Affordable Insurance for a Suzuki Aerio in Los Angeles

Insurance rates Suzuki Aerio in Los AngelesWant to learn how to buy low-cost auto insurance rates in Los Angeles, CA? Los Angeles shoppers have many options when shopping for affordable Suzuki Aerio insurance. You can either waste hours contacting agents to compare prices or utilize the internet to compare rates. There is a right way and a wrong way to shop for auto insurance and we’ll show you the quickest way to price shop coverage on a Suzuki and obtain the cheapest rates.

The companies in the list below are our best choices to provide price comparisons in California. If multiple companies are shown, we suggest you visit several of them in order to get a fair rate comparison.

Auto insurance discounts are available for cheaper rates

Car insurance companies don’t always publicize their entire list of discounts very well, so the list below details a few of the more common as well as some of the hidden credits available to you.Auto insurance discounts

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to all coverage premiums. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, it just doesn’t work that way.

Companies and the discounts they provide are:

If you want the cheapest Suzuki Aerio rate quotes, ask every prospective company which discounts can lower your rates. A few discounts might not be available to policyholders in your state. To see insurance companies with significant discounts in Los Angeles, click here.

Buying auto insurance from Los Angeles insurance agents

Certain consumers still like to have an agent’s advice and that is OK! Licensed agents can help you choose the best coverages and help file insurance claims. A nice benefit of comparing rates online is that drivers can save money and get cheap auto insurance rates and still have a local agent.

To find an agent, once you fill out this simple form, the quote information is immediately sent to local insurance agents that can provide free Los Angeles auto insurance quotes for your coverage. There is no reason to leave your computer because prices are sent straight to your inbox. If you want to compare rates from a particular provider, you can always jump over to their website and fill out their quote form.

Selecting an company shouldn’t rely on just a low price. Below are some questions you should ask.

If you’re trying to find an insurance agent, it’s helpful to know the types of insurance agents and how they can service your needs differently. Insurance agencies in Los Angeles can be described as either exclusive agents or independent agents. Either one can properly insure your vehicles, but it’s good to learn the difference in how they write coverage since it could factor into which agent you choose.

Exclusive Insurance Agents

These agents can only provide pricing for a single company and some examples include State Farm, AAA, Farmers Insurance or Allstate. They are unable to shop your coverage around so you might not find the best rates. Exclusive agents receive a lot of sales training on the products they sell which aids in selling service over price. Some people will only use the same exclusive agent mainly due to the brand and the convenience of having a single billing for all their coverages.

The following is a short list of exclusive agencies in Los Angeles that can give you price quotes.

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Independent Agencies or Brokers

Independent agents do not write with just one company so as a result can place your coverage through many companies and help determine which has the cheapest rates. If your agent finds better pricing, they can switch companies in-house and you won’t have to switch agencies.

When comparing rates, you will definitely want to get quotes from a couple of independent agencies to ensure the widest selection of prices. Most have the option of insuring with small mutual carriers which may provide better rates.

Below is a short list of independent agents in Los Angeles willing to provide rate quotes.

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Car insurance in California serves several purposes

Despite the high insurance cost for a Suzuki Aerio in Los Angeles, insuring your vehicle is required in California but also provides important benefits.

The benefits of insuring your car are definitely more than the cost, especially if you ever need it. Despite what companies tell you, the average driver is overpaying over $810 a year so it’s very important to do a rate comparison at every renewal to make sure the price is not too high.

Insurance coverage options for a Suzuki Aerio

Knowing the specifics of your insurance policy helps when choosing which coverages you need for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your Suzuki Aerio.

Since many California drivers only purchase the least amount of liability that is required (California limits are 15/30/5), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.


Liability coverage protects you from damage or injury you incur to people or other property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

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 policy limits of 15/30/5 that means you have $15,000 bodily injury coverage, a per accident bodily injury limit of $30,000, and a total limit of $5,000 for damage to vehicles and property.

Liability coverage protects against claims like legal defense fees, repair costs for stationary objects, medical expenses and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible. California state law requires minimum liability limits of 15/30/5 but you should think about purchasing higher limits.

The illustration below demonstrates why minimum state limits may not provide you with enough coverage.

Comprehensive insurance

This will pay to fix 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 hitting a bird, fire damage, a tree branch falling on your vehicle, falling objects and damage from flooding. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision insurance

Collision coverage pays for damage to your Aerio caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like colliding with a tree, backing into a parked car and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible on your Aerio to bring the cost down.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for bills such as prosthetic devices, dental work and EMT expenses. They are used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Be persistent and save

Cheaper insurance in Los Angeles is available online as well as from insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies don’t offer the ability to get quotes online and most of the time these regional carriers work with independent agents.

Insureds switch companies for a variety of reasons including policy non-renewal, lack of trust in their agent, delays in paying claims and high rates after DUI convictions. It doesn’t matter what your reason, finding a great new company is easier than you think.

As you shop your coverage around, you should never reduce needed coverages to save money. Too many times, drivers have reduced physical damage coverage to discover at claim time they didn’t have enough coverage. Your strategy should be to find the BEST coverage at a price you can afford but still have enough coverage for asset protection.

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