Cheap 2006 Suzuki Aerio Insurance Cost

Trying to find lower insurance rates for your Suzuki Aerio? Are you intimidated by the dozens of insurance companies? You have a lot of company. Drivers have so many options that it can quickly become a big hassle to find the best price.

It is always a good idea to shop coverage around every six months because rates go up and down regularly. If you had the best price for Aerio insurance last year the chances are good that you can find a lower rate today. Forget all the misinformation about insurance because we’re going to demonstrate how to use the internet to properly buy coverages while reducing your premium.

Why your Suzuki Aerio insurance rates may be high

Consumers need to have an understanding of some of the elements that come into play when calculating the rates you pay for auto insurance. Having a good understanding of what controls the rates you pay enables informed choices that could result in lower auto insurance prices.

The list below includes a partial list of the pieces auto insurance companies consider when setting premiums.

  • Marriage brings a discount – Getting married helps lower the price on auto insurance. It means you’re more mature and responsible and it’s statistically proven that married couples file fewer claims.
  • Liability coverage is peace of mind – The liability section of your policy is the protection if a court rules you are at fault for damages from an accident. It will provide you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Bump up deductibles to save – Deductibles for physical damage define the amount you are willing to pay out-of-pocket before your auto insurance pays a claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. A few examples of covered claims could be running into the backend of another car, damage from fire, and burglary. The more expense you have to pay, the bigger discount you will receive for Aerio insurance.
  • Car features impact rates – Purchasing a vehicle with an alarm system can get you a discount on your auto insurance. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.
  • Males pay more for insurance – Statistics have proven women are more cautious behind the wheel. However, this does not mean men are WORSE drivers than women. Men and women have accidents in similar percentages, but men have costlier accidents. Men also get cited for more serious violations such as DWI and reckless driving. Youthful male drivers are most likely to cause an accident and thus pay the highest rates.
  • Pleasure use or commuting – The more you drive each year the higher your rates will be. The majority of insurers charge to insure your cars determined by how the vehicle is used. Cars not used for work or commuting get more affordable rates than those used for commuting. Improper usage on your Aerio may be costing you. Ask your agent if your auto insurance policy is rated on the correct driver usage.
  • Do you need the policy add-ons? – There are many extra bells and whistles that you can get tricked into buying when buying auto insurance. Coverages for roadside assistance, accidental death and additional equipment coverage may be wasting your money. They may seem like a good idea at first, but now you might not need them so eliminate them to save money.
  • One company can mean more discounts – Many auto insurance companies provide better rates to policyholders who consolidate policies with them. It’s known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. Even if you’re getting this discount it’s still a good idea to compare other company rates to confirm you are receiving the best rates possible.

Lots of discounts mean lots of savings

Companies that sell car insurance don’t always advertise every available discount very clearly, so we researched some of the more common as well as the least known ways to save on insurance.

  • No Accidents – Claim-free drivers can save substantially as compared to frequent claim filers.
  • No Charge for an Accident – A handful of insurance companies permit an accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
  • Good Students Pay Less – Performing well in school can save 20 to 25%. Earning this discount can benefit you up to age 25.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
  • Federal Government Employee – Employees or retirees of the government could cut as much as 10% off for Aerio insurance with a few insurance companies.
  • Distant Student – Youth drivers living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Early Switch Discount – Some companies give discounts for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Suzuki could qualify for lower rates on the low mileage vehicles.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you could get a free insurance policy, it just doesn’t work that way.

To see a list of providers who offer insurance discounts, click here to view.

Situations that might require an agent

When buying coverage, there is no perfect coverage plan. Every insured’s situation is different.

For instance, these questions can aid in determining if your situation might need an agent’s assistance.

  • Am I covered when driving a rental car?
  • Do I pay less for low miles?
  • What is covered by UM/UIM coverage?
  • What is PIP insurance?
  • Should I have a commercial auto policy?
  • What discounts do I qualify for?

If you can’t answer these questions, you might consider talking to an agent. To find lower rates from a local agent, complete this form.

Insurance coverages explained

Learning about specific coverages of your insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hitting a deer, a broken windshield, vandalism and fire damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense coverage

Med pay and PIP coverage provide coverage for immediate expenses like dental work, pain medications and doctor visits. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover you and your occupants as well as if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Uninsured or underinsured coverage

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Suzuki Aerio.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Coverage for liability

Liability coverage will cover damages or injuries you inflict on other people or property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as structural damage, repair costs for stationary objects and bail bonds. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage

This coverage covers damage to your Aerio resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like colliding with a tree, damaging your car on a curb, crashing into a building and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Make a quick buck

Budget-conscious 2006 Suzuki Aerio insurance is attainable on the web and also from your neighborhood agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers may not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

As you prepare to switch companies, it’s not a good idea to sacrifice coverage to reduce premiums. Too many times, an insured cut collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The ultimate goal is to purchase a proper amount of coverage at a price you can afford.

Drivers who switch companies do it for a number of reasons such as policy cancellation, an unsatisfactory settlement offer, unfair underwriting practices or lack of trust in their agent. It doesn’t matter why you want to switch switching auto insurance companies can be pretty painless.

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