Compare Suzuki Kizashi Insurance Quotes in Lexington

It’s shocking but most auto insurance buyers in Kentucky have been with the same company for four years or more, and nearly half have never taken the time to shop around. Many consumers in America could save almost $860 a year just by shopping around, but they underestimate the amount of savings they would get if they switched to a cheaper policy.

Insurance for Suzuki KizashiIf saving money is your primary concern, then the best way to find low-cost prices for Suzuki Kizashi insurance in Lexington is to compare prices once a year from different companies in Kentucky.

First, take a little time to learn about coverages and the things you can control to prevent high rates. Many risk factors that cause high rates like tickets, at-fault accidents, and a poor credit rating can be eliminated by making minor driving habit or lifestyle changes. Keep reading for information to get low prices and find overlooked discounts.

Second, compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from one company like Progressive and State Farm, while agents who are independent can provide rate quotes from multiple insurance companies.

Third, compare the new rates to your existing coverage and see if you can save money. If you can save money and make a switch, ensure coverage does not lapse between policies.

Fourth, provide written notification to your current company of your intent to cancel your current coverage. Submit payment and a completed application to your new insurance company. Be sure to place the new proof of insurance paperwork above your visor, in the console, or in the glove compartment.

The most important part of shopping around is to try to use identical limits and deductibles on each price quote and and to look at as many companies as feasibly possible. Doing this ensures a level playing field and the best price selection.

When comparing auto insurance rates, know that comparing all the rates in your area helps you find better pricing.

The companies shown below can provide quotes in Kentucky. To buy cheaper car insurance in Lexington, it’s a good idea that you visit several of them to get a more complete price comparison.

Suzuki Kizashi detailed coverage information

The premium information shown below outlines estimates of insurance prices for Suzuki Kizashi models. Having a good understanding how insurance prices are established can help customers make decisions when choosing a new policy provider.


Suzuki Kizashi Insurance Rates in Lexington, KY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $272 $498 $334 $20 $100 $1,224 $102
Kizashi S AWD $308 $498 $334 $20 $100 $1,260 $105
Kizashi SE $308 $498 $334 $20 $100 $1,260 $105
Kizashi GTS $308 $586 $334 $20 $100 $1,348 $112
Kizashi SE AWD $308 $586 $334 $20 $100 $1,348 $112
Kizashi GTS AWD $308 $586 $334 $20 $100 $1,348 $112
Kizashi SLS $308 $586 $334 $20 $100 $1,348 $112
Kizashi SLS AWD $342 $586 $334 $20 $100 $1,382 $115
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Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Estimates do not factor in specific garaging location which can increase or decrease coverage prices noticeably.

Physical damage deductible comparison

The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The premium rates below illustrate the rate differences when you buy lower versus higher physical damage deductibles. The first rate estimation uses a $250 physical damage coverage deductible and the second rate chart uses a $1,000 deductible.


Suzuki Kizashi insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $252 $426 $326 $20 $98 $1,147 $96
Kizashi S AWD $284 $426 $326 $20 $98 $1,179 $98
Kizashi SE $284 $426 $326 $20 $98 $1,179 $98
Kizashi GTS $284 $500 $326 $20 $98 $1,253 $104
Kizashi SE AWD $284 $500 $326 $20 $98 $1,253 $104
Kizashi GTS AWD $284 $500 $326 $20 $98 $1,253 $104
Kizashi SLS $284 $500 $326 $20 $98 $1,253 $104
Kizashi SLS AWD $318 $500 $326 $20 $98 $1,287 $107
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Suzuki Kizashi insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $156 $268 $326 $20 $98 $868 $72
Kizashi S AWD $176 $268 $326 $20 $98 $888 $74
Kizashi SE $176 $268 $326 $20 $98 $888 $74
Kizashi GTS $176 $316 $326 $20 $98 $936 $78
Kizashi SE AWD $176 $316 $326 $20 $98 $936 $78
Kizashi GTS AWD $176 $316 $326 $20 $98 $936 $78
Kizashi SLS $176 $316 $326 $20 $98 $936 $78
Kizashi SLS AWD $196 $316 $326 $20 $98 $956 $80
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Rate quotes do not factor in specific Lexington garaging location which can affect auto insurance rates greatly.

We can derive from the above data that using a $250 deductible will cost in the ballpark of $25 more each month or $300 annually averaged for all Kizashi models than quoting the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 30 months between claims, you would probably save some money if you choose the higher deductible. Below is how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $102
Average monthly premium for $1,000 deductibles (subtract): – $77
Monthly savings from raising deductible: $25
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 30 months

One important caveat is that a higher deductible means you will have to pay more of your own money at claim time. You need to make sure you have some savings in the bank in the event you need to pay more to get your vehicle repaired.

The example below shows how choosing a deductible and can impact Suzuki Kizashi insurance premiums for different categories of driver ages. Data assumes a married male driver, full physical damage coverage, and no discounts are taken into consideration.

Why you need vehicle insurance in Kentucky

Despite the fact that auto insurance is not cheap in Lexington, insuring your vehicle is required for several reasons.

The benefits of insuring your car more than offset the price you pay, specifically if you ever have a liability claim. In a recent study of 1,000 drivers, the average customer is overpaying more than $865 each year so compare rate quotes once a year at a minimum to ensure rates are inline.

Good Decisions Result in Lower Insurance Prices

Smart consumers have a good feel for the rating factors that help determine the price you pay for car insurance. When consumers understand what determines premiums, this allows you to make educated decisions that may reward you with lower rates. Lots of things are considered when you quote your car insurance policy. Most are fairly basic like an MVR report, but some are less obvious such as whether you are married or your vehicle rating.

The items below are some of the things utilized by car insurance companies to help set your rate level.

The best insurance company isn’t always the cheapest

As you shop your coverage around, you should never skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice liability coverage limits and discovered at claim time that it was a big mistake. The proper strategy is to purchase a proper amount of coverage at the best cost, but do not sacrifice coverage to save money.

Lower-priced insurance in Lexington can be purchased online and also from your neighborhood Lexington agents, and you should compare rates from both to get a complete price analysis. There are still a few companies who do not provide the ability to get a quote online and these regional carriers provide coverage only through independent insurance agencies.

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