Trying to find the cheapest car insurance rates for your Suzuki Sidekick? Comparing and finding cheaper coverage rates for car insurance is quite difficult for drivers who are beginners to online rate comparisons. Consumers have so many companies to choose from that it can easily be hard work to find the lowest price.
Consumers need to get comparison quotes quite often because prices are usually higher with each renewal. Just because you had the best rate for Sidekick coverage on your last policy you will most likely find a better premium rate today. Block out anything you think you know about car insurance because you’re about to learn the right way to find better rates and still maintain coverage.
If you are paying for car insurance now, you will be able to reduce your rates substantially using these methods. This information will help educate you on how car insurance quotes work. But consumers need to have an understanding of how companies compete online and use this information to your advantage.
Insurance is not cheap nor is it fun to buy but discounts can save money and there are some available that you may not even know about. Certain discounts will be applied at the time you complete a quote, but lesser-known reductions have to be requested specifically before they will apply. If you do not check that you are getting every discount possible, you’re paying more than you need to.
Policy discounts save money, but most discount credits are not given the the whole policy. Some only apply to individual premiums such as liability, collision or medical payments. If you do the math and it seems like adding up those discounts means a free policy, you’re out of luck. But any discount will cut the amount you have to pay.
If you would like to see a list of insurance companies who offer free insurance quotes, click here to view.
When choosing coverage, there really is no perfect coverage plan. Every insured’s situation is different.
For instance, these questions can aid in determining whether or not you may require specific advice.
If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form.
Knowing the specifics of your insurance policy can help you determine the best coverages for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring.
Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Suzuki Sidekick.
Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Liability coverage will cover damage or injury you incur to people or other property. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.
Liability insurance covers things such as structural damage, medical expenses, loss of income, funeral expenses and bail bonds. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.
This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like fire damage, damage from a tornado or hurricane, damage from getting keyed and rock chips in glass. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Med pay and PIP coverage provide coverage for immediate expenses for chiropractic care, prosthetic devices, surgery and rehabilitation expenses. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay
This coverage pays for damage to your Sidekick caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for claims such as damaging your car on a curb, driving through your garage door, sustaining damage from a pot hole and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.
When trying to cut insurance costs, you should never sacrifice coverage to reduce premiums. In many instances, an insured cut physical damage coverage and discovered at claim time that the savings was not a smart move. The goal is to purchase plenty of coverage at the best possible price, but do not sacrifice coverage to save money.
Drivers change insurance companies for any number of reasons including unfair underwriting practices, high rates after DUI convictions, policy cancellation and even questionable increases in premium. It doesn’t matter why you want to switch switching insurance companies can be less work than you think.
You just read a lot of information how to compare 1993 Suzuki Sidekick insurance rates online. The key concept to understand is the more times you quote, the better chance you’ll have of finding the cheapest auto insurance. You may even discover the biggest savings come from the least-expected company.
Ulrike Bright
I’ve insured with Progressive for a long time. Pretty cheap in Montgomery, AL.
Nichole Conway
Where can I find cheaper car insurance in Philadelphia, PA?
Cathrine Hardin
I’m in Houston, Texas. Went online for free insurance quotes for a 1993 Suzuki Sidekick. Ended up at about $90 savings annually. Went with 21st Century. Insured with Hanover before. Good savings if you bundle. God forbid I actually have a claim.
Isis Workman
I live in a small town just outside of Rio Rancho, NM. Quoted a bunch of companies. Saved right around $30 a month. Progressive was the most affordable for me. I have several vehicles insured with them. It’s too old for full coverage.
Delmer Dorsey
Well-written and thought out article. Located in Sioux Falls, SD. Got quotes with Western Auto Insurance, AAA, The General, and Mercury for my Suzuki and saved just over $70 a year. Left Travelers to switch. I’m a pretty good driver though. :P
Shoshana Malone
Does 21st Century offer good discounts?
Mathew Drake
I’m in the north part of Aurora, CO. Quoted with State Farm, American Family, and Eastwood for my 1993 Suzuki Sidekick and saved $65 a year. Was with Sentry. Have a couple speeding tickets too.
Ariane Berg
I was with Liberty Mutual last year but switched to State Farm. Proud to be from Bridgeport, CT. Insured with MetLife before. It’s still not cheap enough.
Kendall Dale
I drive uninsured.
Paulene Russo
If you have a good history and live near Dallas, TX, check out Allstate. I saved quite a bit. Left Mercury to switch. I get multi-vehicle and multi-policy discounts. You can get a rate quote online. It’s only liability tho.
Audrea Guthrie
Not sure what I should be paying. From northwest of Mobile, Alabama. I quoted with GEICO, Esurance, and Liberty Mutual for my 1993 Suzuki Sidekick and saved $112 a year. Insured with AIG Insurance before.
Leonel Joyce
If you’re from Aberdeen, South Dakota get quotes from State Farm and Progressive and you might save.
Dorene Stevens
If you have a clean record and live around Salt Lake City, UT, check out Allstate. You might save some money. I don’t have comp or collision coverage.
Dan Waters
Here’s what I found out. I’m from Eugene, Oregon. Received rates from State Farm, Esurance, and GMAC for my Sidekick and saved just over $100 a year. Thankfully I’m not a high risk driver.
Eliz Carpenter
I’m in Providence, RI, and State Farm rates were affordable. I have kids on my policy, too. Online quotes are the way to go. I’m thinking about dropping full coverage though.
Tammy Simon
If you have a good history and live around Boise, ID, check out State Farm. You might get cheaper rates. Was with USAA. I’m thinking about dropping full coverage though.
Olimpia Wolfe
Located in Portland, OR. Got rates from Allstate, The General, and Erie for my Sidekick and saved just over $110 a year. I get multi-vehicle and multi-policy discounts.