Expensive car insurance in Newark can overdraw your checking account and force you to make sacrifices. Doing a rate comparison is recommended to tighten up your finances.
We don’t have to point out that fact that insurance companies want to keep your business as long as possible. Consumers who compare other prices will probably switch to a new company because they have good chances of finding a lower-cost company. Remarkably, a study showed that drivers who made a habit of comparing rate quotes saved over $3,400 over four years compared to drivers who never shopped for cheaper rates.
If finding discount rates on insurance is your ultimate objective, then knowing how to get free comparison quotes and analyze insurance coverage can make the process less intimidating.
Consumers have many insurance companies to buy insurance from, and even though it’s nice to be able to choose, it can be more challenging to find the lowest rates for Suzuki Kizashi insurance in Newark.
Many insurance companies such as State Farm, GEICO and Progressive provide coverage price quotes directly from their websites. Getting online rates for Suzuki Kizashi insurance in Newark is quite simple as you just type in your coverage preferences on the page. After the form is submitted, the quote system obtains information on your driving record and credit history and returns a price quote. This simplifies rate comparisons, and it’s also necessary to get many rate quotes if you are searching for cheap rates.
If you want to compare rates using this form now, check out the insurance providers below. If you currently have coverage, we recommend you copy coverages and limits exactly as they are listed on your policy. This makes sure you will have rate quotes based on the exact same insurance coverage.
The following companies provide comparison quotes in Newark, NJ. If you want to find cheap car insurance in NJ, it’s highly recommended you get price quotes from several of them in order to find the most affordable rates.
Save money with these discounts on Suzuki Kizashi insurance in Newark
Some providers do not list every policy discount very well, so the below list has a few of the more well known and also the lesser-known discounts that may be available.
- Renewal Discounts – A few insurance companies allow discounts for switching to them early. This discount can save up to 10%.
- Auto/Home Discount – If you have multiple policies with the same insurance company you could get a discount of 10% to 20% off each policy.
- Multiple Vehicles – Drivers who insure more than one vehicle on one policy can get a discount on all vehicles.
- Senior Discount – Mature drivers are able to get lower premium rates.
- Payment Discounts – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
Discounts lower rates, but some credits don’t apply to the entire cost. Some only apply to individual premiums such as liability and collision coverage. So even though they make it sound like you can get free auto insurance, companies don’t profit that way.
The illustration below illustrates the difference between Suzuki Kizashi insurance costs with and without policy discounts. The costs are based on a female driver, no driving violations, no at-fault accidents, New Jersey state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, marriage, multi-policy, homeowner, and safe-driver discounts applied.
The best insurance companies and some of their more popular discounts are included below.
- GEICO includes discounts for anti-theft, multi-policy, defensive driver, daytime running lights, and seat belt use.
- SAFECO has discounts for multi-car, bundle discounts, drive less, accident prevention training, teen safe driver, safe driver, and anti-lock brakes.
- State Farm has savings for Drive Safe & Save, good driver, accident-free, safe vehicle, multiple policy, multiple autos, and good student.
- MetLife offers discounts for accident-free, good driver, multi-policy, good student, claim-free, defensive driver
- 21st Century discounts include 55 and older, teen driver, early bird, air bags, homeowners, and anti-lock brakes.
- Progressive policyholders can earn discounts including multi-policy, online quote discount, online signing, good student, and continuous coverage.
Before purchasing a policy, check with all the companies how you can save money. Some discounts might not apply in your area.
Statistics and details
The rate table shown below covers different insurance prices for Suzuki Kizashi models. Having knowledge of how policy rates are figured can assist in making informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Kizashi S | $320 | $644 | $544 | $32 | $162 | $1,702 | $142 |
| Kizashi S AWD | $360 | $644 | $544 | $32 | $162 | $1,742 | $145 |
| Kizashi SE | $360 | $644 | $544 | $32 | $162 | $1,742 | $145 |
| Kizashi GTS | $360 | $760 | $544 | $32 | $162 | $1,858 | $155 |
| Kizashi SE AWD | $360 | $760 | $544 | $32 | $162 | $1,858 | $155 |
| Kizashi GTS AWD | $360 | $760 | $544 | $32 | $162 | $1,858 | $155 |
| Kizashi SLS | $360 | $760 | $544 | $32 | $162 | $1,858 | $155 |
| Kizashi SLS AWD | $402 | $760 | $544 | $32 | $162 | $1,900 | $158 |
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Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Information does not factor in the specific area where the vehicle is garaged which can impact auto insurance rates significantly.
Should you buy full coverage?
The diagram below shows the difference between Suzuki Kizashi car insurance costs with full physical damage coverage compared to only buying liability only. The premiums assume no violations or claims, $1,000 deductibles, drivers are single, and no discounts are factored in.
When to stop paying for full coverage
There is no definitive guideline to exclude full coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.
For example, let’s assume your Suzuki Kizashi settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $4,000 after you pay the deductible. If it’s costing you more than $400 annually for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.
There are some situations where only buying liability is not recommended. If you still owe money on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not consider dropping full coverage.
Smart Buyers Save Every Year
An important part of buying insurance is that you know the rating factors that are used to determine your policy premiums. When consumers understand what positively or negatively impacts your premiums, this allows you to make educated decisions that may result in better auto insurance rates. Many factors are used when you quote your car insurance policy. Some are pretty understandable such as traffic violations, but some are more transparent such as your credit history or your financial responsibility.
Better drivers pay lower costs – Being a careful driver impacts premiums far more than you think. Even one moving violation can bump up the cost by twenty percent. Good drivers receive lower rates than people who have multiple driving citations. Drivers unfortunate enough to have serious violations such as DUI, reckless driving or excessive speeding might be required by their state to file a SR-22 with the DMV in their state in order to keep their license.
The illustration below highlights how traffic violations and at-fault collisions can increase Suzuki Kizashi insurance costs for each different age group. The premiums are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.
Lower rates with uninterrupted coverage – Driving without insurance coverage in place can get you a ticket and you will pay a penalty because you let your insurance expire. In addition to paying higher rates, getting caught without coverage might get you fines and jail time. You could then be forced to file a SR-22 with the New Jersey motor vehicle department.
Is you occupation costing you more? – Did you know your career choice can influence rates? Occupational choices like real estate brokers, architects, and dentists generally pay higher premium rates in part from intense work-related stress and long work days. On the other hand, occupations like scientists, historians and performers have lower than average premiums.
Vehicle options that lower rates – Choosing to buy a car with advanced anti-theft systems can get you a discount on your auto insurance. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft and help bring rates down.
Where you call home is a factor – Residing in less populated areas can save you money when it comes to auto insurance. Fewer drivers and short commutes means reduced accidents and a lower car theft rate. People who live in big cities have to deal with congested traffic and a longer drive to work. Spending more time driving can result in more accidents.