How Much Does 1991 Suzuki Sidekick Insurance Cost?

Finding cheap car insurance may be challenging for drivers who are beginners to online price comparisons. With such a big selection of agents and online companies available, it can quickly become a ton of work to find the best prices.

Consumers should take time to shop coverage around as often as possible because car insurance rates are constantly changing. Just because you had the lowest premium rates on Sidekick coverage at your last renewal you can probably find a lower rate today. Forget all the misinformation about car insurance because we’re going to demonstrate the best methods to find the best coverage while lowering your premiums.

Get affordable rates by taking advantage of discounts

Some insurers don’t necessarily list every discount very clearly, so the following is a list of both the well known and the harder-to-find car insurance savings. If you are not receiving all the discounts possible, you’re just leaving money on the table.

  • Own a Home – Owning a house can earn you a little savings because maintaining a house demonstrates responsibility.
  • Multi-Vehicle Discounts – Buying a policy with multiple cars with one company can reduce rates for all insured vehicles.
  • Multi-line Discount – Some car insurance companies give a small discount if you purchase a life insurance policy as well.
  • Early Switch Discount – Some car insurance companies reward drivers for switching companies early. It can save you around 10%.
  • ABS Brakes – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
  • Driving Data Discount – Drivers that enable companies to scrutinize driving habits remotely such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if they have good driving habits.
  • Claim-Free Discount – Claim-free drivers can save substantially in comparison to frequent claim filers.
  • Safety Course Discount – Successfully completing a class that teaches defensive driver techniques is a good idea and can lower rates and easily pay for the cost of the class.
  • Service Members Pay Less – Being on active deployment in the military could mean lower rates.

Discounts save money, but please remember that most discounts do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as liability and collision coverage. Even though it appears it’s possible to get free car insurance, companies wouldn’t make money that way.

If you would like to choose from a list of car insurance companies with the best car insurance discounts, click this link.

Get Suzuki Sidekick insurance more affordably

A large part of saving on insurance is knowing some of the factors that help determine your policy premiums. When you know what positively or negatively influences your rates, this helps enable you to make changes that may result in better insurance rates.

Shown below are some of the most rate-impacting factors used by insurance companies to determine your prices.

  • No insurance claims equals better rates – Insurance companies award cheaper rates to insureds who only file infrequent claims. If you are the type of insured that files lots of claims you can pretty much guarantee either policy cancellation or increased premiums. Your car insurance is intended to be relied upon for more catestrophic claims.
  • Improve your credit rating and save – Your credit score is a large factor in your rate calculation. So if your credit history could use some work, you could pay less to insure your 1991 Suzuki Sidekick by improving your credit score. Drivers with good credit tend to be better drivers and file fewer claims as compared to drivers with lower credit ratings.
  • Avoid tickets and save – Being a careful driver has a big impact on rates. Only having one speeding ticket or other violation can increase rates substantially. Drivers with clean records have lower premiums compared to bad drivers. Drivers who get severe violations such as DWI, reckless driving or hit and run convictions may face state-mandated requirements to file a SR-22 with their state’s licensing department in order to legally drive a vehicle.
  • Safer cars cost less to insure – Vehicles with good safety scores cost less to insure. Highly rated vehicles reduce injuries and fewer injuries means lower claim amounts and cheaper rates on your policy.

How much car insurance do I need?

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Can my teen drive my company car?
  • Are my friends covered when driving my 1991 Suzuki Sidekick?
  • What is roadside assistance coverage?
  • Can I afford to buy a different vehicle if my 1991 Suzuki Sidekick is totaled?
  • When should I not file a claim?
  • Is my trailer covered?
  • When should my teen driver be added to my policy?

If it’s difficult to answer those 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.

Insurance advertisements

Respected companies like State Farm, Allstate and GEICO seem to constantly run ads in print and on television. All the companies seem to make the promise that people will save just by moving your insurance coverage to their company. How can each company offer you a better deal? This is the way they can do it.

Insurance companies have an ideal profile for the type of driver that earns them the highest profit. An example of a profitable insured should be between the ages of 30 and 50, has never had a policy lapse, and drives less than 7,500 miles a year. A customer getting a price quote who matches those parameters will get a cheap rate quote and is almost guaranteed to save a lot of money.

Drivers who fall short of the “perfect” profile will probably have to pay higher rates with the end result being the prospect going elsewhere. If you listen to the ad wording, they say “people who switch” but not “everyone who gets a quote” save that much money. That’s the way insurance companies can confidently state the savings. Because of these techniques, drivers must get price quotes at each policy renewal. It’s impossible to know the company that will have the lowest rate quotes.

