Compare 1995 Suzuki Samurai Insurance Quotes

Want the cheapest insurance coverage rates for your Suzuki Samurai? Are you tired of scraping nickels together to keep your car insured? You’re in the same situation as many other drivers.

Due to the abundance of options, it can be diffult for drivers to choose the most cost effective insurance coverage company.

It’s important to do price comparisons periodically since insurance prices are adjusted regularly by insurance companies. Just because you found the best deal for Samurai coverage six months ago there is a good chance you can find better rates now. Ignore everything you know about insurance coverage because it’s time to teach you the quickest way to find lower rates on insurance coverage.

This article will help educate you on the best way to quote coverages and some money-saving tips. If you have car insurance now, you will most likely be able to cut costs considerably using these tips. Although car owners must learn how the larger insurance companies determine prices and apply this information to your search.

How to compare insurance quotes

There are multiple methods to compare insurance quotes, but some are less time-consuming than others. You can spend countless hours driving to insurance agencies in your area, or you can stay home and use the internet to get prices fast.

Many companies belong to an insurance system that enables customers to submit one quote, and each company can provide price quotes for coverage. This prevents consumers from doing form submissions for each company.

To compare rates now click here to open in new window.

The one disadvantage to comparing rates this way is that you can’t choose the providers you want pricing from. If you prefer to choose individual companies for rate comparison, we have a page of the cheapest insurance companies in your area. Click here to view list.

Compare rates however you want, just try to keep the exact same coverage limits and deductibles with each company. If you are comparing different deductibles you will not be able to determine the best price for your Suzuki Samurai. Just slight variations in limits could mean much higher rates. And when price shopping your coverage, comparing more company’s prices helps improve the odds of finding the best offered rates.

Insurance policy discounts

Car insurance companies don’t necessarily list every discount in an easy-to-find place, so the list below gives a summary of a few of the more common as well as the least known discounts that you may qualify for.

• Theft Prevention System – Cars, trucks, and SUVs that have factory anti-theft systems can help prevent theft and can earn a small discount on your policy.
• Switch and Save Discount – Some companies provide a discount for switching to them before your current coverage expires. The savings is around 10%.
• Safe Driver Discounts – Safe drivers can get discounts for up to 45% lower rates for Samurai coverage than less cautious drivers.
• Defensive Driving Course – Successfully completing a course teaching driver safety skills may get you a small discount if you qualify.
• Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of up to 25% or more.
• Accident Waiver – This isn’t a discount exactly, but certain companies will forgive one accident without raising rates if you are claim-free before the accident.

Keep in mind that most discounts do not apply the the whole policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, insurance companies aren’t that generous.

Popular insurance companies and a partial list of their discounts are outlined below.

• Progressive may include discounts for multi-vehicle, online quote discount, multi-policy, homeowner, and online signing.
• Farmers Insurance may have discounts that include multi-car, bundle discounts, teen driver, youthful driver, business and professional, alternative fuel, and electronic funds transfer.
• Farm Bureau may offer discounts for youthful driver, safe driver, multi-vehicle, multi-policy, 55 and retired, and renewal discount.
• State Farm offers discounts including good student, multiple policy, Steer Clear safe driver discount, Drive Safe & Save, driver’s education, and multiple autos.
• Geico policyholders can earn discounts including military active duty, federal employee, driver training, membership and employees, and multi-policy.
• SAFECO offers premium reductions for safe driver, multi-car, anti-theft, teen safety rewards, bundle discounts, and homeowner.
• Liberty Mutual offers discounts for exclusive group savings, teen driver discount, preferred payment discount, hybrid vehicle, and newly married.

When comparing rates, check with each company or agent which discounts can lower your rates. Some credits may not apply in your area.

