Compare Suzuki Kizashi Insurance Rates in Houston

Do you want to learn how to find more competitive Suzuki Kizashi insurance in Houston? Scraping up a payment for expensive Suzuki Kizashi insurance in Houston can dwindle your monthly budget and require stricter spending habits. Shopping your coverage around is free, only takes a few minutes, and is a good way to cut your insurance bill.

A recent survey discovered that a large majority of consumers kept their coverage with the same car insurance company for at least the last four years, and 38% of customers have never quoted car insurance rates at all. American consumers could save an average of as much as 46.5% each year by just shopping around, but most tend to underestimate the benefits if they just switched companies.

There is such a variety of auto insurance companies to insure vehicles with, and although it’s a good thing to have multiple companies, it can be more difficult to find the best rates for Suzuki Kizashi insurance in Houston.

How to compare Suzuki Kizashi insurance quotes in Houston, Texas

To find the best auto insurance prices, there are several ways to compare prices from many auto insurance companies in Texas. The easiest way to compare rates involves getting comparison quotes online.

It’s so easy to compare rates online that it takes the place of having to go to all the different Houston insurance agencies. The internet makes this unnecessary unless you want the advice and guidance that only a licensed agent can provide. Although you can obtain prices from the web but still have the advice of a local agent. When price shopping your coverage, comparing more prices helps improve the odds of finding a lower rate than you’re paying now.

The companies in the list below have been selected to offer quotes in Houston, TX. If more than one company is shown, it’s highly recommended you visit as many as you can in order to get a fair rate comparison.

Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Price estimates do not factor in zip code location which can impact price quotes noticeably.

Difference between full coverage and liability only rates

The example below examines Suzuki Kizashi yearly insurance costs with full coverage compared to only the Texas minimum liability coverage. The premiums assume no claims or driving violations, $1,000 deductibles, single female driver, and no discounts are applied to the premium.

When to drop comprehensive and collision coverage

There is no set rule to eliminate physical damage coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your Suzuki Kizashi claim settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, you would only receive $6,000 after paying your policy deductible. If you are currently paying more than $600 annually to have full coverage, then you might want to think about dropping full coverage.

There are some situations where dropping physical damage coverage is not financially feasible. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should maintain full coverage.

Physical damage deductibles: Should you raise them?

One frequently asked question is how high should the physical damage deductibles be. The following tables may aid in understanding how much more rates are when you buy lower versus higher physical damage deductibles. The first set of rates uses a $250 deductible for comp and collision and the second price table uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rate quotes do not factor in zip code location which can change price quotes substantially.

Based on the above data, using a $250 deductible will cost you about $16 more each month or $192 annually than quoting the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 16 months between claim filings, you would more than likely save some money by going with a higher deductible.

Drive responsibly or pay higher rates

The chart below illustrates how traffic citations and fender-benders can affect Suzuki Kizashi annual premium costs for different age groups. The premiums are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.

Why you need insurance for your vehicle

Even though it can be expensive, insurance is required by state law in Texas and it also provides benefits you may not be aware of.

First, the majority of states have minimum mandated liability insurance limits which means you are required to carry a specific minimum amount of liability coverage in order to drive the car. In Texas 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.

Second, if you took out a loan on your car, most banks will force you to buy insurance to guarantee payment of the loan. If you cancel or allow the policy to lapse, the bank may buy a policy for your Suzuki for a much higher rate and require you to reimburse them for it.

Third, insurance preserves not only your car but also your assets. It will also cover medical bills for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, will also pay for a defense attorney if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, your insurance policy will cover the repair costs.

The benefits of insuring your Kizashi definitely exceed the price paid, particularly if you ever have a claim. As of last year, the average driver in Texas is currently overpaying as much as $865 each year so it’s recommended you shop around at least once a year to save money.

Don’t be fooled by advertising claims

Auto insurance companies such as State Farm, Allstate and GEICO seem to constantly run television and radio advertisements. All the companies seem to make the promise that people will save just by moving your policy. How is it possible that every company can charge lower premium rates? It’s all in the words they use.

Different companies look for specific characteristics for the type of customer that is profitable for them. A good example of a profitable insured should be between the ages of 30 and 50, has no prior claims, and drives a lower-performance vehicle. A customer getting a price quote who matches those parameters may get the lowest rates in Houston and have a good chance to save when switching.

Potential customers who don’t meet the requirements will be charged higher prices which leads to the customer buying from someone else. The trick is to say “people that switch” but not “all drivers who get quotes” save money. That’s why insurance companies can make it sound like they have such great prices.

That is why you really should compare many company’s prices. It’s not possible to predict which auto insurance company will have the best premium rates for your profile.

Get cheap Suzuki Kizashi insurance in Houston with discounts

Some providers don’t list all their discounts in a way that’s easy to find, so the below list has a few of the more common as well as some of the hidden auto insurance savings.

• Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you can avoid the installment charge.
• Military Deployment Discount – Being deployed in the military may lower your auto insurance rates slightly.
• Buy New and Save – Insuring a vehicle that is new can cost up to 25% less because newer vehicles keep occupants safer.
• Discounts for Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save a little on medical payment and PIP coverage.
• Driver’s Education for Students – Cut your cost by having your teen driver enroll and complete driver’s education if it’s offered in school.
• Early Switch Discount – Select auto insurance companies give a discount for switching companies prior to your current Kizashi insurance policy expiring. It could save around 10% when you buy Houston auto insurance online.
• Good Driver Discount – Safe drivers may receive a discount up to 45% than drivers with accidents.
• Discounts for Multiple Vehicles – Having more than one vehicle with one company can get a discount on all vehicles.

A little disclaimer on discounts, most credits do not apply to the whole policy. Most cut specific coverage prices like comprehensive or collision. If you do the math and it seems like all those discounts means the company will pay you, that’s just not realistic.

A few popular companies and a summarized list of policyholder discounts can be found below.

• State Farm offers discounts for good driver, multiple policy, driver’s education, Drive Safe & Save, and good student.
• Nationwide offers discounts including business or organization, anti-theft, accident-free, multi-policy, and good student.
• GEICO offers premium reductions for multi-policy, multi-vehicle, anti-theft, military active duty, five-year accident-free, seat belt use, and daytime running lights.
• AAA has savings for multi-policy, multi-car, pay-in-full, education and occupation, and good driver.
• 21st Century may have discounts that include early bird, homeowners, theft prevention, defensive driver, and anti-lock brakes.
• The Hartford may include discounts for defensive driver, bundle, vehicle fuel type, air bag, driver training, good student, and anti-theft.

When comparing rates, check with every company which discounts they offer. Some of the discounts discussed earlier may not apply to policies everywhere. If you would like to view insurers that offer discounts in Texas, click here to view.

Insurance agencies can give valuable advice

Some people would rather talk to a local agent and that can be a great decision One of the best bonuses of comparing insurance prices online is that you can obtain lower premium rates and still choose a local agent. Putting coverage with local agents is definitely important in Houston.

Once you complete this form (opens in new window), the coverage information is immediately sent to companies in Houston that give free quotes for your coverage. There is no need to find an agent as quotes are delivered to the email address you provide. It’s the lowest rates without the usual hassles of price shopping. If you have a need to get a rate quote for a specific company, you would need to search and find their rate quote page and complete a quote there.

If you are wanting to find a reliable agent, you need to know there are two different types of agencies that you can choose from. Agents in Houston are categorized either exclusive or independent agents depending on their company appointments.

Independent Car Insurance Agencies

Agents of this type are normally appointed by many insurers so they have the ability to put coverage through lots of different companies and get you the best rates possible. To move your coverage to a new company, the business is moved internally and you don’t have to do anything. If you are trying to find cheaper rates, it’s recommended you get several quotes from independent agents to have the most options to choose from.

Below are independent insurance agents in Houston that can give you free price quotes.

More Houston agents

Exclusive Agents

Exclusive agencies can only write with one company and examples are Farmers Insurance, American Family, State Farm and Allstate. They are unable to shop your coverage around so they are skilled at selling on more than just price. Exclusive agents are trained well in insurance sales which helps them sell insurance even at higher premiums.

Shown below are Houston exclusive insurance agents that can give you comparison quotes.

More Houston agents

Finding a good car insurance agent shouldn’t rely on just the bottom line cost. Any agent in Houston should be forthright in answering these questions:

• How many companies do they write for?
• Are they able to influence company decisions when a claim is filed?
• Are all drivers listed on the coverage quote?
• What is their Better Business Bureau rating?
• Do they receive special compensation for putting your coverage with one company over another?

After receiving good feedback to all your questions in addition to an acceptable price estimate, it’s possible that you found an insurance agent that meets the criteria to properly service your car insurance policy. Just keep in mind you are able to terminate your policy when you choose so don’t assume you are locked into your new company indefinitely.

Final considerations

As you prepare to switch companies, don’t be tempted to buy less coverage just to save a little money. In too many instances, someone sacrificed collision coverage to discover at claim time that the savings was not a smart move. Your focus should be to find the BEST coverage at the best possible price.

Lower-priced Suzuki Kizashi insurance in Houston is attainable both online in addition to local insurance agencies, and you should be comparing both to have the best rate selection. Some insurance providers do not provide online rate quotes and usually these small insurance companies work with independent insurance agencies.

More tips and info about insurance is available by following these links:

• Uninsured Motorists: Threats on the Road (Insurance Information Institute)
• What Insurance is Cheapest for 19 Year Olds in Houston? (FAQ)
• Who Has the Cheapest Houston Car Insurance for Single Moms? (FAQ)
• What Car Insurance is Cheapest for 16 Year Olds in Houston? (FAQ)
• Who Has Cheap Car Insurance Rates for Hybrid Vehicles in Houston? (FAQ)
• Who Has Affordable Auto Insurance Rates for Drivers Under 25 in Houston? (FAQ)
• Who Has Affordable Houston Auto Insurance Rates for Drivers Requiring a SR22? (FAQ)
• Preventing Carjacking and Theft (Insurance Information Institute)
• New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
• Collision Insurance Coverage (Nationwide)