Are Your Suzuki Reno Auto Insurance Rates Too High?

Are Your Suzuki Reno Auto Insurance Rates Too High?

Drivers have options when trying to find low-cost Suzuki Reno insurance. You can either spend your time driving around to compare prices or leverage the internet to find the lowest rates. There are more efficient ways to compare auto insurance rates and you need to know the absolute fastest way to compare rates for your Suzuki and get the lowest possible price from both online companies and local agents.

It is always a good idea to do price comparisons quite often because insurance prices trend upward over time. Even if you think you had the best deal on Reno insurance a couple years back a different company probably has better rates today. There are a lot of ways to save on auto insurance out there, but I’m going to show you the best ways to find affordable auto insurance.

Don’t overlook these auto insurance discounts

Auto insurance is not an enjoyable expense, but there could be significant discounts that could drop your premiums quite a bit. Some of these disounts will be visible at quote time, but once in a while a discount must be specifically requested in order for you to get them.

  • Smart Student Discounts – Maintaining excellent grades may save as much as 25% on a . You can use this discount normally until age 25.
  • Savings for New Vehicles – Adding a new car to your policy can save up to 30% because newer vehicles keep occupants safer.
  • Low Mileage Discounts – Fewer annual miles on your Suzuki can qualify you for discounted auto insurancerates on garaged vehicles.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase a life policy as well.
  • Use Seat Belts – Drivers who require all vehicle occupants to buckle their seat belts could save 15% on the premium charged for medical payments and/or PIP.
  • Senior Citizen Rates – Older drivers may receive a discount up to 10% on Reno insurance.
  • Defensive Driver Discount – Taking a driver safety class is a good idea and can lower rates and easily pay for the cost of the class.
  • Clubs and Organizations – Belonging to specific professional or occupational memberships or organizations may earn a discount on your policy.
  • Bundled Policy Discount – If you can bundle your auto and home insurance with the same company you will save at least 10% off all policies.

As a sidenote, most discounts do not apply to the entire cost. Some only reduce the cost of specific coverages such as medical payments or collision. Even though it appears you can get free auto insurance, you’re out of luck.

Some of the larger companies who may offer most of these discounts include:

When quoting, ask each insurance company what discounts are available to you. A few discounts might not be offered on policies everywhere. For a list of companies with the best auto insurance discounts, click here.

Decisions You Make Can Impact Your Insurance Rates

Lots of factors are part of the calculation when you get a price on insurance. Some are pretty understandable like your driving record, but some are more obscure such as your credit history or your commute time.

  • Driving citations will cost you – Careful drivers get better prices than people who have multiple driving citations. Even a single driving citation can increase rates substantially. Drivers who have severe violations like DWI, reckless driving or hit and run convictions may find that they have to to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to keep their license.
  • Safer occupants lowers auto insurance rates – Vehicles with high crash test scores are cheaper to insure. The safest vehicles result in less severe injuries and better occupant protection means lower claim amounts and thus lower rates.
  • Deter car thieves – Choosing to buy a car that has an advanced theft prevention system can save you some money. Systems that thwart theives such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart vehicle theft.
  • Discounts for married couples – Being married may cut your premiums on your policy. It means you’re more financially stable it has been statistically shown that married drivers get in fewer accidents.

One last thing

As you shop your coverage around, don’t be tempted to reduce needed coverages to save money. In too many instances, drivers have reduced physical damage coverage only to regret that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible at a price you can afford.

insurance for Reno

Drivers who switch companies do it for a variety of reasons including being labeled a high risk driver, extreme rates for teen drivers, delays in paying claims and not issuing a premium refund. Regardless of your reason, finding a new company can be easy and end up saving you some money.

Cheap Suzuki Reno insurance can be purchased both online in addition to local insurance agencies, so you need to with both to have the best rate selection. Some insurance companies do not offer rate quotes online and most of the time these small insurance companies only sell coverage through independent insurance agencies.