Shocking but true, most consumers have remained with the same car insurance company for a minimum of four years, and just under half have never compared quotes from other companies. Many consumers in Riverside could save almost $500 a year, but they don’t believe the big savings they would realize if they swap their current policy for a cheaper one.
If you want to save the most money, the best way to get more affordable car insurance rates is to compare prices regularly from companies who sell insurance in Riverside. Price quotes can be compared by completing these steps.
- Try to understand how your policy works and the things you can control to lower rates. Many factors that cause rate increases like tickets, at-fault accidents, and poor credit rating can be improved by making minor changes in your lifestyle.
- Request price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO and State Farm, while independent agencies can give you price quotes for a wide range of companies. View rates
- Compare the new rate quotes to the price on your current policy to determine if switching companies saves money. If you find a lower rate quote and make a switch, make sure coverage does not lapse between policies.
- Notify your agent or company of your decision to cancel your existing policy. Submit a down payment and signed policy application for your new policy. Once received, safely store the certificate verifying coverage somewhere easily accessible.
A crucial key to this process is to use similar limits and deductibles on each quote request and and to get rate quotes from as many companies as feasibly possible. This helps ensure a level playing field and plenty of rates choose from.
Riverside insurance discounts for a Suzuki Kizashi
Companies that sell car insurance don’t always publicize all their discounts in an easy-to-find place, so below is a list some of the more common as well as the least known credits that may apply to you.
- Cautious Driver Discount – Safe drivers could pay up to 40% less than less cautious drivers.
- Early Payment Discounts – If you pay your bill all at once as opposed to paying monthly you could save up to 5%.
- Waiver for an Accident – Not a discount per se, but certain companies will allow you to have one accident without getting socked with a rate hike if you are claim-free for a set time period.
- ABS and Traction Control Discounts – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
- Save with a New Car – Buying a new car instead of a used Kizashi can save up to 30% due to better safety requirements for new vehicles.
- Riverside Homeowners Discount – Owning your own home or condo can save you money because maintaining a house is proof of financial responsibility.
As a sidenote, most discounts do not apply to your bottom line cost. Most only cut specific coverage prices like comp or med pay. Just because you may think all the discounts add up to a free policy, it’s just not the way it works.
The information below compares Suzuki Kizashi annual premium costs with and without discounts applied. The data is based on a male driver, no claims or violations, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-policy, marriage, multi-car, and safe-driver discounts applied.
Car insurance companies that may offer quotes with these money-saving discounts include:
When getting a coverage quote, ask each company the best way to save money. Savings may not apply in every state. To view insurance companies with significant discounts in California, click this link.
It’s important to know that having more price comparisons will increase your chances of finding lower pricing.
The providers in the list below can provide quotes in Riverside, CA. If more than one company is shown, we suggest you visit several of them to get the most affordable price.
Statistics and details
The rate table shown below showcases a range of insurance rates for Suzuki Kizashi models. Having insight into how insurance prices are formulated can help you make 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 | |||||||
Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Estimates do not factor in the specific area where the vehicle is garaged which can alter auto insurance rates noticeably.
Physical damage deductibles
One of the hardest decisions when shopping for auto insurance is how high should the physical damage coverage deductibles be. The following tables illustrate the rate differences between high and low policy deductibles. The first rate quote example uses a $100 deductible for physical damage and the second data table uses a $1,000 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 | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Kizashi S AWD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Kizashi SE | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Kizashi GTS | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Kizashi SE AWD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Kizashi GTS AWD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Kizashi SLS | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Kizashi SLS AWD | $266 | $426 | $442 | $26 | $132 | $1,292 | $108 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Prices do not factor in vehicle location which can influence price quotes considerably.
Based on the above data, using a $100 deductible would cost the average driver about $48 more each month or $576 for a full year across all Suzuki Kizashi models than choosing the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you have more than 19 months between claims, you would save more money by selecting a higher deductible.
Difference between full coverage and liability only rates
The information below illustrates the difference between Suzuki Kizashi yearly insurance costs with full coverage compared to only the California minimum liability coverage. The data assumes a clean driving record, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are taken into consideration.
When to buy liability coverage only
There isn’t a written rule of when to phase out physical damage insurance, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than about 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your Suzuki Kizashi book value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $2,000 after you pay the deductible. If premiums are more than $200 annually for your policy with full coverage, then it’s probably a good time to buy liability coverage only.
There are some scenarios where dropping full coverage is not in your best interest. If you haven’t paid off your loan, you have to keep full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.
