1991 Suzuki Samurai Insurance Quotes – 7 Policy Discounts

Are you at wits end from robbing Peter to pay Paul to keep your car insured? You’re in the same situation as millions of other people.

Companies like Geico and Progressive constantly blast consumers with ads and it is difficult to see past the corporate glitz and do the work needed to find the best deal.

Affordable car insurance rates with discounts

Companies do not list the complete list of policy discounts very clearly, so the next list breaks down both well-publicized and the harder-to-find credits available to bring down your rates.

• Theft Deterent – Vehicles equipped with anti-theft or alarm systems are less likely to be stolen and earn discounts up to 10% off your auto insurance quote.
• Distant Student Discount – who live away from home at college and don’t have a car could get you a discount.
• Driving Data Discount – People who choose to allow driving data collection to monitor their driving habits by using a telematic data system such as State Farm’s In-Drive might see lower rates as long as they are good drivers.
• Early Switch Discount – A few insurance companies offer discounts for renewing your policy prior to the expiration date on your current policy. The savings is around 10%.
• Student Discount for Driver Training – Cut your cost by having your teen driver sucessfully take a drivers education course as it can save substantially.
• ABS and Traction Control Discounts – Cars and trucks that have anti-lock braking systems can reduce accidents so you can save 10 percent or more.
• More Vehicles More Savings – Buying coverage for multiple cars or trucks on the same car insurance policy can get a discount on all vehicles.

You should keep in mind that some credits don’t apply to the entire policy premium. Most only reduce specific coverage prices like collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, company stockholders wouldn’t be very happy. But all discounts will definitely reduce the cost of your policy.

To see a list of providers with discount rates, click here.

Tailor your car insurance coverage to you

When it comes to choosing coverage, there isn’t really a single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if your situation might need an agent’s assistance.

• Should I rate my 1991 Suzuki Samurai as pleasure use or commute?
• Can I rent a car in Mexico?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Am I covered when delivering products for my home-based business?
• Is my teen driver covered when they drive my company car?
• Does car insurance cover theft of personal property?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Save 15 percent in 15 minutes? Is it for real?

Insurance companies such as 21st Century, Allstate and State Farm endlessly run ads on TV and radio. They all seem to make the same claim that you can save just by switching to their company. It sounds good, but how can they all say the same thing? This is the way they can do it.

Many companies provide the lowest rates for the type of customer that will not have excessive claims. For instance, a preferred risk might be over age 30, has never had a policy lapse, and drives a safe vehicle. A customer getting a price quote that hits that “sweet spot” will probably get cheap rates and will also save some money.

Drivers who are not a match for those standards may be required to pay a higher premium and this can result in the customer buying from someone else. Company advertisements say “people that switch” not “all people who quote” can save as much as they claim. That’s the way insurance companies can make claims like that. Different companies use different criteria so it is so important to compare price quotes frequently. It’s not possible to predict which company will have the lowest rates.

Insurance policy specifics

Learning about specific coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average insurance policy.

Comprehensive (Other than Collision) – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as vandalism, damage from a tornado or hurricane, rock chips in glass, theft and fire damage. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Suzuki Samurai.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Liability car insurance – Liability insurance protects you from injuries or damage you cause to other people or property in an accident. It consists of 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 policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as funeral expenses, court costs and emergency aid. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like doctor visits, X-ray expenses, chiropractic care, nursing services and EMT expenses. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision – Collision coverage covers damage to your Samurai from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like crashing into a building, scraping a guard rail, sustaining damage from a pot hole, crashing into a ditch and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

One last thing

When searching for low cost auto insurance quotes, it’s very important that you do not reduce needed coverages to save money. In many cases, drivers have reduced full coverage only to regret at claim time that it was a big error on their part. The aim is to find the BEST coverage at the lowest possible cost but still have enough coverage for asset protection.

You just learned a lot of ways to lower your 1991 Suzuki Samurai insurance prices. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the best price on auto insurance is with a small local company. These smaller insurers can often provide lower rates in certain areas than their larger competitors like Progressive and Geico.

Much more information about auto insurance can be found at the links below

• Child Safety Seats (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)
• State Car Insurance Guides (Geico)
• How do I File a Claim? (Insurance Information Insitute)
• Airbag FAQ (iihs.org)