A recent NerdWallet.com study revealed that most insurance buyers have remained with the same insurance company for four years or more, and nearly 40% of drivers have never quoted rates to find cheaper coverage. Texas consumers can save as much as $1,770 each year, but they just assume it takes a lot of time to do a rate comparison.
If saving the most money is your goal, then the best way to save on Suzuki Kizashi insurance in Lubbock is to make a habit of regularly comparing prices from providers who provide car insurance in Texas.
First, get an understanding of policy coverages and the steps you can take to prevent rate increases. Many rating criteria that result in higher rates like at-fault accidents, speeding tickets, and a negative credit rating can be improved by making minor changes to your lifestyle.
Second, request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like Progressive or State Farm, while independent agents can quote rates from multiple companies.
Third, compare the quotes to the premium of your current policy and determine if cheaper Kizashi coverage is available in Lubbock. If you find a lower rate quote and decide to switch, make sure there is no lapse in coverage.
Fourth, tell your current company to cancel your current auto insurance policy and submit a completed policy application and payment for your new coverage. Make sure you put the certificate verifying coverage with the vehicle registration.
A valuable tip to remember is that you’ll want to compare the same level of coverage on every quote and to quote with all possible companies. Doing this guarantees an accurate price comparison and a thorough price selection.
If you already have coverage, you will most likely be able to save money using these techniques. Quoting and comparing cheaper insurance policy in Lubbock is actually quite simple. Nevertheless, Texas consumers need to learn the way companies calculate your policy premium because rates fluctuate considerably.
Companies offering cheap Suzuki Kizashi prices in Lubbock, TX
The providers in the list below can provide quotes in Lubbock, TX. To get cheap car insurance in Lubbock, TX, we suggest you visit as many as you can in order to find the most competitive rates.
Suzuki Kizashi insurance charts and tables
The premium table displayed next outlines detailed analysis of insurance rates for Suzuki Kizashi models. Having a good understanding how insurance rates are established can aid in making smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Kizashi S | $182 | $312 | $382 | $22 | $114 | $1,012 | $84 |
| Kizashi S AWD | $206 | $312 | $382 | $22 | $114 | $1,036 | $86 |
| Kizashi SE | $206 | $312 | $382 | $22 | $114 | $1,036 | $86 |
| Kizashi GTS | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Kizashi SE AWD | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Kizashi GTS AWD | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Kizashi SLS | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Kizashi SLS AWD | $228 | $368 | $382 | $22 | $114 | $1,114 | $93 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Rate quotes do not factor in your specific Lubbock location which can affect premium rates greatly.
An analysis of deductible level
The hardest decision when buying coverage is how high should the deductibles for physical damage be. The following tables can help show the rate differences when you choose different deductibles. The first set of prices 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 | $328 | $592 | $382 | $22 | $114 | $1,463 | $122 |
| Kizashi S AWD | $370 | $592 | $382 | $22 | $114 | $1,505 | $125 |
| Kizashi SE | $370 | $592 | $382 | $22 | $114 | $1,505 | $125 |
| Kizashi GTS | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Kizashi SE AWD | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Kizashi GTS AWD | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Kizashi SLS | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Kizashi SLS AWD | $412 | $698 | $382 | $22 | $114 | $1,653 | $138 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Kizashi S | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Kizashi S AWD | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Kizashi SE | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Kizashi GTS | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Kizashi SE AWD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Kizashi GTS AWD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Kizashi SLS | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Kizashi SLS AWD | $300 | $472 | $382 | $22 | $114 | $1,290 | $108 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Price estimates do not factor in garaging location in Lubbock which can alter prices substantially.
Based on the figures above, using a $100 deductible would cost the average driver about $28 more each month or $336 annually across all Suzuki Kizashi models than quoting the higher $500 deductible. Because you would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you average more than 14 months between claims, you would probably save some money if you choose the higher deductible.
The illustration below shows how different deductible levels and can raise or lower Suzuki Kizashi insurance costs for different age groups. The premiums are based on a married male driver, full physical damage coverage, and no policy discounts are applied.
Suzuki Kizashi insurance rates by age and gender
The example below shows the comparison of Suzuki Kizashi auto insurance rates for male and female drivers. The data is based on no tickets, no at-fault accidents, full coverage, $250 deductibles, single marital status, and no discounts are applied to the premium.
Full coverage rates compared to liability-only
The example below shows the comparison of Suzuki Kizashi insurance rates with liability coverage only compared to full coverage. Data assumes no violations or accidents, $500 deductibles, single marital status, and no discounts are applied.
When to drop comprehensive and collision
There is no exact rule of when to drop comp and collision coverage, but there is a general convention. If the yearly cost for physical damage coverage is more than around 10% of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your Suzuki Kizashi replacement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $2,000 after paying your policy deductible. If it’s costing you more than $200 annually for full coverage, then you might consider buying liability only.
There are some scenarios where dropping physical damage coverage is not in your best interest. If you still owe money on your vehicle, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage.
Slash rates with these discounts on Suzuki Kizashi insurance in Lubbock
Some providers do not list all available discounts in a way that’s easy to find, so the following is a list of both the well known and the more hidden credits available to lower your premiums when you buy Lubbock car insurance online. If you check and find you aren’t receiving every discount possible, you are not getting the best rate possible.
- Student in College – College-age children who live away from home to go to college and do not have a car could get you a discount.
- Multi-car Discount – Buying a policy with all your vehicles on the same insurance policy can reduce the rates for all insured vehicles.
- Claim Free – Claim-free drivers can save substantially when compared to drivers with a long claim history.
- Discounts for Good Drivers – Drivers who don’t get into accidents can save as much as half off their rates than drivers with accident claims.
- Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to use a seat belt can save up to 15% on medical payment and PIP coverage.
- Driver Training Discounts – Taking time to complete a driver safety course may get you a small discount and make you a better driver.
Don’t be shocked that many deductions do not apply to the entire cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.
The chart below illustrates the difference between Suzuki Kizashi car insurance rates with and without discounts applied to the policy premium. The rates are based on a male driver, a clean driving record, no claims, Texas state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, marriage, safe-driver, homeowner, and multi-car discounts applied.
A few of the larger companies and their offered discounts are shown below.
- Progressive has savings for good student, homeowner, online quote discount, online signing, continuous coverage, and multi-vehicle.
- The Hartford may include discounts for anti-theft, defensive driver, air bag, good student, bundle, and driver training.
- Mercury Insurance offers discounts for good student, professional/association, age of vehicle, location of vehicle, and annual mileage.
- GEICO may have discounts that include emergency military deployment, driver training, anti-lock brakes, good student, and multi-vehicle.
- AAA includes discounts for pay-in-full, education and occupation, anti-theft, good driver, multi-policy, AAA membership discount, and multi-car.
- State Farm discounts include Steer Clear safe driver discount, multiple policy, multiple autos, Drive Safe & Save, student away at school, safe vehicle, and anti-theft.
If you need affordable Suzuki Kizashi insurance quotes, ask all companies you are considering the best way to save money. Depending on the company, some discounts might not apply in Lubbock. For a list of insurers that offer multiple discounts in Lubbock, click here to view.
Which is the best car insurance?
Always keep in mind that when comparing proper insurance coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different.
These are some specific questions may help you determine whether your personal situation might need professional guidance.
- Which companies are cheaper for teen drivers?
- Does low annual mileage earn a discount?
- What does medical payments cover?
- Does my medical payments coverage pay my health insurance deductible?
- Does having multiple vehicles earn me a discount?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Is a blown tire covered by insurance?
- Is coverage enough to protect my assets?
- Does medical payments coverage apply to all occupants?
- What policy terms are available?
If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form.
Auto insurance agents are trained to help
Many drivers just prefer to sit down with an agent and doing so can bring peace of mind The biggest benefit of comparing rates online is you can get cheap auto insurance rates and still buy from a local agent. Buying insurance from neighborhood insurance agencies is important especially in Lubbock.
To help locate an agent, after submitting this quick form, your insurance data is sent to agents in your area that can give you free Lubbock car insurance quotes to get your business. There is no reason to contact any insurance agencies since price quotes are sent to you directly. Get lower rates and a licensed agent to talk to. If you need to get a comparison quote from a specific insurance company, you just need to visit that company’s website and complete a quote there.
