Auto Insurance Rates for a Suzuki Kizashi in Tampa

Insurance quote for Suzuki Kizashi in TampaSearching for the cheapest insurance for a Suzuki Kizashi in Florida could be difficult, but you can use the following methods to save time. There is a better way to buy car insurance so we’re going to tell you the absolute fastest way to price shop coverage on a Suzuki and obtain the lowest price from Tampa insurance agents and online providers.

Most major insurance companies like Allstate and Progressive allow consumers to get prices for coverage online. The process is pretty painless as you simply enter your required coverages on the page. When the form is submitted, the quote system makes automated requests for information on your driving record and credit history and generates pricing information based on the information you submitted.

This helps simplify price comparisons, and it is imperative to get many rate quotes in order to find the best rate possible.

In order to compare rates using this form now, check out the car insurance providers below. To compare your current rates, we recommend you enter the insurance coverages identical to your current policy. This way, you’re receiving a rate comparison for the exact same coverage.

The providers in the list below are ready to provide price quotes in Tampa, FL. If multiple companies are listed, we recommend you visit as many as you can in order to find the most competitive rates.

Insurance coverage analysis

The rate table shown next outlines detailed analysis of insurance costs for Suzuki Kizashi models. Having a better understanding of how insurance rates are calculated helps drivers make smart choices when comparing insurance quotes.

Suzuki Kizashi Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $308 $636 $472 $28 $142 $1,586 $132
Kizashi S AWD $348 $636 $472 $28 $142 $1,626 $136
Kizashi SE $348 $636 $472 $28 $142 $1,626 $136
Kizashi GTS $348 $748 $472 $28 $142 $1,738 $145
Kizashi SE AWD $348 $748 $472 $28 $142 $1,738 $145
Kizashi GTS AWD $348 $748 $472 $28 $142 $1,738 $145
Kizashi SLS $348 $748 $472 $28 $142 $1,738 $145
Kizashi SLS AWD $388 $748 $472 $28 $142 $1,778 $148
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Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Information does not factor in vehicle location which can raise or lower coverage rates greatly.

Analysis of deductible levels

One common question asked by Tampa drivers is how high should the physical damage coverage deductibles be. The following insurance rates may aid in understanding the rate differences when you buy lower versus higher comp and collision deductibles. The first data set uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $1,000 deductible.

Suzuki Kizashi insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $322 $544 $418 $24 $124 $1,457 $121
Kizashi S AWD $364 $544 $418 $24 $124 $1,499 $125
Kizashi SE $364 $544 $418 $24 $124 $1,499 $125
Kizashi GTS $364 $640 $418 $24 $124 $1,595 $133
Kizashi SE AWD $364 $640 $418 $24 $124 $1,595 $133
Kizashi GTS AWD $364 $640 $418 $24 $124 $1,595 $133
Kizashi SLS $364 $640 $418 $24 $124 $1,595 $133
Kizashi SLS AWD $406 $640 $418 $24 $124 $1,637 $136
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Suzuki Kizashi insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $200 $342 $418 $24 $124 $1,108 $92
Kizashi S AWD $224 $342 $418 $24 $124 $1,132 $94
Kizashi SE $224 $342 $418 $24 $124 $1,132 $94
Kizashi GTS $224 $402 $418 $24 $124 $1,192 $99
Kizashi SE AWD $224 $402 $418 $24 $124 $1,192 $99
Kizashi GTS AWD $224 $402 $418 $24 $124 $1,192 $99
Kizashi SLS $224 $402 $418 $24 $124 $1,192 $99
Kizashi SLS AWD $250 $402 $418 $24 $124 $1,218 $102
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Premium amounts do not factor in garaging location in Tampa which can influence prices significantly.

Based on the data above, we can derive that using a $250 deductible costs roughly $33 more each month or $396 each year averaged for all Kizashi models than quoting the higher $1,000 deductible. Because you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 23 months between claims, you would probably come out ahead by selecting a higher deductible. Below is the way you can perform this determination yourself.

Average monthly premium for $250 deductibles: $130
Average monthly premium for $1,000 deductibles (subtract): – $97
Monthly savings from raising deductible: $33
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

One important issue to know is that higher deductibles means you will have to pay more when you have a claim. You need to have enough disposable income in the event you have to pay the higher deductible in order to repair your vehicle.

Age-based car insurance rates by gender

The chart below illustrates the comparison of Suzuki Kizashi yearly insurance costs for male and female drivers. The data is based on no claims or driving violations, full physical damage coverage, $100 deductibles, single status, and no discounts are taken into consideration.

Cost of full coverage in Tampa

The illustration below illustrates the comparison of Suzuki Kizashi insurance costs with and without physical damage coverage. Data assumes no violations or accidents, $500 deductibles, marital status is single, and no discounts are applied to the premium.

Are you wasting money on full coverage?

There is no clear-cut rule to stop paying for physical damage insurance, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let’s say your Suzuki Kizashi replacement cost is $7,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $6,000 after you pay the deductible. If you are paying over $600 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are a few situations where only buying liability is not financially feasible. If you haven’t satisfied your loan, you are required to maintain full coverage in order to prevent your loan from defaulting. 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.

Should I contact an insurance agency?

Some consumers would rather talk to a local agent and doing that can be a smart decision Good agents are trained to spot inefficiencies and help submit paperwork. The best thing about getting online price quotes is the fact that you can find cheap insurance quotes but still work with a licensed agent.

Insurance agents in TampaTo find an agent, once you fill out this simple form, your information is immediately sent to companies in Tampa that give free quotes for your insurance coverage. You won’t need to leave your computer because prices are sent to your email. If you have a need to get a comparison quote from a specific insurance company, don’t hesitate to search and find their rate quote page and submit a quote form there.

Deciding on an insurer shouldn’t rely on just the price. These questions are important to ask:

If you prefer to buy insurance from a reputable insurance agent or broker, it’s important to understand the different agency structures that you can choose from. Insurance agencies in Tampa may be either independent or exclusive depending on the company they work for. Both can write policy coverage, but it is important to understand why they differ since it can affect which agent you choose.

Exclusive Agencies

These agents work for only one company and examples are Allstate, AAA, Farmers Insurance, and State Farm. These agents are unable to compare other company’s rates so if the price isn’t competitive there isn’t much they can do. These agents are trained well on their company’s products which aids in selling service over price. Some insured continue to purchase coverage from exclusives mostly because of the brand and the convenience of having a single billing for all their coverages.

Below are Tampa exclusive insurance agents who may provide you with price quotes.

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Independent Insurance Agencies

Independent agencies are not employed by one company so they have the ability to put coverage with an assortment of companies and help determine which has the cheapest rates. If premiums increase, an independent agent can move your coverage and that require little work on your part. When comparing insurance prices, you will want to get quotes from multiple independent agents to ensure the widest selection of prices. Many independent agencies also insure through small mutual carriers that may provide cheaper insurance rates.

Shown below is a list of independent insurance agencies in Tampa willing to provide comparison quotes.

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After talking to the agent and getting reasonable responses and a good coverage price, you’ve probably found an insurance agent that is professional and can insure your vehicles. Keep in mind policyholders can terminate your policy at any point so never assume that you are permanently stuck with a policy with no way out.