Save Money on Suzuki Kizashi Insurance in Jacksonville

It’s safe to conclude that insurance companies don’t want you comparing rates. Consumers who shop around at least once a year will, in all likelihood, switch companies because the odds are good of finding a lower rate. A study discovered that drivers who compared rates regularly saved over $70 a month compared to policyholders who never shopped for cheaper rates.

If finding the lowest price on car insurance in Jacksonville is your ultimate goal, then having a good understanding how to quote prices and compare auto insurance can make the process more efficient.

If saving the most money is your goal, then the best way to get discount Suzuki Kizashi insurance is to start doing an annual price comparison from providers who provide car insurance in Jacksonville. You can shop around by completing these steps.

• First, spend a few minutes and learn about policy coverages and the things you can change to prevent high rates. Many rating criteria that cause high rates such as your driving record and a less-than-favorable credit rating can be remedied by making minor changes to your lifestyle. This article gives tips to get cheaper coverage and find additional discounts you may qualify for.
• Second, compare rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from a single company like GEICO and State Farm, while independent agencies can provide prices from many different companies. View companies
• Third, compare the quotes to your current policy premium and see if there is a cheaper rate. If you can save money, ensure there is no coverage lapse between policies.
• Fourth, provide proper notification to your current company to cancel your existing policy. Submit the application along with any required down payment to the new company. Immediately upon receiving it, put the new certificate verifying coverage with the vehicle registration.

One thing to remember is to make sure you’re comparing the same coverage limits and deductibles on each price quote and and to compare as many car insurance companies as possible. This enables a fair price comparison and plenty of rates choose from.

Quoting and comparing the best-priced coverage in Jacksonville is easy to do. If you already have coverage or need new coverage, you can use these techniques to lower your rates and possibly find even better coverage. Shoppers only need an understanding of the proper methods to shop for car insurance online from multiple companies.

Affordable Suzuki insurance rates in Jacksonville

The companies shown below offer free quotes in Jacksonville, FL. If more than one company is shown, it’s a good idea that you visit several of them to get the lowest price.

Insurance rate breakdown

The data table below highlights detailed analysis of insurance policy prices for Suzuki Kizashi models. Having a better idea how policy premiums are figured is important for you to make smart choices when purchasing an insurance policy.

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Estimates do not factor in specific zip code location which can modify coverage prices noticeably.

Comparison of policy deductibles

When comparing car insurance rates, the most common question is where should you set your physical damage deductibles. The data tables below summarize the rate fluctuation when you choose different deductibles. The first rate comparisons uses a $250 deductible and the second set of rates uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rates do not factor in specific location which can influence rates noticeably.

Based on these figures, using a $250 deductible will cost in the ballpark of $17 more each month or $204 for a full year than choosing the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 15 months between claims, you would probably come out ahead if you decide on a higher deductible.

The chart below demonstrates how deductible levels and can increase or decrease Suzuki Kizashi insurance prices for different ages of insureds. The costs are based on a married male driver, full coverage, and no additional discounts are factored in.

Liability only or full coverage

The illustration below shows the difference between Suzuki Kizashi insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data is based on no violations or accidents, $250 deductibles, single marital status, and no other discounts are factored in.

When to buy liability coverage only

There is no clear-cut formula to stop buying comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your Suzuki Kizashi replacement cost is $7,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $6,000 after the deductible is paid. If you are paying over $600 a year to have full coverage, then you might consider buying liability only.

There are a few cases where removing full coverage is not in your best interest. If you still owe money on your vehicle, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage.

Save with these discounts

Car insurance companies don’t always advertise every available discount in a way that’s easy to find, so the list below details a few of the more well known and also the lesser-known credits available to you.

• One Accident Forgiven – This isn’t a discount exactly, but some insurance companies may permit one accident without getting socked with a rate hike as long as you don’t have any claims for a certain period of time.
• Military Discounts – Being deployed with a military unit could mean lower rates.
• Save over 55 – Drivers over the age of 55 could receive lower premium rates.
• Include Life Insurance and Save – Not all car insurance companies offer life insurance, but some may give you a discounted rate on car insurance if you buy some life insurance in addition to your auto policy.
• Theft Deterrent System – Vehicles that have factory alarm systems and tracking devices help deter theft and that can save you a little bit as well.
• Discount for Low Mileage – Low mileage vehicles may allow you to get discounted prices on garaged vehicles.
• Onboard Data Collection – People who choose to allow companies to study driving patterns by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks if they have good driving habits.
• Smart Student Discounts – Being a good student can save 20 to 25%. The good student discount can last up until you turn 25.
• Federal Employees – Federal government employees may reduce rates when you quote Jacksonville auto insurance with select insurance companies.
• No Claims – Insureds who avoid accidents and claims pay less when compared with bad drivers.

Policy discounts save money, but most discount credits are not given to all coverage premiums. Most only reduce the cost of specific coverages such as liability and collision coverage. If you do the math and it seems like all the discounts add up to a free policy, you won’t be that lucky. Any amount of discount will cut your overall bill.

The illustration below illustrates the difference between Suzuki Kizashi insurance rates with and without discounts being applied to the rates. The data assumes a female driver, no accidents, no driving violations, Florida state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, multi-car, claim-free, marriage, and safe-driver discounts applied.

The best car insurance companies and a partial list of their discounts can be found below.

• State Farm offers premium reductions for driver’s education, anti-theft, defensive driving training, multiple policy, and accident-free.
• GEICO has savings for air bags, military active duty, driver training, good student, and defensive driver.
• Allstate includes discounts for passive restraint, early signing, premier plus, defensive driver, resident student, eSmart discount, and 55 and retired.
• SAFECO policyholders can earn discounts including teen safety rewards, anti-theft, safe driver, bundle discounts, anti-lock brakes, and homeowner.
• Farm Bureau has discounts for multi-vehicle, 55 and retired, renewal discount, good student, driver training, and safe driver.
• Progressive offers discounts including online quote discount, online signing, continuous coverage, homeowner, multi-policy, and multi-vehicle.
• AAA may offer discounts for anti-theft, pay-in-full, multi-policy, education and occupation, multi-car, good student, and AAA membership discount.

Double check with every insurance company what discounts are available to you. Depending on the company, some discounts might not be offered in every state. To choose insurance companies with discount rates in Jacksonville, click here.

How to know if you need help

Always remember that when buying your policy, there really is not a one-size-fits-all type of policy. Every situation is different so your insurance needs to address that. These are some specific questions may help highlight whether you will benefit from professional help.

• Can I cancel at any time?
• Is my vehicle covered by my employer’s policy when using it for work?
• Do I have coverage if I rent a car in Mexico?
• Do I have coverage when pulling a U-Haul trailer?
• Can my babysitter drive my car?
• Can I afford low physical damage deductibles?
• What discounts do I qualify for?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Do I need a local insurance agent?

Many drivers still prefer to sit down and talk to an agent and there is nothing wrong with that. Most agents will help you protect your assets and give you someone to call. One of the great benefits of getting online price quotes is that you can find the lowest rates but still work with a licensed agent. And providing support for local insurance agents is definitely important in Jacksonville.

For easy comparison, once you complete this short form, your information is submitted to agents in your area who will return price quotes to get your business. You won’t need to search for an agent since price quotes are sent to you instantly. If you need to get a comparison quote for a specific company, just jump over to their website and fill out their quote form.

If you are wanting to purchase car insurance from a local Jacksonville insurance agent, you should know the different types of agents and how they differ in how they can insure your vehicles. Car insurance policy providers are classified as either exclusive or independent. Either can provide car insurance policies, but we need to point out the difference between them since it can impact the type of agent you choose.

Independent Car Insurance Agencies

These type of agents are appointed with more than one company and that is an advantage because they can write policies with a variety of different insurance companies and find the cheapest rate. If they find a cheaper price, an independent agent can move your coverage which requires no work on your part. If you are trying to find cheaper rates, you need to contact a couple of independent agencies to have the most options to choose from. A lot of them also have access to different regional companies that many times have cheaper rates.

The following are independent insurance agents in Jacksonville who may be able to give you competitive price quotes.

• State Insurance Agency
  803 3rd St N – Jacksonville Beach, FL 32250 – (904) 247-5599 – View Map
• Mizell Insurance Agency
  11893 New Kings Rd – Jacksonville, FL 32219 – (904) 764-3336 – View Map
• Erwin Insurance, LLC
  841 Prudential Drive, 12th Floor – Jacksonville, FL 32207 – (904) 764-7531 – View Map

View more Jacksonville agents

Exclusive Agents

Exclusive insurance agents can only place business with one company such as State Farm, Allstate and AAA. Exclusive agencies are unable to shop your coverage around so if the price isn’t competitive there isn’t much they can do. Exclusive agents are very knowledgeable on what they offer which helps them sell on service rather than price. Some people will only purchase coverage from exclusives partially due to the brand legacy rather than low price.

Listed below are Jacksonville exclusive insurance agencies that are able to give rate quotes.

• Bob Gibbs – State Farm Insurance Agent
  5495 Fort Caroline Rd – Jacksonville, FL 32277 – (904) 744-2702 – View Map
• Sam Maimone – State Farm Insurance Agent
  12620 Beach Blvd #8 – Jacksonville, FL 32246 – (904) 641-6844 – View Map
• Kim Lego – State Farm Insurance Agent
  13820 Old St Augustine Rd #401 – Jacksonville, FL 32258 – (904) 268-9900 – View Map

View more Jacksonville agents

Finding a good car insurance agent needs to be determined by more than just a low price. These questions are important to ask:

• How experienced are they in personal risk management?
• Do you qualify for any additional discounts?
• Can you contact them at any time?
• Will the agent or a CSR service your policy?
• What company do they have the most business with?
• Do you need full coverage on every vehicle?
• How long have they been in business?

Affordable auto insurance premiums are out there

Cost effective Suzuki Kizashi insurance is available on the web as well as from independent agents in Jacksonville, so you need to quote Jacksonville auto insurance with both in order to have the best price selection to choose from. Some companies don’t offer price quotes online and these regional carriers work with independent insurance agencies.

When getting Jacksonville auto insurance quotes online, do not buy poor coverage just to save money. There are a lot of situations where consumers will sacrifice collision coverage only to regret at claim time they didn’t have enough coverage. The aim is to find the BEST coverage at the best possible price.

More detailed auto insurance information is available at these sites:

• Speed and Speed Limit FAQ (iihs.org)
• Who Has the Cheapest Auto Insurance for 4×4 Vehicles in Jacksonville? (FAQ)
• Who Has Cheap Jacksonville Auto Insurance Quotes for a Kia Optima? (FAQ)
• How Much are Jacksonville Auto Insurance Quotes for Drivers Over Age 70? (FAQ)
• Who Has Cheap Jacksonville Auto Insurance for Lyft Drivers? (FAQ)
• Young Drivers: The High Risk Years Video (iihs.org)
• Auto Insurance FAQ (Farmers Insurance)
• Collision Insurance Coverage (Nationwide)