Pick the best auto insurance agent in Lubbock for you
If you are wanting to purchase auto insurance from a reliable agent, it’s important to understand the types of insurance agents and how they can quote your rates. Agents are either independent or exclusive depending on the company they work for.
Independent Agencies or Brokers
These type of agents often have many company appointments so as a result can place your coverage amongst many companies and potentially find a lower price. To transfer your coverage to a different company, the business is moved internally which requires no work on your part.
If you are comparing auto insurance prices, you absolutely need to include a few independent agents in order to have the best price comparison. They also have the ability to place coverage with lesser-known insurance companies who may have lower rates.
Featured below are independent insurance agents in Lubbock that may be able to give free auto insurance rate quotes.
- Ince Insurance Inc
7005 Salem Park Dr – Lubbock, TX 79424 – (806) 797-4131 – View Map - Beadle Insurance Agency
8008 Slide Rd #22 – Lubbock, TX 79424 – (806) 798-7900 – View Map - David Tate Insurance Agency LLP
5233 79th St – Lubbock, TX 79424 – (806) 794-1177 – View Map
Exclusive Insurance Agents
Agents of this type can only provide pricing for a single company and examples are AAA, Allstate, State Farm, or Farmers Insurance. They usually cannot provide prices from multiple companies so keep that in mind. Exclusive insurance agents are well trained on what they offer which helps them sell insurance even at higher premiums. Consumers sometimes use the same agent mainly due to the brand rather than low price.
The following is a short list of exclusive agencies in Lubbock willing to provide price quote information.
- Kevin Watson – State Farm Insurance Agent
13033 Quaker Ave SUITE B – Lubbock, TX 79423 – (806) 797-3329 – View Map - Farmers Insurance – Jules Minne
10210 Frankford Ave Ste 220 – Lubbock, TX 79424 – (806) 783-9519 – View Map - Ana Borrego – State Farm Insurance Agent
8001 Quaker Ave STE G – Lubbock, TX 79424 – (806) 745-2555 – View Map
Picking an car insurance agent shouldn’t rely on just the quoted price. Get answers to these questions too.
- Is there any savings for paying the full premium?
- How often do they review coverages?
- What insurance company do they write the most business with?
- Does the company use OEM repair parts?
- Are they able to influence company decisions when a claim is filed?
- Do they have 24-hour customer assistance?
- Does the company allow you to choose your own collision repair facility?
- How much can you save by raising your physical damage deductibles?
Affordable car insurance premiums are out there
People leave their current company for a variety of reasons including high prices, policy cancellation, lack of trust in their agent and questionable increases in premium. It doesn’t matter why you want to switch choosing a new insurance company is not as difficult as it may seem.
When shopping online for car insurance, it’s very important that you do not buy poor coverage just to save money. There are many occasions where someone dropped uninsured motorist or liability limits and learned later they didn’t purchase enough coverage. The aim is to buy a smart amount of coverage at an affordable rate while still protecting your assets.
Some insurance companies may not provide the ability to get quotes online and most of the time these smaller companies only sell coverage through independent agencies. Budget-conscious Suzuki Kizashi insurance can be bought from both online companies as well as from independent agents in Lubbock, and you should be comparing both so you have a total pricing picture.
Additional information is located on the following sites:
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- How Much are Car Insurance Rates for a 20 Year Old Female in Lubbock? (FAQ)
- Who Has the Cheapest Lubbock Car Insurance Quotes for Veterans? (FAQ)
- Who Has the Cheapest Auto Insurance for a 20 Year Old Male in Lubbock? (FAQ)
- Who Has Affordable Lubbock Car Insurance Quotes for a Company Car? (FAQ)
- Who Has Cheap Auto Insurance for Teachers in Lubbock? (FAQ)
- Who Has Affordable Lubbock Car Insurance for 19 Year Olds? (FAQ)
- Who Has Affordable Auto Insurance for Felons in Lubbock? (FAQ)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- State Laws for Cellphones and Texting (iihs.org)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- Shopping for a Safe Car (Insurance Information Institute)