Want to learn how to find the cheapest car insurance rates in Philadelphia, PA? Philadelphia consumers have options when looking for low-cost Suzuki Kizashi insurance. You can either waste hours struggling with agents getting price quotes or leverage the internet to make rate comparisons. There are both good and bad ways to shop for car insurance so you’re going to learn the best way to get price quotes for a new or used Suzuki and get the cheapest rates either online or from Philadelphia insurance agents.
You should take the time to shop coverage around yearly due to the fact that insurance prices trend upward over time. Just because you had the best rate on Suzuki Kizashi insurance in Philadelphia six months ago there may be better deals available now. Ignore everything you know about car insurance because you’re about to learn the fastest and easiest way to get good coverage on Suzuki Kizashi insurance in Philadelphia at a lower rate.
Locating the most cost-effective car insurance policy in Philadelphia can initially seem challenging. If you’re already insured, you will be able to get lower rates using the tips covered below. Vehicle owners just have to know the least time-consuming way to compare rate quotes using one simple form.
The companies shown below have been selected to offer price comparisons in Pennsylvania. If more than one company is shown, it’s a good idea that you visit two to three different companies in order to find the most competitive rates.
Insurance coverage details
The premium information below covers different rate quotes for Suzuki Kizashi models. Learning more about how policy premiums are formulated can aid in making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Kizashi S | $196 | $356 | $310 | $18 | $92 | $972 | $81 |
| Kizashi S AWD | $222 | $356 | $310 | $18 | $92 | $998 | $83 |
| Kizashi SE | $222 | $356 | $310 | $18 | $92 | $998 | $83 |
| Kizashi GTS | $222 | $420 | $310 | $18 | $92 | $1,062 | $89 |
| Kizashi SE AWD | $222 | $420 | $310 | $18 | $92 | $1,062 | $89 |
| Kizashi GTS AWD | $222 | $420 | $310 | $18 | $92 | $1,062 | $89 |
| Kizashi SLS | $222 | $420 | $310 | $18 | $92 | $1,062 | $89 |
| Kizashi SLS AWD | $246 | $420 | $310 | $18 | $92 | $1,086 | $91 |
| Get Your Own Customized Quote Go | |||||||
Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Premium costs do not factor in specific location information which can decrease or increase prices considerably.
Where to set your deductibles
A question often asked by Philadelphia drivers is how high should your deductibles be. The following insurance rates highlight the price difference when you choose different policy deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Kizashi S | $254 | $428 | $330 | $20 | $98 | $1,155 | $96 |
| Kizashi S AWD | $288 | $428 | $330 | $20 | $98 | $1,189 | $99 |
| Kizashi SE | $288 | $428 | $330 | $20 | $98 | $1,189 | $99 |
| Kizashi GTS | $288 | $506 | $330 | $20 | $98 | $1,267 | $106 |
| Kizashi SE AWD | $288 | $506 | $330 | $20 | $98 | $1,267 | $106 |
| Kizashi GTS AWD | $288 | $506 | $330 | $20 | $98 | $1,267 | $106 |
| Kizashi SLS | $288 | $506 | $330 | $20 | $98 | $1,267 | $106 |
| Kizashi SLS AWD | $320 | $506 | $330 | $20 | $98 | $1,299 | $108 |
| Get Your Own Customized Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Kizashi S | $158 | $270 | $330 | $20 | $98 | $876 | $73 |
| Kizashi S AWD | $178 | $270 | $330 | $20 | $98 | $896 | $75 |
| Kizashi SE | $178 | $270 | $330 | $20 | $98 | $896 | $75 |
| Kizashi GTS | $178 | $318 | $330 | $20 | $98 | $944 | $79 |
| Kizashi SE AWD | $178 | $318 | $330 | $20 | $98 | $944 | $79 |
| Kizashi GTS AWD | $178 | $318 | $330 | $20 | $98 | $944 | $79 |
| Kizashi SLS | $178 | $318 | $330 | $20 | $98 | $944 | $79 |
| Kizashi SLS AWD | $198 | $318 | $330 | $20 | $98 | $964 | $80 |
| Get Your Own Customized Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Premium amounts do not factor in the specific area where the vehicle is garaged which can revise rates greatly.
Using the data above, we can ascertain that using a $250 deductible would cost the average driver about $26 more each month or $312 a year averaged for all Kizashi models than buying the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 29 months between claim filings, you would probably be better off if you choose a higher deductible. The table below shows an example of how this determination is made.
| Average monthly premium for $250 deductibles: | $103 |
| Average monthly premium for $1,000 deductibles (subtract): | – $77 |
| Monthly savings from raising deductible: | $26 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $26 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 29 months |
An important sidenote is that higher deductibles results in a higher out-of-pocket expense when you file a claim. It will be required that you have some savings in the bank in the event you have to pay the higher deductible.
