Are you searching for low-cost Suzuki Kizashi insurance in Austin? Tired of sacrificing to pay high insurance rates every month? You have the same problem as many other people in Texas.
Regrettably, the vast majority of insurance customers in Texas have stayed with the same insurance company for at least four years, and virtually 40% of consumers have never compared insurance rates at all. American consumers could save roughly 47% every year just by shopping around, but they don’t know the big savings they would realize if they switched to a cheaper policy. People have multiple insurers to choose from, and though it is a good thing to have a choice, more options can take longer to find the lowest cost provider for Suzuki Kizashi insurance in Austin.
It is always a good idea to do rate comparisons before your next renewal because insurance prices are variable and change quite frequently. Even if you think you had the lowest quotes on Suzuki Kizashi insurance in Austin two years ago a different company probably has better rates today. There is too much inaccurate information about Kizashi insurance online, but by reading this article, you’re going to learn a lot of great tips on how to stop overpaying for insurance in Austin.
Finding the cheapest auto insurance coverage in Austin seems hard but is not really that difficult. If you have a policy now or are looking for a new policy, take advantage of these tips to find better prices and still have adequate protection. You only need to know the proper way to find the lowest price from many companies at once.
Best companies for Suzuki Kizashi insurance
The auto insurance companies shown below have been selected to offer price quotes in Texas. If multiple companies are listed, we recommend you click on several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Kizashi S | $282 | $580 | $430 | $26 | $128 | $1,446 | $121 |
| Kizashi S AWD | $200 | $306 | $388 | $24 | $116 | $1,034 | $86 |
| Kizashi SE | $286 | $512 | $430 | $26 | $128 | $1,382 | $115 |
| Kizashi GTS | $422 | $698 | $500 | $30 | $150 | $1,800 | $150 |
| Kizashi SE AWD | $232 | $462 | $400 | $24 | $120 | $1,238 | $103 |
| Kizashi GTS AWD | $256 | $486 | $358 | $22 | $108 | $1,230 | $103 |
| Kizashi SLS | $260 | $532 | $496 | $30 | $148 | $1,466 | $122 |
| Kizashi SLS AWD | $318 | $602 | $430 | $26 | $128 | $1,504 | $125 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Prices do not factor in specific zip code location which can influence auto insurance rates substantially.
Cost comparison with and without full coverage
The chart below illustrates the comparison of Suzuki Kizashi auto insurance costs with full coverage and liability only. The data assumes no tickets, no at-fault accidents, $500 deductibles, single female driver, and no discounts are applied to the premium.
Guidelines for eliminating full coverage
There is no clear-cut rule for eliminating full coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is about 10% or more of replacement cost minus your deductible, then you may want to consider only buying liability coverage.
For example, let’s pretend your Suzuki Kizashi replacement cost is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $5,000 after you pay the deductible. If it’s costing you more than $500 annually for full coverage, then it might be time to consider dropping full coverage.
There are some situations where eliminating full coverage is not in your best interest. If you still have a lienholder on your title, you have to carry full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not drop full coverage.
Auto insurance discounts help lower rates for Suzuki Kizashi insurance in Austin
Companies that sell car insurance don’t always list their entire list of discounts in a way that’s easy to find, so we took the time to find some of the best known and also the more inconspicuous credits that you can use to lower your rates.
- Drivers Education – Cut your cost by having your teen driver participate in a local driver’s education class if offered at their school.
- Defensive Driver Discount – Completing a driver safety course could cut 5% off your bill if you qualify.
- Waiver for an Accident – Not really a discount, but certain companies will allow you to have one accident without the usual rate increase if your claims history is clear for a particular time prior to the accident.
- Multiple Policy Discount – If you can bundle your auto and homeowners insurance and insure them with the same company they may give you a discount of approximately 10% to 15%.
- Telematics Data Discounts – Policyholders that allow their auto insurance company to look at when and where they use their vehicle by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if they show good driving skills.
- E-sign Discounts – Some companies will give a small break for buying your policy digitally online.
- Discounts for Federal Employees – Being employed by or retired from a federal job may reduce rates when you quote Austin auto insurance with some auto insurance companies.
- Renewal Discounts – A few insurance companies allow discounts for buying a new policy prior to your current Kizashi insurance policy expiration. This can save 10% or more.
- Anti-lock Brake Discount – Cars and trucks with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
- Drive Safe and Save – Drivers without accidents can save as much as half off their rates than less cautious drivers.
Discounts reduce rates, but you should keep in mind that some of the credits will not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.
A few popular companies and a partial list of their discounts are shown below.
- GEICO discounts include daytime running lights, air bags, membership and employees, good student, seat belt use, and emergency military deployment.
- Travelers has discounts for student away at school, early quote, driver training, home ownership, IntelliDrive, and multi-car.
- Farm Bureau has savings for multi-vehicle, driver training, multi-policy, 55 and retired, good student, and renewal discount.
- Liberty Mutual may have discounts that include hybrid vehicle, newly married, safety features, new graduate, multi-car, and newly retired.
- American Family offers discounts for defensive driver, early bird, TimeAway discount, good driver, and Steer into Savings.
- Progressive offers premium reductions for multi-vehicle, homeowner, continuous coverage, online signing, and good student.
Before purchasing a policy, check with every prospective company the best way to save money. A few discounts may not be available in Austin. To find auto insurance companies with discount rates in Texas, click this link.
