Car Insurance Rates for a Suzuki Forenza in Los Angeles

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Being forced to pay for overpriced insurance premiums can bottom out your personal savings and put the squeeze on your family's finances.

Insurance quote for Suzuki Forenza in Los AngelesEveryone knows that insurance companies don't want you to look for cheaper rates. Drivers who shop around for the cheapest price will most likely move their business because there is a high probability of getting low-cost coverage. A survey found that drivers who compared rates once a year saved $3,500 over four years compared to people who don't make a habit of comparing rates.

If finding the most affordable auto insurance in Los Angeles is your ultimate goal, then having an understanding of how to get price quotes and compare insurance can help you be more efficient.

Numerous insurers battle for your business, so it's not easy to compare every provider and get the definite best price available on Suzuki Forenza insurance in Los Angeles.

Affordable car insurance in Los Angeles, CA

The providers in the list below have been selected to offer free rate quotes in California. If more than one company is shown, we suggest you visit several of them to get the best price comparison.

Save money on Suzuki Forenza insurance in Los Angeles with these discounts

Auto insurance is expensive, but there may be some discounts that you may not even know about. Many discounts should be triggered at the time of quoting, but once in a while a discount must be specifically requested in order for you to get them.Discount auto insurance

  • Discounts for New Vehicles - Buying a new car model can cost up to 25% less compared to insuring an older model.
  • Safety Course Discount - Passing a defensive driving course could save 5% or more if you qualify.
  • Pay Upfront and Save - If paying your policy premium upfront rather than spreading payments over time you could save 5% or more.
  • Good Students Pay Less - A discount for being a good student can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Data Collection Discounts - People who choose to allow driving data collection to look at vehicle usage by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they have good driving habits.
  • Drive Less and Save - Low mileage vehicles could qualify for cheaper prices.
  • No Claims - Insureds who avoid accidents and claims can earn big discounts when compared with policyholders that have many claims.
  • First Accident Forgiveness - This one isn't a discount, but some insurance companies will allow you to have one accident without getting socked with a rate hike with the catch being you have to be claim-free for a specific time period.
  • Military Discounts - Being deployed in the military could qualify you for better auto insurance rates.

Don't be surprised that most of the big mark downs will not be given to your bottom line cost. Most only apply to individual premiums such as liability, collision or medical payments. So even though you would think it's possible to get free car insurance, auto insurance companies aren't that generous.

A few companies who might offer most of the discounts above include:

It's a good idea to ask every company which discounts you qualify for. Discounts might not be offered in Los Angeles. For a list of providers with the best Suzuki Forenza insurance discounts in Los Angeles, click this link.

How to Lower Your Insurance Premiums

Lots of factors are used in the calculation when you get a price on insurance. Some are obvious like your driving record, but other factors are less apparent such as your credit history or your vehicle rating.

The factors shown below are some of the factors utilized by car insurance companies to help set your rates.

Gender and auto insurance - Over time, data shows that females take fewer risks when driving. The data does not necessarily mean that men are worse drivers. Females and males have at-fault accidents at a similar rate, but males cause more damage. Not only are claims higher, but men get more serious tickets like DUI and reckless driving.

Bump up comp and collision deductibles to lower rates - Physical damage insurance, also called comprehensive and collision insurance, covers your vehicle from damage. Some coverage claims could be a windshield shattered by a rock, flood damage, and damage caused by flying debris. Comprehensive and collision coverage deductibles are the amount of money the insured will be required to pay in the event of a claim. The more you are required to pay out-of-pocket, the bigger discount you will receive.

Deter theft and save money - Purchasing a vehicle that has a built-in theft deterrent system can save you a little every year. Theft deterrent systems like OnStar, LoJack tracking, and tamper alarms all aid in stopping your vehicle from being stolen.

Drivers with excellent credit save on auto insurance - Having a bad credit history is likely to be a major factor in determining your rates. Therefore, if your credit can be improved, you could potentially save money when insuring your Suzuki Forenza if you improve your credit rating. Insureds that have high credit scores tend to be more responsible than drivers who have lower ratings.

Only buy extra coverages you need - There are a lot of additional coverages that sound like a good idea at the time on your Forenza policy. Things like replacement cost coverage, high-cost glass coverage, and motor club memberships could be just wasting money. These coverages may sound good when talking to your agent, but if they're wasting money eliminate the coverages to reduce your premium.

