Best Ways to Save on Miami Suzuki Kizashi Insurance

Discount Suzuki Kizashi insuranceHow many times have you told yourself to find more competitive auto insurance rates in Miami, FL? Miami shoppers have a choice when shopping for the lowest priced Suzuki Kizashi insurance. You can either spend your time struggling with agents to compare prices or use the internet to compare rates.

There is a better way to shop for auto insurance and we’ll show you the best way to compare rates on a Suzuki and find the lowest possible price from Miami insurance agents and online providers.

It goes without saying that auto insurance companies don’t want policyholders to compare prices from other companies. People who shop around for the cheapest rate will probably move their business because of the high probability of finding a lower-cost company. A recent survey found that consumers who shopped around every year saved as much as $865 annually as compared to drivers who never shopped around for lower prices.

If finding budget-friendly rates on Suzuki Kizashi insurance is your intention, then having some knowledge of how to quote prices and compare insurance rates can make it easier for you to save money.

If you already have coverage or just want to reduce your rates, you can use these techniques to cut your premiums and still get good coverage. Our goal is to introduce you to the most effective ways to compare rates and also pocket some savings You just have to understand the quickest way to find the lowest price from many different companies.

Rates and detailed analysis

The premium information displayed next outlines estimates of insurance rates for Suzuki Kizashi models. Learning more about how insurance premiums are determined is important for making informed decisions when shopping around for a new policy.

Suzuki Kizashi Insurance Rates in Miami, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $196 $392 $504 $30 $152 $1,274 $106
Kizashi S AWD $220 $392 $504 $30 $152 $1,298 $108
Kizashi SE $220 $392 $504 $30 $152 $1,298 $108
Kizashi GTS $220 $462 $504 $30 $152 $1,368 $114
Kizashi SE AWD $220 $462 $504 $30 $152 $1,368 $114
Kizashi GTS AWD $220 $462 $504 $30 $152 $1,368 $114
Kizashi SLS $220 $462 $504 $30 $152 $1,368 $114
Kizashi SLS AWD $246 $462 $504 $30 $152 $1,394 $116
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Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Prices do not factor in specific location information which can increase or decrease auto insurance rates considerably.

Rate comparison for different deductibles

When shopping for car insurance, a common question is the level to set your comp and collision deductibles. The tables below may help to illustrate the rate fluctuation when you choose different physical damage coverage deductibles. The first table uses a $250 physical damage deductible and the second set of prices uses a $1,000 deductible.

Suzuki Kizashi insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $322 $544 $418 $24 $124 $1,457 $121
Kizashi S AWD $364 $544 $418 $24 $124 $1,499 $125
Kizashi SE $364 $544 $418 $24 $124 $1,499 $125
Kizashi GTS $364 $640 $418 $24 $124 $1,595 $133
Kizashi SE AWD $364 $640 $418 $24 $124 $1,595 $133
Kizashi GTS AWD $364 $640 $418 $24 $124 $1,595 $133
Kizashi SLS $364 $640 $418 $24 $124 $1,595 $133
Kizashi SLS AWD $406 $640 $418 $24 $124 $1,637 $136
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Suzuki Kizashi insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Kizashi S $200 $342 $418 $24 $124 $1,108 $92
Kizashi S AWD $224 $342 $418 $24 $124 $1,132 $94
Kizashi SE $224 $342 $418 $24 $124 $1,132 $94
Kizashi GTS $224 $402 $418 $24 $124 $1,192 $99
Kizashi SE AWD $224 $402 $418 $24 $124 $1,192 $99
Kizashi GTS AWD $224 $402 $418 $24 $124 $1,192 $99
Kizashi SLS $224 $402 $418 $24 $124 $1,192 $99
Kizashi SLS AWD $250 $402 $418 $24 $124 $1,218 $102
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rate information does not factor in specific location information which can influence auto insurance rates significantly.

