How to Compare Jersey City Suzuki Kizashi Insurance

Trying to find cheaper insurance for a Suzuki Kizashi in New Jersey can turn out to be a lot of work, but you can learn these tips to make it easier.

There are both good and bad ways to buy car insurance and you need to know the absolute fastest way to quote coverages for a Suzuki and get the lowest possible price either online or from Jersey City insurance agents.

Anyone knows that insurance companies want to keep you from comparing rates. People who perform rate comparisons are likely to buy a new policy because there is a high probability of finding a policy with better rates. A study showed that consumers who make a habit of shopping around saved as much as $860 a year compared to drivers who never compared other company’s rates.

If finding low prices for car insurance in Jersey City is your ultimate target, then learning a little about how to find and compare insurance coverage can save time, money, and frustration.

Cutting your Jersey City auto insurance rates is a great way to save money. You just need to spend a little time comparing free Jersey City car insurance quotes to discover which company has affordable Jersey City car insurance quotes.

The companies shown below have been selected to offer comparison quotes in New Jersey. To find cheaper car insurance in Jersey City, it’s a good idea that you get rate quotes from several of them to get the best price comparison.

Rates and information analytics

The table displayed next outlines estimates of insurance policy prices for Suzuki Kizashi models. Being able to understand how policy premiums are calculated can benefit drivers when making smart choices when choosing a car insurance company.

Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rate quotes do not factor in the specific area where the vehicle is garaged which can raise or lower premium rates considerably.

Deductible analysis

When comparing insurance rates, the most common question is how high or low should comp and collision deductibles be. The rates shown below sum up the difference in cost between high and low coverage deductibles. The first price estimate table uses a $100 physical damage coverage deductible and the second rate chart uses a $500 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Prices do not factor in vehicle garaging location which can influence coverage prices significantly.

Based on the figures above, using a $100 deductible costs an average of $35 more each month or $420 annually across all Suzuki Kizashi models than quoting the higher $500 deductible. Because you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at least 11 months between claims, you would probably be better off by selecting a higher deductible.

The chart below highlights how deductible choice and can impact Suzuki Kizashi insurance rates for different ages of insureds. The premiums are based on a married male driver, full coverage, and no discounts are applied to the premium.

How much more does full coverage cost in Jersey City?

The chart below visualizes the comparison of Suzuki Kizashi insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in New Jersey. The data is based on a clean driving record, no claims, $500 deductibles, marital status is single, and no discounts are applied to the premium.

When to stop buying full coverage

There isn’t a written rule for excluding full coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is more than about 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let’s pretend your Suzuki Kizashi book value is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $8,000 after paying your deductible. If premiums are more than $800 a year for your policy with full coverage, then it may be the right time to buy liability only.

There are some conditions where removing full coverage is not advised. If you haven’t satisfied your loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should maintain full coverage.

Auto insurance in New Jersey serves several purposes

Despite the potentially high cost of Suzuki Kizashi insurance, paying for auto insurance is required by state law in New Jersey and it also provides benefits you may not be aware of.

• Almost all states have compulsory liability insurance requirements which means state laws require specific minimum amounts of liability insurance coverage if you don’t want to risk a ticket. In New Jersey these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If your vehicle has a loan, more than likely the lender will make it mandatory that you have physical damage coverage to ensure they get paid if you total the vehicle. If you let the policy lapse, the bank or lender will purchase a policy for your Suzuki at a much higher rate and force you to pay a much higher amount than you were paying before.
• Insurance safeguards your car and your assets. Insurance will pay for medical expenses for yourself as well as anyone injured by you. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If your Suzuki gets damaged, your auto insurance policy will pay all costs to repair after the deductible has been paid.

The benefits of buying auto insurance more than cancel out the cost, particularly for liability claims. Despite what companies tell you, the average driver is wasting up to $865 each year so it’s important to compare rates at every renewal to ensure rates are competitive.

Insurance discounts help lower rates for Suzuki Kizashi insurance in Jersey City

Insurance is not inexpensive, but you might find some hidden discounts that you may not even know about. Most are applied at the time of quoting, but once in a while a discount must be inquired about before you will receive the discount.