Your situation helps dictate your coverage
When choosing your policy, there really isn’t a “perfect” insurance plan. Everyone’s situation is a little different.
For instance, these questions may help highlight whether you would benefit from an agent’s advice.
- Am I better off with higher deductibles on my Suzuki Kizashi?
- Is my ex-spouse still covered by my policy?
- Does coverage extend to a rental car in a foreign country?
- Does my liability insurance cover pulling a trailer or camper?
- Is my teenager covered with friends in the car?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.
Are insurance agencies of importance?
Many people prefer to sit down with an agent and that is a smart decision Professional agents can help determine the best coverages and help submit paperwork. A nice benefit of getting free rate quotes online is the fact that you can find cheap auto insurance quotes and still buy from a local agent.
After filling out this short form, your insurance coverage information is sent to local insurance agents that can provide free Austin auto insurance quotes for your coverage. There is no need to find an agent due to the fact that quote results will go directly to your email. If you have a need to get a price quote from one company in particular, you would need to go to their quote page and submit a quote form there.
Deciding on an insurance company shouldn’t rely on just the quoted price. These questions are important to ask:
- Do they have any clout with companies to ensure a fair claim settlement?
- Is vehicle damage repaired with OEM or aftermarket parts?
- How much can you save by raising your physical damage deductibles?
- Is the coverage adequate for your vehicle?
- Where would glass claims be handled in Austin?
- Is assistance available after office hours?
- Will they give you a referral list?
Different types of Austin car insurance agents
If you would like to find a reliable insurance agency, you should know the different agency structures and how they differ in how they quote coverages. Agents can be described as either independent agents or exclusive agents depending on their employer. Both types of agents can provide auto insurance policies, but it’s good to learn the difference in how they write coverage since it may influence which type of agent you select.
Exclusive Agents
Exclusive insurance agents work for only one company such as AAA, State Farm, Farmers Insurance, and Allstate. These agents are not able to provide prices from multiple companies so they have no alternatives for high prices. Exclusive agencies are very knowledgeable on sales techniques and that allows them to sell at a higher price point.
The following are exclusive insurance agencies in Austin that can give you comparison quotes.
David Simmons – State Farm Insurance Agent
1910 W Braker Ln #400 – Austin, TX 78758 – (512) 837-8825 – View Map
Karen Hall – State Farm Insurance Agent
7004 Bee Cave Rd #3 – Austin, TX 78746 – (512) 327-6200 – View Map
J B Ruebsahm – State Farm Insurance Agent
1901 W William Cannon Dr #131 – Austin, TX 78745 – (512) 444-1845 – View Map
Independent Insurance Agents
Agents that choose to be independent are not locked into one company and that allows them to write policies with an assortment of companies and get you the best rates possible. If they find a lower price, your agent can switch companies and you won’t have to switch agencies.
When comparing rates, it’s recommended you include a couple of independent agencies to get the best comparison.
The following are Austin independent insurance agencies that can give you comparison quotes.
Greater Texas Insurance
9809 Anderson Mill Rd – Austin, TX 78750 – (512) 250-5055 – View Map
Ed Weeren Insurance Agency
300 E Highland Mall Blvd #208 – Austin, TX 78752 – (512) 454-5266 – View Map
Greater Austin Insurance Inc
11824 Jollyville Rd # 202 – Austin, TX 78759 – (512) 250-1777 – View Map
Auto insurance buyers beware
Consumers can’t escape the ads for the lowest price auto insurance from the likes of State Farm, GEICO and Progressive. All the companies convey the message about savings if you change your policy.
How is it plausible that every one can save you money on Suzuki Kizashi insurance in Austin? It’s all in the words they use.
Most companies provide the lowest rates for the type of driver they prefer to insure. For example, a preferred risk should be a married female, owns a home, and drives less than 7,500 miles a year. Any person who matches those parameters will get a cheap rate quote in Austin as well as save a lot on Austin Suzuki Kizashi insurance if they switch.
Potential insureds who do not fit these criteria will get a higher rate and this can result in business not being written. The ads state “customers that switch” not “everybody who quotes” save that much when switching. That’s the way insurance companies can state the savings. This really illustrates why you really should get a wide range of price quotes. It’s just too difficult to predict with any certainty which company will provide the lowest Suzuki Kizashi insurance in Austin.
Shop smart and save
In this article, we presented some good ideas how to compare Suzuki Kizashi insurance rates in Austin. The key thing to remember is the more rate quotes you have, the better likelihood of getting affordable Suzuki Kizashi insurance quotes. You may even find the best price on car insurance is with a company that doesn’t do a lot of advertising.
People switch companies for a number of reasons such as policy cancellation, delays in paying claims, lack of trust in their agent or even not issuing a premium refund. Regardless of your reason, finding a new company is not as hard as you think.
When you buy Austin auto insurance online, it’s very important that you do not skimp on coverage in order to save money. There are many occasions where an insured cut liability coverage limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal is to buy a smart amount of coverage at a price you can afford and still be able to protect your assets.
More tips and info about car insurance is located by following these links:
- Vehicle Safety Ratings (iihs.org)
- Who Has Cheap Austin Auto Insurance Quotes for a Nissan Sentra? (FAQ)
- Winter Driving (Insurance Information Institute)
- Car Insurance FAQ (Trusted Choice)