View 2001 Suzuki Esteem Car Insurance Cost

Looking for cheaper insurance rates for your Suzuki Esteem? No one looks forward to paying for insurance, in particular when their premiums are through the roof.

Popular companies such as State Farm, Progressive and Geico persitently shower you with ad campaigns and consumers find it hard to see past the corporate glitz and effectively compare rates to find the best deal.

Compare Car Insurance Today

The are a couple different ways to compare rate quotes from car insurance companies in your area. The best way to find the lowest 2001 Suzuki Esteem rates involves getting comparison quotes online. This can be done in a couple of different ways.

The fastest way consumers can make multiple comparisons is an all-inclusive rate comparison click here to open form in new window. This type of form prevents you from having to do a different quote for every car insurance company. A single, simple form gets you price quotes from many national carriers.

A harder way to analyze rates consists of visiting each company website and fill out their own quote form. For example, let’s assume you want to compare Farmers, Safeco and Travelers. You would have to take the time to go to each site to enter your coverage 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 double check that you are using apples-to-apples deductibles and coverage limits on every quote. If your comparisons have unequal deductibles or liability limits you will not be able to make a fair comparison for your Suzuki Esteem. Quoting even small variations in coverages may result in large price differences. Just remember that getting more free quotes will improve the odds of getting a lower rate.

Don’t be fooled by advertising claims

Car insurance companies such as State Farm, Geico and Progressive regularly use television and radio advertisements. They all seem to make an identical promise about savings if you move to their company. How can each company claim to save you money? It’s all in the numbers.

All companies are able to cherry pick for the right customer that earns them a profit. For example, a profitable customer could be between 30 and 50, insures multiple vehicles, and has great credit. A customer that hits that “sweet spot” will get the preferred rates and is almost guaranteed to save when switching.

Consumers who don’t qualify for this ideal profile must pay a more expensive rate and this can result in business going elsewhere. Company advertisements say “customers that switch” not “people who quote” save money. That is how companies can truthfully make those claims. This illustrates why it’s extremely important to get as many quotes as possible. It’s impossible to know which company will give you the biggest savings on Suzuki Esteem insurance.

What determines your Suzuki Esteem insurance premium

Consumers need to have an understanding of the factors that help determine your car insurance rates. When you know what positively or negatively impacts premium levels allows you to make educated decisions that could result in big savings.

  • Don’t get talked into coverage you don’t need – There are a lot of add-on coverages that you can get tricked into buying if you aren’t careful. Coverages for rental car reimbursement, accidental death and additional equipment coverage are some examples. They may seem good when talking to your agent, but now you might not need them so eliminate them to save money.
  • Pleasure use or commuting – The more you drive in a year the higher your rate. Most companies rate vehicles based on how the vehicle is used. Vehicles that are left in the garage can get a lower rate than vehicles that are driven to work every day. Verify your car insurance policy properly reflects the correct driver usage, because it can save money. If your policy improperly rates your Esteem can result in significantly higher rates.
  • Too many car insurance claims drive up costs – Car insurance companies give better rates to policyholders who do not file claims often. If you file claims often, you can definitely plan on either higher rates or even cancellation. Your insurance policy is intended to be relied upon for the large, substantial claims.
  • Safer cars cost less to insure – Vehicles with high crash test scores get lower rates. The safest vehicles have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Suzuki earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Increase deductibles and save – Deductibles for physical damage define the amount you are willing to pay out-of-pocket before a claim is paid by your company. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Examples of covered claims would be running into the backend of another car, damage from fire, or theft. The higher the amount you’re willing to pay, the bigger discount you will receive for Esteem insurance.
  • Mature drivers pay less – Young drivers have a tendency to be more careless when driving so car insurance rates are higher. Having to add a youthful driver to your car insurance policy can break the bank. More mature drivers are viewed as being more responsible, tend to file fewer claims and get fewer tickets.
  • Being married is a good thing – Getting married actually saves money when buying car insurance. Having a spouse means you’re more mature than a single person and statistics show married drivers get in fewer accidents.
  • Battle of the sexes – Statistics show women are more cautious behind the wheel. However, this does not mean men are worse drivers. Both sexes are in accidents at a similar rate, but the male of the species have costlier accidents. Men also tend to have more aggressive citations like reckless driving and DUI. Young males are the most expensive to insure and therefore have the most expensive car insurance rates.

Cut your auto insurance rates with discounts

Companies offering auto insurance don’t always list all available discounts very well, so here is a list some of the best known and the more hidden savings tricks you should be using.

  • Club Memberships – Belonging to a professional or civic organization is a good way to get lower rates on your policy for Esteem insurance.
  • Multi-policy Discount – If you insure your home and vehicles with one company you may earn up to 20% off your total premium.
  • Early Signing – Some insurance companies reward drivers for signing up before your current policy expires. This can save 10% or more.
  • Senior Discount – If you’re over the age of 55, you may be able to get reduced rates for Esteem insurance.
  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Student in College – Youth drivers who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Claim Free – Good drivers with no accidents can earn big discounts when compared with accident-prone drivers.
  • Multi-car Discount – Having more than one vehicle on the same auto insurance policy can get a discount on all vehicles.
  • Accident Waiver – A few companies will forgive one accident without raising rates so long as you haven’t had any claims prior to the accident.
  • Low Mileage Discounts – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.

Keep in mind that most discount credits are not given to your bottom line cost. Some only apply to individual premiums such as collision or personal injury protection. So when it seems like you can get free auto insurance, it doesn’t quite work that way.

Companies that may offer these discounts are:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Some discounts may not be available in your area.

You are unique and your car insurance should be too

When choosing the best car insurance coverage for your personal vehicles, there is no perfect coverage plan. Every insured’s situation is different and your policy should reflect that. For example, these questions may help highlight if your insurance needs might need an agent’s assistance.

  • Is a blown tire covered by insurance?
  • Am I missing any policy discounts?
  • When can my company non-renew my policy?
  • What are the financial responsibility laws in my state?
  • Am I covered if I hit a deer?
  • How much underlying liability do I need for an umbrella policy?

If you can’t answer these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

The coverage is in the details

Having a good grasp of a car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are typical coverage types available from car insurance companies.

Collision coverage protection

This coverage pays to fix your vehicle from damage caused by collision 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 can pay for claims such as colliding with another moving vehicle, backing into a parked car, sustaining damage from a pot hole, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Suzuki Esteem.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like hospital visits, X-ray expenses, surgery and funeral costs. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Liability coverage

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

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against things such as emergency aid, court costs and pain and suffering. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Comprehensive protection

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as vandalism, a tree branch falling on your vehicle, hitting a deer and hail damage. The most your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

The bottom line

In this article, we presented a lot of information how to lower your 2001 Suzuki Esteem insurance rates. It’s most important to understand that the more you quote, the higher the chance of saving money. You may even discover the best prices are with the smaller companies. Regional companies can often provide lower rates in certain areas than the large multi-state companies such as Geico and State Farm.

As you shop your coverage around, it’s very important that you do not reduce coverage to reduce premium. In many instances, drivers have reduced liability coverage limits and found out when filing a claim they didn’t have enough coverage. Your focus should be to find the BEST coverage for the lowest price.

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