Suzuki Ignis Insurance

What You Should Know about Insurance for Your Suzuki Ignis

(And why you need it)

The modern Suzuki Ignis radiates a fun and sporty vibe. This ultra compact SUV has an impressive array of safety features and was awarded City Car of the Year 2019 by HonestJohn. A wide variety of risks face you every time you get on the road. Is your Suzuki Ignis adequately insured? An independent insurance agent can guide you in selecting the car insurance that is right for you. 

Trusted Choice’s find-an-agent tool will match you up with a local agent ready to help you get the proper auto insurance for your Ignis. 

You’ll need several types of coverage to protect you and your vehicle. 

What Kind of Insurance Do You Need for Your Suzuki Ignis? 

Every time you drive, there’s a possibility of getting into an accident. That’s why it’s crucial to have enough insurance to cover you in a variety of situations. 

There are a wide range of options available, so it’s important to understand why you might need each type of coverage. Not all of them are mandatory, but it’s a good idea to weigh the pros and cons of buying a specific coverage. 

Most states mandate the following:

Bodily injury liability

If you cause an accident and others are injured, this coverage pays out damages for medical treatment and lost wages. 

Property damage liability 

Property damage liability reimburses for damage you cause to another person’s property while driving, like to a car, tree, or fence. 

Additionally, many states require this coverage: 

Medical payments/Personal injury protection pays for medical care and lost wages for you and your passengers in the event of an accident.

Uninsured motorist coverage

If someone without insurance causes an accident and injures you or damages your vehicle, costs can pile up quickly if you don’t carry this kind of insurance. You can also purchase uninsured and underinsured motorist coverage, which kicks in when the other driver’s limits of liability have been met but your damage exceed that number. 

Optional coverage: 

Collision

Collision insurance pays for damage to your car if you have a collision with another vehicle or object.

Comprehensive

If your car suffers damage from an incident like a storm, fire, or falling object, comprehensive insurance pays for the repairs or replacement of your vehicle. 

Glass

Windshield chips and cracks are some of the most common claims. Carrying glass coverage gives you the ability to get a windshield repair or replacement for very little up front (or sometimes no cost at all). 

Gap

You’ll want to strongly consider gap insurance if you owe more on your Ignis than it’s worth. If you were to get into an accident and your car was declared a total loss, gap insurance covers the difference between what you owe and what your vehicle is worth. 

What Affects the Cost of Auto Insurance for Your Suzuki Ignis? 

Your annual mileage

Depending on what you use your car for, your annual mileage may be high or low. If you have a rather long commute, your insurance premiums will be higher than for someone who only drives a few miles each day. 

Your driving record 

If you’ve been in an accident or have had any traffic violations in the past few years, you’ll end up paying more for your auto insurance premiums than someone with a spotless record. Your independent insurance agent can provide information on when your violations will fall off your record. 

The value of your Suzuki Ignis

In general, the more your vehicle is worth, the higher your car insurance premiums will be. A more expensive car means more expensive repairs or potentially an expensive replacement in a total loss situation. 

Average cost of a Suzuki Ignis 
2017$8,910 - $14,850
2018$10,120 - $16,500
2019$11,110 - $17,930
2020$16,690 - $18,990

How location affects the cost of your Suzuki Ignis insurance

Did you know living in a large city increases your premiums? That’s because in more populated areas, there’s a greater chance you could experience issues like accidents or theft. 

How safety affects the cost of your Suzuki Ignis insurance

Safer cars may cost less to insure depending on what safety features they have. During testing, the bare bones Ignis only earned a three out of five-star safety rating from Euro NCAP. However, when the Ignis was outfitted in the SZ5 trim (which includes autonomous emergency braking), it earned a full five-star rating.

Cost of Suzuki Ignis Insurance 

What states are most affordable and least affordable for Suzuki Ignis insurance? 

Estimated annual car insurance premiums in the United States:

Most expensive states:
Louisiana$1,824
Michigan$1,600
Florida$1,596
California$1,588
Rhode Island$1,544
Most affordable states:
North Dakota$428
Ohio$500
North Carolina$520
Idaho$552
Maine$556

How Can You Save on Suzuki Ignis Insurance? 

There are several ways you can save cash on your Ignis insurance policy. Most insurers offer these discounts: 

  • Good student discount
  • Anti-theft device discount
  • Affinity discount
  • Good driver discount
  • Multi-line discount
  • Multi-vehicle discount

Ask your independent insurance agent to advise you on additional ways you might be able to save money on your car insurance. 

Top Insurance Companies in the US 

No two insurance companies are the same. You'll want a company that's reliable, responsive, and trustworthy. The U.S. Independent Insurance Agent Satisfaction Study by JD Power gave the following companies high marks: 

  1. Progressive
  2. Safeco
  3. Travelers
  4. Auto-Owners Insurance

Your agent can guide you in choosing the best company for your needs.

Get a Suzuki Ignis Insurance Quote

There are plenty of perks to working with an independent insurance agent. Your agent has the ability to shop a wide variety of companies to get you the best rate. An independent agent works for you, so you can rest assured your needs are taken care of. Let an independent insurance agent get you a car insurance quote today.

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naic.org, carsguide.com.au, carbuyer.co.uk, JD Power, Statista