Sad but true, a large majority of drivers have stayed with the same insurance company for at least the last four years, and practically 40% of auto insurance customers have never even compared rates from other companies. Many consumers in Baltimore can save $750 each year, but they underestimate the large savings they would see if they replace their high priced policy.
Really, the only way to find more affordable car insurance rates in Baltimore is to start comparing prices yearly from providers who can sell car insurance in Maryland. You can shop around by following these steps.
- Gain an understanding of individual coverages and the things you can control to prevent rate increases. Many risk factors that cause high rates like high-risk driving behaviors and a poor credit rating can be amended by improving your driving habits or financial responsibility. Keep reading for more details to help keep rates affordable and get additional discounts that may be available.
- Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO or Farmers Insurance, while agents who are independent can quote prices from multiple sources.
- Compare the new quotes to your existing coverage to see if a cheaper price is available. If you find a lower rate quote, make sure there is no coverage gap between policies.
The most important part of shopping around is to use identical coverage information on each quote and and to get price estimates from every insurance company. Doing this provides a fair rate comparison and a good representation of prices.
Cheapest auto insurance in Baltimore, MD
The following companies can provide price quotes in Baltimore, MD. To locate cheap auto insurance in Baltimore, it’s highly recommended you compare several of them to get the cheapest price.
Coverage statistics and figures
The coverage information displayed next highlights different prices for Suzuki Kizashi models. Learning as much as possible about how insurance prices are formulated can aid in making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Kizashi S | $338 | $618 | $414 | $24 | $124 | $1,518 | $127 |
| Kizashi S AWD | $382 | $618 | $414 | $24 | $124 | $1,562 | $130 |
| Kizashi SE | $382 | $618 | $414 | $24 | $124 | $1,562 | $130 |
| Kizashi GTS | $382 | $728 | $414 | $24 | $124 | $1,672 | $139 |
| Kizashi SE AWD | $382 | $728 | $414 | $24 | $124 | $1,672 | $139 |
| Kizashi GTS AWD | $382 | $728 | $414 | $24 | $124 | $1,672 | $139 |
| Kizashi SLS | $382 | $728 | $414 | $24 | $124 | $1,672 | $139 |
| Kizashi SLS AWD | $426 | $728 | $414 | $24 | $124 | $1,716 | $143 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Maryland minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rate information does not factor in vehicle location which can revise auto insurance rates noticeably.
Can higher deductibles save money?
When shopping for insurance, a common question is what deductibles to buy. The rates below can help you visualize the price difference when you choose different insurance deductibles. The first rate quote example uses a $100 deductible for physical damage and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Kizashi S | $350 | $632 | $406 | $24 | $122 | $1,559 | $130 |
| Kizashi S AWD | $394 | $632 | $406 | $24 | $122 | $1,603 | $134 |
| Kizashi SE | $394 | $632 | $406 | $24 | $122 | $1,603 | $134 |
| Kizashi GTS | $394 | $744 | $406 | $24 | $122 | $1,715 | $143 |
| Kizashi SE AWD | $394 | $744 | $406 | $24 | $122 | $1,715 | $143 |
| Kizashi GTS AWD | $394 | $744 | $406 | $24 | $122 | $1,715 | $143 |
| Kizashi SLS | $394 | $744 | $406 | $24 | $122 | $1,715 | $143 |
| Kizashi SLS AWD | $440 | $744 | $406 | $24 | $122 | $1,761 | $147 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Kizashi S | $194 | $332 | $406 | $24 | $122 | $1,078 | $90 |
| Kizashi S AWD | $218 | $332 | $406 | $24 | $122 | $1,102 | $92 |
| Kizashi SE | $218 | $332 | $406 | $24 | $122 | $1,102 | $92 |
| Kizashi GTS | $218 | $392 | $406 | $24 | $122 | $1,162 | $97 |
| Kizashi SE AWD | $218 | $392 | $406 | $24 | $122 | $1,162 | $97 |
| Kizashi GTS AWD | $218 | $392 | $406 | $24 | $122 | $1,162 | $97 |
| Kizashi SLS | $218 | $392 | $406 | $24 | $122 | $1,162 | $97 |
| Kizashi SLS AWD | $244 | $392 | $406 | $24 | $122 | $1,188 | $99 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Table data does not factor in the specific area where the vehicle is garaged which can revise premium rates noticeably.
Based on the data above, we can derive that using a $100 deductible will cost you roughly $45 more each month or $540 each year than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 20 months between claim filings, you would most likely save money if you elect the higher deductible.
Accidents and violations increase rates
The chart below shows how violations and at-fault accidents increase Suzuki Kizashi car insurance costs for different insured age categories. The premiums are based on a single male driver, full coverage, $250 deductibles, and no other discounts are factored in.
