How Much Does 1994 Isuzu Trooper Insurance Cost?

Are you regretting the purchase of overpriced car insurance? You’re in good company because there are many consumers feeling the pinch from expensive car insurance.

Lots of auto insurance companies contend to insure your vehicles, and because of this it can be hard to compare insurers to find the best rates possible.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this strategy. Choosing the best insurance company for you is quite easy. Although consumers should learn how the larger insurance companies market on the web and apply this information to your search.

How to buy insurance coverage online

Most larger insurance companies allow consumers to get insurance quotes direct online. Comparing rates online is pretty easy as all you need to do is type in the coverage amounts you desire on the page. Once you submit the form, their system obtains your driving and credit reports and generates a price based on these and other factors. Online price quotes helps simplify price comparisons, but the process of having to visit several different sites and enter the same data into a form can be a bit repetitive. But it is imperative to perform this step if you want to get better insurance coverage pricing.

The smarter way to find better insurance coverage pricing uses just one form that gets price quotes from many companies. It’s a real time-saver, helps eliminate reptitive entry, and makes comparison shopping much more enjoyable and efficient. Immediately after submitting the form, your coverage is rated and you are able to buy any or none of the quotes returned.

If you find a better price you simply finish the application and purchase the new policy. This process can be completed in a matter of minutes and you’ll know if lower rates are available.

To compare pricing, click here and enter your vehicle and coverage information. If you have your current policy handy, we recommend you complete the form with the coverage information just like they are on your policy. Doing this assures you are getting rate quotes for similar insurance coverage.

Save with these discounts

Not many people think insurance is cheap, but there could be significant discounts to help offset the cost. Larger premium reductions will be automatically applied at the time of quoting, but some may not be applied and must be specially asked for prior to getting the savings. If you do not check that you are getting every discount you deserve, you are paying more than you should be.

  • Drivers Education – It’s a good idea to have your young drivers successfully complete driver’s ed class if offered at their school.
  • No Charge for an Accident – Not really a discount, but some companies like State Farm and Progressive allow you one accident before they charge you more for coverage if you are claim-free prior to the accident.
  • Service Members Pay Less – Being on active duty in the military can result in better auto insurance rates.
  • 55 and Retired – Drivers over the age of 55 can get better auto insurance rates on Trooper coverage.
  • Policy Bundle Discount – When you have multiple policies and place coverage with the same company you could save at least 10% off all policies.

Don’t be surprised that some credits don’t apply to your bottom line cost. A few only apply to individual premiums such as liability, collision or medical payments. So even though you would think you could get a free auto insurance policy, that’s just not realistic. But any discount will bring down the amount you pay for coverage.

Some companies that may offer quotes with most of the discounts above include:

If you want cheaper auto insurance quotes, ask every prospective company which discounts you qualify for. Some discounts might not apply in every state. If you would like to see a list of companies who offer discounts, click here.

Special considerations

When it comes to choosing the best insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different so your insurance should reflect that For example, these questions may help you determine whether your personal situation could use an agent’s help.

  • Am I covered if I hit a deer?
  • Do I have coverage for damage caused while driving under the influence?
  • Is my 1994 Isuzu Trooper covered for flood damage?
  • Is my cargo covered for damage or theft?
  • Am I missing any policy discounts?
  • Can I rate high risk drivers on liability-only vehicles?
  • Can I afford to buy a different vehicle if my 1994 Isuzu Trooper is totaled?
  • How high should my medical payments coverage be?
  • Is my babysitter covered when using my vehicle?
  • Should I buy only the required minimum liability coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Insurance coverages and their meanings

Learning about specific coverages of insurance helps when choosing which coverages you need and the correct deductibles and limits. Insurance terms can be difficult to understand and reading a policy is terribly boring. These are typical coverage types available from insurance companies.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for short-term medical expenses like dental work, doctor visits, X-ray expenses and EMT expenses. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Auto liability – Liability insurance protects you from injuries or damage you cause to a person or their property in an accident. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims like pain and suffering, bail bonds, legal defense fees and loss of income. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Isuzu Trooper.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Collision – Collision coverage pays for damage to your Trooper from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as hitting a mailbox, hitting a parking meter and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as a broken windshield, falling objects and rock chips in glass. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Power to the consumer

When buying insurance coverage, do not reduce coverage to reduce premium. There are many occasions where someone sacrificed physical damage coverage only to find out that it was a big error on their part. Your objective should be to buy the best coverage you can find at a price you can afford but still have enough coverage for asset protection.

