Astonishing but true, a large majority of auto insurance policyholders in Texas have bought auto insurance from the same company for at least four years, and nearly the majority have never shopped around. Most drivers in the U.S. can save hundreds of dollars each year by just shopping around, but they won’t spend time to find affordable rates by getting comparison quotes.
Really, the only way to find low-cost prices for car insurance rates in Dallas is to compare quotes once a year from different companies that sell auto insurance in Texas.
- First, get an understanding of car insurance and the measures you can take to prevent rate increases. Many things that result in higher rates such as inattentive driving and poor credit can be improved by making minor changes to your lifestyle. Later in this article we will cover more details to find cheap rates and get additional discounts that may be available.
- Second, request rate estimates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from one company like Progressive or Farmers Insurance, while independent agencies can provide prices for many different companies. Start a quote
- Third, compare the new rate quotes to your current policy to determine if switching companies saves money. If you find a lower rate and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
The key thing to remember is to make sure you enter similar coverage information on each quote and and to get rate quotes from as many companies as you can. This enables the most accurate price comparison and a complete price analysis.
Most of the larger companies allow consumers to get coverage prices from their websites. Doing online quotes for Suzuki Kizashi insurance in Dallas is pretty easy as all you need to do is type in your coverage information into a form. After the form is submitted, the quote system gets your driving and credit reports and provides a quote based on many factors.
Getting online quotes for Suzuki Kizashi insurance in Dallas streamlines rate comparisons, and it’s necessary to do this if you want to find the best possible rates on insurance.
To save time and compare rates using this form now, compare rates now from the companies shown below. If you have your current policy handy, we recommend you complete the form with coverages and limits exactly as shown on your declarations page. This guarantees you are getting rate quotes using the same coverage and limits.
The car insurance companies shown below can provide free rate quotes in Dallas, TX. If multiple companies are listed, we recommend you compare several of them to find the most competitive car insurance rates.
Analysis of Suzuki Kizashi rates
The premium table shown next covers detailed analysis of insurance coverage prices for Suzuki Kizashi models. Having a good grasp of how policy rates are established can help customers make smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Kizashi S | $364 | $728 | $514 | $30 | $154 | $1,790 | $149 |
| Kizashi S AWD | $410 | $728 | $514 | $30 | $154 | $1,836 | $153 |
| Kizashi SE | $410 | $728 | $514 | $30 | $154 | $1,836 | $153 |
| Kizashi GTS | $410 | $858 | $514 | $30 | $154 | $1,966 | $164 |
| Kizashi SE AWD | $410 | $858 | $514 | $30 | $154 | $1,966 | $164 |
| Kizashi GTS AWD | $410 | $858 | $514 | $30 | $154 | $1,966 | $164 |
| Kizashi SLS | $410 | $858 | $514 | $30 | $154 | $1,966 | $164 |
| Kizashi SLS AWD | $458 | $858 | $514 | $30 | $154 | $2,014 | $168 |
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rate information does not factor in the specific area where the vehicle is garaged which can affect coverage prices noticeably.
Where to set your deductibles
One frequently asked question is at what level do you set your deductibles. The following tables can help show the rate fluctuation between low and high coverage deductibles. The first table uses a $250 physical damage coverage deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Kizashi S | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Kizashi S AWD | $332 | $496 | $382 | $22 | $114 | $1,371 | $114 |
| Kizashi SE | $332 | $496 | $382 | $22 | $114 | $1,371 | $114 |
| Kizashi GTS | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Kizashi SE AWD | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Kizashi GTS AWD | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Kizashi SLS | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Kizashi SLS AWD | $370 | $584 | $382 | $22 | $114 | $1,497 | $125 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Kizashi S | $182 | $312 | $382 | $22 | $114 | $1,012 | $84 |
| Kizashi S AWD | $206 | $312 | $382 | $22 | $114 | $1,036 | $86 |
| Kizashi SE | $206 | $312 | $382 | $22 | $114 | $1,036 | $86 |
| Kizashi GTS | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Kizashi SE AWD | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Kizashi GTS AWD | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Kizashi SLS | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Kizashi SLS AWD | $228 | $368 | $382 | $22 | $114 | $1,114 | $93 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Table data does not factor in zip code location which can modify rates greatly.
