Shopping for low-cost Minneapolis Suzuki Kizashi insurance quotes online can be somewhat intimidating for drivers new to quoting and shopping for insurance on the internet. With dozens of companies in the marketplace, how can anyone be able to compare every company in order to find the lowest rates?
How to find better rates for Suzuki Kizashi insurance in Minneapolis
The preferred way to get more affordable Suzuki Kizashi insurance in Minneapolis is to start doing an annual price comparison from insurers in Minnesota. You can compare rates by following these guidelines.
Step 1: Get an understanding of how companies price auto insurance and the measures you can take to lower rates. Many rating criteria that result in higher prices like inattentive driving and a low credit score can be rectified by making lifestyle changes or driving safer.
Step 2: Request price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive and State Farm, while independent agencies can give you price quotes for many different companies.
Step 3: Compare the new quotes to your current policy to see if switching to a new carrier will save money. If you find better rates, make sure there is no lapse in coverage.
Step 4: Provide proper notification to your current company of your intention to cancel your current policy and submit payment and a signed application for your new coverage. Once received, keep the new certificate verifying proof of insurance along with the vehicle’s registration papers.
A tip to remember is to compare similar coverage information on every quote request and and to get quotes from as many companies as you can. This enables an apples-to-apples comparison and a good representation of prices.
It’s astonishing, but the majority of drivers kept buying from the same company for over three years, and roughly 40% of drivers have never quoted rates to find cheap coverage. With the average car insurance premium being $2,240, Minnesota drivers can cut their rates by $1,040 a year just by comparing rates, but they feel it’s too difficult to shop around.
If you are already insured, you will most likely be able to shop for the lowest rates using the ideas presented in this article. Locating affordable auto insurance policy in Minneapolis is not as confusing as people think. Nevertheless, Minnesota car owners do need to learn how big insurance companies calculate your policy premium because rates fluctuate considerably.
To find affordable Minneapolis auto insurance quotes, there are several ways of comparing price quotes from different companies. One of the best ways to find competitive Suzuki Kizashi insurance rates is to use the internet to compare rates.
Just keep in mind that more quotes will increase your chances of finding the best rates. Some regional insurers cannot provide Minneapolis Kizashi insurance quotes online, so you also need to get prices on coverage from those companies, too.
The auto insurance companies shown below offer quotes in Minneapolis, MN. If your goal is to find cheap auto insurance in MN, we suggest you click on several of them to get the lowest price.
Insurance coverage details
The rate table shown next showcases a range of insurance premium costs for Suzuki Kizashi models. Having a better understanding of how rate quotes are established can help customers make smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Kizashi S | $248 | $454 | $326 | $20 | $98 | $1,146 | $96 |
| Kizashi S AWD | $280 | $454 | $326 | $20 | $98 | $1,178 | $98 |
| Kizashi SE | $280 | $454 | $326 | $20 | $98 | $1,178 | $98 |
| Kizashi GTS | $280 | $534 | $326 | $20 | $98 | $1,258 | $105 |
| Kizashi SE AWD | $280 | $534 | $326 | $20 | $98 | $1,258 | $105 |
| Kizashi GTS AWD | $280 | $534 | $326 | $20 | $98 | $1,258 | $105 |
| Kizashi SLS | $280 | $534 | $326 | $20 | $98 | $1,258 | $105 |
| Kizashi SLS AWD | $312 | $534 | $326 | $20 | $98 | $1,290 | $108 |
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Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Minnesota minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in specific location information which can lower or raise prices greatly.
Comparison of policy deductibles
When shopping for car insurance, a common question is where to set your physical damage deductibles. The comparison tables below outline the rate fluctuation when you select higher and lower insurance deductibles. The first rate quote example uses a $100 deductible for comp and collision and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Kizashi S | $272 | $492 | $318 | $18 | $94 | $1,219 | $102 |
| Kizashi S AWD | $308 | $492 | $318 | $18 | $94 | $1,255 | $105 |
| Kizashi SE | $308 | $492 | $318 | $18 | $94 | $1,255 | $105 |
| Kizashi GTS | $308 | $580 | $318 | $18 | $94 | $1,343 | $112 |
| Kizashi SE AWD | $308 | $580 | $318 | $18 | $94 | $1,343 | $112 |
| Kizashi GTS AWD | $308 | $580 | $318 | $18 | $94 | $1,343 | $112 |
| Kizashi SLS | $308 | $580 | $318 | $18 | $94 | $1,343 | $112 |
| Kizashi SLS AWD | $344 | $580 | $318 | $18 | $94 | $1,379 | $115 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Kizashi S | $152 | $260 | $318 | $18 | $94 | $842 | $70 |
| Kizashi S AWD | $170 | $260 | $318 | $18 | $94 | $860 | $72 |
| Kizashi SE | $170 | $260 | $318 | $18 | $94 | $860 | $72 |
| Kizashi GTS | $170 | $306 | $318 | $18 | $94 | $906 | $76 |
| Kizashi SE AWD | $170 | $306 | $318 | $18 | $94 | $906 | $76 |
| Kizashi GTS AWD | $170 | $306 | $318 | $18 | $94 | $906 | $76 |
| Kizashi SLS | $170 | $306 | $318 | $18 | $94 | $906 | $76 |
| Kizashi SLS AWD | $190 | $306 | $318 | $18 | $94 | $926 | $77 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Minnesota minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Price information does not factor in Minneapolis location which can affect auto insurance rates noticeably.
Using the premium rates above, we can conclude that using a $100 deductible could cost the average driver approximately $35 more each month or $420 every year across all Suzuki Kizashi models than buying the higher $1,000 deductible. Because you would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you have at least 26 months between claims, you would save money going with the higher deductible. The table below shows an example of how you can make this decision for your own policy.
| Average monthly premium for $100 deductibles: | $109 |
| Average monthly premium for $1,000 deductibles (subtract): | – $74 |
| Monthly savings from raising deductible: | $35 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $35 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 26 months |
One big caveat is that raising deductibles to save money means you will have to pay more out-of-pocket when you have a claim. You will want to have enough savings in the event you need to pay more for the deductible.
The diagram below demonstrates how choosing different deductibles and can raise or lower Suzuki Kizashi annual premium costs for different ages of insureds. The rate quotes are based on a married male driver, full coverage, and no discounts are applied.
How careless driving impacts Minneapolis car insurance rates
The example below illustrates how violations and at-fault collisions increase Suzuki Kizashi insurance costs for different age groups of insureds. The prices are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are applied.
Can’t I compare prices from local Minneapolis auto insurance agents?
A small number of people still like to get advice from a local agent. One of the benefits of comparing insurance prices online is you can get cheap insurance rates and still have a local agent.
Once you complete this quick form, your insurance coverage information is submitted to companies in Minneapolis who will gladly provide quotes for your coverage. You won’t even need to do any legwork because prices are sent to you directly. You can find better rates and work with a local agent. If you need to get a rate quote from one company in particular, you just need to find their quoting web page and fill out the quote form the provide.
Finding the right insurance company should depend on more than just a cheap quote. Any agent in Minneapolis should be willing to answer these questions.
- What insurance companies do they recommend if they are an independent agent?
- Do they specialize in personal lines auto insurance in Minneapolis?
- Does the company use OEM repair parts?
- How long has their agency been open in Minneapolis?
- Does the company have a solid financial rating?
- Are they actively involved in the community?
- If you raise deductibles, how much can you save?
- Do they review policy coverages at every renewal?
The type of car insurance agent you choose is important
If you would like to find a local insurance agency, you need to know there are two different types of agents that differ in how they can insure your vehicles. Insurance agencies in Minneapolis are either exclusive or independent (non-exclusive).
Exclusive Insurance Agencies
Exclusive agencies can only quote rates from one company and examples are Allstate, AAA, Farmers Insurance, and State Farm. They are unable to compare rates from other companies so they have to upsell other benefits. Exclusive insurance agents are well schooled on their company’s products which can be an advantage. Consumers sometimes choose to use a exclusive agent partially due to the brand name instead of buying on price only.
The following is a short list of exclusive agents in Minneapolis who may provide you with price quotes.
- State Farm: Brandon Walter
222 S 9th St #270 – Minneapolis, MN 55402 – (612) 843-8444 – View Map - Jerry Vang – State Farm Insurance Agent
701 4th Ave S #220 – Minneapolis, MN 55415 – (612) 338-6400 – View Map - State Farm Insurance: Karl Herman
3017 W 56th St – Minneapolis, MN 55410 – (612) 455-8844 – View Map
Independent Insurance Agencies
Agents that elect to be independent can sell policies from many different companies so they can quote policies with many different companies and find you the best rates. If you are not satisfied with one company, they simply switch companies in-house without you having to go to a different agency.
If you are comparing rate quotes, you will definitely want to include rate quotes from at a minimum one independent agency to ensure the widest selection of prices. Most have the option of insuring with different regional companies that many times have cheaper rates.
Listed below is a list of independent agents in Minneapolis who can help you get rate quotes.
- Moreno Agency – Innovative Insurance
4748 Chicago Ave #2 – Minneapolis, MN 55407 – (612) 584-0077 – View Map - Oakwood Insurance Inc
5188 Central Ave NE – Minneapolis, MN 55421 – (763) 862-4800 – View Map - Criterion Insurance Agency
3300 Fernbrook Ln N #170 – Minneapolis, MN 55447 – (800) 701-5909 – View Map
After getting positive feedback for all questions you ask as well as an affordable premium quote, most likely you have located a car insurance agent that is a good match to provide insurance coverage. Just keep in mind you can always cancel coverage for any reason so don’t feel you are locked into a policy for a certain time period.
Minnesota car insurance companies ranked
Finding a high-quality auto insurance company can be a challenge considering how many choices there are in Minneapolis. The rank data shown below may help you decide which car insurance companies to look at when comparing rate quotes.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Mercury Insurance | 87 | 95 | 87 | 84% | A+ | 88.3 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
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Data Source: Insure.com Best Car Insurance Companies