How much would car insurance cost for a Changhe-Suzuki Ideal?

Changhe-Suzuki Ideal insurance costs less than insurance for the average vehicle. Key factors that influence rates are the make, model, and year of the car.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 25, 2020

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Here's what you need to know...

  • The Changhe-Suzuki Ideal costs less to insure than the average vehicle.
  • Your individual demographics will factor into your insurance premiums.
  • It is always a wise decision to comparison shop for car insurance.


Thinking about stepping behind the wheel of the Changhe-Suzuki Ideal, a city car with international sensibilities and a solid track record? There are many new drivers who might be asking the question, how much would car insurance cost for a Changhe-Suzuki Ideal vehicle?

The first thing you may notice about the Changhe-Suzuki Ideal is its unusual appearance. It is like a cross between a box car and mini-van.

Take a closer look, though, and you will see nice features like a roomy interior, new safety technology such as airbags and antilock brakes, as well as a lower than average sales price. If you are looking to buy one of these cars the question currently on your mind is…

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How much would car insurance cost for a Changhe-Suzuki Ideal with my policy?

The answer to that question isn’t a simple one-fits-all figure. Your car insurance rates are going to be decided based on statistics, meaning each quote will be different for each person. However, key factors also include:

  • the make
  • the model
  • the year of your car

If you get a speed demon of a sports car, well-known for use in racing, speeding, and attracting young drivers (and ok, the young at heart too!), you are going to pay a higher price for the insurance company’s confidence.

They are taking a risk by covering you and hoping that you are not going to cost them big money. However, if you buy a practical car and one with many safety features, like the Changhe-Suzuki Ideal, the insurance companies tend to offer lower rates.

Just because you drive a safe car does not guarantee you will be paying low premiums. You can be ordered to pay numerous speeding tickets in any type of car and with each ticket you receive, your rates will increase.

Following the rules of the road can help to ensure you keep your premiums affordable.

Most recently, the Ideal was designed in 2006 and received a new interior, new lights, and a new grill. It is a five-speed manual car (usually a good thing for insurance) and comes in a four cylinder either 1.1 L I4 engine or a 1.4 L14.

An electric version of this car was featured at the 2008 British International Motor Show. It was called the NICE Ze-O.

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What other factors will impact my car insurance cost for a Changhe-Suzuki Ideal?

Following the basics can help reduce your risk of receiving a traffic ticket or a fender bender. These basics include:

  • always buckling up
  • not speeding
  • not texting or talking on your cell phone while driving
  • using your turn signals when appropriate

Speaking of fender benders, you may already know that the number of claims you make affects the rate you pay, so try to slow down, pay attention, and never drive when you have been drinking or are feeling groggy.

If you find yourself with a minor blemish on your driving record you may want to speak to your car insurance company about what you can do to get back to a good standing and lower your rates.

Some companies will lower your rates if you attend a safe driving course. It doesn’t hurt to ask; a little of your time could save you a lot of money!

Other statistics will also play a role in determining your premium, some of which you can control and some of which you cannot. Things such as age, gender, and marital status are used in rate calculations and there is usually not a lot you can do about these factors.

How does age affect auto insurance rates? Drivers under the age of 25 tend to pay a larger sum, with young male drivers usually paying the highest rates. If you keep a clean driving record, you will soon find your rates getting lower, so hang in there, younger drivers!

Things you may have control over that affect your rates include:

  • Your credit score
  • The amount of time you spend on the road
  • Your location whether the city or the country
  • The number of drivers and vehicles on your policy

You may not be able to pick up your life and move, but it is worth considering that the area in which you live in affects your rates. If you are in the country you don’t have to worry about theft or vandalism nearly as much as you do when you live in a big city.

If you do live in a big city you can ask your insurance provider what you can do to lower your rates by ways of safety.

Keeping your car in a garage, having alarms and other anti-theft devices installed, and limiting your amount of driving may all help lower your premiums.

What are the factors that impact my rates for a Changhe-Suzuki Ideal?

The most important factors in keeping your rates reasonable have to do with finding a quality provider and choosing the right type of coverage. Inexpensive cars like the Changhe-Suzuki Ideal are a start in the right direction.

However, understanding what you want to be covered and what you don’t want to be covered can stop you from paying for unnecessary protection.

Remember to comparison shop and read over your policy carefully. Look at the rates of competing insurance companies, for the Changhe-Suzuki Ideal, so you gain a better perspective of the market price for Ideal insurance.

Changhe-Suzuki Ideal is a fantastic city car and one of the best ventures by both Chinese and Japanese auto builders. Depending on your driving record and other previously mentioned factors, this vehicle could be a good candidate for cheap insurance.

Work on these factors so you can keep your premiums low and enjoy the ride! Now that you know how much would car insurance cost for a Changhe-Suzuki Ideal, why not enter your zip code and start using comparison shopping?

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