How Much Does 2004 Suzuki Forenza Car Insurance Cost?

Looking for better insurance coverage rates for your Suzuki Forenza? Overpriced Suzuki Forenza insurance can drain your personal savings and make it hard to pay other bills. Doing a price comparison is a great way to make sure you’re not throwing money away. Insurance companies such as Progressive, Geico and Farmers Insurance persitently shower you with catchy ads and it is challenging if not impossible to ignore the promise of big savings and find the best price available.

If you have a current auto insurance policy or are shopping for new coverage, you can use these tips to find better prices and still get good coverage. Buying car insurance is not that difficult. Consumers just need to know the proper methods to find the lowest price online.

Take advantage of discounts

Companies don’t always advertise all available discounts in an easy-to-find place, so we took the time to find both well-publicized as well as the least known discounts you could be receiving. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Driver’s Ed – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
  • Air Bag Discount – Cars that have air bags can receive discounts of up to 25% or more.
  • Discounts for Safe Drivers – Safe drivers can pay as much as 50% less on Forenza insurance than drivers with accidents.
  • Accident Free – Drivers with accident-free driving histories can earn big discounts compared to accident-prone drivers.
  • Sign Early and Save – Select companies give a discount for switching policies prior to your current policy expiring. It can save you around 10%.
  • Clubs and Organizations – Being a member of certain professional organizations may earn a discount when shopping for insurance on Forenza insurance.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. A few only apply to individual premiums such as medical payments or collision. Even though it may seem like all the discounts add up to a free policy, it just doesn’t work that way.

Car insurance companies that may have these discounts include:

Before buying, ask each insurance company which discounts they offer. Some discounts may not apply everywhere.

The quickest method we recommend to compare policy rates is to know most larger insurance companies pay for the opportunity to give free rates quotes. The only thing you need to do is provide the companies a bit of rating information including whether your vehicle is owned or leased, whether the vehicles are used for commuting, how much education you have, and how much coverage you want. That information gets sent immediately to multiple companies and you will receive price estimates with very little delay.

How to know if you need help

When it comes to buying the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Every insured’s situation is different so this has to be addressed. For example, these questions can aid in determining whether your personal situation might need professional guidance.

  • When should I drop full coverage on my 2004 Suzuki Forenza?
  • Is my dog or cat covered if injured in an accident?
  • What are the financial responsibility laws in my state?
  • How high should my medical payments coverage be?
  • Where can I get insurance after a DUI in my state?
  • When should my teen driver be added to my policy?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What can I do if my company won’t pay a claim?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Auto insurance 101

Knowing the specifics of a insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. These are typical coverages available from insurance companies.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for immediate expenses for things like funeral costs, rehabilitation expenses, X-ray expenses, doctor visits and surgery. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2004 Suzuki Forenza.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Auto collision coverage

This coverage covers damage to your Forenza from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as backing into a parked car, scraping a guard rail, hitting a mailbox, sideswiping another vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hitting a bird, vandalism, a tree branch falling on your vehicle, theft and a broken windshield. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverage

This coverage protects you from damage that occurs to a person or their property. It protects YOU against claims from other people, and doesn’t 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. As an example, you may have values of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things like repair bills for other people’s vehicles, funeral expenses and legal defense fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Save for a rainy day

We just presented many ideas to reduce 2004 Suzuki Forenza insurance prices online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. Drivers may discover the most savings is with some of the lesser-known companies. Smaller companies may have significantly lower rates on certain market segments compared to the large companies like State Farm or Progressive.

Cheaper insurance is attainable both online and also from your neighborhood agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies may not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

More detailed auto insurance information is available in these articles: