1997 Suzuki Esteem Car Insurance Rates

Are you overwhelmed by the sheer number of insurance coverage companies? Many other consumers are too. There are so many companies to choose from that it can quickly become a challenge to find the perfect company for you.

It’s a good habit to shop coverage around periodically because insurance rates are rarely the same from one policy term to another. Even if you think you had the lowest price on Esteem insurance two years ago other companies may now be cheaper. There is a lot of bad advice regarding insurance coverage online but with this article, you’re going to get a bunch of ideas how to slash your insurance coverage rates.

Your Suzuki Esteem insurance rate is a complex equation

Smart consumers have a good feel for the rating factors that help determine the rates you pay for insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that could result in lower insurance prices.

The following are some of the items companies use to determine premiums.

  • Poor credit can mean higher rates – Your credit rating is a large factor in your rate calculation. Consumers who have high credit ratings tend to be less risk to insure than drivers who have lower credit ratings. Therefore, if your credit history can use some improvement, you could potentially save money when insuring your 1997 Suzuki Esteem by repairing your credit.
  • Are you male or female? – Statistics demonstrate that women are safer drivers than men. However, this does not mean men are worse drivers. Both sexes tend to get into accidents at about the same rate, but men have costlier accidents. Men also get cited for more serious violations like reckless driving and DUI. Male drivers age 16 to 19 are several times more likely to be in an accident and are penalized with high insurance rates.
  • Rate your vehicle for proper use – The more you drive in a year the higher your rates will be. Almost all companies charge to insure your cars based on their usage. Cars used primarily for pleasure use can get a lower rate compared to those used for work or business. Improper usage on your Esteem may be wasting your money. Double check that your insurance policy is rated on the correct driver usage, because it can save money.
  • Safer cars cost less to insure – Safer cars tend to have better insurance rates. These vehicles have better occupant injury protection and fewer injuries means lower claim amounts and thus lower rates. If the Suzuki Esteem scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Adjust deductibles and save – Deductibles for physical damage define the amount you are required to spend out-of-pocket before a claim is paid by your company. Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply could be running into the backend of another car, vandalism, and burglary. The more you are required to pay out-of-pocket, the less your insurance will be on Esteem insurance.

Save on Suzuki Esteem insurance

Properly insuring your vehicles can get expensive, buy you may qualify for discounts that many people don’t even know exist. Certain discounts will be applied at the time of quoting, but a few must be asked for prior to getting the savings.

  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
  • Accident Forgiveness – A handful of insurance companies allow you one accident before your rates go up as long as you don’t have any claims prior to the accident.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Discount for Good Grades – Getting good grades can earn a discount of 20% or more. This discount can apply until age 25.
  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you may save up to 20% off your total premium.
  • Club Memberships – Being a member of a qualifying organization could qualify you for a break when buying auto insurance on Esteem insurance.
  • Low Mileage Discounts – Fewer annual miles on your Suzuki could qualify for lower rates on the low mileage vehicles.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Early Signing – Select companies give a discount for signing up prior to your current policy expiring. This can save 10% or more.

Drivers should understand that most discount credits are not given to your bottom line cost. The majority will only reduce individual premiums such as liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, you’re out of luck. Any amount of discount will help reduce your premiums.

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

Before buying, ask each company which discounts you may be entitled to. All car insurance discounts might not be offered in your area.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there really is no best way to insure your cars. Everyone’s situation is unique.

For instance, these questions may help you determine whether you could use an agent’s help.

  • Should I waive the damage coverage when renting a car?
  • Can my babysitter drive my car?
  • Do I need an umbrella policy?
  • Who is covered by my policy?
  • When can I cancel my policy?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Can I afford to pay high deductible claims out of pocket?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Car insurance coverage information

Having a good grasp of your insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Liability coverage

This protects you from damage or injury you incur to other’s property or people. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like emergency aid, attorney fees, pain and suffering, repair costs for stationary objects and medical expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical costs insurance

Med pay and PIP coverage provide coverage for bills for things like pain medications, rehabilitation expenses, surgery and prosthetic devices. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

UM/UIM Coverage

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Suzuki Esteem.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as falling objects, fire damage, theft, vandalism and hitting a deer. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for collisions

This coverage pays for damage to your Esteem from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as sideswiping another vehicle, colliding with another moving vehicle, crashing into a ditch, colliding with a tree and rolling your car. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

A penny earned…

Lower-priced 1997 Suzuki Esteem insurance is attainable on the web and also from your neighborhood agents, so compare prices from both to have the best rate selection. Some insurance providers may not provide the ability to get a quote online and these smaller companies work with independent agents.

We’ve covered a lot of tips how to compare insurance prices online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. You may even discover the best price on insurance coverage is with a small mutual company.

As you restructure your insurance plan, never skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice collision coverage only to regret they didn’t have enough coverage. Your strategy should be to buy a smart amount of coverage at a price you can afford.

Additional insurance coverage information can be read on the following sites: