Insurance Rates Decline for Suzuki Aerio Owners

Are you a victim of overpriced car insurance? Trust us, you are not the only one feeling buyer’s remorse.

There is such a variety of car insurance companies to pick from, and even though it’s nice to have a choice, so many choices can make it hard to compare rates.

This article will familiarize you with how to get online quotes and some money-saving tips. If you currently have car insurance, you should be able to cut costs considerably using this strategy. But vehicle owners do need to know the way insurance companies market insurance on the web.

Do you qualify for discounts?

Properly insuring your vehicles can get expensive, buy you may qualify for discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time you complete a quote, but lesser-known reductions have to be specially asked for before they will apply.

• No Claims – Drivers who don’t have accidents can save substantially as compared to accident-prone drivers.
• Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
• Low Mileage Discounts – Fewer annual miles on your Suzuki can qualify you for lower rates on the low mileage vehicles.
• Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
• Multiple Vehicles – Buying coverage for multiple vehicles with the same company could earn a price break for each car.
• Safe Driver Discount – Insureds without accidents may save up to 50% more on Aerio coverage than drivers with accident claims.

Consumers should know that many deductions do not apply the the whole policy. The majority will only reduce specific coverage prices like medical payments or collision. So when it seems like it’s possible to get free car insurance, it just doesn’t work that way. But any discount will bring down the amount you have to pay.

To choose providers with the best car insurance discounts, follow this link.

Complexity of Suzuki Aerio insurance rates

It’s important that you understand the factors that play a part in calculating car insurance rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that can help you get much lower annual insurance costs.

Shown below are a few of the “ingredients” used by your company to calculate your rates.

• Keep rates low by being claim-free – Auto insurance companies provide discounts to drivers who do not file claims often. If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.
• The more you drive the more you pay – Driving more miles each year the higher your rates will be. The majority of insurers price each vehicle’s coverage based on how the vehicle is used. Cars not used for work or commuting get more affordable rates than vehicles that are driven to work every day. If your policy improperly rates your Aerio may be costing you. Ask your agent if your car insurance coverage shows the proper vehicle usage.
• Traffic citations inflate rates – Careful drivers have lower premiums compared to drivers with tickets. Even a single speeding ticket can boost insurance rates by as much as thirty percent. Drivers who get flagrant violations like reckless driving, hit and run or driving under the influence may be required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to keep their license.
• Lower rates with optional equipment – Purchasing a vehicle that has an advanced theft prevention system can help bring down rates. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your vehicle from being stolen.
• Bundling policies can get discounts – The majority of insurance companies will give a discount to people who have multiple policies with them. It’s known as a multi-policy discount. Discounts can be 10 percent or more. Even with this discount, you still need to compare rates to confirm you are receiving the best rates possible. Consumers may find better rates by splitting coverages up.
• Do you know your deductibles? – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Suzuki from damage. Some examples of claims that would be covered are colliding with a building, collision with an animal, or theft. Physical damage deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The more expense the insured has to pay upfront, the bigger discount you will receive on Aerio coverage.
• Older drivers save more – Youthful drivers tend to be more careless behind the wheel so car insurance rates are higher. Parents adding a young driver to your car insurance policy can be quite pricey. Older drivers are viewed as being more responsible, file fewer claims and get fewer tickets.
• Performance makes a difference – The performance of the vehicle you are buying insurance for makes a significant difference in the rate you pay. Due to the fact that the Suzuki Aerio falls in the compact sedan class, rates will be the same to a little lower than the average rate where you live. Economy passenger vehicles receive the most favorable rates, but the cost you end up paying is determined by many additional factors.

Neighborhood agents for car insurance

Certain consumers just want to sit down with an agent and that is a personal choice. The best thing about getting online price quotes is you can get better rates and still have an agent to talk to. Buying from local businesses is definitely important in small towns and cities.

To make it easy to find an agent, after completing this simple form, your insurance coverage information is submitted to agents in your area who will battle to get your business. There is no need to leave your house as quotes are delivered to the email address you provide. How’s that for easy! You can find better rates and work with a local agent.

How to choose the best insurance agent

When looking for local agents, there are two types of agencies that you can select. Agents are classified as either captive or independent.

Independent Agents

These agents are not locked into one company so they have the ability to put coverage with lots of companies and possibly get better coverage at lower prices. To move your coverage to a new company, the agent simply finds a different carrier without you having to go to a different agency.

When shopping rates, it’s a good idea to contact at least one independent agent to get the best comparison.

Captive Insurance Agents

These agents have only one company to place business with such as AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. These agents are not able to provide prices from multiple companies so it’s a take it or leave it situation. Captives receive extensive training on their company’s products which helps them compete with independent agents.

To view a complete directory of insurance agencies, click here.

Deciding on an auto insurance agent should depend on more than just a low price. These are valid questions to ask:

• If you are a high risk driver, do they have special markets for your coverage?
• How long have they worked with personal auto insurance coverage?
• Are there any discounts that you might be missing?
• Does the agent have professional designations like CIC, CPCU or AIC?
• Are there any hidden costs in their price quote and does it include driving and credit history?
• Are they able to influence company decisions when a claim is filed?

After getting acceptable answers to any questions you have and an acceptable price quote, most likely you have located a car insurance agent that will properly insure your vehicles.

More comparisons equals lower rates

In this article, we presented many ways to shop for Suzuki Aerio insurance online. The key concept to understand is the more rate comparisons you have, the higher your chance of finding lower rates. You may be surprised to find that the lowest priced car insurance comes from a smaller regional carrier. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm, GEICO and Nationwide.

Cheaper Suzuki Aerio insurance is attainable both online as well as from independent agents, so you should be comparing quotes from both to have the best selection. Some insurance companies don’t offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. Too many times, an insured cut comprehensive coverage or liability limits only to regret they didn’t purchase enough coverage. The ultimate goal is to buy a smart amount of coverage for the lowest price, not the least amount of coverage.