2002 Suzuki Aerio Insurance Rates

Want the cheapest car insurance rates for your Suzuki Aerio? Tired of paying out the nose to pay your car insurance bill each month? Your situation is no different than many other consumers. Numerous car insurance companies battle for your business, so it can be very hard to choose a provider to find the absolute best rates possible.

If you have a current car insurance policy or are looking for a new policy, you will benefit by learning to find the best rates while maintaining coverages. Finding the best rates is easy if you know what you’re doing. Consumers just need to know the proper way to get comparison rates on the web.

The quickest method we recommend to compare rates is to understand all the major auto insurance companies allow for online access to give you rate quotes. All consumers are required to do is provide details such as whether you are married, how old drivers are, any included safety features, and how much coverage you want. Your rating data is instantly submitted to many different companies and they provide comparison quotes instantly to find the best rate.

Don’t miss these eight discounts

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that you may not even be aware of. Most are applied when you quote, but lesser-known reductions have to be asked about before being credited. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

• Student in College – Any of your kids living away from home attending college and do not have a car can receive lower rates.
• Discount for Swiching Early – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. The savings is around 10%.
• Auto/Home Discount – When you have multiple policies with the same company you will save up to 20% off your total premium.
• Clubs and Organizations – Being a member of a professional or civic organization may earn a discount when shopping for insurance coverage on Aerio insurance.
• Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
• Passive Restraint Discount – Factory air bags or automatic seat belts can receive discounts up to 30%.
• Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
• Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.

As a disclaimer on discounts, some credits don’t apply to the entire policy premium. The majority will only reduce individual premiums such as collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, companies wouldn’t make money that way. But any discount will cut your overall premium however.

Car insurance companies that may have these discounts include:

• State Farm
• GEICO
• Progressive
• 21st Century
• American Family
• The Hartford
• AAA

It’s a good idea to ask each company what discounts are available to you. All car insurance discounts might not apply everywhere.

When might I need help?

When it comes to choosing the best auto insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that These are some specific questions might point out if your insurance needs will benefit from professional help.

• Should I file a claim if it’s only slightly more than my deductible?
• Does medical payments coverage apply to all occupants?
• Does my policy cover me when driving someone else’s vehicle?
• What are the financial responsibility laws in my state?
• Do I need medical payments coverage since I have good health insurance?
• What is the rate difference between pleasure use and commuting?
• Is my Suzuki Aerio covered if I use it for business?
• How much liability do I need to cover my assets?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It only takes a few minutes and may give you better protection.

Insurance coverages explained

Having a good grasp of your insurance policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on most insurance policies.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for expenses like dental work, X-ray expenses, surgery and pain medications. They can be used to cover expenses not covered by 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. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability insurance – This provides protection from damage that occurs to people or other property. It protects you against claims from other people, and does not provide coverage for 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. Your policy might show liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like structural damage, funeral expenses, medical expenses and bail bonds. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist coverage – This gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Suzuki Aerio.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.

Comprehensive coverage – This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hitting a bird, theft, rock chips in glass, damage from flooding and falling objects. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision – This covers damage to your Aerio resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as damaging your car on a curb, crashing into a building and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Use our FREE quote tool to compare rates now!