Based on this data, using a $250 deductible costs an average of $30 more each month or $360 for a full year across all Suzuki Kizashi models than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 25 months between claims, you would save more money if you choose a higher deductible. Below is the way this decision is made.
| Average monthly premium for $250 deductibles: | $119 |
| Average monthly premium for $1,000 deductibles (subtract): | – $89 |
| Monthly savings from raising deductible: | $30 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $30 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 25 months |
Will just any policy work for me?
When selecting the best car insurance coverage, there really is not a “best” method to buy coverage. Every situation is different so your insurance should reflect that
Here are some questions about coverages that might help in determining whether or not you might need professional guidance.
- What exactly is covered by my policy?
- Does my medical payments coverage pay my health insurance deductible?
- Can I make deliveries for my home business?
- Do I have newly-acquired coverage?
- How do I file an SR-22 for a DUI in Texas?
- Should I rate my Suzuki Kizashi as pleasure use or commute?
- Am I covered if I crash into my own garage door?
- How much liability do I need to cover my assets?
- Is extra glass coverage worth it?
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.
You may require the services of an agent
A small number of people just prefer to talk to a local agent and doing that can be a smart decision Licensed agents can help you build your policy and give you someone to call. One of the best bonuses of price shopping on the web is that you can find cheaper rates but also keep your business local.
Upon completion of this quick form, your insurance data is instantly submitted to participating agents in Dallas that give free quotes and help you find cheaper coverage. You don’t have to even leave your home since price quotes are sent immediately to your email address. If you wish to get a comparison quote from a particular provider, just navigate to their website to submit a rate quote request.
Picking a provider needs to be determined by more than just the price. Here are some questions you might want to ask.
- Are aftermarket or OEM parts used to repair vehicles?
- Is the agency involved in supporting local community causes?
- Do you need full coverage on every vehicle?
- Is the agent and/or agency licensed to do business in Texas?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
How to choose the best car insurance agent in Dallas
When researching a local agent, you need to know there are two types of insurance agents and how they differ in how they quote coverages. Insurance agents in Dallas are either independent agents or exclusive agents. Either one can do a good job, but it’s worth learning the difference in the companies they write for since it can affect the kind of agent you use.
Exclusive Insurance Agents
Agents that elect to be exclusive work for only one company and examples are American Family, State Farm, and AAA. They are unable to place coverage with different providers so they have to upsell other benefits. Exclusive agents are usually well trained on their company’s products and that can be a competitive advantage. Consumers often buy from the same agent for years partially due to the brand rather than low rates.
The following are exclusive agencies in Dallas willing to provide comparison quotes.
- Todd Schara – State Farm Insurance Agent
516 S Hampton Rd #140 – Dallas, TX 75208 – (214) 943-7500 – View Map - Richard Ramirez – State Farm Insurance Agent
9400 N Central Expy #120 – Dallas, TX 75231 – (214) 320-3000 – View Map - Roxy Brown – State Farm Insurance Agent
12640 E Northwest Hwy, Ste 408 – Dallas, TX 75228 – (972) 681-6128 – View Map
Independent Agents
Agents that elect to be independent are not limited to a single company so they can insure your vehicles with an assortment of companies and find you cheaper rates. If your agent finds better pricing, the agent simply finds a different carrier and you stay with the same agent.
When comparing insurance prices, we highly recommend that you compare quotes from several independent agencies to have the best price comparison. Most also have access to companies you’ve never heard of which may provide better rates.
Below are Dallas independent agents that are able to give price quote information.
- Nationwide Insurance: The Rod Hanks Agency Inc
6300 Samuell Blvd #05 – Dallas, TX 75228 – (214) 275-8372 – View Map - Steven Graves Insurance
11300 N Central Expy #430 – Dallas, TX 75243 – (214) 599-0808 – View Map - The Phoenix Insurance
11615 Forest Central Dr #103 – Dallas, TX 75243 – (214) 253-0570 – View Map