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.

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.

Discount Suzuki Kizashi insuranceAmazingly, 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.

Suzuki Kizashi Insurance Rates in Cincinnati, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $170 $290 $232 $14 $70 $776 $65
Kizashi S AWD $192 $290 $232 $14 $70 $798 $67
Kizashi SE $192 $290 $232 $14 $70 $798 $67
Kizashi GTS $192 $342 $232 $14 $70 $850 $71
Kizashi SE AWD $192 $342 $232 $14 $70 $850 $71
Kizashi GTS AWD $192 $342 $232 $14 $70 $850 $71
Kizashi SLS $192 $342 $232 $14 $70 $850 $71
Kizashi SLS AWD $214 $342 $232 $14 $70 $872 $73
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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.

Suzuki Kizashi insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $176 $296 $226 $14 $68 $805 $67
Kizashi S AWD $198 $296 $226 $14 $68 $827 $69
Kizashi SE $198 $296 $226 $14 $68 $827 $69
Kizashi GTS $198 $348 $226 $14 $68 $879 $73
Kizashi SE AWD $198 $348 $226 $14 $68 $879 $73
Kizashi GTS AWD $198 $348 $226 $14 $68 $879 $73
Kizashi SLS $198 $348 $226 $14 $68 $879 $73
Kizashi SLS AWD $220 $348 $226 $14 $68 $901 $75
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Suzuki Kizashi insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $108 $186 $226 $14 $68 $602 $50
Kizashi S AWD $122 $186 $226 $14 $68 $616 $51
Kizashi SE $122 $186 $226 $14 $68 $616 $51
Kizashi GTS $122 $220 $226 $14 $68 $650 $54
Kizashi SE AWD $122 $220 $226 $14 $68 $650 $54
Kizashi GTS AWD $122 $220 $226 $14 $68 $650 $54
Kizashi SLS $122 $220 $226 $14 $68 $650 $54
Kizashi SLS AWD $136 $220 $226 $14 $68 $664 $55
Get Your Own Custom Quote Go

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.

Average monthly premium for $250 deductibles: $72
Average monthly premium for $1,000 deductibles (subtract): – $53
Monthly savings from raising deductible: $19
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $19
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 39 months

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.Insurance discounts

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.

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.

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.Auto insurance savings

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

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.

Insurance agency in CincinnatiBy 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.

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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.

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

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.

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