2006 Suzuki Verona Insurance Quotes

Drivers have many options when trying to find the best price on Suzuki Verona insurance. They can either waste time contacting agents to get rate comparisons or utilize the internet to make rate comparisons.

There are more efficient ways to compare insurance coverage rates and you need to know the quickest way to get price quotes for a new or used Suzuki and obtain the best price possible from both online companies and local agents.

You should make it a habit to get comparison quotes quite often because insurance coverage rates change quite often. Even if you got the best premium rates for Verona coverage two years ago there is a good chance you can find better prices now. Forget anything you know (or think you know) about insurance coverage because we’re going to show you the quickest way to save on insurance coverage.

You can change your insurance premiums

Lots of factors are used in the calculation when you get your auto insurance bill. Some are pretty understandable like your driving record, although others are not as apparent such as whether you are married or how financially stable you are.

Shown below are some of the factors car insurance companies consider when setting prices.

  • Save money by raising comp and collision deductibles – The deductibles you choose are the amount of money you are willing to pay out-of-pocket if you file a covered claim. Physical damage coverage, also known as collision and other-than-collision, protects your car from damage. Some coverage claims could be collision with another vehicle, vandalism, and damage from wind. The larger the amount you are required to pay out-of-pocket, the lower your rates will be for Verona coverage.
  • Lower rates with a multi-policy discount – Most companies will award lower prices to buyers that buy multiple policies. It’s known as a multi-policy discount. The amount of the discounts can be 10 percent or more. Even with this discount, it’s always a smart idea to compare rates to confirm you are receiving the best rates possible.
  • Safer the car lower the rate – Cars with high safety ratings can get you lower premiums. Vehicles built for safety reduce injuries and fewer injuries translates into savings for insurance companies and thus lower rates. If your Suzuki is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
  • Pleasure use or commuting – The more you drive your Suzuki every year the more you’ll pay to insure your vehicle. Most insurance companies rate vehicles based on their usage. Cars and trucks that have low annual miles qualify for better rates than those that get driven frequently. It’s always a good idea to double check that your policy properly reflects the correct driver usage. An improperly rated Verona can cost quite a bit.
  • Liability coverage limits should be high – Your car insurance policy’s liability coverage will afford coverage when you are ruled to be at fault for an accident. Liability insurance provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
  • Always have car insurance – Having a gap between insurance policy dates is a quick way to pay more for car insurance. And not only will insurance be more expensive, not being able to provide proof of insurance could result in fines and jail time. You will then be forced to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Does insurance coverage cost more for guys? – Statistics have proven women are more cautious behind the wheel. This data doesn’t prove that males are worse at driving than females. Males and females get in fender benders at about the same rate, but the male of the species have costlier accidents. Men also statistically receive more major tickets such as DWI and reckless driving.

How to get the cheapest car insurance

Finding a better price on car insurance isn’t really that difficult. All that’s required is to take time to compare rate quotes to find the company with inexpensive auto insurance quotes. This can be done using one of these methods.

  1. If you are pressed for time, the simplest way to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This easy form prevents you from having to do separate quotation requests for each price estimate. One quote request compares rates from car insurance companies with the best prices.It’s the quickest way to get rates.
  2. A slightly less efficient method to shop for car insurance online is to manually visit each company’s website and request a quote. For instance, we’ll pretend you want comparison quotes from USAA, Safeco and Travelers. You would have to spend time going to each site individually and enter your policy data, which can get old fast. For a handy list of car insurance company links in your area, click here.

Whichever way you use, be sure you’re using the same deductibles and coverage limits for each comparison quote. If you are comparing different coverage information you will not be able to make an equal comparison.

Car insurance policy discounts you can’t miss

Companies that sell car insurance do not advertise every possible discount very well, so the next list breaks down both well-publicized as well as the least known credits available to bring down your rates.

  • Good Grades Discount – Being a good student can earn a discount of 20% or more. This discount can apply up to age 25.
  • Driver Training Discounts – Successfully completing a course that instructs on driving safety could earn you a small percentage discount and also improve your driving technique.
  • Senior Discount – If you’re over the age of 55, you may be able to get a small discount on rates for Verona coverage.
  • Early Signing – A few car insurance companies give discounts for switching to them early. This discount can save up to 10%.
  • Own a Home – Owning a house can save a few bucks since owning and maintaining a home requires a higher level of personal finance.
  • Discount for Life Insurance – If the company offers life insurance, you could get a break if you buy some life insurance in addition to your auto policy.
  • Clubs and Organizations – Affiliation with a civic or occupational organization could qualify you for a break on car insurance.
  • Onboard Data Collection – Insureds who allow their car insurance company to monitor driving habits by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if they are good drivers.
  • Pay Upfront and Save – By making one initial payment rather than paying in monthly installments you can avoid monthly service charges.

One thing to note about discounts is that most of the big mark downs will not be given to all coverage premiums. Most cut individual premiums such as physical damage coverage or medical payments. Even though the math looks like all the discounts add up to a free policy, nobody gets a free ride. Any amount of discount will definitely lower your overall bill.

Car insurance companies that may have these discounts include:

Before purchasing a policy, check with each insurance company which discounts can lower your rates. Discounts may not be available in every state. To view providers that have a full spectrum of discounts, click this link.

Insurance agents can help

When it comes to buying coverage for your vehicles, there is no single plan that fits everyone. Each situation is unique.

These are some specific questions may help you determine whether your personal situation might need an agent’s assistance.

  • When should I remove comp and collision on my 2006 Suzuki Verona?
  • What if I total my 2006 Suzuki Verona and owe more than it’s worth?
  • When would I need rental car insurance?
  • Am I better off with higher deductibles on my 2006 Suzuki Verona?
  • Will I lose any money if I cancel my policy before it expires?
  • What are the financial responsibility laws in my state?
  • What is covered by UM/UIM coverage?
  • What if I don’t agree with a claim settlement offer?
  • Should I waive the damage coverage when renting a car?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverages 101

Learning about specific coverages of a insurance policy aids in choosing which coverages you need and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers – This coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Suzuki Verona.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Medical expense insurance – Med pay and PIP coverage pay for immediate expenses like pain medications, dental work, funeral costs, X-ray expenses and ambulance fees. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision – This pays for damage to your Verona from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, sideswiping another vehicle, scraping a guard rail, damaging your car on a curb and hitting a parking meter. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Auto liability – Liability coverage will cover damage that occurs to other’s property or people in an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things like legal defense fees, repair bills for other people’s vehicles, funeral expenses and bail bonds. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from getting keyed, hitting a deer, hail damage, damage from flooding and rock chips in glass. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Compare but don’t skimp

Consumers who switch companies do it for any number of reasons including lack of trust in their agent, high prices, denial of a claim or delays in paying claims. Regardless of your reason for switching companies, switching auto insurance companies is less work than it seems.

While you’re price shopping online, make sure you don’t skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed liability coverage limits only to find out that saving that couple of dollars actually costed them tens of thousands. The goal is to purchase plenty of coverage at an affordable rate, but do not sacrifice coverage to save money.

A few companies may not have the ability to get a quote online and many times these regional carriers prefer to sell through independent agents. Cheap 2006 Suzuki Verona insurance is attainable from both online companies and from local insurance agents, and you should compare price quotes from both to have the best selection.

More information can be found at the links below