2003 Suzuki Aerio Insurance Rates

Want lower auto insurance rates for your Suzuki Aerio? Are you overwhelmed by the sheer number of auto insurance companies? You have a lot of company. Consumers have so many companies to choose from that it can quickly become a real hassle to compare prices.

It’s a good idea to do rate comparisons occasionally since insurance rates fluctuate regularly. Even if you think you had the best price for Aerio coverage a few years ago other companies may now be cheaper. You can find a lot of wrong information about auto insurance online but I’m going to show you some of the best ways to put money back in your pocket.

Car Insurance Quote Comparison

The are a couple different ways to get quotes and find the best price. By far the easiest way to find the lowest 2003 Suzuki Aerio rates consists of shopping online. This can be done using a couple different methods.

The easiest and least time consuming way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This method saves time by eliminating repetitive form submissions to each individual car insurance company. Completing one form gets you price quotes from many national carriers. This is perfect if you don’t have a lot of time.

A less efficient way to get quotes online consists of going to each company website and fill out their own quote form. For example, let’s assume you want rates from Auto-Owners, Safeco and Liberty Mutual. To get each rate you have to visit each site to enter your coverage information, which is why the first method is quicker. To view a list of companies in your area, click here.

The hardest way of comparing rate quotes is to spend time driving to insurance agents’ offices. The ability to buy insurance online makes this process obsolete unless you require the personal advice only provided by licensed agents. You can, however, compare online quotes and get advice from an agent in your area and you’ll learn how to do that later.

Whichever method you choose, double check that you are using exactly the same coverage limits and deductibles for each price quote. If you use mixed coverages it’s impossible to determine the lowest rate for your Suzuki Aerio. Having just a slight variation in coverages may cause a big price difference. Just remember that comparing a large number of companies provides better odds of finding the best price.

Discounts can save BIG

Properly insuring your vehicles can get expensive, but companies offer discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you quote, but some may not be applied and must be manually applied in order for you to get them.

  • 55 and Retired – If you’re over the age of 55, you may receive a small decrease in premiums for Aerio coverage.
  • Fewer Miles Equal More Savings – Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% for Aerio coverage with select insurance companies.
  • Defensive Driving Course – Successfully completing a course in driver safety can save you 5% or more and easily recoup the cost of the course.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • Seat Belts Save – Requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
  • Paperless Signup – Certain companies give back up to $50 for buying your policy over the internet.
  • Multi-car Discount – Insuring more than one vehicle on one policy qualifies for this discount.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching policies before your current policy expires. The savings is around 10%.

Drivers should understand that most of the big mark downs will not be given the the whole policy. Most cut specific coverage prices like collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, companies wouldn’t make money that way. But all discounts will cut the cost of coverage.

To see a list of insurance companies offering car insurance discounts, follow this link.

Suzuki Aerio insurance premiums are calculated by many factors

Consumers need to have an understanding of the rating factors that go into determining the rates you pay for insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that will entitle you to lower insurance prices.

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

  • Drive a safer car and pay less – Vehicles with high crash test scores tend to have better insurance rates. Safer cars result in less severe injuries and lower injury rates translates into savings for insurance companies passed on to you as lower rates. If your Suzuki has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • More miles equals more premium – The higher the mileage driven every year the more you will pay for insurance. Most companies apply a rate determined by how the vehicle is used. Vehicles left parked in the garage qualify for better rates compared to those used for work or business. If your policy improperly rates your Aerio can cost quite a bit. Make sure your insurance declarations sheet is rated on the correct usage for each vehicle.
  • Never go without insurance – Allowing your coverage to lapse will be a quick way to pay more for insurance. Not only will rates go up, getting caught without coverage will get you a hefty fine and possibly a revoked license.You may have to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • How credit affects insurance rates – Having a bad credit score is a huge factor in calculating your insurance rates. Consumers who have good credit tend to be less risk to insure than drivers who have lower credit ratings. So if your credit score is low, you could save money insuring your 2003 Suzuki Aerio by improving your credit score.
  • Higher deductibles cost less – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your Suzuki from damage. A few examples of covered claims are collision with another vehicle, vandalism, or theft. The deductibles are the amount of money you are required to spend out-of-pocket before your insurance pays a claim. The more you have to pay, the less your company will charge you for insurance for Aerio coverage.
  • Women pay lower rates – Statistics show women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Men and women cause accidents in similar percentages, but the men have costlier accidents. Men also statistically get cited for more serious violations like reckless driving and DUI. Male drivers age 16 to 19 tend to get in the most accidents and thus pay the highest rates.
  • Mature drivers pay less – More mature drivers tend to be more responsible, tend to cause fewer accidents and receive fewer citations. Teen drivers tend to be careless and easily distracted when driving and because of this, their insurance rates are much higher.
  • Being married can save on insurance – Having a wife or husband can actually save you money when buying insurance. Having a spouse translates into being more mature than a single person and it’s proven that being married results in fewer claims.

Will just any policy work for me?

When it comes to choosing the best auto insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

For example, these questions might help in determining whether or not you might need professional guidance.

  • Does having multiple vehicles earn me a discount?
  • Why am I required to buy liability insurance?
  • Where can I find high-risk insurance?
  • Can my teen drive my company car?
  • What if I total my 2003 Suzuki Aerio and owe more than it’s worth?
  • Should I carry comprehensive and collision coverage?
  • How does medical payments coverage work?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Car insurance coverage specifics

Learning about specific coverages of car insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Car insurance terms can be confusing and coverage can change by endorsement.

Collision insurance

This pays for damage to your Aerio resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like colliding with a tree, colliding with another moving vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from getting keyed, theft, a broken windshield and vandalism. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for liability

Liability coverage will cover damage or injury you incur to people or other property. This insurance protects YOU against claims from other people, and does not provide coverage for 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 might see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like bail bonds, structural damage, emergency aid, court costs and attorney fees. How much coverage you buy is a personal decision, but buy higher limits if possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for hospital visits, EMT expenses and funeral costs. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Suzuki Aerio.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits are similar to your liability insurance amounts.

Online plus local equals savings

Low-cost 2003 Suzuki Aerio insurance is available online as well as from independent agents, so compare prices from both to get a complete price analysis. Some insurance providers don’t offer online quoting and most of the time these smaller companies sell through independent agents.

We just showed you some good ideas how to save on insurance. The key thing to remember is the more price quotes you have, the better likelihood of reducing your rate. Consumers could even find that the biggest savings come from an unexpected company.

Insureds switch companies for a variety of reasons including high rates after DUI convictions, an unsatisfactory settlement offer, high prices and questionable increases in premium. It doesn’t matter why you want to switch switching insurance companies can be easier than you think.

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