Save money with these discounts on Suzuki Kizashi insurance in Baltimore
Companies that sell car insurance don’t always advertise every possible discount in an easy-to-find place, so below is a list a few of the more common and the harder-to-find discounts that you can inquire about if you buy Baltimore car insurance online.
- Service Members Pay Less – Being on active duty in the military could trigger a small discount.
- Discounts for Federal Employees – Active or former government employment can earn a discount up to 10% depending on your car insurance provider.
- Sign Early and Save – Select companies give a discount for buying a new policy early. This discount can save up to 10%.
- Senior Citizens – Drivers over the age of 55 could receive a small decrease in premiums.
- Safety Restraint Discount – Buckling up and requiring all passengers to use a seat belt could cut 10% or more off PIP or medical payments premium.
- Discount for Multiple Policies – If you insure your home and vehicles with one insurance company you may earn as much as 10 to 15 percent.
- New Vehicle Savings – Buying insurance on a new vehicle can save you some money due to better safety requirements for newer models.
- Anti-lock Brake System – Vehicles equipped with ABS or steering control have fewer accidents and therefore earn up to a 10% discount.
- Anti-theft Discount – Cars with anti-theft systems can help prevent theft and that can save you a little bit as well.
- Defensive Driver Discount – Completing a class that teaches driver safety techniques can save you 5% or more and make you a better driver.
As a sidenote, most credits do not apply to the entire cost. A few only apply to specific coverage prices like collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, you aren’t that lucky. Any qualifying discounts should help reduce the cost of your policy.
The diagram below illustrates the difference between Suzuki Kizashi insurance rates with and without discounts applied to the policy rates. The costs are based on a female driver, no claims or driving violations, Maryland state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, multi-car, safe-driver, claim-free, and marriage discounts applied.
Companies and some of the discounts can be read below.
- 21st Century may have discounts that include teen driver, automatic seat belts, anti-lock brakes, student driver, driver training, good student, and defensive driver.
- Progressive discounts include continuous coverage, multi-vehicle, online quote discount, good student, online signing, multi-policy, and homeowner.
- State Farm has discounts for Steer Clear safe driver discount, Drive Safe & Save, multiple policy, good driver, accident-free, and multiple autos.
- Nationwide offers premium reductions for anti-theft, family plan, multi-policy, defensive driving, accident-free, and Farm Bureau membership.
- Esurance includes discounts for multi-car, anti-theft, safety device, online quote, paid-in-full, online shopper, and Pac-12 alumni.
- The Hartford offers discounts including driver training, bundle, good student, vehicle fuel type, anti-theft, defensive driver, and air bag.
If you need lower rates, check with every company to give you their best rates. Depending on the company, some discounts may not apply in every state. To see a list of providers with significant discounts in Maryland, click here to view.
Learn How to Buy Car Insurance at a Discount
One of the most helpful ways to save on car insurance is to to have a grasp of some of the elements that help calculate your premiums. When consumers understand what controls the rates you pay, this allows you to make educated decisions that can help you get big savings.
Pay less with a high IIHS safety rating – Vehicles that have high safety ratings are cheaper to insure. Vehicles engineered for safety result in less severe injuries and reduced instances of injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Suzuki Kizashi scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
Cut rates and deter theft – Choosing a vehicle with advanced anti-theft systems can help bring down rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart vehicle theft.
More traffic means higher claims – Living in smaller towns and rural areas of the country is a positive aspect when talking about car insurance. Fewer drivers on the road means less chance of accidents and a lower car theft rate. Urban drivers have to deal with more road rage incidents and higher rates of accident claims. More time behind the wheel translates into higher accident risk.
Add-on coverages can add up – There are many extra add-on coverages that may not really be needed if you aren’t careful. Coverages like replacement cost coverage, towing, and additional equipment coverage may not be needed and are just wasting money. They may seem good when you first buy your policy, but your money might be better spent on other coverage so eliminate them to save money.
Gender as a rate factor – Over the last 50 years, statistics have shown women are more cautious behind the wheel. This data doesn’t prove that males are worse at driving than females. They both are in fender benders at a similar rate, but the male of the species have accidents that have higher claims. Men also statistically have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly.
The diagram below illustrates the comparison of Suzuki Kizashi premium costs for male and female drivers. The rate quotes are based on no claims, a clean driving record, full physical damage coverage, $250 deductibles, single marital status, and no additional discounts are factored in.
More miles equals more premium – The more you drive in a year’s time the more it will cost to insure it. Most companies charge to insure your cars based on how the vehicle is used. Cars that have low annual miles qualify for better rates than those used for commuting. Make sure your declarations sheet shows annual mileage. Incorrect rating for your Kizashi can result in significantly higher rates.
