Cheap Insurance for a Suzuki Kizashi in Bakersfield

Vehicle owners who are new to comparison shopping online may discover buying inexpensive Suzuki Kizashi insurance in Bakersfield is harder than it should be.

How to find the cheapest rates for Suzuki Kizashi insurance in Bakersfield

The easiest way to quote cheaper car insurance rates is to compare prices annually from companies that sell auto insurance in Bakersfield.

• First, take a little time to learn about car insurance and the things you can control to keep rates low. Many factors that result in higher prices such as traffic citations, accidents, and an imperfect credit rating can be amended by making minor driving habit or lifestyle changes.
• Second, compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from one company like GEICO or Farmers Insurance, while independent agents can provide rate quotes for a wide range of companies.
• Third, compare the new rates to the premium of your current policy and determine if there is any savings. If you find a lower rate and switch companies, make sure coverage is continuous and does not lapse.

The critical component of shopping around is to use identical deductibles and limits on every price quote and and to get quotes from as many carriers as you can. Doing this enables an accurate price comparison and a better comparison of the market.

Remarkably, a study showed that a large majority of drivers kept buying from the same company for at least four years, and virtually 40% of consumers have never compared rates from other carriers. With the average premium in California being $1,390, drivers could save nearly 35% each year just by shopping around, but they just don’t understand the benefits if they switched to a more affordable policy.

It’s a good idea to get comparison quotes at least once a year since insurance prices are constantly changing. Even if you got the lowest quotes on Suzuki Kizashi insurance in Bakersfield a couple years back you can probably find a better rate now. There are a lot of ways to save on Kizashi insurance out there, but we’re going to give you a lot of great tips on how to put money back in your pocket.

Quoting and comparing more affordable insurance policy in Bakersfield is not that difficult. Just about everyone who is looking for cheaper insurance most likely will find a better price. But California drivers can benefit by having an understanding of the way insurance companies sell online and use it to find better rates.

Best Suzuki Kizashi insurance rates in California

The following companies are our best choices to provide price comparisons in California. If several companies are displayed, we recommend you visit several of them to get the most competitive price.

Suzuki Kizashi detailed coverage information

The premium information displayed below highlights different insurance prices for Suzuki Kizashi models. Understanding more about how auto insurance premiums are determined is important for making smart choices when selecting a coverage provider.

Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate quotes do not factor in specific Bakersfield garaging location which can change premiums greatly.

Rate comparison for different deductibles

One of the hardest decisions when shopping for insurance is how high should your deductibles be. The figures shown below summarize the costs and benefits between low and high insurance deductibles. The first set of prices uses a $100 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Price estimates do not factor in specific Bakersfield garaging location which can revise premiums noticeably.

Based on the figures above, using a $100 deductible could cost the average driver approximately $48 more each month or $576 every year across all Suzuki Kizashi models than choosing the higher $1,000 deductible. Because you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 19 months between claim filings, you would save money if you opt for a higher deductible.

The information below illustrates how choosing a deductible and can raise or lower Suzuki Kizashi premium costs for different age groups. The premiums assume a married female driver, full coverage, and no discounts are applied.

Full coverage rates compared to liability-only

The diagram below compares Suzuki Kizashi premium costs with liability coverage only compared to full coverage. The information is based on no accidents or driving violations, $100 deductibles, drivers are single, and no additional discounts are factored in.

Guidelines for dropping full coverage

There isn’t a written rule for phasing out comprehensive and collision coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

For example, let’s assume your Suzuki Kizashi claim settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $3,000 after the deductible is paid. If you are paying over $300 annually for full coverage, then it may be the right time to buy liability only.

There are some conditions where only buying liability is not recommended. If you still have a lienholder on your title, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.

Discount Bakersfield car insurance rates

Car insurance is not inexpensive, but you might find some hidden discounts that you may not even be aware of. Most are applied when you complete an application, but lesser-known reductions have to be inquired about before you will receive the discount.

• Discount for Good Grades – Maintaining excellent grades can get you a discount of up to 25%. The discount lasts up until you turn 25.
• Senior Citizen Rates – If you qualify as a senior citizen, you can possibly qualify for better car insurance rates.
• New Vehicle Savings – Putting insurance on a new Kizashi can get you a discount because new model year vehicles are generally safer.
• Drivers Ed for Students – Cut your cost by having your teen driver enroll and complete driver’s education as it will make them better drivers and lower rates.
• Accident Forgiveness Coverage – Not necessarily a discount, but companies like Progressive, State Farm and GEICO may permit one accident without getting socked with a rate hike so long as you haven’t had any claims for a set time period.
• Responsible Drivers – Drivers who don’t get into accidents may save up to 50% more than less cautious drivers.
• Theft Deterrent – Anti-theft and alarm system equipped vehicles can help prevent theft and therefore earn up to a 10% discount.
• ABS Braking Discount – Cars with ABS and/or traction control can reduce accidents and the ABS can save up to 10%.
• Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
• Auto/Life Discount – Larger car insurance companies have a discount if you purchase some life insurance too.