• Accident Free – Drivers who don’t have accidents pay much less in comparison with policyholders that have many claims.
• Own a Home and Save – Simply owning a home may earn you a small savings because maintaining a house means you have a higher level of financial diligence.
• Theft Deterrent System – Vehicles equipped with anti-theft or alarm systems can help prevent theft so companies will give you a small discount.
• Student Driver Training – Require your teen driver to successfully complete driver’s ed class as it can save substantially.
• Military Discounts – Having an actively deployed family member could mean lower premium rates.
• Accident Waiver – This one is not really a discount per se, but certain companies will turn a blind eye to one accident before your rates go up as long as you don’t have any claims prior to being involved in the accident.

Don’t be shocked that most discount credits are not given to the entire policy premium. Most cut the cost of specific coverages such as liability, collision or medical payments. Even though it appears you could get a free insurance policy, insurance companies aren’t that generous. But all discounts should definitely cut the premium cost.

The diagram below shows the difference between Suzuki Kizashi annual premium costs with and without discounts being applied to the rates. The premium estimates are based on a male driver, no tickets, no at-fault accidents, New Jersey state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, marriage, safe-driver, homeowner, and multi-policy discounts applied.

Larger insurance companies and a partial list of their discounts can be read below.

• Farm Bureau offers premium reductions for renewal discount, safe driver, driver training, good student, and multi-policy.
• Liberty Mutual offers discounts including good student, teen driver discount, safety features, preferred payment discount, and hybrid vehicle.
• State Farm may offer discounts for defensive driving training, accident-free, anti-theft, student away at school, safe vehicle, and passive restraint.
• Auto-Owners Insurance policyholders can earn discounts including anti-theft, paperless, company car, good student, mature driver, and group or association.
• GEICO discounts include defensive driver, multi-vehicle, daytime running lights, five-year accident-free, air bags, driver training, and good student.
• SAFECO has discounts for accident prevention training, teen safety rewards, teen safe driver, anti-lock brakes, and safe driver.

Before purchasing a policy, check with every prospective company how you can save money. Savings might not be offered in Jersey City. For a list of companies that offer multiple discounts in New Jersey, click this link.

How to know if you need help

When quoting and comparing proper insurance coverage, there really is not a single plan that fits everyone. Everyone’s situation is unique.

These are some specific questions could help you determine whether your personal situation would benefit from an agent’s advice.

• What is the minimum liability in New Jersey?
• Are rock chip repairs covered?
• If my car is totaled with they pay enough to replace it?
• Why am I required to buy high-risk coverage?
• Does coverage extend to a rental car in a foreign country?
• Is my business laptop covered if it gets stolen from my vehicle?
• Does insurance cover damages from a DUI accident?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Do I need an agent?

Some consumers just want to talk to an insurance agent and we recommend doing that Professional agents can help you choose the best coverages and will help you if you have claims. A nice benefit of comparing insurance prices online is the fact that you can find better rates but also keep your business local. Buying from and supporting small agencies is important especially in Jersey City.

Once you complete this short form, the quote information is immediately sent to local insurance agents who will give you quotes to get your business. You won’t even need to leave your computer because prices are sent straight to your inbox. If you want to get a comparison quote from a particular provider, you can always search and find their rate quote page to submit a rate quote request.

What type of Jersey City auto insurance agent is right for you?

When looking for a local insurance agency, it’s helpful to know the different types of agencies that you can choose from. Car insurance policy providers are either independent agents or exclusive agents. Either can provide car insurance policies, but it is a good idea to know how they differ because it can factor into which type of agent you select.

Independent Agents

Agents in the independent channel are not locked into one company so they can write business with an assortment of companies and find the cheapest rate. If they quote lower rates, they can switch companies in-house and you don’t have to find a new agent. When comparing car insurance prices, you absolutely need to get several quotes from a few independent agents for the best price selection. Most independent agents also contract with small mutual carriers that may provide cheaper car insurance rates.

Shown below is a short list of independent agencies in Jersey City who may provide free rate quotes.

• Blake Agency
  370 Pacific Ave – Jersey City, NJ 07304 – (201) 209-0065 – View Map
• JFK Insurance Agency
  746 Bergen Ave – Jersey City, NJ 07306 – (908) 425-1544 – View Map
• Exodus Insurance Services
  758 Ocean Ave – Jersey City, NJ 07304 – (201) 433-1015 – View Map

More insurance agents

Exclusive Insurance Agents

These agents have only one company to place business with like Farmers Insurance, American Family, State Farm and Allstate. Exclusive agencies are unable to compare rates from other companies so they are skilled at selling on more than just price. They are usually well trained on their company’s products which helps them sell insurance even at higher premiums. Many people choose to use an exclusive agent primarily because of the brand legacy rather than low price.

