2003 Suzuki Aerio Insurance Quotes

Are you tired of being strong-armed to pay your car insurance bill each month? Your situation is no different than many other drivers.

With so many car insurance companies to choose from, it is hard for the average consumer to locate the lowest price provider.

It’s a good habit to check car insurance prices quite often because prices are usually higher with each renewal. Just because you found the best price for Aerio insurance a year ago there may be better deals available now. Ignore everything you know about car insurance because we’re going to demonstrate how to use the internet to reduce your cost while improving coverage.

This information will familiarize you with the most effective way to quote insurance and some money-saving tips. If you currently have car insurance, you will be able to cut costs considerably using these tips. Although car owners should learn how the larger insurance companies sell online and use this information to your advantage.

The best way to compare rates is to know all the major auto insurance companies pay for the opportunity to give free rates quotes. The only thing you need to do is provide the companies a bit of rating information including if a SR-22 is needed, whether you have decent credit, marital status, and how much education you have. That information is instantly provided to insurance companies and they provide comparison quotes almost instantly.

The fine print in car insurance ads

Car insurance providers like Progressive, GEICO, Allstate and State Farm regularly use ads on television and other media. They all have a common claim that you can save if you move to them. How can each company make the same claim? This is how they do it.

Different companies can use profiling for the type of driver they prefer to insure. For example, a desirable insured might be between 30 and 50, has no driving citations, and drives less than 7,500 miles a year. A driver who fits that profile will qualify for the lowest rates and most likely will cut their rates substantially.

Potential customers who are not a match for these standards will be quoted more money and this can result in the driver buying from a lower-cost company. The ad wording is “people who switch” not “people who quote” save that kind of money. This is how companies can advertise the way they do.

This emphasizes why it is so important to get as many comparisons as possible. It’s impossible to know the company that will fit your personal profile best.

Lesser-known factors impacting Suzuki Aerio insurance rates

It’s important that you understand the factors that come into play when calculating the price you pay for car insurance. Knowing what controls the rates you pay helps enable you to make changes that will entitle you to better car insurance rates.

The list below includes some of the factors that factor into prices.

  • Do men or women drive better? – Statistics demonstrate that women are safer drivers than men. However, don’t assume that women are better drivers. Women and men are in accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get cited for more serious violations like reckless driving and DUI.
  • Increase deductibles and save – Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your Suzuki from damage. Some instances where coverage would apply are collision with another vehicle, damage caused by hail, and burglary. Deductibles for physical damage are the amount of money you are required to spend out-of-pocket before a claim is paid by your company. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance for Aerio insurance.
  • Better crash test results mean better rates – Cars with high safety ratings tend to have better insurance rates. These vehicles reduce injuries and better occupant protection translates into savings for insurance companies and thus lower rates. If your Suzuki Aerio has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Better credit scores mean better rates – Your credit score is a large factor in calculating your car insurance rates. Consumers who have excellent credit tend to be less risk to insure than drivers who have poor credit. If your credit score is low, you could pay less to insure your 2003 Suzuki Aerio by improving your rating.

Be sure to get all your discounts

Insurance can cost an arm and a leg, but there could be available discounts that can drop the cost substantially. A few discounts will automatically apply when you complete an application, but a few must be requested specifically prior to getting the savings.

  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount for Aerio insurance with certain companies.
  • Paperwork-free – Certain companies will discount your bill up to fifty bucks simply for signing online.
  • Good Student – Performing well in school can save 20 to 25%. The discount lasts until age 25.
  • Homeowners Savings – Simply owning a home may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save 10% or more off the personal injury premium cost.
  • Military Rewards – Having a deployed family member could mean lower rates.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Memberships – Affiliation with certain professional organizations could qualify you for a break on auto insurance for Aerio insurance.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. Most only reduce individual premiums such as comprehensive or collision. Just because you may think adding up those discounts means a free policy, it doesn’t quite work that way. But any discount will bring down the amount you have to pay.

Insurance companies that may offer these benefits may include but are not limited to:

Double check with all companies you are considering which discounts they offer. Savings might not apply in your area.

How do I know if I need professional advice?

When it comes to choosing coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that For example, these questions may help you determine if your insurance needs may require specific advice.

  • Are my tools covered if they get stolen from my vehicle?
  • Do I need to file an SR-22 for a DUI in my state?
  • Am I covered when using my vehicle for business?
  • What should my uninsured motorist coverage limits be in my state?
  • How can I get high-risk coverage after a DUI?
  • Should I sign the liability waiver when renting a car?
  • Does my 2003 Suzuki Aerio qualify for pleasure use?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

The coverage is in the details

Knowing the specifics of your insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages available from insurance companies.

Coverage for liability – This will cover damage that occurs to other people or property by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like pain and suffering, emergency aid, repair bills for other people’s vehicles, attorney fees and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like X-ray expenses, hospital visits and chiropractic care. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Suzuki Aerio.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverage – Collision coverage will pay to fix damage to your Aerio from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like hitting a parking meter, sustaining damage from a pot hole, hitting a mailbox and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Comprehensive auto coverage – Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a deer, rock chips in glass, hitting a bird, damage from getting keyed and damage from flooding. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Power to the consumer

You just read quite a bit of information on how to reduce 2003 Suzuki Aerio insurance prices online. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your rates. You may even find the most savings is with a lesser-known regional company. Smaller companies may only write in your state and offer lower rates as compared to the big name companies such as Progressive and GEICO.

Affordable insurance can be purchased on the web and with local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some companies do not offer online quoting and most of the time these regional insurance providers sell through independent agents.

Additional insurance coverage information can be found below: