Save Money on Suzuki Kizashi Insurance in Greensboro

Searching for cheaper insurance for your Suzuki Kizashi in North Carolina can normally be an all-consuming task, but you can learn our auto insurance buying tips to make it easier. There are more efficient ways to find auto insurance online so we’re going to tell you the quickest way to quote coverages for your Suzuki and find the cheapest rates from both online companies and Greensboro agents.

We don’t have to tell you that insurance companies don’t want policyholders to shop around. Drivers who get price comparisons are likely to buy a new policy because they stand a good chance of finding lower prices. A recent survey discovered that drivers who shopped around annually saved on average $865 a year compared to those who never compared prices.

If finding discount rates on auto insurance in Greensboro is why you’re reading this, then having some insight into how to quote and compare insurance premiums can make it easier for you to save money.

Smart consumers take time to price shop coverage occasionally because insurance prices go up and down regularly. Even if you got the best rates on Suzuki Kizashi insurance in Greensboro at your last renewal you may be paying too much now. Forget all the misinformation about auto insurance because you’re going to get a crash course in the proper way to remove unneeded coverages and save money.

Finding the cheapest car insurance coverage in Greensboro is quite easy. If you are insured now or are looking for a new policy, use these tips to reduce premiums and still have adequate protection. Shoppers just have to learn the best way to get comparison quotes from many different companies.

Lowering your Suzuki Kizashi insurance rates is pretty simple and can save money. The only thing you need to do is spend a few minutes comparing rates to see which company has low cost Greensboro auto insurance quotes.

The following companies can provide price quotes in Greensboro, NC. To locate cheap car insurance in Greensboro, it’s highly recommended you visit several of them in order to find the most competitive rates.

Analysis of coverages

The information shown next highlights detailed analysis of prices for Suzuki Kizashi models. Being able to understand how premiums are established can be valuable when making smart choices when selecting a policy.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rates do not factor in specific zip code location which can influence coverage rates greatly.

Can higher deductibles save money?

One of the hardest decisions when shopping for car insurance is how high should the physical damage coverage deductibles be. The comparison tables below can help you visualize how much more you’ll pay between high and low coverage deductibles. The first data table uses a $100 physical damage deductible and the second rate chart uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Information does not factor in Greensboro location which can lower or raise coverage prices greatly.

Based on these figures, using a $100 deductible will cost you roughly $19 more each month or $228 for a full year than buying the higher $500 deductible. Since you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at least 21 months between claim filings, you would most likely save money by selecting a higher deductible.

Suzuki Kizashi insurance premiums by gender in Greensboro

The diagram below shows the difference between Suzuki Kizashi car insurance rates for male and female drivers. Data assumes no claims or violations, comp and collision included, $500 deductibles, marital status is single, and no other discounts are factored in.

Should you buy full coverage?

The example below visualizes the comparison of Suzuki Kizashi auto insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in North Carolina. The data assumes no tickets, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are taken into consideration.

Guidelines for dropping full coverage

There is no set rule to exclude physical damage coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is more than 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let’s assume your Suzuki Kizashi claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $7,000 after the policy deductible has been paid. If you are paying over $700 annually for full coverage, then you might consider buying liability only.

There are a few cases where removing full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should keep full coverage in place.

Earn discounts on Greensboro auto insurance

Auto insurance is expensive, but there may be some discounts that could drop your premiums quite a bit. Most are applied at the time of purchase, but some discounts are required to be asked about before you will receive the discount.

• Telematics Data Discounts – Drivers that enable their company to scrutinize their driving habits remotely such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if their driving habits are good.
• Anti-lock Brakes – Cars with anti-lock braking systems are much safer to drive so companies give up to a 10% discount.
• Include Life Insurance and Save – Select auto insurance companies reward you with a discount if you purchase a life insurance policy as well.
• Responsible Drivers – Accident-free drivers can pay as much as 50% less compared to accident prone drivers.
• Student in College – Kids who live away from home at college and do not have a car could qualify for this discount.
• Theft Prevention Discount – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and therefore earn up to a 10% discount.
• Pay Early and Save – If you pay your bill all at once as opposed to paying monthly you could save up to 5%.
• Memberships – Joining specific professional or occupational memberships or organizations is a good way to get lower rates when getting a Greensboro auto insurance quote.
• Buy New and Save – Buying insurance on a new vehicle can be considerably cheaper because new model year vehicles have to meet stringent safety requirements.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the cost of specific coverages such as comprehensive or collision. So when it seems like all the discounts add up to a free policy, you aren’t that lucky.

The information below compares Suzuki Kizashi car insurance costs with and without discounts applied to the premium. The data assumes a male driver, a clean driving record, no claims, North Carolina state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, claim-free, homeowner, marriage, and multi-policy discounts applied.

