We don't have to point out that fact that insurance companies don't want you to compare rates. Insureds who rate shop once a year will most likely switch to a new company because there is a good probability of finding a more affordable policy. A recent survey found that drivers who routinely shopped for cheaper coverage saved approximately $3,400 over four years compared to other drivers who never shopped around.
If saving the most money on Suzuki Kizashi insurance is your target objective, then having a good understanding the best ways to shop for auto insurance can help you succeed in saving money.
The best way we recommend to find low-cost prices for Suzuki Kizashi insurance in Santa Ana is to do a yearly price comparison from insurers in California. This can be done by following these steps.
- Step 1: It will benefit you to learn about how insurance works and the factors you can control to prevent high rates. Many risk factors that increase rates such as accidents, traffic violations, and a bad credit score can be remedied by improving your driving habits or financial responsibility. Continue reading for information to help reduce premium rates and find additional discounts you may qualify for.
- Step 2: Quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO and Allstate, while agents who are independent can quote rates from multiple sources.
- Step 3: Compare the new rate quotes to your existing coverage and determine if cheaper Kizashi coverage is available in Santa Ana. If you find a lower rate and switch companies, ensure coverage does not lapse between policies.
- Step 4: Notify your current company to cancel your current policy and submit the application along with any required down payment to your new carrier. Don't forget to put the proof of insurance paperwork with the vehicle registration.
The critical component of shopping around is to make sure you enter similar deductibles and liability limits on each quote request and and to get quotes from as many carriers as you can. This guarantees the most accurate price comparison and a complete price analysis.
The quickest method we recommend to compare rate quotes for Suzuki Kizashi insurance in Santa Ana is to know the trick most insurance companies provide online access to provide you with free rate quotes. To start a quote, the only thing you need to do is provide a little information such as whether or not you need a SR-22, how old drivers are, your general credit rating, and deductibles desired. That rating information gets transmitted to multiple companies and they return quotes very quickly.
To start a rate quote now, click here and complete the form.
The providers in the list below are our best choices to provide free quotes in California. If the list has multiple companies, we suggest you visit several of them to get the best price comparison.
Coverage analysis
The information shown next outlines estimates of insurance costs for Suzuki Kizashi models. Having a good understanding how rates are established is important for making smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Kizashi S | $238 | $454 | $500 | $30 | $150 | $1,372 | $114 |
| Kizashi S AWD | $270 | $454 | $500 | $30 | $150 | $1,404 | $117 |
| Kizashi SE | $270 | $454 | $500 | $30 | $150 | $1,404 | $117 |
| Kizashi GTS | $270 | $536 | $500 | $30 | $150 | $1,486 | $124 |
| Kizashi SE AWD | $270 | $536 | $500 | $30 | $150 | $1,486 | $124 |
| Kizashi GTS AWD | $270 | $536 | $500 | $30 | $150 | $1,486 | $124 |
| Kizashi SLS | $270 | $536 | $500 | $30 | $150 | $1,486 | $124 |
| Kizashi SLS AWD | $300 | $536 | $500 | $30 | $150 | $1,516 | $126 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Price information does not factor in vehicle garaging location which can increase or decrease auto insurance rates considerably.
Policy deductible comparison
The hardest decision when buying coverage is where to set your physical damage deductibles. The tables below summarize how much more rates are when you buy lower versus higher comp and collision deductibles. The first rate comparisons uses a $100 physical damage coverage deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Kizashi S | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Kizashi S AWD | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| Kizashi SE | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| Kizashi GTS | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Kizashi SE AWD | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Kizashi GTS AWD | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Kizashi SLS | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Kizashi SLS AWD | $478 | $810 | $442 | $26 | $132 | $1,913 | $159 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Kizashi S | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Kizashi S AWD | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| Kizashi SE | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| Kizashi GTS | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Kizashi SE AWD | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Kizashi GTS AWD | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Kizashi SLS | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Kizashi SLS AWD | $348 | $546 | $442 | $26 | $132 | $1,494 | $125 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rate quotes do not factor in vehicle garaging location which can change rates substantially.
