How 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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| 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 |
| Get Your Own Custom Quote Go | |||||||
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.
- Federal Employees – Active or former government employment could provide a small rate reduction with select insurance companies.
- Driver’s Ed – Have your child enroll and complete driver’s education in school or through a local driver safety program.
- E-sign Discounts – A few insurance companies will give you a small discount for signing up on your computer.
- College Student – Any of your kids who attend college more than 100 miles from Fort Wayne without a vehicle on campus can be insured at a reduced rate.
- Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts can get savings of 20 to 30 percent.
- Good Grades Discount – Performing well in school may save as much as 25% on a Fort Wayne car insurance quote. Many companies even apply the discount to college students well after school through age 25.
- Save with a New Car – Adding a new car to your policy can save you some money since new vehicles are generally safer.
- Anti-lock Brake System – Vehicles that have anti-lock braking systems are much safer to drive so you can save 10 percent or more.
- Discounts for Seat Belt Usage – Requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
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:
- Farm Bureau has discounts for driver training, safe driver, good student, youthful driver, multi-vehicle, and multi-policy.
- MetLife has savings for multi-policy, accident-free, defensive driver, good student, claim-free, and good driver.
- Progressive offers discounts including good student, continuous coverage, online quote discount, online signing, multi-vehicle, and homeowner.
- AAA offers premium reductions for AAA membership discount, education and occupation, good student, multi-policy, and good driver.
- American Family includes discounts for good driver, mySafetyValet, early bird, bundled insurance, TimeAway discount, Steer into Savings, and defensive driver.
- GEICO may have discounts that include multi-vehicle, driver training, air bags, seat belt use, five-year accident-free, anti-theft, and defensive driver.
- State Farm policyholders can earn discounts including passive restraint, safe vehicle, accident-free, good student, and defensive driving training.
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.
By 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.
- Do you work with a CSR or direct with the agent?
- Will they make sure you get an adequate claim settlement?
- What company holds the largest book of business for them?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Does the agent recommend any additional coverage?
- If they are an independent agency in Fort Wayne, which companies do they recommend?
- How long have they been in business?
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.
- Allstate Insurance: Steven Westrick
8938 Lima Rd Suite R – Fort Wayne, IN 46818 – (260) 489-3977 – View Map - American Family Insurance – Tara Witham
4011 W Jefferson Blvd #175 – Fort Wayne, IN 46804 – (260) 434-4440 – View Map - Sam Till Jr – State Farm Insurance Agent
615 Goshen Ave – Fort Wayne, IN 46808 – (260) 482-9623 – View Map
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.
- PMG Agency
3711 Rupp Dr #103 – Fort Wayne, IN 46835 – (260) 436-9669 – View Map - Traxler Insurance Agency
10729 Coldwater Rd #100 – Fort Wayne, IN 46845 – (260) 494-9035 – View Map - Nationwide Insurance: Thompson Insurance and Financial Services Inc
10355 Dawsons Creek Blvd A – Fort Wayne, IN 46825 – (260) 347-4722 – View Map
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.
| 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: Insure.com 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.
- Step 1: Take a few minutes and learn about the coverage provided by your policy and the things you can change to keep rates in check. Many things that cause rate increases such as careless driving and an unfavorable credit rating can be controlled by making minor changes in your lifestyle.
- Step 2: Compare rates from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO and State Farm, while independent agents can provide rate quotes for a wide range of companies.
- Step 3: Compare the quotes to the premium of your current policy to see if a cheaper price is available. If you find a lower rate quote and switch companies, make sure there is no lapse in coverage.
- Step 4: Notify your company or agent to cancel your current coverage and submit a down payment along with a signed application to your new agent or company. Once the paperwork is finalized, put the new proof of insurance paperwork in an easily accessible location.
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:
- Tread Depth and Tire Safety (State Farm)
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- Frontal Crash Tests (iihs.org)