Smart consumers know how to buy insurance coverage at a discount

Lots of things are part of the calculation when you quote your car insurance policy. A few of the factors are predictable like an MVR report, although some other factors are more obscure such as your marital status or your financial responsibility.When buying insurance coverage it’s important to understand some of the things that aid in calculating the rates you pay for insurance coverage. When you know what positively or negatively impacts premium levels, this allows you to make good choices that can earn you lower insurance coverage prices.

• Where you reside plays a part – Having an address in smaller towns and rural areas of the country can be a good thing when buying insurance coverage. People who live in big cities regularly have more road rage incidents and higher rates of accident claims. Fewer drivers translates into fewer accidents and also fewer theft and vandalism claims.
• Pay lower prices if you’re married – Having a wife or husband can actually save you money on your policy. It may mean you are more mature than a single person and it’s proven that married couples file fewer claims.
• High deductibles equal low rates – Protection for physical damage, also known as collision and other-than-collision, helps pay for damage to your vehicle. Examples of covered claims are a broken windshield, damage from fire, and damage from a fallen tree branch. The deductibles define the amount you are required to pay if you file a covered claim. The higher the amount you’re willing to pay, the bigger discount you will receive for Samurai coverage.
• Safer vehicles save money – Vehicles that have high safety ratings cost less to insure. The safest vehicles have better occupant injury protection and fewer serious injuries translates directly to fewer claims and cheaper rates on your policy.
• Gender matters – Statistics show females are less aggressive when driving. It does not mean women are BETTER drivers than men. Women and men are in accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also get cited for more serious violations like DWI (DUI) or reckless driving.
• Know your credit score – A driver’s credit rating factor in determining your rates. People with excellent credit scores tend to be better risks to insure than those with poor credit scores. If your credit can be improved, you could potentially save money when insuring your 1995 Suzuki Samurai if you clean up your credit.
• Don’t cut corners with liability – The liability section of your policy is the protection if you are ruled to be at fault for damages caused by your negligence. This coverage provides legal defense starting from day one. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.
• Alarms and GPS tracking lowers premiums – Choosing a vehicle with an alarm system can help lower your rates. Advanced theft deterrents such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent vehicle theft.

How do I know if I need professional advice?

When it comes to choosing coverage for your personal vehicles, there really is not a best way to insure your cars. Each situation is unique so your insurance should reflect that For example, these questions can aid in determining if your situation may require specific advice.

• Should I drop comprehensive coverage on older vehicles?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Am I covered when driving a rental car?
• Am I covered if I crash into my own garage door?
• Does my policy cover my teen driver if they drive my company car?
• When should I remove comp and collision on my 1995 Suzuki Samurai?
• Which companies will insure high-risk drivers?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Auto insurance coverages 101

Learning about specific coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are typical coverage types available from auto insurance companies.

Auto liability – Liability insurance will cover damage that occurs to other people or property. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things such as medical services, funeral expenses, loss of income and structural damage. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your Suzuki Samurai.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are set the same as your liablity limits.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for bills for things like nursing services, funeral costs and pain medications. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as rock chips in glass, fire damage and hail damage. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like sustaining damage from a pot hole, backing into a parked car and rolling your car. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

The best insurance company isn’t always the cheapest

Throughout this article, we presented many tips how you can save on 1995 Suzuki Samurai insurance. The key concept to understand is the more times you quote, the better your comparison will be. Consumers could even find that the best price on auto insurance is with a company that doesn’t do a lot of advertising. They can often insure niche markets at a lower cost as compared to the big name companies such as Geico and State Farm.

As you quote insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. There are too many instances where drivers have reduced collision coverage and learned later they didn’t purchase enough coverage. The ultimate goal is to buy the best coverage you can find at an affordable rate while still protecting your assets.

Budget-conscious 1995 Suzuki Samurai insurance can be sourced online and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some companies do not offer the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

To read more, feel free to browse the articles below:

• Understanding Limits and Deductibles (Allstate)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• What Does No-Fault Insurance Cover? (Allstate)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Teen Driving Statistics (Geico)