Car Insurance Rates for a Suzuki Kizashi in Fort Wayne

Insurance quote for Suzuki Kizashi in Fort WayneHow many times have you said it’s time to compare more competitive Suzuki Kizashi insurance in Fort Wayne? Searching for low-cost insurance for your Suzuki Kizashi in Indiana can normally be a lot of work, but you can learn these tips to find lower rates. There are both good and bad ways to shop for insurance so we’re going to tell you the proper way to compare rates for a Suzuki and find the best price possible either online or from Fort Wayne insurance agents.

Best companies for Suzuki Kizashi insurance

The providers in the list below provide free rate quotes in Indiana. If you wish to find cheap auto insurance in IN, we suggest you visit several of them to get a more complete price comparison.

Rate information and statistics

The rate table displayed next showcases different prices for Suzuki Kizashi models. Learning how auto insurance premiums are calculated helps drivers make smart choices when selecting a policy.

Suzuki Kizashi Insurance Rates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $168 $304 $264 $16 $80 $832 $69
Kizashi S AWD $188 $304 $264 $16 $80 $852 $71
Kizashi SE $188 $304 $264 $16 $80 $852 $71
Kizashi GTS $188 $358 $264 $16 $80 $906 $76
Kizashi SE AWD $188 $358 $264 $16 $80 $906 $76
Kizashi GTS AWD $188 $358 $264 $16 $80 $906 $76
Kizashi SLS $188 $358 $264 $16 $80 $906 $76
Kizashi SLS AWD $210 $358 $264 $16 $80 $928 $77
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Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Prices do not factor in the specific area where the vehicle is garaged which can influence premiums noticeably.

Deductible analysis

When buying car insurance, a common question is how high should your deductibles be. The rates shown below may help you to understand the premium difference of buying low and high insurance deductibles. The first rate estimation uses a $100 comprehensive and collision deductible and the second price grid uses a $500 deductible.

Suzuki Kizashi insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $242 $436 $280 $16 $84 $1,083 $90
Kizashi S AWD $272 $436 $280 $16 $84 $1,113 $93
Kizashi SE $272 $436 $280 $16 $84 $1,113 $93
Kizashi GTS $272 $514 $280 $16 $84 $1,191 $99
Kizashi SE AWD $272 $514 $280 $16 $84 $1,191 $99
Kizashi GTS AWD $272 $514 $280 $16 $84 $1,191 $99
Kizashi SLS $272 $514 $280 $16 $84 $1,191 $99
Kizashi SLS AWD $304 $514 $280 $16 $84 $1,223 $102
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Suzuki Kizashi insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $176 $294 $280 $16 $84 $850 $71
Kizashi S AWD $200 $294 $280 $16 $84 $874 $73
Kizashi SE $200 $294 $280 $16 $84 $874 $73
Kizashi GTS $200 $348 $280 $16 $84 $928 $77
Kizashi SE AWD $200 $348 $280 $16 $84 $928 $77
Kizashi GTS AWD $200 $348 $280 $16 $84 $928 $77
Kizashi SLS $200 $348 $280 $16 $84 $928 $77
Kizashi SLS AWD $222 $348 $280 $16 $84 $950 $79
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Rate quotes do not factor in Fort Wayne location which can change premiums considerably.

Based on the figures above, using a $100 deductible will cost you about $21 more each month or $252 annually across all Suzuki Kizashi models than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you go at a minimum 19 months between claims, you would probably save some money if you opt for a higher deductible. Here is the way this calculation is made.

Average monthly premium for $100 deductibles: $97
Average monthly premium for $500 deductibles (subtract): – $76
Monthly savings from raising deductible: $21
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $21
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

Car insurance rates are higher with tickets and accidents

The diagram below shows how traffic citations and fender-benders can raise Suzuki Kizashi car insurance rates for different age categories. The data assumes a married male driver, comp and collision included, $100 deductibles, and no policy discounts are applied.

Cost of full coverage in Fort Wayne

The information below visualizes the comparison of Suzuki Kizashi annual premium costs with liability coverage only compared to full coverage. The information is based on no violations or claims, $250 deductibles, single marital status, and no discounts are taken into consideration.

Should you pay for full coverage or liability only?

There is no definitive guideline to delete full coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is more than about 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let’s assume your Suzuki Kizashi replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $8,000 after paying your deductible. If you are paying more than $800 a year for your policy with full coverage, then it may be the right time to buy liability only.

There are some cases where buying only liability insurance is not recommended. If you haven’t satisfied your loan, you have to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

Car insurance policy discounts you can’t miss

Auto insurance companies don’t necessarily list every available discount in a way that’s easy to find, so we took the time to find some of the best known and the harder-to-find credits that you can use to lower your rates.Car insurance discounts

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the entire cost. Some only apply to individual premiums such as medical payments or collision. Just because you may think having all the discounts means you get insurance for free, nobody gets a free ride.

The information below visualizes the comparison of Suzuki Kizashi insurance rates with and without discounts applied. The price estimates are based on a female driver, no driving violations, no at-fault accidents, Indiana state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, safe-driver, multi-policy, homeowner, and marriage discounts applied.

Popular car insurance companies and their offered discounts include:

Before you buy a policy, ask every insurance company which discounts you qualify for. Some of the discounts discussed earlier might not be available to policyholders everywhere. If you would like to see a list of insurance companies that offer some of these discounts in Fort Wayne, follow this link.

What Impacts Suzuki Kizashi Insurance Premiums?

Many things are considered when premium rates are determined. Some of the criteria are obvious like your driving record, although some other factors are not as apparent such as whether you are married or how safe your car is.