When should I have guidance from an insurance agent?
A small number of people still like to sit down with an agent and that can be a great decision An additional benefit of getting online price quotes is the fact that you can find cheaper auto insurance rates and still buy from a local agent. And supporting local insurance agents is definitely important in Riverside.
Once you complete this form (opens in new window), your insurance data is emailed to agents in your area who will return price quotes to get your business. You never need to drive around because prices are sent directly to your email. You can find lower rates and an insurance agent to talk to. If for some reason you want to get a price quote from a specific insurance company, feel free to go to their quote page and fill out the quote form the provide.
Pick the best auto insurance agent in Riverside for you
When narrowing the list to find a reliable insurance agency, there are a couple of different agency structures and how they differ in how they can insure your vehicles. Agencies in Riverside are considered either independent or exclusive.
Independent Car Insurance Agencies
These type of agents are not required to write business for one company and that gives them the ability to insure with multiple insurance companies and get the cheapest rates. To transfer your coverage to a different company, they simply move the coverage in-house which requires no work on your part. When searching for an agent, we recommend you get insurance quotes from at a minimum one independent agency for maximum quote selection. Most can insure with less well-known companies that can offer cheaper rates than bigger companies.
Below is a short list of independent insurance agencies in Riverside that can possibly get you rate quotes.
- Melendez Insurance Agency
3595 Van Buren Boulevard #201 – Riverside, CA 92503 – (951) 687-9152 – View Map - Rick Plata Insurance Agency
4204 Riverwalk Pkwy #200 – Riverside, CA 92505 – (951) 801-2032 – View Map - Jay Pogue Insurance- Riverside Ca
6200 Pegasus Dr #1 – Riverside, CA 92503 – (951) 785-8521 – View Map
Exclusive Car Insurance Agents
Agents that elect to be exclusive can only provide pricing for a single company like American Family, State Farm, and Allstate. Exclusive agents are unable to provide other company’s prices so they have no alternatives for high prices. They are usually well trained on their company’s products which helps them sell on service rather than price. Some consumers prefer to buy from the same agent for years mainly due to loyalty to the company and the convenience of having a single billing for all their coverages.
Listed below is a short list of exclusive agencies in Riverside that can give you price quotes.
- Allstate Insurance: Rose Smith
4270 Riverwalk Pkwy #110 – Riverside, CA 92505 – (951) 549-3900 – View Map - Farmers Insurance – Adrian Cisneros
7145 Magnolia Ave #100 – Riverside, CA 92504 – (951) 373-3773 – View Map - Scott Fowler – State Farm Insurance Agent
7177 Brockton Ave #340 – Riverside, CA 92506 – (951) 777-2446 – View Map
Deciding on an car insurance agent should include more criteria than just a low price. The questions below may impact your decision as well.
- Which company do they place the most coverage with?
- What kind of financial rating does the company have?
- How long have they been in business?
- Are they in the agency full-time?
- Does the agency have a positive business rating?
Riverside car insurance companies
Ending up with a high-quality car insurance company is difficult considering how many choices you have in Riverside. The company ratings below could help you pick which auto insurers to look at comparing rate quotes with.
Top 10 Riverside Car Insurance Companies Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Top 10 Riverside Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Shop around and save
Affordable Suzuki Kizashi insurance in Riverside can be found both online as well as from insurance agents, so you should be comparing quotes from both to have the best rate selection. Some auto insurance companies may not have the ability to get a quote online and these smaller companies only sell coverage through local independent agents.
We just showed you some good ideas how to find affordable Suzuki Kizashi insurance in Riverside. The key concept to understand is the more rate comparisons you have, the better likelihood of getting inexpensive Riverside car insurance quotes. Consumers could even find that the best rates are with the smaller companies.
As you prepare to switch companies, never reduce coverage to reduce premium. There are too many instances where drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find at a price you can afford but still have enough coverage for asset protection.
More tips and info about auto insurance can be found at these sites:
- Credit Impacts Car Insurance Rates (State Farm)
- What Car Insurance is Cheapest for Retired Military in Riverside? (FAQ)
- What Insurance is Cheapest for Lyft Drivers in Riverside? (FAQ)
- Who Has Cheap Riverside Car Insurance Rates for Felons? (FAQ)
- Who Has Affordable Auto Insurance for a Toyota Highlander in Riverside? (FAQ)
- Keeping Children Safe in Crashes Video (iihs.org)
- Distracted Driving Statistics (Insurance Information Institute)