Save Money on Suzuki Kizashi Insurance in Cincinnati

It takes a few minutes, but the best way to get cheaper Suzuki Kizashi insurance in Cincinnati is to compare quotes once a year from providers in Ohio.

• First, try to understand how your policy works and the things you can change to prevent expensive coverage. Many rating factors that result in higher rates like multiple speeding tickets and a negative credit score can be amended by improving your driving habits or financial responsibility. This article provides additional ideas to find cheap rates and find overlooked discounts.
• Second, request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive or Farmers Insurance, while independent agencies can quote rates from multiple sources. Click to view companies
• Third, compare the new rate quotes to your existing coverage and see if there is a cheaper rate. If you find a better price, verify that coverage does not lapse between policies.

One important bit of advice is that you’ll want to make sure you compare the same deductibles and limits on each quote and and to get quotes from as many carriers as you can. Doing this enables a fair rate comparison and the best price selection.

Amazingly, a large majority of insurance policyholders in Ohio have remained with the same insurance company for over three years, and approximately 38% of consumers have never compared rates with other companies. American drivers can cut their rates by nearly $850 a year by just comparing quotes, but they underestimate the actual amount they would save if they moved their coverage to a different company.

These techniques will teach you the best way to quote coverages and how you can save the most money. If you have a policy now, you will most likely be able to reduce the price you pay using the ideas covered in this article. But Ohio consumers should learn the way insurance companies determine how much to charge because rates are impacted by many factors.

Companies offering Suzuki Kizashi insurance in Ohio

The companies in the list below offer free quotes in Ohio. If multiple companies are listed, we suggest you get prices from several of them in order to find the most competitive rates.

Suzuki Kizashi insurance coverage information

The coverage information displayed next highlights detailed analysis of insurance prices for Suzuki Kizashi models. Learning as much as possible about how policy premiums are figured is important to be able to make smart choices when selecting a coverage provider.

Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Prices do not factor in specific location which can modify premiums greatly.

Policy deductibles

When comparing insurance rates, the most common question is at what level do you set your deductibles. The figures shown below can help you understand the premium difference between low and high policy deductibles. The first price estimate table uses a $250 deductible for physical damage and the second rate chart uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Price estimates do not factor in vehicle location which can decrease or increase coverage rates considerably.

We can derive from the above data that using a $250 deductible will cost you approximately $19 more each month or $228 each year than choosing the higher $1,000 deductible. Because you would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 39 months between claim filings, you would probably save some money by selecting a higher deductible. Here is how you can do this calculation yourself.

An important sidenote is that a higher deductible means you pay more out-of-pocket when you have a physical damage claim. You need to make sure you have access to more funds in order to pay more to get your vehicle repaired.

The chart below illustrates how your deductible choice and can impact Suzuki Kizashi insurance costs for each different age group. The premium estimates are based on a married female driver, comp and collision included, and no policy discounts are applied.

Determine discounts on Cincinnati insurance

Car insurance is not cheap, but you might be missing out on some discounts that could help you make your next renewal payment. Certain reductions will be credited when you purchase, but lesser-known reductions have to be asked about in order for you to get them.

• Cincinnati Homeowners Pay Less – Simply owning a home can save you money because it demonstrates responsibility.
• New Car Discount – Insuring a vehicle that is new can get you a discount compared to insuring an older model.
• Payment Method – By paying your entire bill at once rather than paying monthly you can actually save on your bill.
• Defensive Driver Discount – Participating in a safe driver course could earn you a small percentage discount depending on where you live.
• Waiver for an Accident – Not necessarily a discount, but certain companies permit an accident without the usual rate increase if you have no claims prior to being involved in the accident.
• Anti-lock Brakes – Vehicles with ABS and/or traction control can avoid accidents and earn discounts up to 10%.
• Sign Early and Save – Select insurance companies give a discount for switching companies before your current coverage expires. You can save around 10% with this discount.
• Federal Government Employee – Active or former government employment could qualify for a slight premium decrease with a few insurance companies.

