When looking for more affordable insurance, are you intimidated by the crazy number of auto insurance sources available to you? Many other drivers are too. New Mexico consumers have so many choices that it can really be more work than you anticipated to lower your prices for Suzuki Kizashi insurance in Albuquerque. Lots of people think Albuquerque is a great place to live, but high auto insurance premiums can make it nearly impossible for many drivers to afford good insurance coverage.
Remarkably, a study showed that over 70% of consumers have stayed with the same insurance company for more than four years, and 38% of customers have never compared auto insurance rates at all. With the average premium in the U.S. being $1,847, drivers can save hundreds of dollars each year by just comparing rate quotes, but they just feel it’s too hard to shop their coverage around.
You should make it a habit to compare prices every six months because auto insurance rates are variable and change quite frequently. Even if you got the lowest rate on Suzuki Kizashi insurance in Albuquerque a year ago other companies may now be cheaper. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to one of the easiest ways to find great coverage at a great price.
If you currently have insurance, you will most likely be able to reduce premiums using this strategy. Shopping for the best policy in Albuquerque is not as confusing as people think. But New Mexico drivers must learn how companies determine what you pay and use this information to your advantage.
Discounts for lower-cost auto insurance rates
Companies offering auto insurance don’t always advertise every available discount very well, so the next list breaks down a few of the more well known as well as some of the hidden ways to save on auto insurance.
- Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% with certain companies.
- Pay Now and Pay Less – If you can afford to pay the entire bill as opposed to paying monthly you may reduce your total bill.
- Auto/Home Discount – If you have multiple policies and insure them with the same company you could earn a discount of 10% to 20% off each policy.
- ABS and Traction Control Discounts – Cars and trucks with ABS and/or traction control are much safer to drive and earn discounts up to 10%.
- Student in College – Children living away from Albuquerque attending college and leave their car at home could qualify for this discount.
- Accident Waiver – This one is not really a discount per se, but some companies like State Farm, Progressive and GEICO will allow you to have one accident before raising your premiums if you have no claims for a set time period.
- Low Mileage Discounts – Driving less can qualify you for slightly better prices than normal.
You can save money using discounts, but most of the big mark downs will not be given to the whole policy. Some only apply to the cost of specific coverages such as medical payments or collision. So when the math indicates you can get free auto insurance, auto insurance companies aren’t that generous.
The example below illustrates the difference between Suzuki Kizashi insurance costs with and without discounts applied to the policy rates. The premium estimates are based on a female driver, no violations or claims, New Mexico state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-policy, claim-free, multi-car, and safe-driver discounts applied.
Popular auto insurance companies and their offered discounts are included below.
- GEICO may have discounts that include emergency military deployment, multi-vehicle, defensive driver, anti-lock brakes, and driver training.
- MetLife may include discounts for good driver, claim-free, multi-policy, good student, defensive driver, and accident-free.
- Progressive includes discounts for online signing, continuous coverage, homeowner, good student, multi-vehicle, online quote discount, and multi-policy.
- Travelers may offer discounts for good student, payment discounts, new car, save driver, and continuous insurance.
- SAFECO offers premium reductions for bundle discounts, safe driver, anti-theft, teen safe driver, anti-lock brakes, and drive less.
- AAA offers discounts for multi-policy, education and occupation, pay-in-full, AAA membership discount, multi-car, and anti-theft.
If you want cheaper Albuquerque auto insurance quotes, ask every insurance company the best way to save money. Discounts may not be offered in every state. If you would like to see a list of companies with the best Suzuki Kizashi insurance discounts in Albuquerque, click here.
Most companies allow consumers to get prices for coverage from their websites. This process is quite easy as you simply enter the coverages you want on the page. After the form is submitted, the quote system requests your driving record and credit report and returns a price quote.
This simplifies rate comparisons, and it’s absolutely necessary to do this if you want to get lower-cost rates.
If you want to find out what other companies charge, check out the insurance providers below. To compare your current rates, we recommend you replicate your coverages exactly as they are listed on your policy. Doing this assures you will be getting an apples-to-apples comparison using the exact same coverages.
The providers in the list below offer quotes in Albuquerque, NM. If you wish to find the best cheap car insurance in Albuquerque, it’s a good idea that you visit two to three different companies in order to find the most competitive rates.
Auto insurance data for a Suzuki Kizashi
The premium table below covers estimates of prices for Suzuki Kizashi models. Understanding how policy rates are established can help customers make decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Kizashi S | $266 | $566 | $418 | $24 | $126 | $1,400 | $117 |
| Kizashi S AWD | $300 | $566 | $418 | $24 | $126 | $1,434 | $120 |
| Kizashi SE | $300 | $566 | $418 | $24 | $126 | $1,434 | $120 |
| Kizashi GTS | $300 | $666 | $418 | $24 | $126 | $1,534 | $128 |
| Kizashi SE AWD | $300 | $666 | $418 | $24 | $126 | $1,534 | $128 |
| Kizashi GTS AWD | $300 | $666 | $418 | $24 | $126 | $1,534 | $128 |
| Kizashi SLS | $300 | $666 | $418 | $24 | $126 | $1,534 | $128 |
| Kizashi SLS AWD | $334 | $666 | $418 | $24 | $126 | $1,568 | $131 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and New Mexico minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Rate information does not factor in vehicle location which can revise insurance rates noticeably.
An analysis of deductible level
When shopping for auto insurance, a common question is how low should you set your deductibles. The comparisons below approximate the premium difference between high and low policy deductibles. The first table uses a $250 comprehensive and collision deductible and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Kizashi S | $248 | $420 | $322 | $20 | $96 | $1,131 | $94 |
| Kizashi S AWD | $280 | $420 | $322 | $20 | $96 | $1,163 | $97 |
| Kizashi SE | $280 | $420 | $322 | $20 | $96 | $1,163 | $97 |
| Kizashi GTS | $280 | $494 | $322 | $20 | $96 | $1,237 | $103 |
| Kizashi SE AWD | $280 | $494 | $322 | $20 | $96 | $1,237 | $103 |
| Kizashi GTS AWD | $280 | $494 | $322 | $20 | $96 | $1,237 | $103 |
| Kizashi SLS | $280 | $494 | $322 | $20 | $96 | $1,237 | $103 |
| Kizashi SLS AWD | $314 | $494 | $322 | $20 | $96 | $1,271 | $106 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Kizashi S | $202 | $338 | $322 | $20 | $96 | $978 | $82 |
| Kizashi S AWD | $228 | $338 | $322 | $20 | $96 | $1,004 | $84 |
| Kizashi SE | $228 | $338 | $322 | $20 | $96 | $1,004 | $84 |
| Kizashi GTS | $228 | $398 | $322 | $20 | $96 | $1,064 | $89 |
| Kizashi SE AWD | $228 | $398 | $322 | $20 | $96 | $1,064 | $89 |
| Kizashi GTS AWD | $228 | $398 | $322 | $20 | $96 | $1,064 | $89 |
| Kizashi SLS | $228 | $398 | $322 | $20 | $96 | $1,064 | $89 |
| Kizashi SLS AWD | $254 | $398 | $322 | $20 | $96 | $1,090 | $91 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and New Mexico minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Premium amounts do not factor in specific Albuquerque garaging location which can modify insurance rates noticeably.
Based on this data, using a $250 deductible will cost you roughly $14 more each month or $168 each year averaged for all Kizashi models than buying the higher $500 deductible. Since you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you have more than 18 months between claim filings, you would more than likely save some money if you opt for a higher deductible.
Bad driving habits will cost you more
The example below demonstrates how speeding tickets and at-fault fender-benders impact Suzuki Kizashi insurance costs for each age group. The data assumes a married male driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.
Getting quotes from local Albuquerque car insurance agents
A small number of people just prefer to talk to a local agent and that is OK! A nice benefit of comparing insurance prices online is you can get cheaper premium rates but also keep your business local. Putting coverage with small agencies is still important in Albuquerque.
To find an agent, once you fill out this form (opens in new window), your insurance data gets sent to insurance agents in Albuquerque that provide free Albuquerque auto insurance quotes for your business. It’s much easier because you don’t need to drive around because quoted prices will be sent directly to your email. You can find lower rates and an insurance agent to talk to. If you wish to get a rate quote from a specific insurance company, just go to their quote page and fill out the quote form the provide.
If you want a good insurance agency, it can be helpful to understand the different agency structures from which to choose. Agencies in Albuquerque are classified as either exclusive or independent.
Independent Car Insurance Agents
These agents are not employed by one company and that is an advantage because they can write policies with an assortment of companies and help determine which has the cheapest rates. If they find a cheaper price, they can switch companies in-house and you stay with the same agent. When searching for an agent, we highly recommend that you compare prices from multiple independent agents to ensure the widest selection of prices. Many independent agencies also insure through mutual insurance companies which can save you money.
Shown below are Albuquerque independent insurance agents that may be able to give price quote information.
- Menicucci Insurance Llc
2116 Vista Oeste NW Bldg 5 – Albuquerque, NM 87120 – (505) 883-3683 – View Map - Berger Briggs Real Estate and Insurance Inc
4333 Pan American Fwy – Albuquerque, NM 87107 – (505) 247-0444 – View Map - Commercial West Insurance
2616 Mesilla St NE #2 – Albuquerque, NM 87110 – (505) 255-9577 – View Map
Exclusive Car Insurance Agencies
Agents of this type can usually just insure with one company such as American Family, State Farm, and AAA. Exclusive agents cannot compare other company’s rates so they have to upsell other benefits. Exclusive agents receive extensive training on their company’s products and that can be a competitive advantage. Drivers often use the same agent mainly due to loyalty to the company rather than having low rates.
Shown below is a short list of exclusive insurance agents in Albuquerque that are able to give price quote information.
- Cindy Maxwell – State Farm Insurance Agent
8244 Menaul Blvd NE – Albuquerque, NM 87110 – (505) 883-9000 – View Map - Rosendo Aragon – State Farm Insurance Agent
1808 Lomas Blvd NW b – Albuquerque, NM 87104 – (505) 247-2921 – View Map - Ronna Todd – State Farm Insurance Agent
4830 Juan Tabo Blvd NE e – Albuquerque, NM 87111 – (505) 293-3303 – View Map
Picking an car insurance agent is decision based upon more than just a cheap price. Some important questions to ask are:
- Does the agency have a good rating with the Better Business Bureau?
- Does the company have a solid financial rating?
- Which companies can they place coverage with?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Do they make recommendations based only on price?
- Will the quote change when the policy is issued?
Affordable rates are available
Consumers change insurance companies for a variety of reasons including not issuing a premium refund, high rates after DUI convictions, high prices or even questionable increases in premium. Regardless of your reason, finding the right insurance provider can be pretty painless.
We just covered many tips how you can reduce Suzuki Kizashi insurance rates online in Albuquerque. The key concept to understand is the more rate comparisons you have, the better likelihood of getting inexpensive Albuquerque auto insurance quotes. You may even find the lowest rates come from the least-expected company.
When trying to cut insurance costs, never skimp on coverage in order to save money. There are too many instances where someone dropped collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible for the lowest cost while not skimping on critical coverages.
How to buy affordable Suzuki Kizashi insurance in Albuquerque
If you want to find the absolute lowest rates, then the best way to find cheaper quotes for auto insurance rates is to make a habit of comparing prices annually from different companies in Albuquerque.
- Step 1: Try to comprehend policy coverages and the steps you can take to keep rates low. Many factors that are responsible for high rates like multiple speeding tickets and an unacceptable credit score can be eliminated by making minor driving habit or lifestyle changes.
- Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from one company like GEICO or State Farm, while independent agencies can provide price quotes for a wide range of insurance providers. View companies
- Step 3: Compare the new rate quotes to the premium of your current policy and see if you can save money. If you find a lower rate, make sure the effective date of the new policy is the same as the expiration date of the old one.
One key aspect of rate comparisons is to make sure you enter the same coverage limits and deductibles on each quote request and and to get prices from as many car insurance companies as possible. This ensures a fair rate comparison and many rates to choose from.
Helpful information
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- How Much are Albuquerque Auto Insurance Quotes for Drivers with Bad Credit? (FAQ)
- Who Has Affordable Albuquerque Auto Insurance Quotes for Used Cars? (FAQ)
- Who Has Cheap Car Insurance for Drivers with Good Credit in Albuquerque? (FAQ)
- How Much is Albuquerque Car Insurance for Real Estate Agents? (FAQ)
- Should I Buy a New or Used Car? (Allstate)
- Auto Insurance FAQ (Farmers Insurance)
- Choosing a Car for Your Teen (State Farm)
- Rental Reimbursement Coverage (Allstate)