As is typical with insurance, most credits do not apply to the entire cost. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, companies don’t profit that way.

The diagram below compares Suzuki Kizashi car insurance rates with and without discounts applied to the premium. The data assumes a female driver, no claims or driving citations, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, homeowner, safe-driver, marriage, and claim-free discounts applied.

For a list of insurance companies that have a full spectrum of discounts in Bakersfield, follow this link.

You are unique and your insurance should be too

When selecting a policy for your personal vehicles, there isn’t really a “perfect” insurance plan. Your situation is unique so this has to be addressed. Here are some questions about coverages that could help you determine whether you might need professional guidance.

• Does my policy cover my teen driver if they drive my company car?
• Are there companies who specialize in insuring high-risk drivers?
• Does coverage extend to my business vehicle?
• If my car is totaled with they pay enough to replace it?
• Am I getting all the discounts available?
• Is my ex-spouse still covered by my policy?
• Should I have combined single limit or split liability limits?
• Is there a penalty for late payment?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Exclusive and independent insurance agents

Some consumers prefer to get advice from a local agent and that is recommended in a lot of cases The best thing about getting free rate quotes online is you may find cheap car insurance rates and still buy from a local agent. And providing support for local agents is definitely important in Bakersfield.

For easy comparison, once you complete this quick form, the quote information is emailed to participating agents in Bakersfield that give free quotes for your insurance coverage. There is no need to even leave your home since price quotes are sent instantly to you. You’ll get the best rates without a big time investment. If you have a need to get a rate quote from a specific company, you would need to navigate to their website to submit a rate quote request.

Below are agents in Bakersfield that are able to give price quote information for Suzuki Kizashi insurance in Bakersfield.

• Allstate Insurance: Megan Waite
  4200 Easton Dr #1 – Bakersfield, CA 93309 – (661) 327-3486 – View Map
• Allstate Insurance: Diana Martinez
  6300 White Ln T – Bakersfield, CA 93309 – (661) 827-8800 – View Map
• Farmers Insurance: Eric Peters
  1519 Eye St – Bakersfield, CA 93301 – (661) 872-8113 – View Map
• Miroslava Hernandez Insurance Agency
  6433 E Brundage Ln # 2 – Bakersfield, CA 93307 – (661) 326-7200 – View Map

View more agents

Picking the best insurance company is decision based upon more than just the premium amount. These are valid questions to ask:

• Is vehicle damage repaired with OEM or aftermarket parts?
• Do they have 24-hour customer assistance?
• What company holds the largest book of business for them?
• Will the agent or a CSR service your policy?
• Do they assist clients in filing claims?
• If you raise deductibles, how much can you save?
• Will their companies depreciate repairs to your car based on the mileage?

After receiving good responses to all your questions as well as offering an affordable quote, chances are good that you have found an insurance company that can properly service your car insurance policy. Just understand that it’s your policy and you can cancel your policy at any point so never assume that you are obligated to any particular company with no way out.

Cheap auto insurance is out there

You just learned many tips how you can save on Suzuki Kizashi insurance in Bakersfield. The key thing to remember is the more quotes you get, the better chance you’ll have of finding the cheapest Suzuki Kizashi rate quotes. You may even find the most savings is with a smaller regional carrier. These smaller insurers can often provide lower rates in certain areas than their larger competitors like State Farm or Progressive.

When you buy Bakersfield auto insurance online, you should never sacrifice coverage to reduce premiums. There are many occasions where someone sacrificed uninsured motorist or liability limits only to find out that it was a big mistake. The goal is to get the best coverage possible at an affordable rate and still be able to protect your assets.

How to save on Suzuki Kizashi insurance in Bakersfield

Truthfully, the best way to find affordable quotes for car insurance rates is to do an annual price comparison from companies who can sell car insurance in Bakersfield.

• First, it will benefit you to learn about how auto insurance works and the modifications you can make to keep rates low. Many rating factors that are responsible for high rates like getting speeding tickets and a substandard credit history can be amended by making minor changes in your lifestyle.
• Second, request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from one company like Progressive or Allstate, while independent agents can provide rate quotes from many different companies.
• Third, compare the new rates to your existing policy to see if a cheaper price is available in Bakersfield. If you find a better price and switch companies, make sure there is no coverage gap between policies.
• Fourth, notify your current company to cancel the current policy and submit a down payment and signed policy application to your new carrier. As soon as you can, put the new proof of insurance paperwork along with the vehicle’s registration papers.

A key point to remember is to try to compare identical coverage information on each quote and and to get rate quotes from as many companies as possible. Doing this enables a level playing field and a complete price analysis.

Much more information about auto insurance in California can be read at the links below

• Understanding your Policy (NAIC.org)
• Who Has the Cheapest Car Insurance for a Nissan Rogue in Bakersfield? (FAQ)
• What Auto Insurance is Cheapest for Drivers with a DUI in Bakersfield? (FAQ)
• Distracted Driving Statistics (Insurance Information Institute)
• Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)