1996 Suzuki X-90 Insurance Quotes – 10 Savings Tips

Want cheaper insurance rates for your Suzuki X-90? Nobody likes paying for insurance, especially when the cost is too high. Because there are so many insurance providers from which to choose, it can be hard to pick the right provider.

How to Get Cheap Auto Insurance

There are multiple methods to compare 1996 Suzuki X-90 auto insurance quotes, but there is one way that is easier and takes less work. You can waste hours driving to local insurance agents in your area, or you can stay home and use online quotes to get prices fast.

Many popular insurance companies participate in a marketplace where prospective buyers send in one quote, and each participating company returns a competitive quote for coverage. This eliminates the need for quote forms to every company.

To submit your quote information now, click here (opens in new window).

The one disadvantage to pricing coverage this way is you cannot specify which carriers you want to price. If you prefer to choose individual companies to receive pricing from, we have a listing of companies who write auto insurance in your area. Click to view list.

Which method you use is up to you, but compare identical deductibles and coverage limits on every quote you get. If you use higher or lower deductibles then you won’t be able to truly determine the lowest rate.

Verify you’re getting all your discounts

Auto insurance companies do not advertise all their discounts in an easy-to-find place, so the following is a list of some of the more common as well as the least known savings tricks you should be using. If they aren’t giving you every credit available, you are paying more than you should be.

  • Multiple Vehicles – Having multiple vehicles with the same company may reduce the rate for each vehicle.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Memberships – Affiliation with a professional or civic organization could qualify you for a break when buying auto insurance for X-90 insurance.
  • Defensive Driver – Taking part in a driver safety course could possibly earn you a 5% discount depending on where you live.
  • Save over 55 – If you qualify as a senior citizen, you may be able to get better auto insurance rates for X-90 insurance.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
  • Seat Belts Save – Drivers who require all occupants to wear their seat belts can save up to 15% off your PIP or medical payments premium.
  • Auto/Home Discount – When you have multiple policies with the same company you may save 10% to 20% off each policy.
  • Student in College – Kids in college living away from home attending college and do not have a car can receive lower rates.
  • E-sign – A few companies may give you up to $50 for buying your policy online.

Consumers should know that most discount credits are not given to the entire policy premium. A few only apply to specific coverage prices like liability and collision coverage. Even though it may seem like you could get a free auto insurance policy, it doesn’t quite work that way.

Companies who might offer these money-saving discounts include:

Check with each insurance company what discounts are available to you. All car insurance discounts might not be offered everywhere.

When should I talk to an agent?

When it comes to buying the best insurance coverage coverage, there isn’t really a “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions could help you determine if you may require specific advice.

  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered when driving a rental car?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my Suzuki X-90 covered if I use it for business?
  • Do I need replacement cost coverage on my 1996 Suzuki X-90?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Should I put collision coverage on all my vehicles?
  • Is my camper covered by my car insurance policy?
  • What are the best liability limits?
  • Are my friends covered when driving my car?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Specific coverages for a 1996 Suzuki X-90

Understanding the coverages of your car insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages available from car insurance companies.

Comprehensive car insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, rock chips in glass, damage from a tornado or hurricane and fire damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Collision protection

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

Collision coverage protects against things such as damaging your car on a curb, sustaining damage from a pot hole, crashing into a ditch and hitting a parking meter. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Liability auto insurance

This protects you from damage or injury you incur to people or other property in an accident. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like attorney fees, medical services and medical expenses. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like funeral costs, rehabilitation expenses and chiropractic care. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Don’t throw your cash in the trash

In this article, we covered some good ideas how to get a better price on 1996 Suzuki X-90 insurance. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest premiums are with a small mutual company. These smaller insurers may only write in your state and offer lower rates as compared to the big name companies such as Allstate and Progressive.

The cheapest insurance can be bought both online and with local insurance agents, so you should compare both to have the best chance of lowering rates. A few companies do not offer online quoting and usually these smaller companies provide coverage only through local independent agents.

As you restructure your insurance plan, you should never buy less coverage just to save a little money. In many instances, an accident victim reduced physical damage coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy the best coverage you can find at an affordable rate.

Additional information