Auto Insurance Quotes for a Suzuki Kizashi in Boston

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Discount Suzuki Kizashi insuranceAre you a victim of an under-performing, overpriced auto insurance policy? You're in good company because many Boston consumers are in the same pinch.

It's a known fact that auto insurance companies don't want you to look for cheaper rates. Consumers who compare price quotes are very likely to buy a new policy because there is a high probability of finding a cheaper policy. A recent survey found that people who compared prices once a year saved over $3,400 over four years as compared to drivers who never shopped around for cheaper prices.

If finding the cheapest rates on insurance in Boston is your objective, learning how to quote and compare insurance rates can help make the process easier. Many insurers vie to insure your vehicles, so it's not easy to compare every provider and get the best coverage at the lowest rate on Suzuki Kizashi insurance in Boston.

The companies shown below can provide free rate quotes in Boston, MA. To get cheap car insurance in Boston, we recommend you visit two to three different companies to get the lowest price.

Insurance does more than just repair your car

Even though it's not necessarily cheap to insure a Suzuki in Boston, insurance is a good idea for several reasons.

  • Almost all states have minimum mandated liability insurance limits which means you are required to carry specific limits of liability protection if you want to drive legally. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If your Kizashi has a lienholder, most banks will make it a condition of the loan that you have full coverage to guarantee loan repayment. If you let the policy lapse, the bank may buy a policy for your Suzuki at a significantly higher premium and make you pay the higher premium.
  • Insurance protects both your assets and your Suzuki Kizashi. It will also pay for most medical and hospital costs incurred in an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If you have damage to your Suzuki as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.

The benefits of buying insurance more than offset the price you pay, particularly if you ever have a claim. Despite what companies tell you, the average driver is overpaying over $869 every year so compare rates every year to save money.

Analysis of coverages

The premium table displayed next outlines different insurance premium costs for Suzuki Kizashi models. Learning a little about how auto insurance policy rates are established can be valuable when making smart choices when comparing insurance rates.

Suzuki Kizashi Insurance Rates in Boston, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $210 $350 $334 $20 $100 $1,014 $85
Kizashi S AWD $236 $350 $334 $20 $100 $1,040 $87
Kizashi SE $236 $350 $334 $20 $100 $1,040 $87
Kizashi GTS $236 $414 $334 $20 $100 $1,104 $92
Kizashi SE AWD $236 $414 $334 $20 $100 $1,104 $92
Kizashi GTS AWD $236 $414 $334 $20 $100 $1,104 $92
Kizashi SLS $236 $414 $334 $20 $100 $1,104 $92
Kizashi SLS AWD $264 $414 $334 $20 $100 $1,132 $94
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Price information does not factor in specific zip code location which can lower or raise prices greatly.

Where to set your deductibles

One frequently asked question is how high should your deductibles be. The rates below can help you understand the rate fluctuation between high and low physical damage deductibles. The first rate estimation uses a $100 deductible for comprehensive and collision coverage and the second set of prices uses a $1,000 deductible.

Suzuki Kizashi insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $288 $520 $334 $20 $100 $1,287 $107
Kizashi S AWD $324 $520 $334 $20 $100 $1,323 $110
Kizashi SE $324 $520 $334 $20 $100 $1,323 $110
Kizashi GTS $324 $612 $334 $20 $100 $1,415 $118
Kizashi SE AWD $324 $612 $334 $20 $100 $1,415 $118
Kizashi GTS AWD $324 $612 $334 $20 $100 $1,415 $118
Kizashi SLS $324 $612 $334 $20 $100 $1,415 $118
Kizashi SLS AWD $362 $612 $334 $20 $100 $1,453 $121
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Suzuki Kizashi insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $160 $274 $334 $20 $100 $888 $74
Kizashi S AWD $180 $274 $334 $20 $100 $908 $76
Kizashi SE $180 $274 $334 $20 $100 $908 $76
Kizashi GTS $180 $322 $334 $20 $100 $956 $80
Kizashi SE AWD $180 $322 $334 $20 $100 $956 $80
Kizashi GTS AWD $180 $322 $334 $20 $100 $956 $80
Kizashi SLS $180 $322 $334 $20 $100 $956 $80
Kizashi SLS AWD $200 $322 $334 $20 $100 $976 $81
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Prices do not factor in vehicle location which can increase or decrease coverage prices substantially.

Based on the above data, using a $100 deductible would cost the average driver about $37 more each month or $444 for a full year than buying the higher $1,000 deductible. Since you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you have more than 24 months between claims, you would probably save some money if you choose a higher deductible.

The example below illustrates how your choice of deductibles and can increase or decrease Suzuki Kizashi insurance costs for different age groups. The costs are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Irresponsible driving raises your rates

The diagram below demonstrates how traffic citations and fender-benders can influence Suzuki Kizashi auto insurance costs for different ages of insureds. The premiums assume a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.

Cost comparison with and without full coverage

The information below illustrates the difference between Suzuki Kizashi car insurance costs with full coverage and liability only. The data assumes a clean driving record, no at-fault accidents, $100 deductibles, single marital status, and no discounts are applied.

When to eliminate full coverage

There is no exact rule for dropping comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let's say your Suzuki Kizashi settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, you would only receive $2,000 after the policy deductible has been paid. If premiums are more than $200 annually to have full coverage, then it could be time to drop full coverage.

There are some scenarios where dropping physical damage coverage is not advised. If you still owe money on your vehicle, you are required to maintain full coverage to protect the lienholder's interest. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage.

Score discounts on Boston auto insurance

The cost of insuring your cars can be expensive, but there could be significant discounts that can dramatically reduce your bill. Some discounts apply automatically when you purchase, but once in a while a discount must be specifically requested prior to receiving the credit.Discount auto insurance

  • Claim-Free Discount - Good drivers with no accidents can save substantially as opposed to policyholders that have many claims.
  • Passenger Safety Discount - Vehicles with factory air bags and/or automatic seat belt systems can receive discounts as much as 30%.
  • Own a Home and Save - Just owning your own home can get you a discount because of the fact that having a home requires personal responsibility.
  • Senior Citizens - Older drivers may qualify for reduced rates.
  • Theft Deterrent - Anti-theft and alarm system equipped vehicles can help prevent theft so companies will give you a small discount.

One thing to note about discounts is that most of the big mark downs will not be given to the whole policy. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, companies don't profit that way. Any qualifying discounts will bring down the amount you pay for coverage.

The example below illustrates the comparison of Suzuki Kizashi premium costs with and without discounts applied to the rates. The premiums assume a male driver, no claims, a clean driving record, Massachusetts state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, homeowner, multi-policy, marriage, and multi-car discounts applied.

Larger auto insurance companies and their possible discounts are outlined below.

  • Esurance may have discounts that include online shopper, Switch & Save, multi-policy, paid-in-full, and homeowner.
  • The Hartford has discounts for good student, vehicle fuel type, defensive driver, bundle, driver training, air bag, and anti-theft.
  • AAA discounts include good student, anti-theft, education and occupation, pay-in-full, good driver, multi-car, and multi-policy.
  • GEICO includes discounts for emergency military deployment, multi-vehicle, daytime running lights, driver training, seat belt use, and anti-theft.
  • State Farm has savings for multiple autos, accident-free, safe vehicle, student away at school, multiple policy, good student, and anti-theft.

Before buying, ask each insurance company to give you their best rates. Discounts may not be available in Boston. If you would like to choose from a list of auto insurance companies offering auto insurance discounts in Boston, click this link.

Car insurance companies ranked

Insuring your vehicle with the highest-rated insurer is difficult considering how many companies sell insurance in Massachusetts. The ranking data shown below may help you analyze which providers to look at when shopping around.

Top 10 Boston Car Insurance Companies by A.M. Best Rank

  1. USAA - A++
  2. GEICO - A++
  3. Travelers - A++
  4. State Farm - A++
  5. Allstate - A+
  6. Nationwide - A+
  7. Esurance - A+
  8. Progressive - A+
  9. The Hartford - A+
  10. Mercury Insurance - A+

Top 10 Boston Car Insurance Companies Ranked by Customer Service

  1. Mercury Insurance
  2. Titan Insurance
  3. The Hartford
  4. American Family
  5. Progressive
  6. USAA
  7. Travelers
  8. State Farm
  9. GEICO
  10. Allstate