Choose high safety ratings and save - Safe vehicles tend to have lower insurance rates. Highly rated vehicles reduce injuries and reduced instances of injuries means your insurance company pays less and cheaper rates on your policy. If your Suzuki has at least an "acceptable" rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.

Will just any policy work for me?

Always remember that when buying the right insurance coverage, there is no one-size-fits-all type of policy. You are unique and your policy should reflect that.Higher deductibles save money These are some specific questions can aid in determining whether you could use an agent's help.

  • How do I insure my teen driver?
  • Will my insurance pay for OEM parts?
  • Do I really need UM/UIM coverage?
  • Who does medical payments coverage extend to?
  • What is the premium to book value ratio for dropping full coverage?
  • How much will a speeding ticket raise my rates?
  • Should I rate my Suzuki Forenza as pleasure use or commute?
  • Is my cargo covered for damage or theft?
  • What are good deductibles for a Suzuki Forenza?

If you don't know the answers to these questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

You may need advice from an insurance agent

A small number of people would prefer to talk to a local agent and that can be a smart move A nice benefit of getting free rate quotes online is that drivers can save money and get cheap car insurance quotes but still work with a licensed agent.

Find insurance agent in Los AngelesAfter filling out this simple form, the coverage information is immediately sent to insurance agents in Los Angeles who will return price quotes for your business. You never need to find an agent since price quotes are sent to you. You can most likely find cheaper rates without a big time investment. In the event you want to compare rates from a specific car insurance provider, you would need to find their quoting web page and give them your coverage information.

Selecting a company should depend on more than just a cheap quote. You should also get answers to these questions.

  • What companies can they write with?
  • Will high miles depreciate repair valuations?
  • Do they write coverage based solely on cost?
  • Are they in the agency full-time?
  • Has the agent ever had any license suspensions?
  • Did they already check your driving record and credit reports?
  • Which insurance company do they prefer to write with?
  • Do they see any coverage gaps in your plan?

How to choose the best auto insurance agent in Los Angeles

If you want to use a reputable agency, it's helpful to know the different agency structures and how they operate. Car insurance agents in Los Angeles may be either exclusive or independent agents depending on their company appointments.

Exclusive Agents

Agents in the exclusive channel can only provide pricing for a single company like Allstate, Farmers Insurance or State Farm. They generally cannot compare rates from other companies so always compare other rates. Exclusive insurance agents are trained well on their products and sales techniques which helps them sell on service rather than price.

Below are Los Angeles exclusive agencies who may provide you with comparison quotes.


767 N Hill St,109 - Los Angeles, CA 90012 - (213) 621-2526 - View Map


1063 Colorado Blvd - Los Angeles, CA 90041 - (323) 258-5801 - View Map


5683 York Blvd - Los Angeles, CA 90042 - (323) 892-2880 - View Map

View more agents

Independent Agents (or Brokers)

Independent agents are not employed by any specific company so as a result can place your coverage through many companies and get the cheapest rates. If prices rise, your agent can switch companies and you stay with the same agent.

When comparing rates, you need to contact several independent agencies to get the most accurate price comparison.

Listed below are Los Angeles independent agents who can help you get price quote information.


6108 Venice Blvd - Los Angeles, CA 90034 - (310) 451-4943 - View Map


11639 Chenault St - Los Angeles, CA 90049 - (310) 909-6135 - View Map


1905 S Western Ave #19 - Los Angeles, CA 90018 - (310) 215-9991 - View Map

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Auto insurance savings summarized

The cheapest Suzuki Forenza insurance in Los Angeles is definitely available both online in addition to local insurance agencies, so you should compare both in order to have the best chance of saving money. A few companies may not offer the ability to get a quote online and usually these smaller companies only sell through independent agents.

We've covered many ways to shop for Suzuki Forenza insurance online. The key thing to remember is the more times you quote, the higher your chance of finding low cost Los Angeles auto insurance quotes. You may even discover the lowest prices are with a small local company. Some small companies can often provide lower rates in certain areas as compared to the big name companies such as Progressive and GEICO.

While you're price shopping online, make sure you don't reduce needed coverages to save money. There have been many situations where an insured cut uninsured motorist or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase plenty of coverage at the best price and still be able to protect your assets.

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