1992 Suzuki Sidekick Car Insurance Quotes – 5 Tips for Cheapest Rates

Looking for better auto insurance rates for your Suzuki Sidekick? Expensive auto insurance can empty your savings and force you to cut corners elsewhere. Doing a rate comparison is a fast and free way to lower your monthly bill.

Having so many auto insurance companies to choose from, it can be hard to find the cheapest auto insurance provider.

Five discounts for cheaper car insurance quotes

Car insurance companies don’t list every disount available in an easy-to-find place, so the list below contains a few of the more common in addition to some of the lesser obvious discounts you could be receiving when you buy insurance online.

• Discount for Multiple Policies – If you insure your home and vehicles with the same company you could earn a discount of up to 20% off your total premium.
• Discounts for Safe Drivers – Accident-free drivers can get discounts for up to 45% lower rates on Sidekick coverage compared to rates paid by drivers with frequent claims.
• Clubs and Organizations – Being in qualifying clubs or civic groups can get you a small discount on your policy.
• Drivers Education – Require your teen driver to successfully complete driver’s ed class in school.
• Theft Deterent – Cars equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.

A little note about advertised discounts, some credits don’t apply to all coverage premiums. Most cut specific coverage prices like physical damage coverage or medical payments. Even though the math looks like all those discounts means the company will pay you, it just doesn’t work that way.

To choose providers that offer the discounts shown above, click here to view.

Low cost insurance prices

Comparing insurance rates can be exhausting if you aren’t aware of the easiest way. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you can utilize the web to accomplish the same thing much quicker.

Most of the best insurance companies enroll in a system that allows shoppers to enter their coverage request one time, and every company returns a rated price for coverage. This eliminates the need for form submissions for each company you want a rate for.

To use this form to compare rates click to open in new window.

The one downside to comparing rates this way is you are unable to specify which providers you will receive quotes from. If you would rather choose specific providers for rate comparison, we have assembled a list of companies who write insurance in your area. View list of insurance companies.

You can choose any of those ways to find more affodable coverage, but ensure you are comparing apples-to-apples quote information on every price quote you get. If your comparisons have higher or lower deductibles it will be impossible to determine the lowest rate for your Suzuki Sidekick. Quoting even small variations in coverages can mean a large discrepancy in price. And when quoting insurance, remember that comparing more company’s prices helps locate more affordable insurance.

You may need specialized auto insurance coverage

When choosing coverage, there really is no one size fits all plan. Every insured’s situation is different so your insurance needs to address that. For instance, these questions might help in determining whether or not you could use an agent’s help.

• Are split liability limits better than a combined single limit?
• Where can I find DUI or SR-22 insurance?
• Do all my vehicles need collision coverage?
• Do I need medical payments coverage since I have good health insurance?
• Do I need replacement cost coverage?
• How can I force my company to pay a claim?
• Does my liability insurance cover pulling a trailer or camper?
• Am I covered if I drive in a foreign country?
• When should my teen driver be added to my policy?
• Should I buy only the required minimum liability coverage?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Car insurance coverage information

Having a good grasp of your insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. These are typical coverage types found on the average insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as chiropractic care, ambulance fees and EMT expenses. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision coverage

This coverage pays for damage to your Sidekick caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like sideswiping another vehicle, hitting a mailbox, hitting a parking meter, crashing into a building and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Liability

This coverage protects you from damage or injury you incur to other people or property that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims such as funeral expenses, repair costs for stationary objects and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but buy higher limits if possible.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, vandalism and theft. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Online plus local equals savings

We covered many ideas to reduce 1992 Suzuki Sidekick insurance car insurance rates online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may even find the lowest priced insurance coverage comes from a lesser-known regional company. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm, Geico and Nationwide.

When shopping online for insurance coverage, never reduce coverage to reduce premium. There have been many situations where an accident victim reduced comprehensive coverage or liability limits and found out when filing a claim that it was a big mistake. Your objective should be to purchase a proper amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

To learn more, feel free to browse the resources below:

• All About Airbag Safety (State Farm)
• Where can I buy Insurance? (Insurance Information Insitute)
• Property Damage Coverage (Liberty Mutual)
• Learn About Car Insurance (Geico)