Best Insurance for a Suzuki Kizashi in Milwaukee

Looking for more affordable auto insurance rates in Milwaukee, WI? Milwaukee consumers have options when looking for low-cost Suzuki Kizashi insurance. They can either waste time calling around getting price quotes or leverage the internet to find the lowest rates.

There are more efficient ways to find auto insurance online so you’re going to learn the proper way to get price quotes for your Suzuki and get the best price possible from both online companies and Milwaukee agents.

Sad but true, the vast majority of auto insurance customers have been with the same company for at least four years, and approximately 38% of consumers have never compared rates with other companies. Drivers in Milwaukee can save roughly 30% each year just by shopping around, but they don’t believe the benefits if they switched to a more affordable policy.

Consumers should take time to do rate comparisons occasionally due to the fact that insurance rates trend upward over time. If you had the best rate on Suzuki Kizashi insurance in Milwaukee six months ago a different company probably has better prices today. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to how to use online quotes to reduce your cost while improving coverage.

Our objective is to instruct you on how car insurance companies work and how you can save the most money. If you are already insured, you stand a good chance to be able to cut your premiums using the concepts you’re about to learn. Consumers just need to know the fastest way to shop for car insurance using one simple form.

What Affects Suzuki Kizashi Insurance Costs?

A large part of saving on insurance is knowing some of the elements that help calculate your insurance rates. If you understand what positively or negatively impacts your premiums, this enables informed choices that can help you get cheaper rates.

The items below are most of the major factors used by insurance companies to determine premiums.

• If you don’t need it don’t buy it – Insurance companies have many extra add-on coverages that you can buy if you aren’t diligent. Things like vanishing deductibles, accident forgiveness, and membership fees are examples of these. These may sound like a good investment when talking to your agent, but now you might not need them so eliminate them to save money.
• Tickets drive up rates – Your driving citation history has a lot to do with how much you pay for insurance. Even a single chargeable violation may cause rates to rise by twenty percent. Drivers with clean records get better prices compared to bad drivers. Drivers who have gotten serious tickets like hit and run, DWI or reckless driving convictions are required to complete a SR-22 with the DMV in their state in order to legally drive.
• Avoid coverage lapses – Allowing your insurance policy to lapse is a sure-fire way to increase your renewal premiums. Not only will you pay higher rates, the inability to provide proof of insurance might get you a license revocation or jail time. You may then be required to prove you have insurance by filing a SR-22 with the Wisconsin department of motor vehicles.
• Do you qualify for a multi-policy discount? – Most insurance companies allow better rates to customers that have more than one policy in the form of a multi-policy discount. This can amount to 10 percent or more. Even with this discount applied, it’s still a good idea to check prices from other companies to verify if the discount is saving money. You may still be able to find lower rates even if you have your coverage with different companies
• Liability coverage – Liability insurance will protect you if ever a court rules you are at fault for damages caused by your negligence. This coverage provides legal defense which can cost a lot. Liability insurance is quite affordable compared to physical damage coverage, so do not skimp.

The quickest way to compare car insurance rates for Suzuki Kizashi insurance in Milwaukee takes advantage of the fact car insurance companies actually pay money for the chance to give rate comparisons. To begin a comparison, all you need to do is provide information such as if you lease or own, an estimate of your credit level, how old drivers are, and which vehicles you own. That rating information is sent automatically to many of the top insurers and you will get price comparisons instantly.

To compare rates for your Suzuki Kizashi now, click here and enter the information requested.

The companies in the list below provide price quotes in Wisconsin. If multiple companies are listed, we recommend you click on several of them to get the lowest price.

Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Premium costs do not factor in the specific area where the vehicle is garaged which can impact coverage rates substantially.

Suzuki Kizashi insurance costs by age and gender

The information below compares Suzuki Kizashi insurance premiums for male and female drivers. The data assumes no claims or driving violations, comprehensive and collision coverage, $250 deductibles, drivers are single, and no policy discounts are applied.

Cost difference between full coverage and liability

The example below illustrates the difference between Suzuki Kizashi insurance premiums when comparing full coverage to state minimum liability only. The premium estimates are based on no claims, a clean driving record, $250 deductibles, single female driver, and no other discounts are factored in.

Deciding between full coverage and liability only

There isn’t a steadfast formula to delete physical damage insurance, but there is a guideline you can consider. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.

For example, let’s pretend your Suzuki Kizashi replacement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $5,000 after paying your deductible. If it’s costing in excess of $500 a year for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.

There are some cases where dropping full coverage is not recommended. If you haven’t satisfied your loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not eliminate full coverage.