Coverage specifics

Understanding the coverages of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, rock chips in glass, fire damage and hitting a deer. The most your insurance company will pay 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.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Suzuki Sidekick.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Auto liability

Liability coverage can cover injuries or damage you cause to people or other property. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like legal defense fees, medical services and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like prosthetic devices, X-ray expenses and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Collision coverage

Collision insurance covers damage to your Sidekick from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with a tree, sustaining damage from a pot hole, hitting a mailbox and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

One last thing about your coverage

When getting insurance coverage quotes online, never buy lower coverage limits just to save a few bucks. In many instances, an insured cut liability limits or collision coverage and learned later that the few dollars in savings costed them thousands. The goal is to find the BEST coverage for the lowest price.

Cheap 1991 Suzuki Sidekick insurance is available from both online companies in addition to many insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers do not provide rates over the internet and usually these regional carriers only sell coverage through independent agents.

We just presented some good ideas how you can shop for 1991 Suzuki Sidekick insurance online. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your prices. You may be surprised to find that the biggest savings come from a lesser-known regional company.

Additional information is available on the following sites:

Comments About 1991 Suzuki Sidekick Insurance

  1. Holli Buchanan

    Hope my rates come down. I’m in the north part of Grand Rapids, Michigan. Quoted with GMAC, Auto-Owners, Safeco, and a couple others for my Suzuki and saved around $60 a year. I used their website to get prices. It’s too old for full coverage.

  2. Matilda Moses

    If you have a good history and live in the vicinity of Jackson, Mississippi, check out Allstate. You might save some money. Left Allstate to switch. Have an at-fault accident tho. Online quotes are the way to go. Full coverage costs too much.

  3. Tommy Cobb

    I live just outside Aurora, CO. Went online for free insurance quotes for a 1991 Suzuki Sidekick. Ended up at about $120 savings annually. Went with State Farm. Have an at-fault accident tho. I used their website to get prices. When should I drop full coverage?

  4. Denny Francis

    I think I’m paying too much. Found cheapest coverage with American Family for my 1991 Suzuki Sidekick and am saving around $70 a year. Left Sentry to switch. I’m thinking about dropping full coverage though.

  5. Kellee Burt

    I think I’m paying too much. Proud to be from Wilmington, Delaware. Don’t remember every company but I ended up saving about $20 each month. I have kids on my policy, too. I only have liability coverage on it.

  6. Timmy Rodriquez

    I’m just south of Milwaukee, Wisconsin. I got free rates from Hanover, AAA, Safeco, and a couple others for my 1991 Suzuki Sidekick and am saving around $100 a year. My Sidekick doesn’t have full coverage.

  7. Verla Harvey

    Checking in from Louisville, KY. I compared lots of rates. Saved darn near $30 a month. 21st Century was the best choice for me. :P It’s only liability tho.

  8. Andy Mejia

    Hope my car insurance gets cheaper. Checking in from North Charleston, South Carolina. Quoted prices online for a 1991 Suzuki Sidekick. Ended up at about $100 savings annually. Went with State Farm. Might find lower rates online.

  9. Alberta Holden

    Does State Farm offer multi-policy discounts?

  10. Margurite May

    Lots of good stuff here. Live in the northern part of Indianapolis, IN. Received rates from GEICO, Amica, and some I forget for my Suzuki and saved $69 a year. Left GEICO to switch. BTW speeding tickets are not good. I don’t put full coverage on it.

  11. Louise Mullen

    Cheap car insurance? What’s that? I’m from Springfield, MA. Quoted rates from Hanover, AAA, Safeco, and a couple others for my Sidekick and saved just over $80 a year. Might find lower rates online.

  12. Dillon Riggs

    Enjoyed the article. From Frederick, MD. Got quotes with Progressive, Amica, and Erie for my Suzuki and saved just over $60 a year. Was with Travelers. Moved home policy as well. Wish I didn’t have to insure at all. I only have liability coverage on it.

  13. Sharilyn Sanders

    I’m from Cincinnati, Ohio. Not sure of all the companies but I ended up saving about $20 each month. You can get a rate quote online.

  14. Lekisha Foley

    I’m just east of Portland, Oregon. I don’t recall every quote but I ended up saving about $20 each month. Insured with Hartford before. It never hurts to quote around. I don’t put full coverage on it.

  15. Shara Dotson

    Anyone like their agent?

  16. Alyssa Bolton

    GEICO is cheapest in Michigan! :)

  17. Alexia Espinoza

    I live in Springfield, MO. Quoted quotes with 21st Century, Auto-Owners, and Encompass for my Sidekick and I think I am saving around $20 each month. Just liability coverage since it’s getting old.

  18. Tashia Hopper

    GEICO is decent in Jersey City, NJ.

  19. Sammie Holt

    From Cleveland, Ohio and for me Allstate had the lowest quote. Insured with Progressive before. I have a couple other vehicles on the policy. It’s only liability tho.