Suzuki Aerio Insurance – 7 Tricks to Save Money

Nobody I know looks forward to paying for auto insurance, in particular when their premiums are too high.

Numerous insurers battle to insure your vehicles, so it’s not easy to compare every insurance company to get the lowest price

Save money by taking advantage of these seven discounts

Auto insurance companies don’t necessarily list all their discounts in an easy-to-find place, so we researched some of the best known and the harder-to-find auto insurance savings.

• 55 and Retired – If you’re over the age of 55, you may be able to get a small decrease in premiums for Aerio insurance.
• No Charge for an Accident – Certain companies will forgive one accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
• Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
• Safety Course Discount – Taking part in a course teaching defensive driving skills can save you 5% or more if you qualify.
• Employee of Federal Government – Employees or retirees of the government may qualify you for a discount for Aerio insurance with select insurance companies.
• Multi-car Discount – Having more than one vehicle with the same company may reduce the rate for each vehicle.
• Homeowners Discount – Owning a home may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. Most only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, auto insurance companies aren’t that generous.

To choose companies offering auto insurance discounts, follow this link.

Parts of your auto insurance policy

Having a good grasp of your policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. These are typical coverage types offered by auto insurance companies.

Collision coverages – Collision coverage covers damage to your Aerio from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as damaging your car on a curb, crashing into a building and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Liability – Liability insurance will cover damage that occurs to other people or property 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. As an example, you may have limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers things like pain and suffering, legal defense fees, attorney fees, court costs and loss of income. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Medical expense coverage – Coverage for medical payments and/or PIP kick in for immediate expenses like chiropractic care, nursing services, hospital visits, doctor visits and funeral costs. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, damage from flooding, vandalism and a broken windshield. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured or underinsured coverage – This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Suzuki Aerio.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Final considerations

We just showed you a lot of techniques to compare Suzuki Aerio insurance prices online. The most important thing to understand is the more price quotes you have, the better likelihood of reducing your rate. You may even find the lowest rates come from an unexpected company. These companies may cover specific market segments cheaper compared to the large companies like Progressive or GEICO.

As you shop your coverage around, make sure you don’t sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped uninsured motorist or liability limits only to discover later they didn’t purchase enough coverage. The aim is to buy enough coverage at an affordable rate.