Affordable Suzuki Kizashi Insurance in San Francisco

Insurance quote for Suzuki Kizashi in San FranciscoIf you want to save money, the best way to find better pricing on car insurance rates in San Francisco is to annually compare prices from insurers who sell insurance in California.

First, learn about the coverage provided by your policy and the steps you can take to prevent expensive coverage. Many rating criteria that cause high rates such as accidents, traffic violations, and a bad credit rating can be improved by being financially responsible and driving safely.

Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like Progressive or State Farm, while independent agencies can provide rate quotes for many different companies. View prices

Third, compare the new rate quotes to your existing policy and determine if cheaper Kizashi coverage is available in San Francisco. If you find a lower rate, make sure the effective date of the new policy is the same as the expiration date of the old one.

Fourth, provide proper notification to your current company of your decision to cancel your current coverage and submit the required down payment along with the signed application for the new coverage. Immediately upon receiving it, place your new certificate verifying coverage in your vehicle.

An essential thing to point out is to try to use similar deductibles and liability limits on every quote request and and to get prices from as many carriers as you can. This helps ensure an apples-to-apples comparison and the best rate selection.

It’s safe to assume that car insurance companies don’t want their policyholders to compare prices. Insureds who shop rates annually will presumably move their business because they stand a good chance of finding better rates. A recent survey revealed that consumers who compared rates regularly saved as much as $72 a month compared to other drivers who never shopped around.

If finding the cheapest price for Suzuki Kizashi insurance is the reason for your visit, then learning a little about how to find and compare insurance premiums can save time and money.

These tips will familiarize you with how insurance works and some money-saving tips. If you are insured now, you will definitely be able to find better prices using the ideas presented in this article. Comparison shoppers just have to know how to get comparison quotes over the internet.

Affordable companies for Suzuki Kizashi insurance

The companies in the list below are ready to provide free quotes in San Francisco, CA. If several companies are displayed, it’s a good idea that you click on several of them to get a more complete price comparison.

Insurance statistics and figures

The premium table displayed next covers detailed analysis of insurance premium costs for Suzuki Kizashi models. Learning more about how insurance policy premiums are established can assist in making smart choices when purchasing an insurance policy.

Suzuki Kizashi Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $292 $570 $416 $24 $124 $1,426 $119
Kizashi S AWD $330 $570 $416 $24 $124 $1,464 $122
Kizashi SE $330 $570 $416 $24 $124 $1,464 $122
Kizashi GTS $330 $672 $416 $24 $124 $1,566 $131
Kizashi SE AWD $330 $672 $416 $24 $124 $1,566 $131
Kizashi GTS AWD $330 $672 $416 $24 $124 $1,566 $131
Kizashi SLS $330 $672 $416 $24 $124 $1,566 $131
Kizashi SLS AWD $368 $672 $416 $24 $124 $1,604 $134
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Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Rate quotes do not factor in garaging location in San Francisco which can revise rates noticeably.

Earn discounts on San Francisco car insurance

Car insurance is not an enjoyable expense, but you might already qualify for some discounts that may help make it more affordable. Some discounts will apply at quote time, but a few need to be asked for before you will receive the discount.Car insurance discounts

Discounts lower rates, but some credits don’t apply to the entire cost. Most cut individual premiums such as physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, it just doesn’t work that way. But all discounts should definitely cut your premiums.

The information below compares Suzuki Kizashi auto insurance rates with and without discounts applied to the rates. The premiums assume a male driver, a clean driving record, no claims, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, claim-free, multi-policy, safe-driver, and homeowner discounts applied.

Popular car insurance companies and some of their more popular discounts can be found below.

When getting a coverage quote, ask every prospective company which discounts you qualify for. Depending on the company, some discounts may not apply to policyholders in San Francisco.

Comparing rates from local San Francisco car insurance agents

Some people still like to go talk to an agent and we recommend doing that Professional agents will help you protect your assets and help file insurance claims. A nice benefit of comparing rate quotes online is the fact that you can find cheaper car insurance rates and still buy from a local agent. Putting coverage with neighborhood insurance agencies is important especially in San Francisco.

Insurance agents in San FranciscoAfter completing this short form, your insurance coverage information gets sent to companies in San Francisco who will return price quotes for your insurance coverage. It’s much easier because you don’t need to even leave your home because prices are sent directly to you. If you wish to quote rates from a specific insurance company, you just need to search and find their rate quote page and complete a quote there.

Different types of San Francisco auto insurance agents

If you want to use a good San Francisco insurance agent, there are a couple of different types of agencies and how they work. Insurance policy providers can be classified as either independent agents or exclusive agents depending on their employer. Either one can properly insure your vehicles, but it’s good to learn the differences since it can affect your agent selection.

Independent Insurance Agencies

Agents that elect to be independent are not employed by one company and that gives them the ability to insure with many different companies and possibly get better coverage at lower prices. If your agent finds better pricing, the business is moved internally which requires no work on your part. If you are comparing insurance prices, you absolutely need to compare prices from at a minimum one independent agency to have the most options to choose from. They also have the ability to place coverage with small regional insurance companies that can offer cheaper rates than bigger companies.

Below are San Francisco independent agents that can give you comparison quotes.

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Exclusive Insurance Agents

These type of agents can only provide one company’s prices such as Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents are unable to give you multiple price quotes so keep that in mind. These agents are usually quite knowledgeable on their company’s products and that can be a competitive advantage. Consumers frequently use the same exclusive agent mainly due to the brand rather than having low rates.

The following are exclusive agents in San Francisco who can help you get price quote information.

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Choosing an insurance agent shouldn’t rely on just a cheap price. Any agent in San Francisco should have no problem answering these questions:

After receiving good feedback to any questions you may have and a low price estimate, you have narrowed it down to a car insurance agent that meets the criteria to provide insurance coverage.

Insurance coverages explained

Learning about specific coverages of your insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hail damage, theft and hitting a deer. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like ambulance fees, prosthetic devices, chiropractic care and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay


Liability insurance will cover damage or injury you incur to other people or property. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 15/30/5 that translate to $15,000 in coverage for each person’s injuries, a per accident bodily injury limit of $30,000, and property damage coverage for $5,000. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like loss of income, funeral expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible. California state law requires minimum liability limits of 15/30/5 but you should consider buying more coverage.

The illustration below shows why the minimum limit may not be enough.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your Suzuki Kizashi.

Since a lot of drivers have only the minimum liability required by law (15/30/5), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits are set the same as your liability limits.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like rolling your car, driving through your garage door, crashing into a ditch and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible on your Kizashi to save money on collision insurance.

More comparisons equals affordable rates

Insureds switch companies for a number of reasons such as questionable increases in premium, lack of trust in their agent, high prices or extreme rates for teen drivers. Whatever your reason, finding a new company can be easier than you think.

Cheaper Suzuki Kizashi insurance in San Francisco is possible online as well as from independent agents in San Francisco, so you need to quote San Francisco auto insurance with both in order to have the best chance of saving money. Some insurance providers may not offer online price quotes and most of the time these regional carriers only sell through independent agencies.

We’ve covered a lot of tips how to get a better price on Suzuki Kizashi insurance in San Francisco. The most important thing to understand is the more price quotes you have, the better your chances of lowering your premium rates. You may even be surprised to find that the lowest car insurance rates are with a small mutual company.

More information can be found at the links below