Suzuki Kizashi Insurance Quotes in San Jose

Insurance rates Suzuki Kizashi in San JoseIt’s an obvious statement that insurance companies don’t want you comparing rates. Insureds who get price comparisons will most likely buy a different policy because of the good chance of finding a lower-priced company. A recent study showed that consumers who compared rates regularly saved approximately $3,400 over four years as compared to drivers who never shopped around.

If finding the best price on insurance is why you’re reading this, then having some knowledge of the best way to quote and compare cheaper coverage can make it easier to find better rates.

The best way to get discount Suzuki Kizashi insurance in San Jose is to start comparing prices regularly from providers in California.

The most important part of shopping around is to make sure you’re comparing similar limits and deductibles on each quote and and to compare as many car insurance companies as possible. Doing this helps ensure an accurate price comparison and the best price selection.

If you are already insured, you will definitely be able to shop for the lowest rates using these techniques. Buying the cheapest car insurance in San Jose is not rocket science. But California car owners need to learn how companies sell insurance online and take advantage of how the system works.

To find low cost rates, there are a couple of ways of comparing rate quotes from different San Jose insurance companies. The best method to comparison shop consists of shopping online.

It’s so simple to compare insurance rate quotes online takes the place of having to actually drive to insurance agencies in your area. The ability to buy insurance online eliminates this option unless you have a need for the professional advice of a local San Jose agent. Although, it is possible obtain prices from the web but have a local agent actually write the policy. When comparison shopping, making a lot of price comparisons increases your odds of finding a lower rate.

The companies shown below have been selected to offer price comparisons in California. If multiple providers are shown, we recommend you visit as many as you can in order to find the most competitive rates.

Rates and information analytics

The rate information displayed below covers detailed analysis of insurance prices for Suzuki Kizashi models. Having a better understanding of how rates are formulated can assist in making informed coverage decisions.

Suzuki Kizashi Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $368 $672 $450 $26 $134 $1,650 $138
Kizashi S AWD $416 $672 $450 $26 $134 $1,698 $142
Kizashi SE $416 $672 $450 $26 $134 $1,698 $142
Kizashi GTS $416 $792 $450 $26 $134 $1,818 $152
Kizashi SE AWD $416 $792 $450 $26 $134 $1,818 $152
Kizashi GTS AWD $416 $792 $450 $26 $134 $1,818 $152
Kizashi SLS $416 $792 $450 $26 $134 $1,818 $152
Kizashi SLS AWD $464 $792 $450 $26 $134 $1,866 $156
Get Your Own Custom Quote Go

Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Price information does not factor in San Jose location which can decrease or increase premiums significantly.

Deductible comparison

One common question asked by San Jose drivers is how low should you set your deductibles. The comparison tables below illustrate the differences in price between low and high insurance deductibles. The first price estimate table uses a $100 deductible and the second price table uses a $500 deductible.

Suzuki Kizashi insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $380 $686 $442 $26 $132 $1,691 $141
Kizashi S AWD $430 $686 $442 $26 $132 $1,741 $145
Kizashi SE $430 $686 $442 $26 $132 $1,741 $145
Kizashi GTS $430 $810 $442 $26 $132 $1,865 $155
Kizashi SE AWD $430 $810 $442 $26 $132 $1,865 $155
Kizashi GTS AWD $430 $810 $442 $26 $132 $1,865 $155
Kizashi SLS $430 $810 $442 $26 $132 $1,865 $155
Kizashi SLS AWD $478 $810 $442 $26 $132 $1,913 $159
Get Your Own Custom Quote Go

Suzuki Kizashi insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $278 $464 $442 $26 $132 $1,342 $112
Kizashi S AWD $314 $464 $442 $26 $132 $1,378 $115
Kizashi SE $314 $464 $442 $26 $132 $1,378 $115
Kizashi GTS $314 $546 $442 $26 $132 $1,460 $122
Kizashi SE AWD $314 $546 $442 $26 $132 $1,460 $122
Kizashi GTS AWD $314 $546 $442 $26 $132 $1,460 $122
Kizashi SLS $314 $546 $442 $26 $132 $1,460 $122
Kizashi SLS AWD $348 $546 $442 $26 $132 $1,494 $125
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Estimates do not factor in your specific San Jose location which can raise or lower coverage prices significantly.

Based on the data above, we can derive that using a $100 deductible will cost you roughly $32 more each month or $384 every year than buying the higher $500 deductible. Due to the fact that you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you average at least 13 months between claim filings, you would save money if you opt for a higher deductible.

Should you buy full coverage?

The illustration below shows the difference between Suzuki Kizashi car insurance costs with and without physical damage coverage. The prices are based on a clean driving record, no at-fault accidents, $250 deductibles, drivers are single, and no discounts are factored in.

When to stop buying full coverage

There is no definitive formula for dropping comp and collision coverage, but there is a general guideline. If the yearly cost for physical damage coverage is more than 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let’s pretend your Suzuki Kizashi settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would receive is $8,000 after the deductible is paid. If you are paying over $800 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are some scenarios where dropping physical damage coverage is not advised. If you haven’t paid off your loan, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not buy liability only.

When to talk to an insurance agent

A small number of people still like to talk to a local agent and that is a smart decision An additional benefit of comparing car insurance online is you may find lower auto insurance rates but still work with a licensed agent. And supporting neighborhood agents is definitely important in San Jose.

Insurance agency in San JoseUpon completion of this simple form, the coverage information is immediately sent to agents in your area who will give competitive quotes for your coverage. There is no reason to leave your house as quotes are delivered to the email address you provide. You can find lower rates without a big time investment. In the event you want to compare rates for a specific company, you can always jump over to their website and fill out their quote form.

The type of auto insurance agent you choose is important

If you are wanting to find local San Jose agents, it can be helpful to understand the types of insurance agents and how they are slightly different. San Jose agents are considered either exclusive or independent agents depending on their company appointments.

Independent Car Insurance Agents (or Brokers)

Independent agents are not restricted to one company and that enables them to quote your coverage through lots of different companies and get you the best rates possible. If your agent finds better pricing, they simply move the coverage in-house and you won’t have to switch agencies. When comparing rates, we recommend you check rates from a few independent agents to maximize your price options.

Listed below are San Jose independent agents that can possibly get you free rate quotes.

San Jose Insurance
2542 S Bascom AveCampbell, CA 95008(408) 371-3700View Map

3750 McKee Rd ASan Jose, CA 95127(408) 272-2500View Map

Sergio Plascencia Insurance Agency
3136 Story RdSan Jose, CA 95127(408) 254-8336View Map

More San Jose agents

Exclusive Insurance Agents

Agents in the exclusive channel can usually just insure with one company and examples are Allstate, State Farm and Farmers Insurance. These agents are unable to give you multiple price quotes so they have to upsell other benefits. Exclusive agencies are usually well trained on their company’s products which helps them compete with independent agents.

Shown below is a short list of exclusive insurance agencies in San Jose that are able to give price quote information.

1625 N Capitol AveSan Jose, CA 95132(408) 272-2629View Map

6116 Camino Verde Dr Ste 9San Jose, CA 95119(408) 281-9190View Map

301 N Jackson Ave #12San Jose, CA 95133(408) 259-8826View Map

More San Jose agents

Finding the right car insurance agent should include more criteria than just the premium amount. You should also get answers to these questions.