Comparison of policy deductibles

The hardest decision when buying coverage is how high should the physical damage coverage deductibles be. The rates shown below may help to illustrate the difference in cost between high and low physical damage deductibles. The first set of rates uses a $250 physical damage deductible and the second pricing table uses a $500 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Wisconsin minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rates do not factor in specific zip code location which can affect rates significantly.

Based on this data, we can arrive at the conclusion that using a $250 deductible could cost the average driver approximately $11 more each month or $132 annually than requesting the higher $500 deductible. Since you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally go at least 23 months between claim filings, you would probably be better off if you decide on a higher deductible. The table below shows the way you can make your own decision.

One important issue to know is that raising deductibles results in having to pay to pay more out-of-pocket when you have to file a claim. You should have enough disposable savings in the event you need to pay the deductible.

Tricks in insurance advertising

Consumers in Wisconsin can’t get away from ads that promise big savings by State Farm, Allstate and GEICO. They all tend to make the same promise of big savings if you get a free Milwaukee auto insurance quote and switch your policy.

Is it even possible that every company can charge less that you’re paying now? Just pay attention to how they say it.

Insurance providers quote their cheapest rates for a prospective insured that earns them the highest profit. A good example of a profitable customer may need to be a female over age 40, has had continuous coverage, and has great credit. Any person that meets those criteria will most likely get cheap prices and have a good chance to save when they switch companies.

Consumers who fall outside those standards will probably have to pay a higher rate which usually ends up with business not being written. The ad wording is “customers that switch” not “everyone that quotes” can save as much as they claim. This is how insurance companies can confidently make those statements.

That is why you need to compare quotes as often as possible. It is just not possible to predict which insurance companies will have better car insurance rates than you’re paying now.

Three good reasons to insure your Suzuki Kizashi

Despite the potentially high cost of Suzuki Kizashi insurance, maintaining insurance serves several important purposes.

First, most states have mandatory insurance requirements which means state laws require specific limits of liability protection if you don’t want to risk a ticket. In Wisconsin these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you took out a loan on your Kizashi, most lenders will force you to buy full coverage to ensure loan repayment if the vehicle is totalled. If you let the policy lapse, the lender may insure your Suzuki at a significantly higher premium and require you to pay much more than you were paying before.

Third, insurance safeguards not only your vehicle but also your assets. It will also pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If damage is caused by hail or an accident, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of buying enough insurance definitely exceed the price paid, especially for larger claims. Unknowingly, the average driver overpays as much as $865 each year so it’s important to compare rates at every renewal to ensure rates are competitive.

Insurance policy discounts for Suzuki Kizashi insurance in Milwaukee

Car insurance is not cheap, but there may be some discounts to help offset the cost. Some discounts apply automatically when you get a quote, but some must be asked for in order for you to get them.

• Pay Early and Save – If you can afford to pay the entire bill rather than paying monthly you could save up to 5%.
• Milwaukee Homeowners Pay Less – Simply owning a home can get you a discount because owning a home shows financial diligence.
• Theft Prevention System – Anti-theft and alarm system equipped vehicles prevent vehicle theft and earn discounts up to 10% off your Milwaukee auto insurance quote.
• Seat Belts Save – Buckling up and requiring all passengers to use a seat belt may be able to save a few bucks off the personal injury premium cost.
• Smart Student Discounts – Performing well in school can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.

Consumers should know that most credits do not apply to the whole policy. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though the math looks like it’s possible to get free car insurance, you won’t be that lucky.

Auto insurance companies who might offer these money-saving discounts possibly include:

• Progressive
• The Hartford
• Mercury Insurance
• GEICO
• AAA
• State Farm

Before you buy a policy, ask all the companies the best way to save money. Some of the earlier mentioned discounts may not be offered in Milwaukee. To see a list of insurers with discount insurance rates in Milwaukee, click here.

Buying auto insurance from Milwaukee auto insurance agents

Certain consumers still prefer to talk to an insurance agent and often times that is recommended Professional agents can point out coverage gaps and help file insurance claims. A nice benefit of comparing rates online is the fact that drivers can get the best rates and still buy from a local agent. Putting coverage with local agencies is still important in Milwaukee.

To make it easy to find an agent, after completing this form (opens in new window), the coverage information is submitted to local insurance agents who will give you bids for your auto insurance coverage. You never need to contact any agents because prices are sent immediately to your email address. If you need to compare prices from a specific company, feel free to navigate to their website and fill out the quote form the provide.

The different types of car insurance agents

If you want to use a good Milwaukee insurance agent, there are two different types of agents and how they differ in how they can insure your vehicles. Agencies in Milwaukee are classified as either exclusive or independent agents depending on their company appointments. Both insure your vehicles properly, but it’s important to know the difference in how they write coverage since it could factor into the kind of agent you use.

