Suzuki Verona Drivers Find the Lowest Auto Insurance Rates

Sick and tired of paying out the nose each month for car insurance? You’re in the same situation as many other consumers. Many insurers compete to insure your vehicles, so it’s not easy to compare every insurance company to find the lowest price

Save big with these discounts

Insurance can cost an arm and a leg, but you may find discounts to help offset the cost. Certain discounts will be triggered automatically when you quote, but less common discounts must be asked for prior to receiving the credit. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

Defensive Driving Course – Successfully completing a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
Multi-car Discount – Having more than one vehicle on the same auto insurance policy qualifies for this discount.
Low Mileage Discounts – Fewer annual miles on your Suzuki can earn lower rates on the low mileage vehicles.
Early Signing – Select companies give a discount for buying a policy before your current policy expires. This can save 10% or more.
Paperless Signup – Certain companies will give a small break for buying your policy digitally online.
Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Verona insurance than less cautious drivers.
Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
Multiple Policy Discount – If you have multiple policies with one company you will save approximately 10% to 15%.
Life Insurance Discount – Some companies give better rates if you take out auto and life insurance together.

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce specific coverage prices like comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, companies don’t profit that way. But any discount will cut your premiums.

Shop online but buy locally

Certain consumers would rather visit with an insurance agent and that is a personal choice. Educated insurance agents can help determine the best coverages and give you someone to call. The best thing about price shopping on the web is that you can obtain lower rates but also keep your business local. Supporting local agencies is important especially in smaller rural communities.

By using this form (opens in new window), the coverage information is emailed to agents in your area who will give you bids for your business. There is no reason to even leave your home since price quotes are sent to the email address you provide. Now that’s easy!

Different types of auto insurance agents

When researching an insurance agent, you must know there are a couple types of insurance agents to choose from. agents can either be independent (non-captive) or captive. Both write coverage properly, but it’s worth learning how they differ because it can impact your selection of an agent.

Independent Agencies or Brokers

Independent insurance agents are not locked into one company so they can insure your vehicles with many different companies and potentially find a lower price. To move your coverage to a new company, an independent agent can move your coverage without you having to go to a different agency.

When comparing rates, we recommend you contact several independent insurance agents to have the most options to choose from.

Agency Captives

These agents work for only one company and examples are Allstate, Farmers Insurance or State Farm. They are unable to shop your coverage around so keep that in mind. Captives are well schooled on their products and sales techniques which helps them sell insurance even at higher premiums.

To view a full list of agents, visit this site.

Choosing an auto insurance agent shouldn’t rely on just the premium amount. Some important questions to ask are:

Can they provide you with a list of referrals?
What is the agency’s Better Business Bureau rating?
Will your rates increase after a single accident?
Are claim adjusters local or do you have to take your car somewhere else?
Does the agency provide any after hours assistance?
If your car is totalled, how to they determine the replacement cost?
Do they carry Errors and Omissions coverage?
Do the coverages you’re quoting properly cover your vehicle?

Once you have received reasonable responses to your questions in addition to an acceptable price estimate, you’ve probably found an insurance agency that can insure your vehicles.

Do auto insurance companies bend the truth?

Drivers constantly see and hear ads that promise big savings from companies such as 21st Century, Allstate and State Farm. They all make the same claim that you can save after switching your policy.

How can each company say the same thing?

Insurance companies have a preferred profile for the right customer that earns them a profit. For instance, a driver they prefer could be a mature driver, has no driving citations, and drives less than 10,000 miles a year. A propective insured that hits that “sweet spot” will get the preferred rates and most likely will save a lot of money.

Drivers who do not match the “perfect” profile must pay higher premiums which leads to business going elsewhere. The ads say “customers that switch” not “everybody who quotes” save that much money. That’s the way companies can make those claims.

This illustrates why you need to compare many company’s rates. Because you never know which auto insurance company will give you the biggest savings.

A little work can save a LOT of money

As you prepare to switch companies, it’s very important that you do not buy poor coverage just to save money. In too many instances, an insured dropped physical damage coverage only to find out that the savings was not a smart move. The aim is to buy enough coverage at a price you can afford while not skimping on critical coverages.

We’ve covered many tips how you can save on Suzuki Verona insurance. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. Consumers may even find the most savings is with a small local company. They can often provide lower rates in certain areas compared to the large companies like State Farm or Progressive.