1990 Suzuki Samurai Insurance Rates – 10 Ideas for Best Quotes

Trying to find cheaper insurance coverage rates for your Suzuki Samurai? No car owner likes having to buy insurance coverage, especially when they know they are paying too much.

Lots of insurers contend for your insurance dollar, so it’s not easy to compare every company and get the best coverage at the best rate

If you are paying for car insurance now, you will most likely be able to save some money using these techniques. Finding affordable coverage is easy if you know what you’re doing. But car owners must know how companies sell insurance online and take advantage of how the system works.

Insurance discounts are available to cut your rates

Companies don’t always list all possible discounts in a way that’s easy to find, so the following is a list of a few of the more common as well as the least known discounts you could be receiving when you buy insurance coverage online. If you check and find you aren’t receiving every discount possible, you could be saving more on your insurance.

• Defensive Driver Discounts – Participating in a course teaching driver safety skills may get you a small discount and make you a better driver.
• Responsible Drivers – Drivers without accidents can save as much as half off their rates for Samurai coverage than their less cautious counterparts.
• Pay Early and Save – By making one initial payment instead of paying each month you may have a lower total premium amount.
• Driving Data Discount – Drivers who elect to allow their company to study driving habits through the use of a telematics system such as Progressive’s Snapshot could save a few bucks if they exhibit good driving behavior.
• Theft Deterent System – Vehicles with anti-theft systems help deter theft and will save you 10% or more.
• Auto/Home Discount – If you can bundle your homeowners and auto insurance and place coverage with the same company they may give you a discount of at least 10 to 15 percent or more.
• Homeowners Savings – Owning a home can help you save on insurance since home ownership requires personal responsibility.
• Multi-line Discount – If the company offers life insurance, you could get a discounted rate on car insurance if you buy a life insurance policy as well.
• No Charge for an Accident – but some companies like Liberty Mutual, Allstate and State Farm will let one accident slide before your rates go up if you are claim-free prior to being involved in the accident.
• Drive Less and Save – Low mileage vehicles may allow you to get lower prices on the low mileage vehicles.

Don’t be surprised that most credits do not apply the the whole policy. Most cut the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you can get free auto insurance, you won’t be that lucky. But all discounts will definitely lower the cost of your policy.

To see a list of providers who offer cheap insurance quotes, click this link.

Everyone needs different car insurance coverages

When choosing the right insurance coverage for your vehicles, there is no best way to insure your cars. Each situation is unique and your policy should reflect that. These are some specific questions might point out if you may require specific advice.

• Can I get a multi-policy discount?
• Is a new car covered when I drive it off the dealer lot?
• I have a DUI can I still get coverage?
• Should I get collision insurance on every vehicle?
• Is my dog or cat covered if injured in an accident?
• Is business property covered if stolen from my car?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Advertising myths

State Farm and Allstate seem to constantly run ads on television and other media. All the ads try to convey promises about how much you will save if you just switch your policy. How does each company claim to save you money? It’s all in the words they use.

All the different companies give the cheapest rates for a prospective insured that will most likely be profitable. An example of a profitable customer might be over the age of 45, has never had a claim, and drives less than 5,000 miles a year. A customer who matches that profile will get low rates and have a good chance to pay quite a bit less when switching companies.

Potential insureds who fall outside the requirements may be required to pay a more expensive rate which translates to the customer not purchasing. Company advertisements say “people who switch” but not “everyone who gets a quote” save the amount stated. This is how companies can make claims that they all have the best rates. Because every company is different, drivers must compare many company’s rates. It’s not possible to predict which insurance companies will provide the lowest prices.

Information about specific coverages

Knowing the specifics of your policy aids in choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types available from auto insurance companies.

Comprehensive coverages

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as rock chips in glass, a tree branch falling on your vehicle and fire damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability auto insurance

Liability insurance protects you from injuries or damage you cause to a person or their property by causing 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.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like loss of income, structural damage, funeral expenses, medical services and bail bonds. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for things like backing into a parked car, damaging your car on a curb and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as EMT expenses, hospital visits, rehabilitation expenses, ambulance fees and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

You can do this!

In this article, we presented some good ideas how you can lower your 1990 Suzuki Samurai insurance premium rates. The key concept to understand is the more you quote insurance coverage, the higher your chance of finding cheaper insurance coverage. Consumers could even find that the best price on auto insurance is with the smaller companies. These companies may only write in your state and offer lower prices as compared to the big name companies such as State Farm or Progressive.

Lower-priced auto insurance is available both online as well as from independent agents, so you need to shop insurance coverage with both to have the best rate selection. Some companies may not offer internet price quotes and many times these regional carriers prefer to sell through local independent agencies.

When trying to cut insurance costs, do not skimp on critical coverages to save a buck or two. There have been many situations where an insured dropped full coverage to discover at claim time that the small savings ended up costing them much more. The goal is to buy the best coverage you can find at the best price while not skimping on critical coverages.

More learning opportunities

• Booster Seat Ratings (iihs.org)
• Vehicle Insurance in the U.S. (Wikipedia)
• Frontal Crash Tests (iihs.org)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)
• What is Covered by GAP Insurance? (Allstate)