The higher your credit history the lower your costs – Having a bad credit score is a large factor in determining premium rates. People with good credit tend to be better drivers and file fewer claims than drivers with bad credit. Therefore, if your credit score is low, you may save money insuring your Suzuki Kizashi if you improve your credit rating.
Local Baltimore insurance agents and car insurance
Some consumers just prefer to talk to an insurance agent. Professional insurance agents will help you protect your assets and help you file claims. A nice benefit of price shopping on the web is the fact that you can find cheaper auto insurance rates and still buy from a local agent. And buying from local agents is important especially in Baltimore.
To help locate an agent, after submitting this form (opens in new window), the coverage information is immediately sent to companies in Baltimore who will return price quotes for your coverage. There is no need to find an agent because quoted prices will be sent directly to your email. If you need to get a price quote for a specific company, you would need to visit that company’s website and give them your coverage information.
Two types of Baltimore car insurance agents
If you want a reputable agency, it’s important to understand the different types of agencies and how they are distinctly different. Car insurance agents can be described as either independent or exclusive. Both can insure your vehicles, but it is a good idea to know the differences since it could factor into the selection process.
Independent Car Insurance Agents (or Brokers)
Independent agents are appointed with more than one company so they have the ability to put coverage with an assortment of companies depending on which coverage is best. If they find a cheaper price, they can switch companies in-house and you stay with the same agent.
If you are comparing rate quotes, we highly recommend that you get rate quotes from a couple of independent agencies to ensure the widest selection of prices. They often place coverage with smaller mutual companies which can save you money.
The following are Baltimore independent insurance agents who can help you get cheap rate quotes.
- Nationwide Insurance: Rodgers Insurance Agency Inc
6800 Holabird Ave a – Baltimore, MD 21222 – (410) 282-1379 – View Map - Nationwide Insurance: Robert Frank Stastny
6822 Harford Rd – Baltimore, MD 21234 – (410) 254-1500 – View Map - Nationwide Insurance: Bruce Cohee Agency Inc
502 Baltimore Ave – Towson, MD 21204 – (410) 823-8777 – View Map
Exclusive Insurance Agencies
Exclusive insurance agents can only write with one company and some examples include State Farm, AAA, and Liberty Mutual. Exclusive agents cannot provide rate quotes from other companies so you might not find the best rates. Exclusive insurance agents are well trained on the products they sell and that enables them to sell even at higher rates. Some insured continue to use the same agent mostly because of the brand legacy and the convenience of having a single billing for all their coverages.
Below is a list of exclusive insurance agents in Baltimore who can help you get price quotes.
- Charmaine Barnes – State Farm Insurance Agent
900 S Ellwood Ave – Baltimore, MD 21224 – (410) 675-1900 – View Map - Allstate Insurance: John Fisher
7839 Eastpoint Mall Ste 4 – Baltimore, MD 21224 – (410) 285-8200 – View Map - Allstate Insurance Agency: Abernathy Michael
7696 Belair Rd – Baltimore, MD 21236 – (410) 426-5500 – View Map
Selecting an auto insurance agent should include more criteria than just a cheap quote. Here are some questions you might want to ask.
- How often do they review policy coverages?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Is auto insurance their primary focus in Baltimore?
- How many years of experience in personal auto insurance do they have?
- How will an accident affect your rates?
Baltimore auto insurance company ratings
Selecting the highest-rated car insurance company is hard considering how many companies sell insurance in Baltimore. The information listed below can help you pick which companies you want to consider comparing rates with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
A conclusion for your auto insurance search
Discount Suzuki Kizashi insurance in Baltimore can be bought online as well as from independent agents in Baltimore, and you should compare price quotes from both in order to have the best chance of saving money. A few companies may not provide the ability to get quotes online and most of the time these small, regional companies only sell coverage through independent insurance agents.
We just showed you some good ideas how you can get a better price on Suzuki Kizashi insurance in Baltimore. The key thing to remember is the more companies you get premium rates for, the higher your chance of finding low cost Baltimore car insurance quotes. You may even be surprised to find that the biggest savings come from the least-expected company.
When getting Baltimore car insurance quotes online, it’s a bad idea to buy lower coverage limits just to save a few bucks. Too many times, an insured cut liability limits or collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The aim is to buy a smart amount of coverage at the best cost, but do not skimp to save money.
Additional resources
- Distracted Driving Statistics (Insurance Information Institute)
- Who Has Affordable Auto Insurance Rates for Drivers Over Age 50 in Baltimore? (FAQ)
- How Much is Auto Insurance for Handicapped Drivers in Baltimore? (FAQ)
- How Much is Auto Insurance for College Graduates in Baltimore? (FAQ)
- Credit Impacts Car Insurance Rates (State Farm)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- What are my Rights when Filing a Claim? (Insurance Information Institute)