Independent Auto Insurance Agencies or Brokers

These agents often have many company appointments so as a result can place your coverage through many different auto insurance companies and potentially find a lower price. If they find a cheaper price, an independent agent can move your coverage and that require little work on your part. If you need cheaper auto insurance rates, you will want to get several quotes from a couple of independent agencies in order to compare the most rates. A lot of them also have access to different regional companies which could offer lower prices.

Shown below are independent agencies in Milwaukee that may be able to give you price quote information.

• Bill Luepke Insurance Agency
  1223 E Howard Ave – Milwaukee, WI 53207 – (414) 482-1040 – View Map
• Friedle Insurance Agency Inc
  7700 W Bluemound Rd #110 – Wauwatosa, WI 53213 – (414) 475-0110 – View Map
• Butzer Insurance Agency
  7311 W Burleigh St – Milwaukee, WI 53210 – (414) 445-9585 – View Map

More Milwaukee agents

Exclusive Agencies

Agents in the exclusive channel work for only one company like AAA, Allstate, and State Farm. They usually cannot shop your coverage around so if the price isn’t competitive there isn’t much they can do. Exclusive agents are usually well trained on their company’s products which helps them sell insurance even at higher premiums. Some insured continue to buy from exclusive agents partially due to the brand legacy rather than having the cheapest rates.

Below is a list of exclusive insurance agencies in Milwaukee who can help you get rate quotes.

• Allstate Insurance: Andrew J. McCabe
  4010 N Oakland Ave – Milwaukee, WI 53211 – (414) 961-1166 – View Map
• State Farm: Bob Vitt
  161 W Wisconsin Ave #5196 – Milwaukee, WI 53203 – (414) 276-3446 – View Map
• American Family Insurance – Adam Altis
  6015 W Forest Home Ave – Milwaukee, WI 53220 – (414) 321-9944 – View Map

More Milwaukee agents

Picking an auto insurance agent is decision based upon more than just the premium amount. The questions below may impact your decision as well.

• How experienced are they in personal risk management?
• Do the agents have professional certifications like CPCU or CIC?
• Did they already check your driving record and credit reports?
• Are there any discounts for paying up front?
• Which insurance companies are they affiliated with?
• Is the agent properly licensed in Wisconsin?
• Do they review policy coverages at every renewal?

If you get positive feedback to your questions and locked in a price quote, chances are good that you have found an insurance agency that is reputable and can insure your vehicles.

Insurance can get complicated

When buying insurance from an agent or online for your vehicles, there really isn’t a single plan that fits everyone. Every situation is different.

For instance, these questions can aid in determining whether or not you would benefit from an agent’s advice.

• Can I make deliveries for my home business?
• Do I get a pro-rated refund if I cancel my policy early?
• Is my ex-spouse still covered by my policy?
• Is my nanny covered when driving my vehicle?
• Do I need replacement cost coverage?
• Is upholstery damage covered by car insurance?
• Who is covered by my policy?
• Does insurance cover damages from a DUI accident?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and can help protect your family.

Don’t give up on cheap premiums

In this article, we presented a lot of techniques to save on Suzuki Kizashi insurance in Milwaukee. It’s most important to understand that the more price quotes you have, the higher your chance of finding low cost Milwaukee auto insurance quotes. You may even discover the best prices are with a lesser-known regional company.

People leave their current company for many reasons like extreme rates for teen drivers, an unsatisfactory settlement offer, not issuing a premium refund and high prices. Regardless of your reason for switching companies, finding a new insurance company is pretty simple and you could end up saving a buck or two.

While you’re price shopping online, never reduce coverage to reduce premium. In many instances, an accident victim reduced comprehensive coverage or liability limits only to regret that it was a big error on their part. Your goal should be to buy the best coverage you can find at the lowest possible cost while still protecting your assets.

More information can be found at these links:

• What if I Can’t Find Coverage? (Insurance Information Institute)
• Who Has Cheap Milwaukee Car Insurance for Homeowners? (FAQ)
• Who Has the Cheapest Milwaukee Auto Insurance for a 20 Year Old Male? (FAQ)
• How Much is Milwaukee Auto Insurance for Low Mileage Drivers? (FAQ)
• Who Has Cheap Car Insurance Quotes for Uninsured Drivers in Milwaukee? (FAQ)
• Information for Teen Drivers (GEICO)
• Credit Impacts Car Insurance Rates (State Farm)
• Senior Drivers (Insurance Information Institute)