How Much Does 2006 Suzuki Aerio Insurance Cost?

Want the cheapest insurance rates? Drivers have lots of choices when trying to find affordable Suzuki Aerio insurance. You can either waste hours struggling with agents to get rate comparisons or save time using the internet to make rate comparisons.

There is a better way to shop for insurance and you need to know the best way to price shop coverage for a new or used Suzuki and locate the cheapest rates from local insurance agents and online providers.

It’s important to compare prices as often as possible since prices go up and down regularly. Just because you found the lowest rate for Aerio insurance a few years ago a different company probably has better premium rates today. Ignore everything you know about insurance because you’re about to find out how to use online quotes to buy cheaper insurance.

Verify you’re earning every discount

Auto insurance companies don’t always list every policy discount very well, so the following is a list of a few of the more common as well as some of the hidden credits that you can use to lower your rates. If you check and find you aren’t receiving every discount possible, you could be getting lower rates.

• Defensive Driver Discounts – Taking a course teaching defensive driver skills could save 5% or more depending on where you live.
• Multi-policy Discount – If you insure your home and vehicles with one company you could save at least 10 to 15 percent or more.
• One Accident Forgiven – but a handful of insurance companies will forgive one accident before your rates go up so long as you are claim-free for a specific time period.
• Discount for Low Mileage – Maintaining low annual mileage may enable drivers to earn slightly better rates than normal.
• ABS Braking Discount – Vehicles that have anti-lock braking systems can avoid accidents and earn discounts up to 10%.
• 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for a slight reduction on a car insurance quote for Aerio insurance.
• Good Student – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply until age 25.
• Seat Belts Save more than Lives – Requiring all passengers to fasten their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.

Remember that some of the credits will not apply to the entire cost. The majority will only reduce specific coverage prices like comp or med pay. Just because it seems like you could get a free auto insurance policy, it just doesn’t work that way. Any amount of discount will lower your premiums.

Larger auto insurance companies and some of the discounts are detailed below.

• State Farm offers discounts for defensive driving training, driver’s education, good student, student away at school, and good driver.
• Progressive policyholders can earn discounts including multi-vehicle, homeowner, online quote discount, online signing, and good student.
• Travelers has discounts for early quote, student away at school, multi-car, save driver, and multi-policy.
• American Family offers premium reductions for air bags, mySafetyValet, Steer into Savings, bundled insurance, good driver, and multi-vehicle.
• Liberty Mutual has savings for new move discount, safety features, newly married, exclusive group savings, newly retired, hybrid vehicle, and new vehicle discount.

It’s a good idea to ask every prospective company the best way to save money. Some of the discounts discussed earlier may not apply to policies in your area.

Insurance rates are influenced by these factors

A large part of saving on car insurance is knowing the factors that play a part in calculating your premiums. If you know what impacts premium levels, this allows you to make educated decisions that may reward you with lower rates.

• Gender and car insurance premiums – Over the last 30 years, statistics show that men are more aggressive behind the wheel. However, don’t assume that men are WORSE drivers than women. Men and women are responsible for accidents in similar percentages, but guys tend to have more serious accidents. Men also get more serious tickets such as driving while intoxicated (DWI) or driving recklessly.
• Liability protection limits should be high – Your car insurance policy’s liability coverage is the coverage that protects you if ever a jury decides you are liable for causing personal injury or damage in an accident. Liability insurance provides legal defense to defend your case. Liability is cheap when compared to the cost of physical damage coverage, so buy as much as you can afford.
• Big cities mean more claims – Having an address in a small town can save you money when buying car insurance. Lower population means less chance of accidents. City drivers have congested traffic and longer commutes to work. More time commuting statistically corresponds to a higher accident and claim rate.
• Only buy what you need – Insurance companies have many extra add-on coverages that sound like a good idea at the time if you don’t pay attention. Insurance for coverage for rental cars, death and dismemberment, and additional equipment coverage are probably not needed. They may seem good when talking to your agent, but if you don’t need them consider taking them off your policy.
• Decrease rates by maintaining coverage – Allowing your coverage to lapse will be a fast way to increase your renewal premiums. In addition to paying higher premiums, the inability to provide proof of insurance may earn you fines and jail time.
• Drive less and pay lower prices – Driving more miles in a year the more you will pay for car insurance. The majority of insurers apply a rate based on their usage. Autos used primarily for pleasure use can be on a lower rate level than vehicles that have high annual mileage. Verify your car insurance coverage correctly shows the right rating data, because improper ratings can cost you money. Having an incorrect usage rating on your Aerio is just wasting money.

When should I discuss my situation with an agent?

When buying the best auto insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions might help in determining if your insurance needs might need professional guidance.

• How much liability do I need to cover my assets?
• Is my teen driver covered when they drive my company car?
• At what point should I drop full coverage?
• Do I need motorclub coverage?
• How can I force my company to pay a claim?
• Should I put collision coverage on all my vehicles?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Is my ex-spouse still covered by my policy?
• Am I covered when driving on a suspended license?
• Does car insurance cover theft of personal property?

If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and may give you better protection.

Car insurance coverage options for a Suzuki Aerio

Having a good grasp of car insurance helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Collision coverages – This coverage will pay to fix damage to your Aerio resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like driving through your garage door, crashing into a ditch, colliding with another moving vehicle and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Liability car insurance – Liability coverage can cover damage or injury you incur to other people or property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things such as structural damage, repair bills for other people’s vehicles and medical services. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for surgery, nursing services and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive coverage – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like fire damage, theft, damage from flooding and a tree branch falling on your vehicle. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Saving money is sweet as honey

Throughout this article, we presented quite a bit of information on how to reduce 2006 Suzuki Aerio insurance auto insurance rates online. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Consumers could even find that the best price on car insurance is with the least-expected company.

When shopping online for car insurance, never skimp on critical coverages to save a buck or two. Too many times, someone sacrificed uninsured motorist or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy the best coverage you can find for the lowest cost while not skimping on critical coverages.

Discount 2006 Suzuki Aerio insurance can be bought on the web in addition to local insurance agencies, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies may not offer the ability to get a quote online and many times these regional carriers only sell through independent agents.

Even more information can be found in these articles:

• Auto Insurance 101 (About.com)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Credit Impacts Car Insurance Rates (State Farm)
• Things to Know Before you Cancel Insurance (Allstate)
• Understanding your Policy (NAIC.org)