Cheapest Suzuki Kizashi Insurance in Portland

The easiest way to get affordable Suzuki Kizashi insurance in Portland is to make a habit of regularly comparing prices from insurance carriers who provide auto insurance in Oregon.

First, read about the different coverages in a policy and the factors you can control to keep rates in check. Many rating criteria that result in higher prices such as distracted driving and a substandard credit history can be remedied by making minor changes to your lifestyle.

Second, compare rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like Progressive and State Farm, while independent agents can quote rates for many different companies. View prices

Third, compare the new rates to your current policy to determine if switching companies saves money. If you find better rates, make sure coverage does not lapse between policies.

Fourth, give proper notification to your current agent or company of your intent to cancel your current car insurance policy. Submit payment along with a signed and completed policy application for your new policy. Once the paperwork is finalized, put the proof of insurance certificate along with your vehicle registration.

An essential thing to point out is to use the same level of coverage on each price quote and and to analyze every insurance company. This ensures a fair rate comparison and plenty of rates choose from.

Anyone knows that car insurance companies don’t want you to look for a cheaper policy. Insureds who shop around for a cheaper policy will presumably buy a new policy because they stand a good chance of finding good coverage at a lower price. A recent insurance study discovered that drivers who routinely compared rates saved $865 a year as compared to drivers who never compared rates.

If finding the cheapest price on insurance in Portland is the reason for your visit, understanding the best ways to shop for insurance rates can save money and time.

When comparison shopping, there are several ways of comparing rates from different companies. The easiest way to find affordable Suzuki Kizashi insurance rates is simply to get online rate quotes. When comparing car insurance rates, know that obtaining a wide range of quotes helps improve the odds of finding the best price.

The companies shown below are ready to provide free quotes in Portland, OR. If you want the best auto insurance in Portland, OR, we recommend you visit as many as you can to find the most competitive car insurance rates.

Coverage information

The premium information shown below showcases estimates of insurance coverage prices for Suzuki Kizashi models. Understanding how auto insurance policy rates are formulated helps drivers make informed decisions when comparing rate quotes.

Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rate quotes do not factor in specific garaging location which can lower or raise premiums considerably.

Raise deductibles and save

One of the hardest decisions when shopping for insurance is the level to set your comp and collision deductibles. The comparison tables below summarize how much more you’ll pay between high and low deductibles. The first rate comparisons uses a $250 deductible for physical damage and the second set of rates uses a $1,000 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oregon minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Information does not factor in specific location information which can revise premiums substantially.

Based on these figures, using a $250 deductible costs about $25 more each month or $300 annually than opting for the higher $1,000 deductible. Since you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 30 months between claims, you would more than likely save some money if you opt for a higher deductible.

Impact of careless driving on Portland insurance rates

The information below illustrates how traffic citations and at-fault accidents can influence Suzuki Kizashi insurance premiums for different age groups. Data assumes a single male driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.

Premiums by gender and age

The chart below compares Suzuki Kizashi car insurance rates for male and female drivers. The premium estimates are based on no accidents or driving violations, comp and collision included, $100 deductibles, marital status is single, and no discounts are taken into consideration.

Suzuki Kizashi liability rates compared to full coverage

The diagram below visualizes the comparison of Suzuki Kizashi car insurance rates with full physical damage coverage compared to only buying liability only. The information is based on no claims, a clean driving record, $1,000 deductibles, drivers are not married, and no policy discounts are applied.

When to stop paying for full coverage

There is no written rule of when to phase out physical damage coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.

For example, let’s assume your Suzuki Kizashi claim settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $5,000 after paying the physical damage deductible. If you are paying over $500 a year for comprehensive and collision coverage, then it might be time to buy liability only.

There are some cases where only buying liability is not a good idea. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not buy liability only.

Why you need insurance for your Suzuki vehicle

Despite the high insurance cost for a Suzuki Kizashi in Portland, paying for auto insurance is not optional due to several reasons.

• Most states have mandatory liability insurance requirements which means you are required to buy a specific minimum amount of liability insurance in order to get the vehicle licensed. In Oregon these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
• If you bought your Suzuki with a loan, almost every bank will require you to carry insurance to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the bank may buy a policy for your Suzuki at a more expensive rate and force you to pay for the expensive policy.
• Insurance safeguards your vehicle and your assets. It will also cover all forms of medical expenses that are the result of an accident. Liability coverage, the one required by state law, will also pay attorney fees if you cause an accident and are sued. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.

The benefits of having insurance definitely exceed the price paid, especially with large liability claims. Unknowingly, the average driver is overpaying more than $810 a year so smart consumers compare quotes every year to be sure current rates are still competitive.

Auto insurance coverages

Learning about specific coverages of your auto insurance policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Coverage for medical expenses

Med pay and PIP coverage kick in for bills for nursing services, chiropractic care, hospital visits and EMT expenses. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits (Oregon limits are 25/50/20), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are set the same as your liability limits.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like hitting a parking meter, crashing into a building, backing into a parked car and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible on your Kizashi in order to get cheaper collision rates.

Liability

Liability coverage protects you from injuries or damage you cause to a person or their property that is your fault. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/20 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $20,000. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things like structural damage, medical services, legal defense fees and repair bills for other people’s vehicles. How much coverage you buy is up to you, but consider buying higher limits if possible. Oregon state law requires minimum liability limits of 25/50/20 but it’s recommended drivers buy higher limits.

The next chart demonstrates why low liability limits may not provide you with enough coverage.

Comprehensive auto insurance

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as rock chips in glass, theft and a broken windshield. The most your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Best auto insurance company in Oregon

Ending up with a highly-rated auto insurance company can be challenging considering how many companies are available to choose from in Portland. The company information displayed below may help you select which providers to look at comparing rates with.

Top 10 Portland Car Insurance Companies Ranked by Customer Service

1. GEICO
2. State Farm
3. The Hartford
4. Mercury Insurance
5. The General
6. Progressive
7. Allstate
8. AAA Insurance
9. American Family
10. Nationwide

Top 10 Portland Car Insurance Companies Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. Progressive
5. Liberty Mutual
6. GEICO
7. Allstate
8. Titan Insurance
9. The Hartford
10. Mercury Insurance

Final considerations

We just showed you many ways to reduce Suzuki Kizashi insurance prices online in Portland. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from a company that doesn’t do a lot of advertising.

As you prepare to switch companies, it’s a bad idea to reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice physical damage coverage only to regret they didn’t purchase enough coverage. The goal is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

Cheap Suzuki Kizashi insurance in Portland is attainable online and also from your neighborhood Portland agents, so get free Portland auto insurance quotes from both of them in order to have the best price selection to choose from. There are still a few companies who do not offer the ability to get quotes online and most of the time these small, regional companies only sell coverage through local independent agents.

More resources

• Vehicle Size and Weight FAQ (iihs.org)
• Who Has the Cheapest Auto Insurance for Government Employees in Portland? (FAQ)
• How Much is Auto Insurance for 18 Year Olds in Portland? (FAQ)
• Who Has the Cheapest Portland Auto Insurance for a Toyota Corolla? (FAQ)
• Who Has the Cheapest Portland Car Insurance Quotes for Drivers Under 25? (FAQ)
• Cellphones, Texting and Driving (iihs.org)
• Driving in Bad Weather (Insurance Information Institute)
• Things to Know Before you Cancel Insurance (Allstate)
• How to Avoid Staged Accidents (State Farm)