Lower-priced auto insurance can be purchased online and from local agencies, and you need to comparison shop both in order to have the best price selection to choose from. Some auto insurance companies do not offer the ability to get quotes online and usually these small insurance companies prefer to sell through independent insurance agencies.

Helpful learning opportunities

Comments About 1994 Isuzu Trooper Insurance

  1. Natashia Marsh

    I got a good deal I think. From south side of Portland, OR. Got car insurance prices from State Farm, Farmers, and Hanover for my Isuzu and I think I saved about $20 each month. Hardly afford to drive anymore. I don’t put full coverage on it.

  2. Jo Cantrell

    From northwest of Paterson, New Jersey. I don’t recall every quote but I ended up saving about $10 each month. Insured with The General before. Hopefully won’t need it. Online quotes are the way to go. I don’t insure for physical damage though.

  3. Louanne Stein

    If you have a good history and are close to Bismarck, ND, check out Progressive. They seem to be cheaper.

  4. Lasonya Hansen

    I found pretty cheap rate quotes for a 1994 Isuzu Trooper in Providence, RI. Ended up at right around $120 every six months with Auto-Owners. Left Eastwood to switch. Might find lower rates online. It’s too old for full coverage.

  5. Verline Gomez

    It’s all a rip off. I’m in the suburbs of Columbia, South Carolina. Compared rates from a lot of places. Saved darn near $10 a month. 21st Century was the most affordable for me. Insured with AAA before. I quoted rates online then called them.

  6. Celsa Burton

    Where is cheaper car insurance? From northwest of Phoenix, Arizona. Quoted prices from GMAC, Amica, Safeco, and a couple others for my 1994 Isuzu Trooper and am saving around $70 a year. I used their online quote form to compare rates.

  7. Blythe Knox

    Liked the article. Proud to be from Jersey City, NJ. Got car insurance rates from Auto-Owners, Sentry, and a few others for my Isuzu and am saving around $60 a year.

  8. Otha Hubbard

    Will Allstate raise rates after an accident?

  9. Barton Wood

    I live on the west side of Madison, WI. Received prices from Travelers, Auto-Owners, The General, and Safeco for my 1994 Isuzu Trooper and I think I saved about $30 each month. They offer free online rate quotes.

  10. Leigh Cummings

    If you don’t have tickets and live around Sioux Falls, SD, check out Allstate. I saved quite a bit. Good multi-policy discounts. Hardly afford to drive anymore. I dropped full coverage awhile back.

  11. Hortense Rocha

    In Jersey City, NJ try Allstate or Progressive. Both had decent prices.

  12. Everette Whitney

    I got quite a few price quotes for a 1994 Isuzu Trooper in Rapid City, SD. Ended up at roughly $120 every six months with Auto-Owners. Insured with Western Auto Insurance before.

  13. An Shannon

    Any companies in Grand Rapids, Michigan that will insure a DUI?

  14. Refugio Nunez

    It’s all a rip off. I live in Pittsburgh, Pennsylvania. Quoted with Progressive, Farmers, and The General for my 1994 Isuzu Trooper and saved just over $100 a year. I’m a pretty low risk driver.

  15. Krysten Keith

    Is a custom audio system covered by insurance?

  16. Clarine Garner

    I got quite a few price quotes for a 1994 Isuzu Trooper in South Burlington, Vermont. Ended up at about $80 every six months with AIG Insurance. Insured with Amica before. I get multi-vehicle and multi-policy discounts. Are quotes cheaper online? Next renewal I’ll just do liability.

  17. Ariel Harper

    I’m in Fort Wayne, IN and need high risk coverage. Help!

  18. Brittny Winters

    If you have a good history and live in the vicinity of Jacksonville, Florida, check out 21st Century. They seem to be cheaper. Insured with Travelers before. I increased coverages a little too. They offer free online rate quotes. I don’t have comp or collision coverage.