Below is a short list of exclusive agencies in Jersey City that can give you comparison quotes.

• Allstate Insurance: Emad Soliman
  844 Bergen Ave – Jersey City, NJ 07306 – (201) 332-6999 – View Map
• Hemant Jiwnani – State Farm Insurance Agent
  2770 John F Kennedy Blvd, FL-1 – Jersey City, NJ 07306 – (201) 653-1770 – View Map
• Mansa Nicome – State Farm Insurance Agent
  86 NJ-35 – Neptune City, NJ 07753 – (732) 776-9999 – View Map

More insurance agents

Finding a good car insurance agent requires more thought than just a cheap price. These are valid questions to ask:

• Do they get extra compensation for selling add-on coverages?
• Does the agency have a positive business rating?
• Do they have 24-hour customer assistance?
• Are they primarily personal or commercial lines agents in Jersey City?
• Do they write coverage based solely on cost?
• Does the company have a solid financial rating?
• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.

Car insurance coverage information

Having a good grasp of your car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

UM/UIM Coverage – Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Suzuki Kizashi.

Due to the fact that many New Jersey drivers only purchase the least amount of liability that is required (New Jersey limits are 15/30/5), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like nursing services, chiropractic care and pain medications. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

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

Collision insurance covers things such as rolling your car, sustaining damage from a pot hole, colliding with another moving vehicle and crashing into a building. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible on your Kizashi to save money on collision insurance.

Comprehensive or Other Than Collision – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like falling objects, vandalism, hitting a bird, hail damage and damage from getting keyed. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability insurance – Liability coverage protects you from damage or injury you incur to other people or property. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 15/30/5 that means you have a limit of $15,000 per injured person, $30,000 for the entire accident, and a total limit of $5,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like bail bonds, medical services, emergency aid, pain and suffering and court costs. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible. New Jersey state minimum liability requirements are 15/30/5 but it’s recommended drivers buy better liability coverage.

The chart below shows why buying minimum limits may not be adequate.

Cheaper coverage is out there

A few companies may not have online quoting and many times these smaller companies only sell through local independent agents. Cheaper auto insurance in Jersey City is definitely available from both online companies in addition to local insurance agencies, and you should compare price quotes from both to get a complete price analysis.

Consumers switch companies for a variety of reasons including an unsatisfactory settlement offer, high prices, unfair underwriting practices and extreme rates for teen drivers. Regardless of your reason, finding a new auto insurance company is pretty simple and you could end up saving a buck or two.

We just showed you a lot of techniques to reduce Suzuki Kizashi insurance car insurance rates online in Jersey City. It’s most important to understand that the more companies you get premium rates for, the more likely it is that you will get a better rate. You may even discover the lowest priced auto insurance comes from an unexpected company.

Steps to finding affordable quotes for Suzuki Kizashi insurance in Jersey City

If you want to save the most money, the best way to save on car insurance rates in Jersey City is to start comparing prices yearly from different companies in New Jersey.

First, spend a few minutes and learn about the different coverages in a policy and the measures you can control to prevent high rates. Many factors that are responsible for high rates like careless driving and a substandard credit score can be rectified by making lifestyle changes or driving safer.

Second, request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from a single company like GEICO and Allstate, while independent agencies can quote prices for many different companies. View a list of agents

Third, compare the new rate quotes to your current policy premium and see if you can save money. If you find a lower rate, make sure there is no lapse between the expiration of your current policy and the new one.

Fourth, notify your company or agent of your intention to cancel your existing policy. Submit a down payment and signed policy application for the new coverage. Make sure you place your new proof of insurance certificate along with your vehicle registration.

The key thing to remember is to try to compare the same deductibles and limits on every quote and and to compare all possible companies. Doing this helps ensure a fair price comparison and a complete price analysis.

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• What is the Cheapest Auto Insurance in Jersey City, New Jersey? (FAQ)
• What Insurance is Cheapest for a 20 Year Old Female in Jersey City? (FAQ)
• How Can I Save Money on Auto Insurance? (Insurance Information Institute)
• What is Gap Insurance? (Insurance Information Institute)
• Auto Insurance for Teen Drivers (Insurance Information Institute)
• What Does No-Fault Insurance Cover? (Allstate)