A few popular companies and some of the premium reductions they offer are detailed below.

• Progressive policyholders can earn discounts including homeowner, good student, online quote discount, multi-vehicle, online signing, multi-policy, and continuous coverage.
• SAFECO includes discounts for teen safety rewards, drive less, bundle discounts, homeowner, safe driver, and multi-car.
• American Family offers discounts including mySafetyValet, air bags, TimeAway discount, good student, early bird, accident-free, and Steer into Savings.
• MetLife has discounts for multi-policy, good driver, defensive driver, good student, claim-free, and accident-free.
• GEICO may include discounts for anti-lock brakes, daytime running lights, defensive driver, anti-theft, seat belt use, membership and employees, and emergency military deployment.
• The Hartford may have discounts that include good student, bundle, vehicle fuel type, air bag, anti-theft, defensive driver, and driver training.

If you want affordable Suzuki Kizashi insurance quotes, ask every prospective company which discounts you may be entitled to. All car insurance discounts might not be offered in Greensboro. To see a list of providers with discount rates in Greensboro, click here to view.

Car insurance in North Carolina serves several purposes

Despite the fact that car insurance is not cheap in Greensboro, buying car insurance may not be optional for several reasons.

• The majority of states have compulsory liability insurance requirements which means state laws require a minimum amount of liability coverage if you don’t want to risk a ticket. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you took out a loan on your Suzuki, almost all lenders will force you to buy full coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the lender may insure your Suzuki at a much higher rate and require you to reimburse them a much higher amount than you were paying before.
• Insurance protects not only your Suzuki but also your financial assets. Insurance will also pay for medical expenses for yourself as well as anyone injured by you. Liability coverage, the one required by state law, also covers legal expenses if you are sued as the result of an accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay to repair the damage.

The benefits of carrying enough insurance are without a doubt worth the cost, particularly when you have a large claim. According to a recent study, the average American driver is overpaying more than $869 every year so shop around at every policy renewal to help ensure money is not being wasted.

Insurance is unique, just like you

When buying coverage online or from an agent for your personal vehicles, there isn’t really a best way to insure your cars. Each situation is unique.

For example, these questions may help highlight whether or not you might need professional guidance.

• Do all my vehicles need collision coverage?
• Does low annual mileage earn a discount?
• Is my babysitter covered when using my vehicle?
• What does medical payments coverage do?
• Am I insured when driving a different vehicle?
• Is business property covered if stolen from my car?
• What vehicles should carry emergency assistance coverage?
• Can I insure my car for more than it’s worth?
• Can my teen driver be rated on a liability-only vehicle?
• Do I really need UM/UIM coverage?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Compare prices but buy from a neighborhood Greensboro auto insurance agent

Certain consumers would prefer to visit with an insurance agent and often times that is recommended Experienced insurance agents can point out coverage gaps and help submit paperwork. The biggest benefit of getting free rate quotes online is that you can find better rates but also keep your business local.

After filling out this form (opens in new window), the coverage information is emailed to agents in your area who will return price quotes for your insurance coverage. You never need to visit any agencies because prices are sent instantly to you. If for some reason you want to quote rates from one company in particular, just search and find their rate quote page to submit a rate quote request.

Picking a company is decision based upon more than just the bottom line cost. Here are some questions you might want to ask.

• Is the agency active in community causes in Greensboro?
• Do they prorate repair cost based on vehicle mileage?
• Are claim adjusters local or do you have to take your car somewhere else?
• Are they giving you every discount you deserve?
• Are all drivers listed on the coverage quote?
• Is coverage determined by price?

Shown below are Greensboro insurers willing to provide rate quotes for Suzuki Kizashi insurance in Greensboro.

• Barry Morgan – State Farm Insurance Agent
  2001 N O Henry Blvd Srv Rd b – Greensboro, NC 27407 – (336) 294-3894 – View Map
• Nationwide Insurance: O Hanlon Insurance and Financial Services
  5411D W Friendly Ave d – Greensboro, NC 27410 – (336) 288-1208 – View Map
• Steve Kent – State Farm Insurance Agent
  3122 Battleground Ave – Greensboro, NC 27408 – (336) 282-5368 – View Map
• Allstate Insurance: John F Davis
  3800 S Holden Rd #101 – Greensboro, NC 27406 – (336) 299-9100 – View Map

View more agents

Once you have received good responses to these questions and a good coverage price, you’ve probably found an insurer that can adequately provide insurance. Just understand that you can always cancel your policy whenever you wish so don’t feel you’re contractually obligated to any particular company for the full term.