Compare 1991 Suzuki Samurai Car Insurance Quotes

Looking for cheaper auto insurance rates for your Suzuki Samurai? Nobody I know likes paying for auto insurance, in particular when the cost is too high. Because you have many choices, it’s difficult to find the lowest price insurance company.

It’s smart to check auto insurance prices at least once a year since insurance rates change quite often. Just because you had the lowest price on Samurai coverage last year you can probably find a lower rate today. Forget all the misinformation about auto insurance because you’re about to find out the best methods to find great coverage at a great price.

Choosing the best insurance company for you is not rocket science. If you have a policy now or need a new policy, you can use these techniques to cut your premiums and possibly find even better coverage. Vehicle owners only need to know the most effective way to get comparison quotes over the internet.

Complexity of Suzuki Samurai insurance rates

Consumers need to have an understanding of some of the elements that go into determining the price you pay for insurance coverage. Having a good understanding of what influences your rates empowers consumers to make smart changes that can help you get better insurance coverage rates.

  • Lower deductibles cost more – Physical damage deductibles define the amount you are willing to pay in the event of a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some examples of claims that would be covered could be running into the backend of another car, collision with an animal, and burglary. The higher the amount the insured has to pay upfront, the bigger discount you will receive on Samurai coverage.
  • Men are more aggressive – Statistics have proven women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Women and men tend to get into accidents in similar numbers, but the male of the species have costlier accidents. Men also tend to have more aggressive citations such as DWI and reckless driving. Young males tend to get in the most accidents and thus pay the highest rates.
  • Lower rates come with age – More mature drivers are more responsible, statistically cause fewer accidents and get fewer tickets. Teen drivers are known to be more careless when driving therefore insurance coverage rates are much higher.
  • Liability coverage protects you – The liability section of your policy will protect you when a jury decides you are liable for damages caused by your negligence. It provides legal defense up to the limits shown on your policy. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not cut corners here.
  • A lapse in coverage is a bad thing – Driving your car without having proper coverage is against the law and as a result your rates will increase for letting your insurance expire. And not only will your rates increase, getting caught without coverage will get you a revoked license or a big fine.

Free Auto Insurance Quotes

Cutting your auto insurance rates isn’t really that difficult. You just need to take time to compare quotes provided by online insurance companies. This can be done in several different ways.

Probably the best way to get the best comparison quotes is an all-inclusive rate comparison click to view form in new window. This type of form keeps you from doing separate quotes for every auto insurance company. One quote request gets you price quotes instantly.

A different way to get quotes online is going to each individual company website to complete a price quote. For examples sake, let’s say you want rates from Progressive, Esurance and Geico. You would have to visit each site and enter your policy data, which is why most consumers use the first method.

For a list of links to insurance companies in your area, click here.

The least efficient way to compare rates is to drive around to and from local insurance agencies. The internet makes this process obsolete unless you require the personal advice that only a license agent can provide. You can, however, find lower rates online but buy from a local insurance agent.

It’s up to you which method you use, but double check that you are using exactly the same information on every quote you get. If each company quotes different deductibles you can’t possibly determine the best price for your Suzuki Samurai.

Are you falling for claims of savings?

Consumers can’t ignore all the ads that promise big savings from companies such as Allstate, Geico and Progressive. All the ads make an identical promise that you can save if you switch your policy.

How can each company claim to save you money?

All companies have a certain “appetite” for the type of driver that earns them a profit. For instance, a preferred risk could possibly be a mature driver, has no prior claims, and has a short commute. Any driver who matches those parameters will get the preferred rates and as a result will probably cut their rates substantially.

Consumers who fall outside the requirements will be charged higher premiums which usually ends up with the driver buying from a lower-cost company. The ads say “drivers who switch” but not “drivers who get quotes” save that much money. That is how insurance companies can advertise the savings. That is why you need to compare many company’s rates. You cannot predict which car insurance company will provide you with the cheapest Suzuki Samurai insurance rates.

Be sure to get all your discounts

Companies offering auto insurance don’t always publicize every available discount in an easy-to-find place, so we took the time to find both well-publicized as well as the least known savings tricks you should be using. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Clubs and Organizations – Participating in certain professional organizations could qualify you for a break when buying car insurance on Samurai coverage.
  • Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • 55 and Retired – Mature drivers may receive better car insurance rates on Samurai coverage.
  • E-sign – A handful of insurance companies give back up to $50 for buying your policy online.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts could cut 10% or more off your medical payments premium.
  • Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you could get a discount of approximately 10% to 15%.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy may reduce the rate for each vehicle.
  • Passive Restraints – Factory air bags may earn rate discounts of up to 25% or more.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, car insurance companies aren’t that generous.

Car insurance companies who might offer some of the above discounts may include but are not limited to:

Double check with every prospective company which discounts they offer. Some discounts might not apply in every state.

How do I know if I need professional advice?

When buying adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique so this has to be addressed. For example, these questions may help highlight if your insurance needs might need professional guidance.

  • What if I owe more than I can insure my car for?
  • Do I have coverage when making deliveries for my home business?
  • Am I covered when driving in Canada or Mexico?
  • Which companies will insure high-risk drivers?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered if I drive in a foreign country?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Auto insurance coverage specifics

Having a good grasp of auto insurance aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types offered by auto insurance companies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, damage from flooding and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability coverage

This coverage will cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as emergency aid, medical services, loss of income and repair costs for stationary objects. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Insurance for medical payments

Med pay and PIP coverage kick in for bills for hospital visits, surgery, funeral costs and dental work. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as driving through your garage door, sideswiping another vehicle and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Stretch your dollar

Low-cost 1991 Suzuki Samurai insurance is definitely available on the web as well as from independent agents, so you should be comparing quotes from both to have the best selection. Some insurance companies don’t offer online price quotes and these small, regional companies work with independent agents.

As you shop your coverage around, never reduce needed coverages to save money. In many instances, someone dropped liability limits or collision coverage only to regret they didn’t purchase enough coverage. The proper strategy is to purchase plenty of coverage at a price you can afford while still protecting your assets.

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