Based on these figures, using a $250 deductible will cost you approximately $33 more each month or $396 annually across all Suzuki Kizashi models than quoting the higher $1,000 deductible. Because you would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 23 months between claim filings, you would probably be better off by going with a higher deductible.

The chart below shows how different deductible levels and can change Suzuki Kizashi insurance rates for different categories of driver ages. Data assumes a married male driver, full coverage, and no policy discounts are applied.

Car insurance rates based on gender

The information below shows the difference between Suzuki Kizashi auto insurance costs for male and female drivers. The rates are based on no tickets, no at-fault accidents, full coverage, $1,000 deductibles, single marital status, and no policy discounts are applied.

Auto insurance policy discounts you can’t miss

The cost of insuring your cars can be expensive, but there could be available discounts that could drop your premiums quite a bit. Many of these discounts will be applied automatically at quote time, but some must be requested specifically before they will apply.Cheaper auto insurance with discounts

Just know that most credits do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

The example below compares Suzuki Kizashi insurance rates with and without discounts applied. Data assumes a female driver, no accidents or driving violations, Florida state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, multi-car, multi-policy, and claim-free discounts applied.

The best auto insurance companies and their offered discounts can be found below.

Before you buy a policy, ask every company to apply every possible discount. All car insurance discounts might not apply in Miami. To choose providers that offer multiple discounts in Miami, follow this link.

Coverages available on your insurance policy

Learning about specific coverages of a insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Medical expense coverage

Med pay and PIP coverage reimburse you for bills such as surgery, dental work, X-ray expenses and rehabilitation expenses. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits (which is 10/20/10), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages do not exceed the liability coverage limits.

Auto collision coverage

This will pay to fix damage to your Kizashi resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as hitting a mailbox, crashing into a building, backing into a parked car and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to raise the deductible on your Kizashi to bring the cost down.


Liability coverage can cover damage that occurs to other’s property or people in an accident. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 10/20/10 that means you have a $10,000 limit per person for injuries, $20,000 for the entire accident, and a limit of $10,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims like legal defense fees, structural damage, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible. Florida requires drivers to carry at least 10/20/10 but you should consider buying more liability than the minimum.

The illustration below shows why the minimum limit may not be enough.

Comprehensive protection

This covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a deer, falling objects and vandalism. The maximum payout a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Smart consumers save more

As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice liability coverage limits only to regret they didn’t have enough coverage. The ultimate goal is to purchase plenty of coverage for the lowest cost, but don’t skip important coverages to save money.

Throughout this article, we presented some good ideas how you can get a better price on Suzuki Kizashi insurance in Miami. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. You may even find the lowest prices come from some of the lesser-known companies.

Some insurance providers don’t offer rate quotes online and usually these small insurance companies only sell through independent agents. Lower-priced insurance in Miami can be bought from both online companies as well as from insurance agents, and you need to comparison shop both to have the best chance of lowering rates.

Steps to saving money on Suzuki Kizashi insurance in Miami

If you want to find the absolute lowest rates, then the best way to save on car insurance rates in Miami is to start comparing prices regularly from companies who provide auto insurance in Florida. You can compare prices by following these steps.

Step 1: Spend some time learning about how auto insurance works and the modifications you can make to keep rates in check. Many rating criteria that result in higher prices like accidents, traffic tickets, and a less-than-favorable credit rating can be amended by making small lifestyle or driving habit changes.

Step 2: Quote rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like Progressive and State Farm, while agents who are independent can provide rate quotes for a wide range of insurance providers.

Step 3: Compare the quotes to your current policy to see if a cheaper rate is available in Miami. If you find a better price and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.

Step 4: Give proper notification to your current agent or company of your intention to cancel your current car insurance policy. Submit a completed policy application and payment for your new coverage. Once coverage is bound, keep your new certificate of insurance somewhere easily accessible.

One important bit of advice is to make sure you’re comparing the same coverage limits and deductibles on every quote request and and to get price quotes from as many auto insurance providers as possible. This ensures a fair rate comparison and plenty of rates choose from.

Much more information about insurance in Florida can be found at the links below