Cheap 1990 Suzuki Samurai Insurance Cost

Having to pay for overpriced insurance coverage can overdraw your personal savings and make it hard to pay other bills. Doing a price comparison is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away.

Big companies like State Farm, Farmers Insurance, Geico and Allstate all claim big savings, bombarding you with ad campaigns and consumers find it hard to see past the geckos and flying pigs and find the best price available.

Fast and Easy Auto Insurance Quotes

There are several ways you can shop for Suzuki Samurai auto insurance but some are more efficient than others. You can spend countless hours driving to insurance agencies in your area, or you can utilize the internet to get the quickest rates.

Most major companies enroll in a system where insurance shoppers only type in their quote data once, and every company then gives them pricing determined by their information. This saves time by eliminating quotation requests to each company.

To find out how much you can save on auto insurance click here to start a free quote.

The only drawback to comparing rates this way is you cannot specify the insurers you will receive quotes from. So if you prefer to pick from a list of companies to compare prices, we have a page of companies who write auto insurance in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just compare apples-to-apples coverages for every quote you compare. If you compare differing limits it’s impossible to truly determine the lowest rate. Slightly different limits can result in a big premium difference. And when quoting auto insurance, remember that comparing more company’s prices will increase your chances of finding the best price.

Discounts are available to cut your rates

Auto insurance companies do not list all their discounts very well, so here is a list some of the best known and the harder-to-find insurance coverage savings.

  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.
  • No Claims – Claim-free drivers pay much less compared to bad drivers.
  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class in school.
  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Some only reduce individual premiums such as comp or med pay. So when the math indicates it’s possible to get free car insurance, it just doesn’t work that way.

Insurance companies who might offer these money-saving discounts include:

Before buying, ask each insurance company which discounts you may be entitled to. Savings may not apply everywhere.

Suzuki Samurai rates are in the details

Smart consumers have a good feel for the factors that help determine your auto insurance rates. When you know what positively or negatively influences your rates allows you to make educated decisions that could result in big savings.

The following are a few of the “ingredients” companies use to determine premiums.

  • How’s your driving record? – Whether or not you get tickets has a big impact on rates. Drivers who don’t get tickets receive lower rates than people who have multiple driving citations. Even a single ticket can bump up the cost by twenty percent. Drivers with severe tickets such as DUI or reckless driving are required to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.
  • With age comes lower rates – Older drivers are more cautious drivers, tend to cause fewer accidents and receive fewer citations. Youthful drivers are statistically proven to get distracted easily behind the wheel therefore auto insurance rates are much higher.
  • Don’t skimp on liability – Your policy’s liability coverage provides coverage if ever you are found liable for causing damage or personal injury in an accident. Liability provides for a legal defense starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
  • More than one policy can earn a discount – Most companies provide better rates to customers who carry more than one policy such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, you may still want to compare other company rates to confirm you are receiving the best rates possible. You may still be able to find a better deal by buying insurance from more than one company.

Everyone needs different coverages

When it comes to buying the right insurance coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. These are some specific questions might help in determining if your situation might need an agent’s assistance.

  • When should my teen driver be added to my policy?
  • Does medical payments coverage apply to all occupants?
  • Do I need PIP coverage since I have good health insurance?
  • What is medical payments coverage?
  • Should I rate my 1990 Suzuki Samurai as pleasure use or commute?
  • When do I need to add a new car to my policy?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Auto insurance policy specifics

Having a good grasp of your auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types found on most auto insurance policies.

Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a broken windshield, rock chips in glass and damage from flooding. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage – This coverage will pay to fix damage to your Samurai from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like sustaining damage from a pot hole, rolling your car, scraping a guard rail, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Uninsured or underinsured coverage – This gives you protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Suzuki Samurai.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical expense coverage – Med pay and PIP coverage kick in for immediate expenses for hospital visits, nursing services and ambulance fees. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Liability auto insurance – This will cover damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as pain and suffering, funeral expenses and structural damage. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

In Summary

As you restructure your insurance plan, you should never skimp on critical coverages to save a buck or two. In many cases, an insured dropped full coverage only to find out that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage for the lowest price.

You just learned many ideas to lower your 1990 Suzuki Samurai insurance rates. The key thing to remember is the more price quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the best prices are with a company that doesn’t do a lot of advertising. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Allstate, Geico and Progressive.

Much more information about insurance coverage can be read below: