The 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.
- Step 1: Spend some time learning about how insurance works and the changes you can make to lower rates. Many risk factors that result in higher prices like getting speeding tickets and a less-than-favorable credit history can be amended by making minor changes to your lifestyle. Read the full article for more ideas to prevent high prices and get additional discounts that may be available.
- Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from one company like GEICO or Allstate, while independent agents can quote prices for a wide range of companies. Click to view companies
- Step 3: Compare the quotes to your existing coverage and determine if cheaper Kizashi coverage is available in Stockton. If you find a lower rate and make a switch, make sure coverage is continuous and does not lapse.
- Step 4: Give notification to your agent or company to cancel your current car insurance policy and submit the application along with any required down payment for the new policy. When you receive it, store the certificate verifying proof of insurance in an easily accessible location in your vehicle.
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.
- Switch and Save Discount – Select insurance companies give a discount for buying a policy prior to the expiration date on your current Kizashi insurance policy. This discount can save up to 10%.
- Pay Now and Pay Less – If you pay your bill all at once rather than paying in monthly installments you can avoid the installment charge.
- Savings for New Vehicles – Insuring a new Kizashi can cost up to 25% less due to better safety requirements for newer vehicles.
- Mature Driver Discount – Mature drivers may receive a discount up to 10%.
- Bundled Policy Discount – If you insure your home and vehicles and place coverage with the same company you could earn a discount of approximately 10% to 15%.
- Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you a break if you buy a life policy as well.
- Own a Home and Save – Simply owning a home can help you save on auto insurance due to the fact that maintaining a home shows financial diligence.
- Claim-Free Discount – Drivers who don’t have accidents get the best auto insurance rates as compared to accident-prone drivers.
- Sign Online – A few larger online companies give back up to $50 just for signing your application on the web.
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.
- State Farm discounts include driver’s education, student away at school, anti-theft, good driver, defensive driving training, passive restraint, and safe vehicle.
- American Family may include discounts for good driver, TimeAway discount, good student, air bags, defensive driver, multi-vehicle, and mySafetyValet.
- AAA offers premium reductions for good student, pay-in-full, multi-policy, AAA membership discount, education and occupation, good driver, and multi-car.
- GEICO has savings for membership and employees, five-year accident-free, federal employee, emergency military deployment, air bags, seat belt use, and multi-vehicle.
- Mercury Insurance may offer discounts for low natural disaster claims, good student, multi-car, multi-policy, and anti-theft.
- Farmers Insurance has discounts for distant student, alternative fuel, early shopping, electronic funds transfer, business and professional, and bundle discounts.
- Progressive offers discounts for good student, multi-policy, online signing, multi-vehicle, and continuous coverage.
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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| 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 |
| Get Your Own Custom Quote Go | |||||||
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.
- Claim-free discounts can add up – Auto insurance companies in California award cheaper rates to drivers that do not abuse their auto insurance. If you file a lot of claims you can pretty much guarantee either policy cancellation or increased premiums. Your car insurance is intended to be relied upon for the large, substantial claims.
- Only buy extra coverages you need – There are a lot of extra add-on coverages that sound like a good idea at the time when buying auto insurance. Insurance for things like rental car reimbursement, death and dismemberment, and additional equipment coverage may be costing you every month. The coverages may be enticing initially, but your money might be better spent on other coverage so get rid of them and save.
- Pleasure use saves money – The more you drive your Suzuki in a year the higher your rates will be. Most insurance companies charge rates based upon how much you drive. Vehicles that are left in the garage cost less to insure than those used for commuting. Having the wrong rating on your Kizashi is throwing money out the window. Ask your agent if your auto insurance coverage reflects annual mileage, because improper ratings can cost you money.
- Where you reside is a factor – Choosing to live in a rural area has it’s advantages when trying to find low car insurance rates. People in densely populated areas tend to have traffic congestion and more severe claims. Less people living in that area means fewer accidents and a lower car theft rate.
-
Premiums are high for teenagers – Beginning drivers in California are proven to be more careless when driving therefore auto insurance rates are much higher. Older, more experienced drivers are more responsible, statistically cause fewer accidents, and usually have better credit.
The following chart assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.
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.
- When would I need rental car insurance?
- Does medical payments coverage apply to all occupants?
- How much can I save by bundling my policies?
- Will my rates increase for filing one claim?
- Should I put collision coverage on all my vehicles?
- Why am I be forced to buy a membership to get insurance from some companies?
- Does my insurance cover damage caused when ticketed for reckless driving?
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.
To 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.
- Do you qualify for any additional discounts?
- Who is covered by the car insurance policy?
- Does the company allow you to choose your own collision repair facility?
- Are they primarily personal or commercial lines agents in Stockton?
- Do they feel the quoted coverages are adequate?
- What companies can they write with?
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.
- Almost all states have minimum liability requirements which means it is punishable by state law to not carry a minimum amount of liability in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Suzuki Kizashi has a lienholder, more than likely the lender will require that you buy insurance to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank may insure your Suzuki at an extremely high rate and require you to reimburse them much more than you were paying before.
- Insurance protects not only your vehicle but also your financial assets. Insurance will pay for hospital and medical expenses incurred in an accident. One of the most valuable coverages, liability insurance, also covers legal expenses if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.
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.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com 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.
More learning opportunities
- Avoiding Deer Collisions (Insurance Information Institute)
- How Much are Car Insurance Rates for a Honda Civic in Stockton? (FAQ)
- Who Has the Cheapest Stockton Car Insurance Rates for Welfare Recipients? (FAQ)
- Who Has the Cheapest Auto Insurance for Teenage Males in Stockton? (FAQ)
- How Much are Auto Insurance Rates for a Chevrolet Traverse in Stockton? (FAQ)
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- Auto Crash Statistics (Insurance Information Institute)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Medical Payments Coverage (Liberty Mutual)