Price comparison of only insuring for liability
The diagram below illustrates the comparison of Suzuki Kizashi annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Pennsylvania. The rate quotes are based on no violations or claims, $500 deductibles, drivers are single, and no discounts are applied to the premium.
When to stop paying for full coverage
There is no exact formula to eliminate comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your Suzuki Kizashi settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $7,000 after paying the physical damage deductible. If you are currently paying more than $700 annually for comprehensive and collision coverage, then it could be time to drop full coverage.
There are some situations where dropping full coverage is not advised. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.
Three reasons auto insurance is important
Despite the high insurance cost for a Suzuki Kizashi in Philadelphia, insuring your vehicle serves an important purpose.
- Most states have mandatory liability insurance requirements which means you are required to carry a specific level of liability coverage in order to be legal. In Pennsylvania 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 your Suzuki has a loan, almost all lenders will make it a condition of the loan that you have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the bank will be required to insure your Suzuki at an extremely high rate and require you to pay for it.
- Insurance protects both your car and your personal assets. It will also pay for many types of medical costs that are the result of an accident. As part of your policy, liability insurance will also pay to defend you in the event you are sued. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of insuring your car greatly outweigh the cost, particularly if you ever have a claim. But the average American driver overpays as much as $810 a year so it’s recommended you shop around at every policy renewal to save money.
Get affordable rates by applying these ten discounts
Properly insuring your vehicles can get expensive, but you can get discounts that many people don’t even know exist. Some discounts apply automatically when you complete an application, but some may not be applied and must be asked for prior to getting the savings.
- Onboard Data Collection – Insureds who allow their company to track vehicle usage by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if their driving habits are good.
- Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
- More Vehicles More Savings – Drivers who insure more than one vehicle with the same car insurance company can get a discount for every vehicle.
- Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
- One Accident Forgiven – Not really a discount, but companies like Progressive and Allstate will allow you to have one accident before your rates go up so long as you haven’t had any claims prior to the accident.
- Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. The good student discount can last well after school through age 25.
- Theft Prevention System – Cars that have factory anti-theft systems are stolen with less frequency and will qualify for a discount on a Philadelphia car insurance quote.
- Cautious Drivers – Drivers who avoid accidents may save up to 50% more compared to accident prone drivers.
- Driver’s Ed – Cut your cost by having your teen driver complete a driver education course if offered at their school.
- Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you a discount if you purchase a life insurance policy as well.
A quick disclaimer, most discount credits are not given to your bottom line cost. The majority will only reduce individual premiums such as liability, collision or medical payments. Just because you may think you can get free auto insurance, company stockholders wouldn’t be very happy.
The diagram below visualizes the comparison of Suzuki Kizashi insurance premiums with and without discounts applied. The information is based on a male driver, no accidents, no driving violations, Pennsylvania 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 homeowner, claim-free, marriage, multi-policy, safe-driver, and multi-car discounts applied.
Insurance companies that may include these benefits include:
When getting a coverage quote, ask each company or agent to give you their best rates. Some credits may not apply to policyholders in your state.
When to get professional advice
When choosing coverage online or from an agent for your vehicles, there really isn’t a one size fits all plan. Everyone’s situation is unique so your insurance should reflect that
For example, these questions may help you determine if you would benefit from an agent’s advice.
- What is the ISO rating for a Suzuki Kizashi?
- What is covered by UM/UIM coverage?
- Can I afford to buy a different vehicle if my Suzuki Kizashi is totaled?
- Does my insurance cover my expensive audio equipment?
- What can I do if my company won’t pay a claim?
- Does my policy cover me if I wreck while driving under the influence?
- What is the premium to book value ratio for dropping full coverage?
- What companies insure drivers after a DUI or DWI?
If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.
Insurance agencies near you
Certain consumers just prefer to sit down with an agent and that is a smart decision Licensed agents can help you build your policy and will help you if you have claims. One of the great benefits of price shopping on the web is that you can obtain cheaper auto insurance rates and still have a local agent.
After filling out this short form, the coverage information is instantly submitted to local insurance agents in Philadelphia who will return price quotes for your business. You don’t have to even leave your home because prices are sent immediately to your email address. If you need to quote rates from a specific company, don’t hesitate to jump over to their website and complete a quote there.
Finding the right insurance company is decision based upon more than just the price. Here are some questions you should ask.
- Which company do they place the most coverage with?
- Are there any discounts that you might be missing?
- Are they in the agency full-time?
- Is there a 24/7 contact number?
- Does the agent have professional designations like CIC, CPCU or AIC?
- If your car is in the repair shop, do you have coverage for a rental car?
- Where would your vehicle be repaired?
- How will an accident affect your rates?
Insurance agent types
If you prefer to buy car insurance from a reliable agent, there are two different types of agencies that you can choose from. Insurance agencies in Philadelphia can be categorized as either exclusive or independent (non-exclusive). Either can write car insurance policies, but it’s important to point out the difference in the companies they write for because it can factor into which agent you choose.
Exclusive Agents
These agents generally can only insure with one company and examples are State Farm, Allstate, and Farm Bureau. They usually cannot compare rates from other companies so it’s a take it or leave it situation. Exclusive agents receive extensive training on the products they sell which aids in selling service over price. A lot of people buy from the same agent for years partially due to the brand legacy rather than low rates.
Below is a short list of exclusive insurance agencies in Philadelphia willing to provide rate quotes.
- Pamela R Wilkins – State Farm Insurance Agent
8912 Frankford Ave – Philadelphia, PA 19136 – (215) 331-4500 – View Map - Wanda Dancy – State Farm Insurance Agent
2805 N 47th St, FL-1 – Philadelphia, PA 19131 – (215) 871-3390 – View Map - State Farm: Brian Cover
7005 Bustleton Ave – Philadelphia, PA 19149 – (215) 332-9000 – View Map
Independent Agencies or Brokers
These agents often have many company appointments so they have the ability to put coverage through lots of different companies and find the cheapest rate. If you are not satisfied with one company, the business is moved internally and you can keep the same agent. When comparing car insurance prices, you will want to compare prices from several independent insurance agents so that you have a good selection of quotes to compare. They also have the ability to place coverage with small regional insurance companies which can be an advantage.
The following are independent insurance agencies in Philadelphia that are able to give price quotes.
- Rexach Insurance Agency
2932 N 5th St – Philadelphia, PA 19133 – (215) 229-6320 – View Map - America Insurance Agency Inc
7214 Frankford Ave – Philadelphia, PA 19135 – (800) 283-0500 – View Map - Terra Insurance Services
1879 Cottman Ave – Philadelphia, PA 19111 – (215) 742-3743 – View Map
After getting answers to your satisfaction to your questions and a good coverage price, most likely you have located an insurance agency that is a good match to properly service your car insurance policy.
Car insurance coverage information
Having a good grasp of a auto insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages found on the average auto insurance policy.
Coverage for liability
This provides protection from damage that occurs to other’s property or people by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 15/30/5 which means $15,000 bodily injury coverage, a limit of $30,000 in injury protection per accident, and a total limit of $5,000 for damage to vehicles and property.
Liability coverage pays for things such as court costs, repair costs for stationary objects, emergency aid, repair bills for other people’s vehicles and pain and suffering. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford. Pennsylvania requires minimum liability limits of 15/30/5 but drivers should carry more coverage.
The illustration below shows why buying low liability limits may not be adequate.
Uninsured Motorist or Underinsured Motorist insurance
This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your Suzuki Kizashi.
Since a lot of drivers carry very low liability coverage limits (Pennsylvania limits are 15/30/5), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.
Collision insurance
Collision coverage pays for damage to your Kizashi resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things like hitting a mailbox, sideswiping another vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to increase the deductible on your Kizashi to get cheaper collision coverage.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as rehabilitation expenses, pain medications and surgery. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible
Comprehensive coverage (or Other than Collision)
Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as hitting a deer, damage from a tornado or hurricane, a tree branch falling on your vehicle and falling objects. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Compare but don’t skimp
Throughout this article, we presented a lot of tips how to lower your Suzuki Kizashi insurance prices in Philadelphia. The most important thing to understand is the more you quote Philadelphia car insurance, the better chance you’ll have of finding affordable Philadelphia car insurance quotes. You may even be surprised to find that the best price on insurance is with a smaller regional carrier. Some small companies often have lower rates on specific markets than the large multi-state companies such as Allstate, GEICO and Progressive.
Budget-friendly insurance in Philadelphia is possible both online and from local agencies, so you need to quote Philadelphia car insurance with both to get a complete price analysis. Some insurance companies do not offer the ability to get a quote online and many times these smaller providers provide coverage only through local independent agencies.
Helpful information
- Eight Auto Insurance Myths (Insurance Information Institute)
- Who Has Affordable Auto Insurance for Drivers Over Age 60 in Philadelphia? (FAQ)
- Who Has Affordable Philadelphia Car Insurance for 17 Year Olds? (FAQ)
- What Insurance is Cheapest for a Company Car in Philadelphia? (FAQ)
- Who Has the Cheapest Philadelphia Auto Insurance Quotes for a Ford Edge? (FAQ)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Choosing a Car for Your Teen (State Farm)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)