Affordable Suzuki Kizashi Insurance in Virginia Beach

If you’re shopping for lower-priced insurance on the web, do you get frustrated by the sheer number of auto insurance choices in Virginia Beach? Many other drivers are too. You have so many choices that it can really be a chore to locate the lowest rates for Suzuki Kizashi insurance in Virginia Beach. Lots of people think Virginia Beach is a wonderful place to live, but inflated auto insurance prices can make it nearly impossible to meet other financial obligations.

It’s well known that auto insurance companies don’t want customers comparing rates. Drivers who shop around for cheaper price quotes will, in all likelihood, buy a new policy because they have good chances of finding a policy with more affordable rates. A study showed that drivers who shopped around annually saved over $865 a year compared to people who never compared prices.

If finding the lowest price for Suzuki Kizashi insurance is your ultimate target, then having a good understanding how to find and compare coverage rates can make the process more efficient.

If you’re already insured, you will definitely be able to cut your premiums using these methods. This information will instruct you on the best way to quote coverages and how you can save the most money. Although Virginia car owners do need to learn how insurance companies charge you for coverage and take advantage of how the system works.

All the larger insurance companies allow you to get price estimates on the web. Getting quotes for Suzuki Kizashi insurance in Virginia Beach doesn’t take much effort as all you need to do is type in the coverages you want into the quote form. After you submit the form their rating system gets information on your driving record and credit history and returns pricing information based on the data you entered.

This streamlines rate comparisons, and it is important to do this if you want to find a lower rate.

To quickly fill out one form to compare multiple rates now, compare quotes from the companies shown below. If you have a policy now, it’s recommended that you enter deductibles and limits exactly as shown on your declarations page. This makes sure you will be getting a rate comparison based on similar coverages.

The auto insurance companies shown below can provide price comparisons in Virginia Beach, VA. If multiple companies are listed, we recommend you visit as many as you can to get the most competitive price.

Suzuki Kizashi insurance coverage information

The premium table displayed below showcases detailed analysis of insurance premium costs for Suzuki Kizashi models. Having a good grasp of how insurance premiums are calculated helps drivers make decisions when shopping around.

Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Price estimates do not factor in vehicle location which can increase or decrease price quotes substantially.

Physical damage deductibles

One of the more difficult decisions when buying insurance is how high or low should comp and collision deductibles be. The rates shown below may aid in understanding the rate differences between low and high coverage deductibles. The first data table uses a $100 physical damage coverage deductible and the second rate chart uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Table data does not factor in garaging location in Virginia Beach which can alter premium rates significantly.

Based on the data above, we can derive that using a $100 deductible costs roughly $20 more each month or $240 annually across all Suzuki Kizashi models than opting for the higher $500 deductible. Since the policyholder would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 20 months between claim filings, you would most likely save money by selecting a higher deductible.

One important note is that raising deductibles to save money results in a higher out-of-pocket expense when you have a claim. That will force you to have some funds available in order to pay the deductible for vehicle repair.

How accidents and violations affect rates

The chart below illustrates how violations and fender-benders can increase Suzuki Kizashi insurance costs for different categories of driver ages. The rate quotes are based on a single male driver, full physical damage coverage, $250 deductibles, and no discounts are applied.

Suzuki Kizashi liability-only versus full coverage

The diagram below visualizes the comparison of Suzuki Kizashi auto insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Virginia. The costs are based on no violations or claims, $1,000 deductibles, single marital status, and no discounts are factored in.

When to buy liability coverage only

There is no definitive rule of when to exclude full coverage, but there is a general school of thought. If the annual cost of having full coverage is more than about 10% of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.

For example, let’s say your Suzuki Kizashi book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $5,000 after paying the physical damage deductible. If you are currently paying more than $500 a year for full coverage, then it may be the right time to buy liability only.

There are some cases where only buying liability is not a good plan. If you have an outstanding loan on your vehicle, you have to maintain full coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Why you need insurance

Despite the high cost of buying insurance for a Suzuki Kizashi in Virginia Beach, insurance serves an important purpose.

• The majority of states have mandatory liability insurance requirements which means you are required to buy a minimum amount of liability insurance in order to be legal. In Virginia these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
• If you took out a loan on your Suzuki, it’s guaranteed your bank will require that you have full coverage to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the lender may have to buy a policy to insure your Suzuki at a significantly higher premium and force you to pay the higher price.
• Insurance safeguards not only your car but also your financial assets. It also can pay for medical expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, will also pay for a defense attorney if you cause an accident and are sued. If your Suzuki gets damaged, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of having insurance are without a doubt worth the cost, especially with large liability claims. As of last year, the average driver in Virginia overpays as much as $855 a year so it’s recommended you shop around every year to be sure current rates are still competitive.

There’s no such thing as the perfect auto insurance policy

When it comes to choosing insurance from an agent or online, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that may help highlight if your insurance needs would benefit from an agent’s advice.

• What if I don’t agree with a claim settlement offer?
• What is no-fault insurance?
• What happens if I owe more than my Suzuki Kizashi is worth?
• Does my car insurance cover rental cars?
• Is my custom stereo system covered?
• Are combined or split liability limits better?

If you can’t answer these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form.

Car insurance coverage considerations

Knowing the specifics of your car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Collision insurance

This coverage pays for damage to your Kizashi resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as damaging your car on a curb, hitting a mailbox and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible on your Kizashi to get cheaper collision coverage.

Comprehensive insurance

This pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hail damage, damage from a tornado or hurricane, theft and fire damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Suzuki Kizashi.

Due to the fact that many Virginia drivers only carry the minimum required liability limits (25/50/20 in Virginia), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like funeral costs, rehabilitation expenses, EMT expenses and X-ray expenses. They are often used in conjunction with a health insurance plan or if you do not have health coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability auto insurance

This protects you from injuries or damage you cause to a person or their property. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/20 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $20,000 of coverage for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as repair bills for other people’s vehicles, legal defense fees and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible. Virginia state minimum liability requirements are 25/50/20 but you should think about purchasing more coverage.

The chart below shows why buying the state minimum limits may not be enough coverage.

Cheap auto insurance rates are possible

Drivers switch companies for many reasons like not issuing a premium refund, poor customer service, an unsatisfactory settlement offer or unfair underwriting practices. Regardless of your reason for switching companies, finding the right auto insurance provider is not as difficult as it may seem.

As you restructure your insurance plan, it’s very important that you do not skimp on coverage in order to save money. Too many times, an insured dropped uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. Your aim should be to get the best coverage possible at an affordable rate, but don’t skip important coverages to save money.

Lower-priced Suzuki Kizashi insurance in Virginia Beach can be purchased on the web in addition to many Virginia Beach insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance providers may not provide online rate quotes and many times these smaller providers prefer to sell through independent insurance agencies.

Steps to finding lower priced Suzuki Kizashi insurance in Virginia Beach

If saving the most money is your goal, then the best way to find more affordable Suzuki Kizashi insurance in Virginia Beach is to compare prices once a year from different companies who provide auto insurance in Virginia. Prices can be compared by following these steps.

• Step 1: Try to learn a little about what is in your policy and the measures you can control to prevent expensive coverage. Many rating factors that are responsible for high rates like speeding and a negative credit score can be remedied by making lifestyle changes or driving safer.
• Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only provide price estimates from a single company like Progressive and State Farm, while independent agents can quote rates from multiple insurance companies.
• Step 3: Compare the new quotes to your existing policy to determine if switching companies saves money. If you can save money and switch companies, make sure coverage is continuous and does not lapse.
• Step 4: Give proper notification to your current agent or company of your intention to cancel your existing policy. Submit the completed application along with a down payment to the newly selected company. Once the application is submitted, store the proof of insurance certificate in an easily accessible location in your vehicle.

An important note is to compare identical coverage information on every price quote and and to get rate quotes from as many different insurance providers as possible. This ensures an accurate price comparison and the best rate selection.

Additional resources

• Neck Injury FAQ (iihs.org)
• Who Has the Cheapest Auto Insurance Rates for a Nissan Altima in Virginia Beach? (FAQ)
• What Car Insurance is Cheapest for a Ford Explorer in Virginia Beach? (FAQ)
• Information for Teen Drivers (GEICO)
• Distracted Driving Statistics (Insurance Information Institute)
• Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
• How to Avoid Staged Accidents (State Farm)