Find Affordable Suzuki Kizashi Insurance in Scottsdale

Discount Suzuki Kizashi insuranceIf your goal is the lowest price, then the best way to get budget Suzuki Kizashi insurance is to regularly compare quotes from providers who can sell car insurance in Scottsdale.

A crucial key to this process is to make sure you enter identical limits and deductibles on every quote request and and to look at every insurance company. Doing this helps ensure a fair rate comparison and a thorough selection of prices.

A recent auto insurance study discovered that the vast majority of auto insurance customers have stayed with the same insurance company for at least the last four years, and almost 40% of drivers have never compared auto insurance rates at all. Consumers in Scottsdale could save nearly $700 each year by just shopping around, but they just assume it’s a time-consuming process to find cheaper insurance by shopping around.

Analysis of Suzuki Kizashi rates

The price information displayed below covers estimates of insurance rates for Suzuki Kizashi models. Having a better understanding of how insurance policy rates are established can be of help when making decisions on the best policy to buy.

Suzuki Kizashi Insurance Rates in Scottsdale, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $232 $390 $300 $18 $90 $1,030 $86
Kizashi S AWD $262 $390 $300 $18 $90 $1,060 $88
Kizashi SE $262 $390 $300 $18 $90 $1,060 $88
Kizashi GTS $262 $460 $300 $18 $90 $1,130 $94
Kizashi SE AWD $262 $460 $300 $18 $90 $1,130 $94
Kizashi GTS AWD $262 $460 $300 $18 $90 $1,130 $94
Kizashi SLS $262 $460 $300 $18 $90 $1,130 $94
Kizashi SLS AWD $292 $460 $300 $18 $90 $1,160 $97
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Rate quotes do not factor in specific location which can affect price quotes noticeably.

Full coverage rates vs. liability-only in Scottsdale

The illustration below shows the difference between Suzuki Kizashi yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The price estimates are based on no claims or driving citations, $500 deductibles, single marital status, and no discounts are factored in.

Guidelines for dropping full coverage

There is no written rule to eliminate comp and collision coverage, but there is a general school of thought. If the yearly cost of comp and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.

For example, let’s pretend your Suzuki Kizashi settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $5,000 after the deductible is paid. If it’s costing you more than $500 a year to have full coverage, then it’s probably a good time to buy liability coverage only.

There are some situations where removing full coverage is not in your best interest. If you still owe a portion of the original loan, you have to carry full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Components of Your Suzuki Kizashi Insurance Premiums

A large part of saving on auto insurance is knowing the rating factors that are used to determine your premiums. If you have a feel for what controls the rates you pay, this enables informed choices that can earn you lower rates.

The itemized list below are just a few of the factors companies use to determine your prices.

Compare but don’t skimp

Budget-conscious Suzuki Kizashi insurance is available on the web and also from your neighborhood Scottsdale agents, so you should compare both to have the best chance of lowering rates. Some auto insurance companies may not offer online rate quotes and usually these regional carriers only sell coverage through independent agents.

Insureds leave their current company for many reasons like unfair underwriting practices, denial of a claim, policy cancellation or being labeled a high risk driver. Regardless of your reason for switching companies, finding a great new company can be less work than you think.

When buying insurance coverage, never reduce coverage to reduce premium. There have been many cases where an accident victim reduced liability coverage limits only to regret that the few dollars in savings costed them thousands. The proper strategy is to find the BEST coverage for the lowest price and still be able to protect your assets.

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