1994 Suzuki Sidekick Insurance Quotes

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.

Compare free car insurance price quotes

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.

Learn how to find auto insurance cheaper

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.

• Rates and your address – Residing in less populated areas can be a good thing when insuring your vehicles. Lower population translates into fewer accident claims as well as less vandalism and auto theft. City drivers regularly have more auto accidents and longer commutes to work. Spending more time driving means higher likelihood of an accident.
• How much liability protection – The liability coverage on your policy will protect you if ever you are found liable for causing personal injury or damage in an accident. Liability insurance provides you with a defense in court which can cost thousands of dollars. This coverage is relatively inexpensive compared to physical damage coverage, so drivers should carry high limits.
• Always keep your policy in place – Letting your insurance expire can be a guaranteed way to pay more for auto insurance. Not only will you pay higher rates, getting caught without coverage might get you fines and jail time. You could then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
• Pay less with a high NHTSA crash test rating – Safe vehicles cost less to insure. Safe vehicles reduce the chance of injuries and lower injury rates means less claims paid and thus lower rates. If your Suzuki Sidekick is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
• Policy add-ons can waste money – Policies have additional coverages that may not really be needed on your auto insurance policy. Add-on coverages like personal injury protection, accidental death, and additional equipment coverage are some examples. These coverages may sound good when talking to your agent, but if you don’t need them consider taking them off your policy.
• Gals tend to be lower risk – Over time, data shows females are less aggressive when driving. This data doesn’t prove that women are BETTER drivers than men. Women and men are responsible for auto accidents in similar percentages, but the male of the species tend to have more serious accidents. Not only that, but men also get more serious tickets like DUI and reckless driving.
• Stressful employer may mean higher prices – Did you know your auto insurance rates can be affected by your occupation? Jobs like doctorsairline pilots and accountants tend to have higher premium rates because of high stress levels and incredibly demanding work hours. Other occupations like scientists, historians and retirees have lower than average premiums on Sidekick insurance.

Double check you’re getting these discounts

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.

• Discounts for Seat Belt Usage – Requiring all passengers to fasten their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
• Multi-line Discount – Some companies give better car insurancerates if you take out some life insurance too.
• Student Driver Training – Teen drivers should sucessfully take a drivers education course in school.
• Good Grades Discount – Excelling in school can be rewarded with saving of up to 25%. Many companies even apply the discount to college students until age 25.
• ABS Braking Discount – Cars with ABS braking systems or traction control prevent accidents and therefore earn up to a 10% discount.

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:

• State Farm
• Geico
• Allstate
• SAFECO
• Farm Bureau
• Progressive
• AAA

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.

Special considerations

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.

• Am I covered if I crash into my own garage door?
• Does my policy pay for OEM or aftermarket parts?
• Are my friends covered when driving my 1994 Suzuki Sidekick?
• Which is better, split liability limits or combined limits?
• Why does it cost so much to insure a teen driver?
• Should I bundle my homeowners policy with my auto?
• I have health insurance so do I need medical payments coverage?
• Does medical payments coverage apply to all occupants?

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.

Car insurance coverages and their meanings

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.

Auto collision coverage

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.

Uninsured Motorist or Underinsured Motorist 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.

Auto liability insurance

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.

Insurance for medical payments

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

Comprehensive coverage (or Other than Collision)

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.

Don’t break the bank

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

• Top Signs Your Brakes are Giving Out (State Farm)
• Older Driver Statistics (Insurance Information Insitute)
• Understanding your Policy (NAIC.org)
• Understanding Rental Car Insurance (Insurance Information Insitute)