Job stress can make you pay more – Do you work in a high-stress field? Jobs such as real estate brokers, air traffic controllers, and accountants tend to pay higher premiums than the average policyholder due to job stress and long work hours. Conversely, occupations like actors, engineers and performers get better rates.

Males pay more for insurance coverage – Over the last 50 years, statistics have shown that women are safer drivers than men. However, don’t assume that men are WORSE drivers than women. Both genders tend to get into at-fault accidents in similar numbers, but the males tend to have higher claims. Men also tend to have more aggressive citations like DUI and reckless driving.

The diagram below illustrates the comparison of Suzuki Kizashi insurance prices for male and female drivers. The rate quotes are based on no claims, a clean driving record, full coverage, $100 deductibles, single marital status, and no discounts are factored in.

Costs are impacted by vehicle performance – The performance level of the vehicle you need insurance for makes a big difference in determining your rates. The lowest performance passenger vehicles generally have the cheapest insurance rates, but the final cost of insurance is determined by many other factors.

The next chart assumes a single male driver age 50, full coverage with $250 deductibles, and no discounts or violations. It illustrates Suzuki Kizashi car insurance rates compared to other makes and models that have different performance risks.

Single drivers take more risk – Being married helps lower the price when shopping for insurance. Having a significant other translates into being less irresponsible and statistics prove married drivers get in fewer accidents.

With age comes lower prices – Older people are proven to be safer behind the wheel, cause fewer claims and accidents, and usually have better credit. Inexperience drivers have a tendency to be inattentive and easily distracted with other occupants in the car so they pay higher insurance rates.

The following chart is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.

Do thieves like your car? – Driving a car that has a built-in theft deterrent system can help lower your rates. Anti-theft devices such as OnStar, LoJack tracking, and tamper alarms all help prevent your vehicle from being stolen.

Keep insurance claims to a minimum – Companies in Indiana give the best rates to people who only file infrequent claims. If you file claims often, you can pretty much guarantee either policy cancellation or increased premiums. Your car insurance is designed for major claims that would cause financial hardship.

Can’t I compare rate quotes from local Fort Wayne car insurance agents?

Certain consumers just prefer to talk to a local agent. Licensed agents can help you build your policy and give you someone to call. An additional benefit of comparing rate quotes online is you may find the lowest rates and still buy from a local agent.

Insurance agents in Fort WayneBy using this quick form, your information is sent to companies in Fort Wayne who will return price quotes to get your business. It makes it easy because there is no need to even leave your home due to the fact that quote results will go instantly to you. In the event you want to get a price quote from a specific company, don’t hesitate to search and find their rate quote page and give them your coverage information.

Choosing an company is decision based upon more than just a cheap quote. Any agent in Fort Wayne should be willing to answer these questions.

The different types of car insurance agents

When finding a local Fort Wayne insurance agency, it helps to know the two types of insurance agents to choose from. Agencies in Fort Wayne are categorized either exclusive or independent (non-exclusive). Both types of agents can write policy coverage, but we need to point out why they differ since it can impact which agent you choose.

Exclusive Insurance Agents

Exclusive insurance agents work for only one company like State Farm, Allstate, or Farmers Insurance. Exclusive agents are unable to provide rate quotes from other companies so it’s a take it or leave it situation. Exclusive insurance agents receive extensive training on what they offer which helps them compete with independent agents. Consumers sometimes purchase coverage from exclusives partially due to high brand loyalty rather than having the cheapest rates.

The following are exclusive insurance agents in Fort Wayne that can give you price quotes.

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Independent Insurance Agents

Independent agencies are not employed by one company and that gives them the ability to insure with an assortment of companies enabling the ability to shop coverage around. If they find a cheaper price, they simply move the coverage in-house and that require little work on your part. When comparing insurance prices, we recommend you get several quotes from a few independent agents to have the best price comparison. They often place coverage with small regional insurance companies that many times have cheaper rates.

Shown below are Fort Wayne independent agents that can give you rate quotes.

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Which car insurance company is best in Fort Wayne?

Buying coverage from a good quality insurance provider can be a challenge considering how many different insurance companies sell coverage in Fort Wayne. The rank data in the next section could help you analyze which car insurance companies to look at putting your business with.

Best Car Insurance Companies in Fort Wayne
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Best Car Insurance Companies

Cheap coverage is out there

In this article, we covered some good ideas how you can reduce Suzuki Kizashi insurance rates online in Fort Wayne. It’s most important to understand that the more you quote Fort Wayne car insurance, the better your comparison will be. Consumers could even find that the lowest rates are with a smaller regional carrier.

Cheaper Suzuki Kizashi insurance in Fort Wayne is available on the web and also from your neighborhood Fort Wayne agents, and you need to price shop both to have the best selection. Some insurance companies may not offer the ability to get a quote online and usually these regional carriers provide coverage only through independent insurance agencies.

When you buy Fort Wayne car insurance online, it’s a bad idea to buy poor coverage just to save money. There are many occasions where consumers will sacrifice full coverage only to find out that the savings was not a smart move. Your objective should be to buy the best coverage you can find at the best cost, not the least amount of coverage.

Steps to saving on Suzuki Kizashi insurance in Fort Wayne

Truthfully, the best way to get cheaper Suzuki Kizashi insurance in Fort Wayne is to make a habit of comparing prices annually from insurers that insure vehicles in Indiana. Price quotes can be compared by completing these steps.

One bit of advice is to make sure you’re comparing the same level of coverage on each quote and and to get price quotes from all possible companies. Doing this provides the most accurate price comparison and a complete price analysis.

More tips and info about car insurance can be read by following these links: