Finding budget-priced Kansas City Suzuki Kizashi insurance quotes on the web might seem overwhelming for consumers new to comparing and buying insurance on the web. When there are so many companies, how can you be able to compare every possible option in order to find cheaper insurance rates?
It goes without saying that car insurance companies don’t want customers comparing rates. Drivers who shop around for the cheapest rate are inclined to buy a different policy because of the high probability of finding a lower-cost company. Surprisingly, a recent survey revealed that people who compared rates regularly saved over $70 a month compared to other drivers who never shopped around for cheaper prices.
If finding the best rates on car insurance in Kansas City is your objective, then understanding how to get price quotes and compare car insurance can make the process more efficient.
The quickest method we recommend to compare car insurance company rates for Suzuki Kizashi insurance in Kansas City is to understand most of the larger companies allow for online access to provide you with a free rate quote. All consumers are required to do is provide information such as how much school you completed, whether you have decent credit, any included safety features, and if the vehicle is leased. That rating information is submitted instantly to multiple different insurance companies and you receive quotes instantly.
If you would like to compare rates now, click here and complete the quick form.
The car insurance companies shown below offer free quotes in Missouri. If you wish to find cheaper auto insurance in MO, it’s highly recommended you visit two to three different companies in order to get a fair rate comparison.
The premium table shown below covers a range of insurance costs for Suzuki Kizashi models. Having a good grasp of how auto insurance premiums are determined can benefit drivers when making smart choices when buying a policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Kizashi S AWD||$184||$274||$272||$16||$82||$828||$69|
|Kizashi SE AWD||$184||$322||$272||$16||$82||$876||$73|
|Kizashi GTS AWD||$184||$322||$272||$16||$82||$876||$73|
|Kizashi SLS AWD||$204||$322||$272||$16||$82||$896||$75|
|Get Your Own Custom Quote Go|
Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Estimates do not factor in your specific Kansas City location which can affect rates significantly.
Safe drivers pay less for insurance
The example below demonstrates how speeding tickets and accidents can raise Suzuki Kizashi premium costs for different age categories. The rate quotes are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.
Does it make sense to buy full coverage?
The chart below shows the difference between Suzuki Kizashi insurance prices when comparing full coverage to state minimum liability only. The data assumes no violations or accidents, $100 deductibles, single status, and no discounts are applied to the premium.
When to drop comprehensive and collision
There is no set rule for dropping comp and collision coverage, but there is a general convention. If the yearly cost for physical damage coverage is more than 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 replacement cost is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $6,000 after you pay the deductible. If it’s costing in excess of $600 annually for your policy with full coverage, then you may need to consider dropping full coverage.
There are a few situations where dropping physical damage coverage is not a good idea. If you still have a loan on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should keep full coverage in place.
Choosing the best vehicle insurance in Missouri is an important decision
Even though it’s not necessarily cheap to insure a Suzuki in Kansas City, insurance is mandatory in Missouri but it also protects more than you think.
First, most states have mandatory liability insurance requirements which means you are required to carry specific limits of liability insurance coverage if you want to drive legally. In Missouri these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if your Kizashi has a lienholder, most lenders will make it mandatory that you have physical damage coverage to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the bank may buy a policy for your Suzuki at a more expensive rate and require you to reimburse them the higher price.
Third, insurance protects not only your vehicle but also your assets. It will also cover medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. Liability coverage also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If your Suzuki gets damaged, comprehensive and/or collision insurance will pay to repair the damage.
The benefits of buying insurance greatly outweigh the cost, particularly when you have a large claim. On average, a vehicle owner in Kansas City overpays more than $820 a year so it’s very important to do a rate comparison each time the policy renews to ensure rates are inline.
Car insurance policy specifics
Understanding the coverages of a car insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.
This coverage pays for damage to your Kizashi resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like crashing into a ditch, crashing into a building, backing into a parked car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible on your Kizashi in order to get cheaper collision rates.
Comprehensive or Other Than Collision
Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things such as rock chips in glass, a tree branch falling on your vehicle and fire damage. The most your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
This provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Suzuki Kizashi.
Due to the fact that many Missouri drivers have only the minimum liability required by law (25/50/10), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.
Liability auto insurance
This provides protection from damage that occurs to other’s property or people. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/10 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $10,000.
Liability insurance covers claims like loss of income, structural damage, legal defense fees, court costs and bail bonds. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford. Missouri requires drivers to carry at least 25/50/10 but you should consider buying more liability than the minimum.
The chart below shows why buying low liability limits may not be high enough to adequately cover claims.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for pain medications, surgery, X-ray expenses, ambulance fees and prosthetic devices. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available and may carry a deductible
Drivers who switch companies do it for a number of reasons such as extreme rates for teen drivers, lack of trust in their agent, denial of a claim and being labeled a high risk driver. It doesn’t matter what your reason, finding a new car insurance company is pretty simple and you could end up saving a buck or two.
Cheaper Suzuki Kizashi insurance in Kansas City is definitely available online and also from your neighborhood Kansas City agents, and you should be comparing both in order to have the best price selection to choose from. A few companies do not offer price quotes online and usually these small insurance companies work with local independent agents.
When getting Kansas City auto insurance quotes online, it’s very important that you do not reduce needed coverages to save money. In many cases, an insured dropped collision coverage only to regret at claim time that the small savings ended up costing them much more. Your goal should be to purchase plenty of coverage at the best possible price.
Steps to finding better rates for Suzuki Kizashi insurance in Kansas City
Truthfully, the best way to get cheaper auto insurance rates is to begin comparing prices regularly from insurers who sell auto insurance in Kansas City.
- Try to learn a little about how companies price auto insurance and the factors you can control to keep rates low. Many things that drive up the price like traffic violations, accidents, and a bad credit rating can be rectified by making small lifestyle or driving habit changes.
- Request rate estimates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like Progressive and State Farm, while agents who are independent can quote prices from many different companies.
- Compare the new rates to your existing policy to see if switching to a new carrier will save money. If you find a lower rate quote and change companies, make sure there is no coverage gap between policies.
- Provide adequate notice to your current company to cancel your current auto insurance policy. Submit the completed application along with a down payment for the new policy. Immediately upon receiving it, put the new certificate verifying coverage with your vehicle’s registration.
A key point to remember is to use the same liability limits and deductibles on every quote request and and to analyze as many different companies as possible. This helps ensure the most accurate price comparison and a thorough selection of prices.
To read more, link through to the following helpful articles:
- Credit and Insurance Scores (Insurance Information Institute)
- Who Has Affordable Car Insurance Rates for Drivers Over Age 50 in Kansas City? (FAQ)
- What Car Insurance is Cheapest for Government Employees in Kansas City? (FAQ)
- Who Has Cheap Auto Insurance Rates for Electric Cars in Kansas City? (FAQ)
- Who Has Affordable Kansas City Car Insurance Quotes for a Dodge Ram? (FAQ)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Bodily Injury Coverage (Liberty Mutual)