2005 Suzuki Aerio Insurance Cost – 5 Savings Tips

Want cheaper insurance coverage rates for your Suzuki Aerio? I can’t think of anyone who likes paying for insurance coverage, especially knowing the cost is way too high. Drivers have multiple insurance companies to purchase coverage from, and although it’s nice to have a choice, so many choices can make it hard to compare rates and cut insurance costs.

How to Get Insurance Coverage

Lowering your 2005 Suzuki Aerio insurance coverage rates doesn’t have to be difficult. You just have to spend a little time comparing rate quotes online with multiple companies. This can be done using a couple different methods.

One of the simplest ways to find low rates would be an industry-wide quote request form (click to open form in new window). This easy form prevents you from having to do separate quotation requests for each company. One quote request gets you price quotes from multiple low-cost companies.

A more time consuming way to compare prices consists of visiting the website for every company you want to comare to complete their respective quote request forms. For example, let’s assume you want to compare rates from Liberty Mutual, State Farm and Farmers. To get rate quotes you would need to go to every website and enter your policy data, which is why the first method is quicker.

For a list of links to insurance companies in your area, click here.

The hardest way of comparing rate quotes is to waste gas driving to local insurance agencies. The internet makes this process obsolete unless you have a need for the professional advice of a local agent. Drivers can get the lowest quotes online and get advice from an agent in your area. We’ll cover that shortly.

It’s up to you how you get prices quotes, just make absolute certain that you use identical coverages for each comparison quote. If you are comparing mixed coverages it’s impossible to find the best deal for your Suzuki Aerio.

Get lower rates on 2005 Suzuki Aerio insurance

Auto insurance companies do not list all available discounts in an easy-to-find place, so we break down both the well known as well as the least known car insurance savings. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Discount for Life Insurance – Select insurance companies reward you with better rates if you take out life insurance from them.
  • Federal Government Employee – Simply working for the federal government may qualify you for a discount on Aerio coverage depending on your company.
  • 55 and Retired – Mature drivers may qualify for a discount up to 10% on Aerio coverage.
  • Club Memberships – Belonging to a civic or occupational organization may earn a discount on car insurance on Aerio coverage.
  • Military Rewards – Being on active duty in the military could be rewarded with lower premiums.

It’s important to note that most discount credits are not given to the entire cost. Most only cut specific coverage prices like comp or med pay. Just because it seems like you would end up receiving a 100% discount, car insurance companies aren’t that generous.

Insurance companies that may have these money-saving discounts include:

It’s a good idea to ask each company which discounts they offer. Discounts may not be available in your area.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions might point out whether or not you may require specific advice.

  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered if my car is in a flood?
  • Is a new car covered when I drive it off the dealer lot?
  • Does insurance cover tools stolen from my truck?
  • Does my insurance cover my expensive audio equipment?
  • Is rental equipment covered for theft or damage?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverages and their meanings

Understanding the coverages of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are the normal coverages found on the average insurance policy.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sustaining damage from a pot hole, scraping a guard rail, hitting a mailbox, driving through your garage door and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Coverage for liability

This coverage protects you from damage or injury you incur to people or other property in an accident. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims like medical services, attorney fees, repair bills for other people’s vehicles, medical expenses and loss of income. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, falling objects, hitting a bird, vandalism and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Suzuki Aerio.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for bills like ambulance fees, funeral costs, rehabilitation expenses, doctor visits and chiropractic care. They are used to fill the gap from your health insurance plan or if you do not have health coverage. They cover you and your occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage