies rate comparisons since you won't have to contact any insurance agencies since price quotes are sent instantly to you. It's the lowest rates without the usual hassles of price shopping. If you wish to get a comparison quote from one company in particular, you just need to navigate to their website and complete a quote there.

Finding a good provider requires more thought than just a cheap quote. A good agent in Plano will have answers to these questions.

  • Does the agency have a good rating with the Better Business Bureau?
  • How many years of experience in personal auto insurance do they have?
  • Who is covered by the car insurance policy?
  • Do they specialize in personal lines auto insurance in Plano?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Can glass repairs be made at your home?
  • If you raise deductibles, how much can you save?
  • If they are an independent agency in Plano, which companies do they recommend?

Choose the right auto insurance agent

When researching a local insurance agency, you should know the different types of agencies and how they can quote your rates. Car insurance agencies can either be exclusive agents or independent agents.

Exclusive Insurance Agencies

Exclusive insurance agents normally can only provide a single company's rates such as Allstate, Farmers Insurance or State Farm. They are unable to give you multiple price quotes so always compare other rates. Exclusive agents are well trained in insurance sales and that allows them to sell at a higher price point. Consumers often purchase coverage from exclusives partially due to loyalty to the company instead of buying on price only.

Shown below are exclusive agencies in Plano who can help you get price quotes.

View more Plano agents

Independent Agents (or Brokers)

Independent insurance agents do not work for one specific company and that is an advantage because they can write policies with an assortment of companies enabling the ability to shop coverage around. If prices rise, they can switch companies in-house and you don't have to do anything. If you are trying to find cheaper rates, you need to check rates from independent agents to have the best price comparison. Most independent agents also contract with small regional insurance companies that many times have cheaper rates.

The following are Plano independent agents that can give you comparison quotes.

View more Plano agents

The most affordable rates come from being thorough

We just showed you a lot of techniques to get a better price on Suzuki Kizashi insurance in Plano. The key concept to understand is the more companies you get premium rates for, the better chance you'll have of finding the cheapest Suzuki Kizashi rate quotes. Consumers could even find that the most savings is with some of the lesser-known companies.

Drivers who switch companies do it for any number of reasons including high rates after DUI convictions, not issuing a premium refund, questionable increases in premium or policy non-renewal. Regardless of your reason, switching auto insurance companies can be easy and end up saving you some money.

Lower-priced auto insurance in Plano can be sourced on the web in addition to local insurance agencies, so you should compare both in order to have the best price selection to choose from. There are still a few companies who may not have price quotes online and usually these smaller companies work with independent agencies.

Additional learning opportunities