Cheaper 1991 Isuzu Rodeo Car Insurance Rates

Looking for lower auto insurance rates for your Isuzu Rodeo? Did you fall for a flashy sales pitch and buy high-priced auto insurance? Don’t sweat it because many consumers feel financially strained by their auto insurance policy.

Big-name insurance companies like Geico, Farmers Insurance and State Farm persitently shower you with catchy ads and consumers find it hard to ignore the flashy ads and find the best price available.

If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these methods. Choosing the best insurance company for you is not that difficult. But drivers can benefit from knowing how big insurance companies price insurance differently and use this information to your advantage.

Lower rates by qualifying for discounts

Not many people think insurance is cheap, but there may be some discounts that many consumers don’t even know exist. Certain discounts will be triggered automatically at the time of quoting, but some must be requested specifically prior to receiving the credit.

  • Own a Home – Owning a home can help you save on insurance since home ownership requires personal responsibility.
  • Drivers Education – Cut your cost by having your teen driver take driver’s ed class in school or through a local driver safety program.
  • Save over 55 – Older drivers may receive reduced rates for Rodeo coverage.
  • No Accidents – Insureds who avoid accidents and claims are rewarded with significantly better rates on insurance quote in comparison to accident-prone drivers.
  • Cautious Driver Discount – Safe drivers can save as much as half off their rates for Rodeo coverage than less cautious drivers.

You can save money using discounts, but some credits don’t apply to the entire policy premium. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like you could get a free insurance policy, company stockholders wouldn’t be very happy.

For a list of insurers that provide some of the discounts listed above, click here to view.

How to get insurance quotes

The are a couple different ways to get quotes from many different insurance companies. The recommended way to do a complete rate comparison is to jump online and get quotes. It is quite easy and can be accomplished in a couple of different ways.

  1. The single most time-saving way to get quotes is an all-inclusive rate comparison click here to open form in new window. This type of form eliminates the need for repetitive form entry for each company you want a rate for. A single, simple form gets you price quotes from insurance companies with the best prices.
  2. A more time consuming way to find better pricing is going to the website for each individual company and complete a new quote form. For sake of this example, we’ll pretend you want to compare Auto-Owners, Allstate and State Farm. To get rate quotes you would need to go to every website to enter the same coverage data repeatedly, which is why the first method is quicker.

    For a list of links to companies insuring cars in your area, click here.

  3. The final method to quote and compare insurance rates is to drive around to all the different insurance agencies. Comparing rates online can eliminate the need for a local agent unless you have a complicated situation and need the trained guidance that only a licensed agent can provide. Although you can get prices online and get advice from an agent in your area.

You can use whichever method you prefer to find lower rates, just ensure you are comparing apples-to-apples coverages and limits for each price quote. If you use higher or lower deductibles you can’t possibly make an equal comparison. Slightly different coverages may result in large price differences. And when price shopping your coverage, getting more free quotes increases your odds of finding a better price. Some smaller insurers to not give rate quotes online, so it’s recommended that you also compare price estimates from those companies as well.

How your Rodeo insurance premiums are determined

One of the most helpful ways to save on car insurance is to to have a grasp of the rating factors that go into determining the price you pay for car insurance. If you have some idea of what determines premiums, this enables informed choices that can help you get much lower annual insurance costs.

The factors shown below are just a few of the factors that factor into prices.

  • Tickets and citations cost more than a fine – Good drivers pay lower auto insurance prices as compared to those with violations. Even one chargable violation can boost insurance rates by twenty percent. People who have dangerous tickets such as reckless driving or DUI might be required by their state to submit a SR-22 form with the DMV in their state in order to drive a vehicle legally.
  • Youthful drivers cost more – Drivers with little experience are proven to be less responsible when behind the wheel so car insurance rates are higher. Adding a inexperienced driver to your policy can cause a big jump in price. Older insureds are shown to be more cautious, cost insurance companies less in claims and get fewer tickets.
  • A good credit score can save money – An insured’s credit score factor in your rate calculation. Therefore, if your credit is lower than you’d like, you could pay less to insure your 1991 Isuzu Rodeo by taking the time to improve your credit score. People that have very high credit ratings tend to file fewer claims than drivers with lower credit scores.
  • High stress job may mean higher car insurance rates – Occupations such as fire fightersairline pilots and financial analysts usually pay higher rates than the rest of us due to intense work situations and extremely grueling work hours. On the other hand, jobs like professors, athletes and the unemployed get better rates for Rodeo coverage.
  • Drive fewer miles and save – The higher the mileage driven every year the more it will cost to insure it. A lot of companies charge to insure your cars based on their usage. Cars that sit idle most of the time can be on a lower rate level than vehicles that have high annual mileage. Ask your agent if your policy is rated on annual mileage, because it can save money. Incorrect rating for your Rodeo is throwing money out the window.
  • You might have higher prices if you are single – Your spouse helps lower the price when buying car insurance. Having a spouse means you’re more mature than a single person and statistics prove drivers who are married are more cautious.
  • Frequent car insurance claims will cost you more – Auto insurance companies give cheaper rates to people who do not file claims often. If you file a lot of claims you can expect either a policy non-renewal or much higher rates. Your car insurance is meant to be used in the event of claims that you cannot pay yourself.
  • Never have policy lapses – Driving without insurance can get your license suspended and as a result your rates will increase for letting your coverage cancel without a new policy in place. And not only will insurance be more expensive, failure to provide proof of insurance can result in a hefty fine and possibly a revoked license.

