Save on Suzuki Kizashi Insurance in Denver

Would you like to stop overpaying and find more competitive Suzuki Kizashi insurance in Denver? Locating low-cost insurance for a Suzuki Kizashi in Colorado can normally be a lot of work, but you can learn these tips to save time. There are more efficient ways to find car insurance online so you’re going to learn the best way to compare rates for a Suzuki and obtain the lowest price from both online companies and Denver agents.

If you have a current insurance policy or need a new policy, you can use these tips to reduce the price you pay without sacrificing coverage. Finding and comparing affordable insurance coverage in Denver can be fairly easy. Drivers just have to learn the best way to compare insurance rates on the web.

The providers in the list below are ready to provide free rate quotes in Denver, CO. If multiple companies are shown, we recommend you compare several of them in order to find the cheapest rates.

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Premium costs do not factor in garaging location in Denver which can alter coverage rates noticeably.

Comparison of policy deductibles

One of the more difficult decisions when buying car insurance is where to set your physical damage deductibles. The rates shown below approximate the rate fluctuation between high and low deductibles. The first data set uses a $100 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.

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. Prices do not factor in specific garaging location which can alter coverage prices greatly.

Based on these figures, using a $100 deductible costs approximately $38 more each month or $456 every year than opting for the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have more than 24 months between claims, you would most likely save money if you decide on a higher deductible.

One important note is that a higher deductible results in having to pay to pay more out-of-pocket at claim time. You need to make sure you have enough money stashed away in order to pay the higher deductible.

Car insurance premiums by gender

The diagram below illustrates the difference between Suzuki Kizashi insurance rates for male and female drivers. The premium estimates are based on a clean driving record, no claims, full physical damage coverage, $100 deductibles, marital status is single, and no policy discounts are applied.

Responsible drivers pay cheaper Denver car insurance rates

The chart below highlights how traffic violations and at-fault fender-benders influence Suzuki Kizashi insurance prices for different ages of insureds. The price estimates are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

Why you need Suzuki vehicle insurance in Colorado

Despite the high cost, car insurance is not optional due to several reasons.

• The majority of states have minimum mandated liability insurance limits which means state laws require specific minimum amounts of liability coverage in order to license the 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, most banks will require that you have full coverage to guarantee loan repayment. If coverage lapses or is canceled, the bank will be required to insure your Suzuki at an extremely high rate and require you to reimburse them the higher premium.
• Insurance protects not only your car but also your assets. It will also provide coverage for hospital and medical expenses incurred in an accident. Liability coverage, the one required by state law, will also pay to defend you if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of buying enough insurance more than offset the price you pay, particularly if you ever have a claim. According to a survey of 1,000 drivers, the average driver is overpaying more than $865 each year so you should quote and compare rates at every renewal to make sure the price is not too high.

Discounts mean cheaper rates for Suzuki Kizashi insurance in Denver

Some insurers don’t list every discount they offer very clearly, so the list below contains both well-publicized as well as some of the hidden credits available to lower your premiums when you buy Denver auto insurance online.

• No Claims – Insureds with no claims or accidents pay less when compared with insureds who have frequent claims or accidents.
• Distant College Student Discount – Kids living away from Denver attending college and don’t have a car could get you a discount.
• Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to use their safety belts may be able to save a few bucks on the medical payments or PIP coverage costs.
• Sign Online – A handful of insurance companies will give a small break for buying a policy and signing up over the internet.
• Driver’s Ed – Teen drivers should enroll in driver’s education if it’s offered in school.
• Discount for Passive Restraints – Factory air bags and/or automatic seat belt systems may qualify for discounts up to 30%.
• Student Discounts – Excelling in school may save you up to 25%. Earning this discount can benefit you until age 25.
• Renewal Discounts – A few larger companies give discounts for switching companies before your current expiration date. It can save you around 10%.
• Discount for New Cars – Buying a new car instead of a used Kizashi is cheaper because newer models keep occupants safer.

It’s important to note that some credits don’t apply to the whole policy. Some only apply to individual premiums such as physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, companies wouldn’t make money that way.

Some of the larger companies that have these benefits include:

• State Farm
• Liberty Mutual
• American Family
• Progressive
• Farmers Insurance
• Auto-Owners Insurance
• SAFECO

Check with each company how many discounts you can get. Discounts may not apply in Denver. To choose providers who offer auto insurance discounts in Colorado, click here.

Can’t I compare rates from local Denver insurance agencies?

A lot of people prefer to go talk to an agent and that is a personal choice. Professional insurance agents will help you protect your assets and help file insurance claims. One of the great benefits of comparing rates online is that you can find cheaper car insurance rates and still have a local agent.

By using this simple form, your insurance coverage information is transmitted to insurance agents in Denver who will gladly provide quotes to get your business. There is no reason to do any legwork because quoted prices will be sent to the email address you provide. If you have a need to get a price quote from a specific company, you can always search and find their rate quote page and fill out their quote form.

Deciding on an insurer is decision based upon more than just the premium amount. These are some valid questions you should ask.

• Will you get a loaner vehicle if you car is being repaired?
• Does the agency have a good rating with the Better Business Bureau?
• Are they giving you every discount you deserve?
• When do they do policy reviews?
• Do the companies they represent have a solid financial rating?
• Are they properly licensed to sell insurance in Colorado?

Upon getting good feedback for all questions you ask and a low price estimate, you may have found an provider that meets the requirements to service your policy. Keep in mind it’s your coverage and you can cancel coverage at any time so never assume that you’re stuck with any particular company with no way to switch.

When should I discuss my situation with an agent?

When quoting and comparing the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s needs are different so your insurance should reflect that
Here are some questions about coverages that could help you determine whether or not you might need professional guidance.

• Why does it cost so much to insure a teen driver in Denver?
• Who is covered when they drive my Suzuki Kizashi?
• How much underlying liability do I need for an umbrella policy?
• What vehicles should carry emergency assistance coverage?
• If I use my vehicle for business use is it covered?
• What is glass protection for?
• Am I covered if I crash into my own garage door?
• Are my friends covered when driving my car?

If it’s difficult to answer those questions, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Specific coverages for a Suzuki Kizashi

Having a good grasp of car insurance can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages found on most car insurance policies.

Liability

Liability coverage can cover damages or injuries you inflict on other’s property or people. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/15 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $15,000 of coverage for damaged property.

Liability coverage pays for claims such as legal defense fees, funeral expenses, structural damage, pain and suffering and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible. Colorado state minimum liability requirements are 25/50/15 but you should think about purchasing more liability than the minimum.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Suzuki Kizashi.

Because many people carry very low liability coverage limits (Colorado limits are 25/50/15), their limits can quickly be used up. So UM/UIM coverage is a good idea.

Medical expense coverage

Med pay and PIP coverage reimburse you for immediate expenses for rehabilitation expenses, dental work, pain medications and EMT expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, falling objects, hitting a deer and damage from flooding. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision insurance

This will pay to fix damage to your Kizashi caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as backing into a parked car, scraping a guard rail and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible on your Kizashi to bring the cost down.

Cheaper car insurance premiums are possible

Cheaper Suzuki Kizashi insurance in Denver can be bought on the web and from local insurance agents, and you should compare rates from both in order to have the best price selection to choose from. There are still a few companies who don’t offer price quotes online and most of the time these small insurance companies only sell through independent agents.

When shopping online for car insurance, never reduce needed coverages to save money. Too many times, an accident victim reduced collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your objective should be to buy the best coverage you can find at the best possible price while still protecting your assets.

Helpful learning opportunities

• Understanding Car Crashes Video (iihs.org)
• How Much is Auto Insurance for Ride Shares in Denver? (FAQ)
• Who Has Affordable Auto Insurance for a Jeep Grand Cherokee in Denver? (FAQ)
• Who Has the Cheapest Auto Insurance for Drivers Requiring a SR22 in Denver? (FAQ)
• Who Has Affordable Auto Insurance Quotes for Good Drivers in Denver? (FAQ)
• Teen Driving and Texting (State Farm)
• Avoiding Deer Collisions (Insurance Information Institute)