Finding cheaper insurance can be slightly frustrating for drivers who have little experience online rate comparisons. There are so many options available that it can turn into hard work to find more affordable insurance rates.
Effectively comparing car insurance prices can take time and effort if you don’t know the easiest way. You could waste time discussing policy coverages with insurance agencies in your area, or you could save time and use online quoting to get prices fast.
The majority of car insurance companies take part in a program where prospective buyers only type in their quote data once, and at least one company then returns a price quote based on the submitted data. This system prevents you from having to do form submissions to every company. To compare pricing click here (opens in new window).
The only downside to getting quotes like this is you can’t choose which carriers to receive prices from. So if you prefer to pick from a list of companies to receive pricing from, we put together a list of companies who write car insurance in your area. View list of insurance companies.
It’s your choice how you get your quotes, but do your best to use identical coverage information on every quote you get. If the quotes have differing limits then you won’t be able to determine which company has the best rates. Just slight variations in coverage limits could throw off the whole comparison. Just remember that comparing more company’s prices will increase your chances of finding more affordable rates. Not every company provides rate quotes online, so you also need to get price quotes on coverage from those companies, too.
Many things are used when premium rates are determined. Some are pretty understandable such as your driving history, although others are not as apparent like your vehicle usage or how safe your car is.An important part of buying insurance is that you know the rating factors that are used to determine the price you pay for auto insurance. When you understand what influences your rates, this enables you to make decisions that could result in lower auto insurance prices.
Companies that sell car insurance don’t always advertise the complete list of policy discounts in a way that’s easy to find, so the below list has both the well known and also the lesser-known discounts that you can inquire about if you buy auto insurance online.
Consumers should know that most of the big mark downs will not be given the the whole policy. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, that’s just not realistic. But any discount will definitely reduce your car insurance premiums.
Car insurance companies that may offer policyholders many of the previously listed discounts are:
It’s a good idea to ask each insurance company what discounts are available to you. Some discounts might not be available to policyholders in every state. For a list of car insurance companies that offer the discounts shown above, click here to view.
When it comes to choosing coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every situation is different.
For example, these questions might help in determining if you could use an agent’s help.
If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, complete this form.
Learning about specific coverages of your car insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.
This coverage covers damage to your Sidekick resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims such as sideswiping another vehicle, colliding with another moving vehicle, hitting a mailbox, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.
Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Normally these coverages are similar to your liability insurance amounts.
This can cover damage or injury you incur to other people or property in an accident. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage pays for claims such as repair costs for stationary objects, medical expenses, repair bills for other people’s vehicles, funeral expenses and loss of income. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.
Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like hospital visits, ambulance fees and chiropractic care. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible
This coverage covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims such as rock chips in glass, fire damage, damage from a tornado or hurricane, hail damage and theft. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Cheap 1994 Suzuki Sidekick insurance is available from both online companies and from local insurance agents, so get free auto insurance quotes from both of them so you have a total pricing picture. Some companies may not have the ability to get quotes online and most of the time these small, regional companies only sell through local independent agencies.
We’ve covered a lot of tips how to shop for 1994 Suzuki Sidekick insurance online. The key thing to remember is the more companies you get rates for, the better your comparison will be. You may even discover the lowest priced auto insurance comes from a lesser-known regional company.
As you go through the steps to switch your coverage, make sure you don’t sacrifice coverage to reduce premiums. Too many times, someone sacrificed full coverage only to regret at claim time that they should have had better coverage. The proper strategy is to get the best coverage possible for the lowest price but still have enough coverage for asset protection.
Additional auto insurance information can be read at the links below
Steve Barnes
IT’S ALL TOO EXPENSIVE! I’m just east of Juneau, AK. Got car insurance quotes with State Farm, The General, and Eastwood for my 1994 Suzuki Sidekick and cut my rates about $100 a year.
Eugenia Patton
Mine is so expensive. I live south of Lewiston, Maine. Received prices from Amica, Nationwide, and some smaller one I can’t remember the name of for my Sidekick and saved just over $70 a year. Insured with Hartford before. You can get a rate quote online. Liability only on my Suzuki.
Katheleen Roberson
Enjoyed the article. I’m in the suburbs of Billings, MT. I quoted with Allstate, Amica, Esurance, and Liberty Mutual for my 1994 Suzuki Sidekick and saved $104 a year. Insured with Hanover before. Teenage drivers are expensive! Did it all online.
Brook Goff
Well-written and thought out article. I’m in the west part of North Charleston, SC. Quoted with American Family, Erie, and Safeco for my Suzuki and saved $111 a year. Left Nationwide to switch. Just waiting to see how claims go. I dropped full coverage awhile back.
Kalyn Le
Here’s my info. Located in Omaha, Nebraska. Got car insurance rates from GEICO, The General, and Esurance for my Suzuki and cut my rates about $60 a year.
Tomoko Hatfield
I found pretty cheap rate quotes for a 1994 Suzuki Sidekick in West Valley City, UT. Ended up at darn near $110 every six months with AIG Insurance. It’s only liability tho.
Bee Gardner
It all costs too much. Lifelong resident of Wilmington, Delaware. Compared rates from a lot of places. Saved roughly $20 a month. GEICO was the most affordable for me. Insured with Sentry before. Liability only on my Suzuki.
Martine Torres
I live just to the south of Virginia Beach, VA. Got rates from Progressive, AAA, and Encompass for my 1994 Suzuki Sidekick and saved just over $100 a year. Switched homeowners coverage too. It’s only liability tho.
Evelynn Downs
I’m looking for cheaper coverage. From south side of Baton Rouge, LA. Got car insurance quotes with Progressive, The General, and Erie for my Sidekick and saved around $110 a year. I just quoted rates online.
Oralee Moon
Looking for cheaper 1994 Suzuki Sidekick insurance in San Diego, California. Help!