Insurance coverage is unique, just like you

When it comes to choosing the right insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether your personal situation would benefit from professional advice.

  • Does my medical payments coverage pay my health insurance deductible?
  • Does liability extend to a camper or trailer?
  • Is my trailer covered?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I pay less if my vehicle is kept in my garage?
  • At what point should I drop full coverage?
  • What if I total my 1991 Isuzu Rodeo and owe more than it’s worth?
  • Is my state a no-fault state?

If you can’t answer 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, simply complete this short form or click here for a list of insurance coverage companies in your area.

What insurance coverages do you need?

Knowing the specifics of a insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverages available from insurance companies.

Comprehensive coverage – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like a broken windshield, fire damage and damage from flooding. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – This coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Isuzu Rodeo.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Collision coverage – Collision coverage will pay to fix damage to your Rodeo caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like sustaining damage from a pot hole, driving through your garage door, backing into a parked car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for bills for ambulance fees, chiropractic care and EMT expenses. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Liability – This protects you from damage or injury you incur to a person or their property. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage pays for things such as structural damage, medical services, bail bonds, legal defense fees and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

In the end, you save

Cheaper car insurance can be sourced online and from local agencies, so you need to shop insurance with both to have the best chance of lowering rates. Some insurance providers don’t offer the ability to get quotes online and usually these smaller companies sell through independent agencies.

We just showed you many tips how you can shop for 1991 Isuzu Rodeo insurance online. The most important thing to understand is the more quotes you get, the higher your chance of finding cheap insurance. You may be surprised to find that the best rates are with a smaller regional carrier. Smaller companies may have significantly lower auto insurance rates on certain market segments than the large multi-state companies such as Allstate or State Farm.

Much more information about car insurance can be read at these links:

Comments About 1991 Isuzu Rodeo Insurance

  1. Zackary Mcconnell

    I compared a lot of rate quotes for a 1991 Isuzu Rodeo in Saint Paul, MN. Ended up at darn near $120 every six months with AIG Insurance. Was with Erie. Thankfully I have a good driving record. I used their website to get prices. My Isuzu doesn’t have full coverage.

  2. Arlyne Sanford

    IMHO Mesa, Arizona seems to have good rates from Progressive.

  3. Darrell Mcleod

    For me, Progressive was by far the cheapest in Tucson, AZ.

  4. Herman Benson

    Lots of useful info here. I’m in Pittsburgh, PA. Quoted a bunch of companies. Saved right around $10 a month. GEICO was the best choice for me. Was with Esurance. I got prices on the web. I don’t insure for physical damage though.

  5. Sirena Nicholson

    In Virginia Beach, VA, Allstate is a good choice. Insured with USAA before. Thankfully I’m not a high risk driver. Not sure if rates are cheaper online or through an agent.

  6. Aurelia Riddle

    Live in the southern part of Nashville, TN. Got quotes from Safeco, Erie, State Farm, and AIG Insurance for my Rodeo and I’m now saving $16 a month. I got prices on the web.

  7. Parker Weber

    I’m in Great Falls, MT, and 21st Century rates were affordable.

  8. Elfreda Warner

    Hope my rates come down. I live west of New Orleans, LA. Quoted with AAA, Mercury, and Travelers for my Isuzu and I’m now saving $23 a month. Insured with Safeco before. I’m a pretty good driver though. Bought it from an online quote.

  9. Alyse Freeman

    If you have a good history and are close to Kailua, Hawaii, check out 21st Century. You might save some money. I’m a pretty good driver though. They have free quotes online.

  10. Dion Moore

    Lots of good stuff here. I live north of Bismarck, ND. Not sure of all the companies but I ended up saving about $10 each month.

  11. Maria Olsen

    Will State Farm insure with a DUI in Aberdeen, South Dakota?

  12. Monet Simon

    Live in Columbia, South Carolina. Got car insurance rates from Hanover, AIG Insurance, Mercury, and a couple others for my Rodeo and cut my rates about $80 a year. Insured with Mercury before. Teenage drivers are expensive! You can get a rate quote online. When should I drop full coverage?

  13. Carin Shelton

    I found pretty cheap rate quotes for a 1991 Isuzu Rodeo in Minneapolis, MN. Ended up at right around $70 every six months with Auto-Owners.

  14. Christine Hansen

    For me, Progressive was by far the cheapest in Seattle, Washington.