Based on this data, we can arrive at the conclusion that using a $100 deductible costs roughly $32 more each month or $384 each year than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 13 months between claim filings, you would save money if you opt for a higher deductible.
How to determine when to raise deductibles
| Average monthly premium for $100 deductibles: | $151 |
| Average monthly premium for $500 deductibles (subtract): | - $119 |
| Monthly savings from raising deductible: | $32 |
| Difference between deductibles ($500 - $100): | $400 |
| Divide difference by monthly savings: | $400 / $32 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 13 months |
How careless driving impacts auto insurance rates
The chart below illustrates how speeding tickets and at-fault claims can impact Suzuki Kizashi car insurance rates for each different age group. The costs are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.
Full coverage rates vs. liability-only in Santa Ana
The diagram below compares Suzuki Kizashi insurance rates with and without physical damage coverage. The data assumes no claims, a clean driving record, $1,000 deductibles, single status, and no other discounts are factored in.
Are you wasting money on full coverage?
There is no clear-cut rule of when to drop physical damage coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is about 10% or more of replacement cost minus your deductible, then you may want to consider only buying liability coverage.
For example, let's say your Suzuki Kizashi replacement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $5,000 after the policy deductible has been paid. If you are paying more than $500 a year for physical damage coverage, then you may want to consider only buying liability coverage.
There are some cases where removing full coverage is not a good idea. If you haven't satisfied your loan, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not buy liability only.
Get affordable Suzuki Kizashi insurance in Santa Ana with discounts
Insurance can cost an arm and a leg, but you might already qualify for some discounts that could help you make your next renewal payment. Some of these discounts will be visible at the time of purchase, but some must be specifically requested before they will apply.
- Auto/Home Discount - When you combine your auto and home insurance with the same company you could get a discount of approximately 10% to 15%.
- Defensive Driver Discount - Successfully completing a driver safety class could possibly earn you a 5% discount and make you a better driver.
- Homeowners Savings - Just owning your own home can save you money because of the fact that having a home is proof of financial responsibility.
- Multi-Vehicle Discounts - Purchasing coverage when you have multiple cars on the same auto insurance policy may reduce the rate for each vehicle.
- E-sign Discounts - Certain companies will discount your bill up to fifty bucks for buying a policy and signing up online.
- Professional Organizations - Having an affiliation with a professional or civic organization may earn a discount on your next auto insurance statement.
- Air Bags and Passive Restraints - Factory air bags and/or automatic seat belt systems can get savings of up to 25% or more.
We need to note that most discount credits are not given to the overall cost of the policy. Most only cut individual premiums such as medical payments or collision. So when the math indicates you could get a free auto insurance policy, companies don't profit that way.
The example below visualizes the comparison of Suzuki Kizashi auto insurance costs with and without discounts applied to the premium. The data is based on a female driver, no claims, a clean driving record, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, safe-driver, multi-car, multi-policy, and marriage discounts applied.
Popular auto insurance companies and some of the discounts are outlined below.
- GEICO discounts include anti-theft, five-year accident-free, multi-vehicle, good student, anti-lock brakes, seat belt use, and daytime running lights.
- Auto-Owners Insurance may offer discounts for safe vehicle, company car, mature driver, multi-policy, paperless, safe driver, and air bags.
- American Family policyholders can earn discounts including good student, early bird, mySafetyValet, air bags, and multi-vehicle.
- Esurance includes discounts for online quote, renters, DriveSense, safety device, homeowner, and Pac-12 alumni.
- Progressive may include discounts for good student, online signing, continuous coverage, online quote discount, multi-policy, multi-vehicle, and homeowner.
- State Farm has discounts for multiple policy, safe vehicle, accident-free, anti-theft, and good driver.
- AAA offers discounts including anti-theft, education and occupation, multi-car, AAA membership discount, good student, and multi-policy.
When getting free Santa Ana auto insurance quotes, it's a good idea to each company which discounts they offer. A few discounts may not be available everywhere. To see a list of insurance companies with discount rates in California, click here.
Auto insurance is an important decision
Even though it's not necessarily cheap to insure a Suzuki in Santa Ana, paying for auto insurance may be required and benefits you in several ways.
- Just about all states have mandatory liability insurance requirements which means the state requires a specific level of liability protection in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you bought your vehicle with a loan, it's most likely the lender will make it mandatory that you buy insurance to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the bank may insure your Suzuki at a more expensive rate and require you to reimburse them much more than you were paying before.
- Auto insurance protects your car and your assets. It will also cover medical bills incurred in an accident. Liability insurance also covers legal expenses if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, your auto insurance policy will pay to restore your vehicle to like-new condition.
The benefits of buying auto insurance outweigh the cost, especially with large liability claims. On average, a vehicle owner in Santa Ana overpays as much as $750 every year so smart consumers compare quotes at every policy renewal to ensure rates are inline.
Santa Ana auto insurance company ratings
Picking a high-quality auto insurance company can be difficult considering how many different companies sell coverage in California. The ranking information below may help you select which providers you want to consider comparing rate quotes with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
You may need advice from a local insurance agent
Many people just prefer to have an agent's advice and that is OK! Insurance agents are trained risk managers and help in the event of a claim. One of the best bonuses of comparing insurance prices online is you may find the best rates but also keep your business local. Buying from and supporting local insurance agencies is important particularly in Santa Ana.
By using this short form, your insurance coverage information is instantly submitted to participating agents in Santa Ana that give free quotes to get your business. It simplifies rate comparisons since you won't have to find an agent on your own because quoted prices will be sent instantly to you. If you need to quote rates from a specific insurance company, you can always find their quoting web page to submit a rate quote request.
Types of auto insurance agents in Santa Ana
When searching for a reliable insurance agent, you need to know there are two different types of agencies to choose from. Agents in Santa Ana are either independent agents or exclusive agents depending on their employer. Either can do a good job, but we need to point out the difference in how they write coverage because it can impact which type of agent you select.
Independent Insurance Agencies
These agents are not locked into one company so they can quote policies with many different companies and find the cheapest rate. If premiums increase, they simply switch companies in-house which is easy for the insured.
When comparing insurance rates, you will want to get quotes from at least one independent agent for the best price selection. Most also write with smaller regional carriers who may have lower rates.
Below is a list of independent agents in Santa Ana who may provide price quotes.
- CRC Insurance Services Inc
1551 N Tustin Ave # 450 - Santa Ana, CA 92705 - (714) 689-0101 - View Map - Premier One Insurance Services
2755 N Grand Ave - Santa Ana, CA 92705 - (714) 288-6060 - View Map - California Insurance Specialists
400 N Tustin Ave # 425 - Santa Ana, CA 92705 - (714) 558-8041 - View Map
Exclusive Insurance Agents
Exclusive insurance agents generally can only insure with one company like State Farm, Allstate and AAA. Exclusive agencies are unable to provide prices from multiple companies so they really need to provide good service. Exclusive insurance agents receive a lot of sales training in insurance sales which helps them compete with independent agents. Many people use the same agent mainly due to high brand loyalty and strong financial ratings.
Shown below are exclusive agents in Santa Ana who can help you get price quote information.
- Eddie Quillares Jr - State Farm Insurance Agent
415 N Broadway - Santa Ana, CA 92701 - (714) 617-7150 - View Map - Farmers Insurance - Juan Chavez
207 N Main St - Santa Ana, CA 92701 - (714) 202-0092 - View Map - Farmers Insurance - Rosa Evaristo
2901 W Warner Ave - Santa Ana, CA 92704 - (714) 966-1461 - View Map
Picking the best auto insurance agent needs to be determined by more than just the premium amount. Here are some questions to ask:
- Does their agency support local causes in Santa Ana?
- Where are claims handled?
- What is the agency's Better Business Bureau rating?
- Will the quote change when the policy is issued?
- How many companies do they write for?