Keep in mind that most discount credits are not given to the entire policy premium. Some only reduce specific coverage prices like comp or med pay. Even though it may seem like you would end up receiving a 100% discount, nobody gets a free ride.

The illustration below shows the comparison of Suzuki Kizashi auto insurance rates with and without policy discounts. Data assumes a male driver, no tickets, no at-fault accidents, Ohio state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, homeowner, marriage, multi-policy, and claim-free discounts applied.

The best insurance companies and some of the discounts can be read below.

• State Farm may include discounts for safe vehicle, good student, Drive Safe & Save, accident-free, driver’s education, and anti-theft.
• Liberty Mutual has discounts for new graduate, multi-policy, newly retired, preferred payment discount, and safety features.
• American Family may offer discounts for defensive driver, multi-vehicle, mySafetyValet, good driver, TimeAway discount, and early bird.
• Progressive offers discounts including multi-policy, online signing, good student, online quote discount, homeowner, and multi-vehicle.
• Farmers Insurance has savings for mature driver, distant student, switch companies, bundle discounts, multi-car, youthful driver, and homeowner.
• Auto-Owners Insurance policyholders can earn discounts including air bags, mature driver, teen driver, safe driver, company car, safe vehicle, and student away at school.
• SAFECO offers premium reductions for multi-car, teen safety rewards, accident prevention training, teen safe driver, and drive less.

Before you buy a policy, ask every company to give you their best rates. Some of the discounts discussed earlier might not be offered in your state.

Learn How to Lower Your Insurance Prices

Many different elements are used when you quote your car insurance policy. Some are pretty understandable such as your driving history, but some are not as apparent such as your marital status or your financial responsibility.

The itemized list below are a few of the “ingredients” used by insurance companies to determine your rate level.

• Females tend to cost less – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. Both sexes are responsible for auto accidents at about the same rate, but the male of the species get into accidents with more damage. Men also tend to get ticketed for serious violations such as DWI and reckless driving. Teenage male drivers are several times more likely to be in an accident and are penalized with high insurance rates.

  The chart below illustrates the difference between Suzuki Kizashi auto insurance costs for male and female drivers. The data is based on no claims, a clean driving record, full coverage, $500 deductibles, single status, and no discounts are applied.

• Stress out and pay more – Did you know your insurance rates can be affected by your occupation? Careers like doctors, air traffic controllers, and accountants tend to pay the highest rates in part from intense work requirements and long work hours. On the flip side, careers like farmers, students and performers have lower than average premiums.

• Premiums are impacted by vehicle performance – The type of vehicle you own makes a significant difference in your premium level. The cheapest insurance rates are generally reserved for small economy passenger cars, but your final cost has many other factors.

  The following data assumes a married female driver age 50, full coverage with $100 deductibles, and no discounts or violations. The chart compares Suzuki Kizashi insurance rates compared to other vehicles that have a range of performance risks.

• Youthful drivers cost more – More experienced drivers are viewed as being more responsible, statistically cause fewer accidents, and are generally more financially stable. Inexperience drivers tend to be more careless when driving so they pay higher insurance rates.

  The data below uses these assumptions: single driver, full coverage with $500 deductibles, and no discounts or violations.

Tailor your auto insurance coverage to you

When selecting proper insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s.

These are some specific questions can help discover if your situation would benefit from professional advice.

• Do I need higher collision deductibles?
• Does medical payments coverage apply to all occupants?
• Why do I only qualify for high-risk insurance?
• Can my babysitter drive my car?
• Can I rate high risk drivers on liability-only vehicles?
• Is my son or daughter covered when driving my car?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Compare prices but buy from a local Cincinnati insurance agent

Some people just prefer to buy from a local agent and doing that can be a smart decision A good thing about getting online price quotes is the fact that you can find cheap car insurance rates but also keep your business local. Buying insurance from neighborhood agents is important especially in Cincinnati.

