1998 Isuzu Oasis Car Insurance Rates – 9 Tips for Best Quotes

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, there are many consumers feeling the pinch from expensive auto insurance. Drivers have multiple insurers to insure vehicles with, and although it’s nice to have a selection, too many choices makes it more difficult to find the best rates for your vehicles.

Choosing the best insurance company for you is not that difficult. If you are paying for car insurance now, you should be able to lower your premiums substantially using this information. Drivers just need to understand the most efficient way to compare rates online.

Comprehensive Insurance Coverage Comparison

Finding cheaper 1998 Isuzu Oasis insurance coverage prices is surprisingly easy. Just take a couple of minutes to compare quotes online with multiple companies. This can be done in just a few minutes using one of these methods.

  1. The single most time-saving way consumers can analyze rates is an all-inclusive rate comparison click to view form in new window. This method saves time by eliminating repetitive form submissions for every insurance coverage company. Filling out one form gets you coverage quotes instantly.
  2. A different way to obtain and compare quotes online is to take the time to go to each company website to complete their respective quote request forms. For example, we’ll assume you want to compare Auto-Owners, Esurance and Liberty Mutual. To get rate quotes you would need to spend time on each company’s site and enter your information, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just be sure to compare the exact same coverage limits and deductibles for every quote you compare. If you use mixed coverages you can’t possibly determine the lowest rate for your Isuzu Oasis.

These nine discounts can slash car insurance rates

Companies that sell car insurance don’t always list all their discounts in an easy-to-find place, so we took the time to find both the well known and also the lesser-known ways to save on car insurance. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Early Signing – Some insurance companies reward drivers for switching policies prior to your current policy expiration. This can save 10% or more.
  • One Accident Forgiven – A few companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
  • Payment Discounts – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education in high school.
  • Resident Student – Kids in college who live away from home without a vehicle on campus can receive lower rates.
  • Auto/Home Discount – When you have multiple policies with one company you will save approximately 10% to 15%.
  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
  • 55 and Retired – Older drivers may be able to get a small decrease in premiums on Oasis insurance.
  • Save with a New Car – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.

Keep in mind that many deductions do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like you can get free auto insurance, you won’t be that lucky.

To see a list of providers with the best car insurance discounts, click here to view.

When might I need the advice of an agent?

When it comes to buying coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions might point out whether you may require specific advice.

  • Are my friends covered when driving my 1998 Isuzu Oasis?
  • I have health insurance so do I need medical payments coverage?
  • Do I benefit by insuring my home with the same company?
  • Am I covered if my car is in a flood?
  • How much liability coverage do I need in my state?
  • Which is better, split liability limits or combined limits?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance coverage companies in your area. It is quick, free and can provide invaluable advice.

Parts of your insurance policy

Having a good grasp of your policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types found on most insurance policies.

Medical costs insurance

Med pay and PIP coverage reimburse you for expenses for surgery, funeral costs and dental work. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive or Other Than Collision

Comprehensive insurance pays for 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 pays for things like damage from flooding, rock chips in glass, theft, fire damage and a broken windshield. The highest amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision coverage covers damage to your Oasis resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with another moving vehicle, rolling your car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability coverage

This protects you from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as pain and suffering, medical expenses and emergency aid. How much coverage you buy is up to you, but you should buy higher limits if possible.

UM/UIM Coverage

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your 1998 Isuzu Oasis.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Get your money’s worth

You just learned a lot of techniques to reduce 1998 Isuzu Oasis insurance prices online. The most important thing to understand is the more you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest rates come from the smaller companies. They may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm and Allstate.

When trying to cut insurance costs, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many situations where an insured cut full coverage and discovered at claim time that the few dollars in savings costed them thousands. Your focus should be to find the BEST coverage at the best price while not skimping on critical coverages.

Cost effective insurance is available online as well as from independent agents, so you should compare both in order to have the best chance of saving money. A few companies don’t offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

To read more, feel free to visit these articles: