Cheap Suzuki Kizashi Insurance in Stockton

Insurance quote for Suzuki Kizashi in StocktonThe best way we recommend to get discount Suzuki Kizashi insurance in Stockton is to start doing a yearly price comparison from providers that sell auto insurance in California.

The key aspect of shopping around is to try to use identical deductibles and limits on every quote and and to get prices from every company you can. Doing this guarantees a fair rate comparison and a good representation of prices.

A recent car insurance study revealed that nearly 70% of drivers renewed their policy with the same company for over three years, and nearly 40% of drivers have never even shopped around for cheap coverage. The average driver in Stockton could save themselves approximately 35% a year just by shopping around, but most tend to underestimate the amount of savings they would get if they switched.

Our goal is to help educate you on how insurance works and how to save the most money. If you are already insured, you should be able to get lower rates using the concepts you’re about to learn. Smart shoppers just need to learn the most efficient way to buy auto insurance online.

Stockton auto insurance discounts

Car insurance companies don’t always publicize all available discounts very well, so we took the time to find a few of the more well known and also the more inconspicuous savings tricks you should be using when you buy Stockton car insurance online.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to your bottom line cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it appears you can get free auto insurance, it just doesn’t work that way.

The example below shows the difference between Suzuki Kizashi car insurance rates with and without policy discounts. The premium estimates are based on a male driver, no claims, a clean driving record, 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, claim-free, multi-car, homeowner, safe-driver, and marriage discounts applied.

A list of companies and a partial list of their discounts are shown below.

If you need affordable Suzuki Kizashi insurance quotes, ask every insurance company which discounts they offer. Some credits might not be offered on policies everywhere.

Reducing your insurance rates is actually quite simple. All you need to do is invest a little time getting comparison quotes provided by online insurance companies.

It’s so simple to compare auto insurance quotes online makes it obsolete to make phone calls or go to insurance agents’ offices. Shopping for auto insurance online eliminates the need for an insurance agent unless you require the extra assistance of an agent trained in personal lines coverage. If you prefer, some companies allow you to comparison shop your insurance online and get advice from an agent in your area.

The providers in the list below are ready to provide comparison quotes in California. If multiple providers are shown, it’s a good idea that you visit two to three different companies to get the most affordable price.

Rates and other information

The coverage table displayed next showcases estimates of coverage prices for Suzuki Kizashi models. Having a good understanding how car insurance premiums are established can benefit drivers when making decisions when shopping around.

Suzuki Kizashi Insurance Rates in Stockton, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $182 $354 $500 $30 $150 $1,216 $101
Kizashi S AWD $204 $354 $500 $30 $150 $1,238 $103
Kizashi SE $204 $354 $500 $30 $150 $1,238 $103
Kizashi GTS $204 $418 $500 $30 $150 $1,302 $109
Kizashi SE AWD $204 $418 $500 $30 $150 $1,302 $109
Kizashi GTS AWD $204 $418 $500 $30 $150 $1,302 $109
Kizashi SLS $204 $418 $500 $30 $150 $1,302 $109
Kizashi SLS AWD $228 $418 $500 $30 $150 $1,326 $111
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Prices do not factor in specific zip code location which can influence rates considerably.

Policy deductible comparison

One of the most common auto insurance questions is where should you set your physical damage deductibles. The following insurance rates summarize the difference in cost when you choose different policy deductibles. The first data set uses a $250 physical damage coverage deductible and the second rate chart uses a $1,000 deductible.

Suzuki Kizashi insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $342 $576 $442 $26 $132 $1,543 $129
Kizashi S AWD $386 $576 $442 $26 $132 $1,587 $132
Kizashi SE $386 $576 $442 $26 $132 $1,587 $132
Kizashi GTS $386 $678 $442 $26 $132 $1,689 $141
Kizashi SE AWD $386 $678 $442 $26 $132 $1,689 $141
Kizashi GTS AWD $386 $678 $442 $26 $132 $1,689 $141
Kizashi SLS $386 $678 $442 $26 $132 $1,689 $141
Kizashi SLS AWD $430 $678 $442 $26 $132 $1,733 $144
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Suzuki Kizashi insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $210 $362 $442 $26 $132 $1,172 $98
Kizashi S AWD $238 $362 $442 $26 $132 $1,200 $100
Kizashi SE $238 $362 $442 $26 $132 $1,200 $100
Kizashi GTS $238 $426 $442 $26 $132 $1,264 $105
Kizashi SE AWD $238 $426 $442 $26 $132 $1,264 $105
Kizashi GTS AWD $238 $426 $442 $26 $132 $1,264 $105
Kizashi SLS $238 $426 $442 $26 $132 $1,264 $105
Kizashi SLS AWD $266 $426 $442 $26 $132 $1,292 $108
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Premium amounts do not factor in Stockton location which can lower or raise premiums considerably.

We can estimate from the data above that using a $250 deductible could cost the average driver approximately $35 more each month or $420 annually than selecting the higher $1,000 deductible. Since you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 21 months between claims, you would come out ahead by selecting a higher deductible.

The chart below illustrates how your choice of deductibles and can influence Suzuki Kizashi insurance costs for different ages of insureds. The data is based on a married female driver, full coverage, and no discounts are taken into consideration.

Safe drivers pay cheaper rates

The information below shows how traffic citations and at-fault claims increase Suzuki Kizashi auto insurance rates for different insured age categories. The rates are based on a single female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

Age-based auto insurance rates by gender

The illustration below compares Suzuki Kizashi insurance costs for male and female drivers. The data assumes no accidents, no driving violations, comp and collision included, $250 deductibles, drivers are single, and no additional discounts are factored in.

Suzuki Kizashi Insurance Cost Factors

Multiple criteria are taken into consideration when premium rates are determined. Most are fairly basic like an MVR report, but others are more transparent like your continuous coverage or how financially stable you are.

The following are some of the most common factors companies use to determine your rate level.

Car insurance can get complicated

When quoting and choosing adequate coverage, there isn’t really a cookie cutter policy. Every situation is different.

For example, these questions may help you determine whether or not you would benefit from an agent’s advice.

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Buying insurance from Stockton auto insurance agents

Many people just want to buy from a licensed agent and that is not a bad decision Professional agents are very good at helping people manage risk and give you someone to call. A good thing about price shopping on the web is you may find cheap insurance rates and still choose a local agent. And providing support for local agencies is especially important in Stockton.

Insurance agency in StocktonTo make it easy to find an agent, after completing this simple form, your information is sent to local insurance agents in Stockton who will gladly provide quotes for your coverage. You don’t have to contact any insurance agencies as quotes are delivered to you. If you want to compare prices from a specific company, don’t hesitate to search and find their rate quote page and fill out the quote form the provide.

Finding the right provider is decision based upon more than just a cheap price quote. Any agent in Stockton should be willing to answer these questions.

Upon getting reasonable responses to any questions you have and a good coverage price, you may have found an insurance company that can be trusted to properly insure your vehicles.

Insurance is an important decision

Despite the high cost of buying insurance for a Suzuki Kizashi in Stockton, insurance is required for several reasons.

The benefits of insuring your car more than cancel out the cost, especially if you ever need it. Unknowingly, the average driver is currently overpaying as much as $810 a year so it’s very important to do a rate comparison at every renewal to save money.

Best auto insurance company in California

Finding a high-quality auto insurance provider is hard considering how many choices there are in California. The rank data shown below may help you analyze which providers you want to consider shopping your coverage with.

Top Auto Insurance Companies in Stockton
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

How much can you save?

While you’re price shopping online, it’s very important that you do not reduce needed coverages to save money. In many instances, consumers will sacrifice physical damage coverage and discovered at claim time that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at the best possible price, but do not skimp to save money.

We covered a lot of techniques to find lower-cost Suzuki Kizashi insurance in Stockton. The key concept to understand is the more you quote Stockton car insurance, the better your chances of lowering your premium rates. You may even discover the biggest savings come from some of the smallest insurance companies.

Insureds who switch companies do it for a variety of reasons including delays in responding to claim requests, denial of a claim, high prices and being labeled a high risk driver. Whatever your reason, choosing a new insurance company is not as hard as you think.

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