By using this form (opens in new window), the coverage information gets sent to participating agents in Cincinnati who will give you bids for your car insurance coverage. You won’t even need to contact any insurance agencies since rate quotes are delivered straight to your inbox. You’ll get the best rates without having to waste a lot of time. If you have a need to compare rates from a specific insurance company, you just need to go to their quote page and complete a quote there.

If you are wanting to find a reliable insurance agent, it’s helpful to know the different types of agencies that you can select. Car insurance policy providers can be classified as either exclusive agents or independent agents.

Independent Car Insurance Agencies or Brokers

Independent agents do not have single company limitations so as a result can place your coverage with lots of companies and potentially find a lower price. If your premiums go up, the business is moved internally and you don’t have to find a new agent.

If you are comparing rate quotes, it’s recommended you get rate quotes from a few independent agents to get the best comparison. Many can place coverage with lesser-known insurance companies which may provide better rates.

Listed below are Cincinnati independent agents that can give you free rate quotes.

• Zinser Insurance Agency LLC
  5310 Glenway Ave # 1 – Cincinnati, OH 45238 – (513) 451-8898 – View Map
• Dempsey and Siders Insurance Agency
  6725 Miami Ave #102 – Cincinnati, OH 45243 – (513) 891-4400 – View Map
• Dwyer Insurance Agency
  3356 N Bend Rd – Cincinnati, OH 45239 – (513) 389-4100 – View Map

View more Cincinnati agents

Exclusive Agents

These agents normally can only provide a single company’s rates like Allstate, Farmers Insurance or State Farm. They usually cannot provide prices from multiple companies so keep that in mind. Exclusive agents are highly trained on their products and sales techniques and that can be a competitive advantage. Drivers often use the same exclusive agent partially due to the brand rather than having the cheapest rates.

Shown below are Cincinnati exclusive agents that can give you price quote information.

• Harold Jones – State Farm Insurance Agent
  9816 Springfield Pike – Cincinnati, OH 45215 – (513) 771-6226 – View Map
• Nancy Hughett – State Farm Insurance Agent
  2306 W Galbraith Rd – Cincinnati, OH 45239 – (513) 522-9343 – View Map
• Farmers Insurance – Shellie Burke
  4734 Vine St – Cincinnati, OH 45217 – (513) 242-2777 – View Map

View more Cincinnati agents

Selecting an insurance agent requires you to look at more than just a cheap price quote. Agents should be asked these questions:

• Are you getting all the discounts the company offers?
• Do they have any clout with companies to ensure a fair claim settlement?
• Is their price quote a firm figure or are their hidden costs?
• If they are an independent agency in Cincinnati, which companies do they recommend?
• Are they primarily personal or commercial lines agents in Cincinnati?
• Do they have 24-hour customer assistance?
• Do they assist clients in filing claims?
• If you raise deductibles, how much can you save?

One last thing about your coverage

People leave their current company for many reasons like high rates after DUI convictions, questionable increases in premium, high prices or even denial of a claim. It doesn’t matter what your reason, finding a new company is less work than it seems.

As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. There are a lot of situations where someone sacrificed uninsured motorist or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. The goal is to get the best coverage possible for the lowest cost and still be able to protect your assets.

We covered some good ideas how to save on Suzuki Kizashi insurance in Cincinnati. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the lowest rates are with a small mutual company.

More information

• How to Avoid Common Accidents (State Farm)
• How Much is Cincinnati Auto Insurance for Veterans? (FAQ)
• Who Has Cheap Car Insurance Quotes for a Chevrolet Malibu in Cincinnati? (FAQ)
• What Auto Insurance is Cheapest for Drivers Under 21 in Cincinnati? (FAQ)
• What Insurance is Cheapest for College Students in Cincinnati? (FAQ)
• Smart Auto Insurance Tips (Insurance Information Institute)
• Rental Reimbursement Coverage (Allstate)
• Anti-Lock Brake FAQ (iihs.org)