Compare 1993 Suzuki Samurai Car Insurance Quotes

Trying to find cheaper insurance rates for your Suzuki Samurai? No one cherishes buying insurance, especially knowing the cost is way too high.

There are many car insurance companies to pick from, and although it’s nice to have a choice, having more insurance companies makes it harder to find the lowest rates.

Finding the best rates is not that difficult. Essentially everyone who has to buy car insurance most likely will be able to find better rates. But car owners should learn how insurance companies determine prices and use this information to your advantage.

Free Quotes for Car Insurance

Comparing car insurance rates can be a lot of work if you don’t utilize the easiest way. You could spend your day driving to local insurance agents in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

Many popular insurance companies belong to a marketplace where insurance shoppers enter their coverage request one time, and each participating company can give them a price determined by their information. This eliminates the need for form submissions for each company you want a rate for.

To compare 1993 Suzuki Samurai rates using this form now click here to start a free quote.

One minor caviat to comparing rates this way is you cannot specify which insurance companies to receive prices from. So if you prefer to pick specific providers to compare, we have a listing of companies who write car insurance in your area. Click to view list.

It doesn’t matter which method you choose, just make darn sure you compare apples-to-apples information on every quote you get. If you are comparing higher or lower deductibles then you won’t be able to determine the best price for your Suzuki Samurai. Having just a slight variation in limits can make a big difference in price. And when comparing car insurance rates, know that getting more free quotes provides better odds of finding a lower rate.

Don’t overlook these discounts

Auto insurance companies don’t always list all their discounts very well, so the following is a list of both the well known and also the lesser-known discounts you could be receiving.

  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
  • Life Insurance – Some companies give a discount if you purchase life insurance.
  • Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less for Samurai insurance than less cautious drivers.
  • No Charge for an Accident – Certain companies will allow you to have one accident before raising your premiums as long as you don’t have any claims for a certain period of time.
  • 55 and Retired – Older drivers can possibly qualify for a small decrease in premiums for Samurai insurance.
  • Save with a New Car – Insuring a new car can cost up to 25% less compared to insuring an older model.
  • Federal Government Employee – Simply working for the federal government may qualify you for a discount for Samurai insurance depending on your company.
  • More Vehicles More Savings – Having multiple cars or trucks with the same company may reduce the rate for each vehicle.
  • Distant Student – Kids in college living away from home attending college and do not have a car may qualify for this discount.
  • Homeowners Savings – Owning a home can help you save on auto insurance because of the fact that having a home requires personal responsibility.

Consumers should know that many deductions do not apply the the whole policy. Most only reduce individual premiums such as medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

To see a list of insurers with the best auto insurance discounts, click here.

Is my situation unique?

When buying coverage, there really is no cookie cutter policy. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if your situation would benefit from an agent’s advice.

  • What is medical payments coverage?
  • Am I covered if my car is in a flood?
  • If my pet gets injured in an accident are they covered?
  • Why does it cost so much to insure a teen driver?
  • Is business property covered if stolen from my car?
  • Is rental equipment covered for theft or damage?
  • Am I covered when delivering products for my home-based business?
  • Can I rate high risk drivers on liability-only vehicles?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Insurance coverage breakdown

Understanding the coverages of insurance can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages available from insurance companies.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision protection

This coverage covers damage to your Samurai from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like sideswiping another vehicle, driving through your garage door, damaging your car on a curb, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive insurance

This covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a deer, falling objects, hail damage and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverages

This will cover damage that occurs to other people or property. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like medical services, loss of income and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical expenses

Med pay and PIP coverage pay for short-term medical expenses like pain medications, prosthetic devices and doctor visits. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible