Compare 1996 Isuzu Oasis Car Insurance Cost

Trying to find the cheapest insurance for an Isuzu Oasis could be difficult, but you can use the following methods and make it easy.

There is a better way to find auto insurance online and you need to know the quickest way to price shop coverage on a Isuzu and get the best price possible from local insurance agents and online providers.

Get more affordable insurance with these tips

A large part of saving on insurance is knowing the rating factors that aid in calculating the level of your policy premiums. If you have a feel for what controls the rates you pay, this helps enable you to make changes that will entitle you to cheaper rates. Lots of factors are used in the calculation when you get a price on insurance. Most are fairly basic such as your driving record, but other criteria are more obscure like where you live or how safe your car is.

• Costs can change based on your address – Choosing to live in a rural area has definite advantages when buying insurance. Fewer drivers on the road means fewer accidents as well as less vandalism and auto theft. City drivers tend to have more auto accidents and higher rates of accident claims. Higher commute times means higher likelihood of an accident.
• Rates increase with driving citations – Having a clean driving record influences premium rates substantially. Attentive drivers have lower premiums than their less careful counterparts. Even a single speeding ticket can boost insurance rates by as much as thirty percent. People who have severe tickets such as DWI, reckless driving or hit and run convictions are required to maintain a SR-22 with the DMV in their state in order to drive a vehicle legally.
• Safer cars means cheaper insurance – Safer cars can get you lower premiums. Vehicles built for safety reduce the chance of injuries and fewer serious injuries means lower claim amounts and more competitive rates for policyholders.
• A good credit rating can save money – Credit history factor in determining your rates. If your credit history could use some work, you could potentially save money when insuring your 1996 Isuzu Oasis by repairing your credit. People with high credit scores tend to be more responsible as compared to drivers with lower ratings.
• Certain vocations raise prices – Careers such as judgesair traffic controllers and financial analysts have higher premiums than the average policyholder due to intense work-related stress and lots of time spent at work. On the flip side, occupations such as scientists, engineers and retirees generally pay rates lower than average on Oasis insurance.
• Liability coverage limits on your policy – Liability coverage is the coverage that protects you in the event that you are responsible for personal injury or accident damage. It provides for a legal defense which can cost thousands of dollars. It is affordable coverage when compared to the cost of physical damage coverage, so buy as much as you can afford.
• Reserve policy claims for larger damages – Companies award lower rates to insureds who are not frequent claim filers. If you frequently file small claims, you can look forward to much higher rates or policy non-renewal. Your insurance policy is intended for claims that you cannot pay yourself.
• Higher coverage deductibles cost less – Physical damage deductibles are how much you are required to pay before a claim is paid by your company. Coverage for physical damage, aka comp and collision, is used to repair damage to your car. Examples of some claims that would be covered are collision with another vehicle, hail damage, and damage from wind. The higher the amount you pay before a claim is paid (deductible), the bigger discount you will receive on Oasis insurance.

How to buy insurance coverage online

Comparing insurance coverage rates can be exhausting if you don’t know the best way to get rate quotes. You could waste a few hours discussing policy coverages with local insurance agents in your area, or you can stay home and use the internet to get the quickest rates.

The majority of car insurance companies belong to a marketplace that enables customers to complete one form, and at least one company can give them a price. This prevents consumers from doing repetitive form submissions for each company you want a rate for.

To compare pricing click here to open in new window.

The one downside to getting quotes like this is you are unable to specify which insurance companies to receive prices from. So if you prefer to choose from a list of companies to compare rates, we have a listing of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

Whichever method you choose, try to use equivalent coverage information for every company. If you enter different values for each quote it’s impossible to make a fair comparison for your Isuzu Oasis.

Get cheap rates by taking advantage of discounts

Car insurance is not cheap, but there may be some discounts that you may not know about. Certain reductions will be credited at quote time, but occassionally some discounts must be specifically requested prior to receiving the credit.

• Accident Free – Drivers who stay claim-free can earn big discounts as opposed to policyholders that have many claims.
• Seat Belts Save – Drivers who always wear seat belts and also require passengers to wear their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• Discounts for Government Workers – Simply working for the federal government can earn a discount up to 10% on Oasis insurance with some insurance companies.
• Auto/Home Discount – If you can combine your homeowners and auto policy with the same insurance company they may give you a discount of up to 20% and get you low cost car insurance.
• Clubs and Organizations – Belonging to a civic or occupational organization could earn you a nice discount on your bill.
• Student Discount for Driver Training – Teen drivers should sucessfully take a drivers education course if it’s offered in school.
• First Accident Forgiveness – This isn’t a discount exactly, but some insurance companies will allow you to have one accident without the usual rate increase if you have no claims for a specific time period.

A quick disclaimer, some credits don’t apply to the overall cost of the policy. The majority will only reduce individual premiums such as liability and collision coverage. So even though you would think all the discounts add up to a free policy, it doesn’t quite work that way.

The best insurance companies and a summarized list of policyholder discounts can be found below.

• Travelers may have discounts that include new car, multi-policy, IntelliDrive, save driver, home ownership, continuous insurance, and payment discounts.
• 21st Century policyholders can earn discounts including automatic seat belts, student driver, early bird, air bags, defensive driver, teen driver, and anti-lock brakes.
• State Farm discounts include multiple policy, Steer Clear safe driver discount, anti-theft, Drive Safe & Save, good driver, student away at school, and accident-free.
• Geico may offer discounts for membership and employees, air bags, multi-vehicle, military active duty, federal employee, anti-theft, and daytime running lights.
• SAFECO offers discounts including teen safe driver, multi-car, drive less, anti-lock brakes, safe driver, and homeowner.
• AAA has discounts for pay-in-full, anti-theft, good driver, AAA membership discount, and good student.

If you want low cost car insurance quotes, ask every company the best way to save money. Some discounts might not apply in your area.

How much car insurance do I need?

When choosing coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different.

For example, these questions might help in determining whether or not you might need an agent’s assistance.

• Am I missing any policy discounts?
• Where can I get insurance after a DUI in my state?
• Who is covered when they drive my 1996 Isuzu Oasis?
• Am I covered when driving a rental car?
• Can my teen drive my company car?
• Is my vehicle covered by my employer’s policy when using it for work?
• When would I need additional glass coverage?
• I have good health insurance, so how much medical payments coverage do I need?

If you can’t answer these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Auto insurance coverage information

Learning about specific coverages of insurance can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Medical expense coverage – Coverage for medical payments and/or PIP kick in for bills like chiropractic care, doctor visits, ambulance fees and funeral costs. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Collision – Collision coverage will pay to fix damage to your Oasis caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like sustaining damage from a pot hole, crashing into a ditch, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

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

Comprehensive coverage pays for claims such as theft, damage from getting keyed, damage from a tornado or hurricane, falling objects and hitting a deer. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured or underinsured coverage – This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your 1996 Isuzu Oasis.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Liability coverages – This coverage protects you from damages or injuries you inflict on a person or their property that is your fault. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like medical expenses, pain and suffering, medical services, bail bonds and emergency aid. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

More effort can pay off

While you’re price shopping online, it’s not a good idea to reduce needed coverages to save money. In too many instances, drivers have reduced comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your objective should be to purchase a proper amount of coverage at the best possible price and still be able to protect your assets.

Insureds change insurance companies for a variety of reasons including extreme rates for teen drivers, lack of trust in their agent, policy non-renewal or even not issuing a premium refund. Regardless of your reason for switching companies, finding a new auto insurance company can be pretty painless.

Budget-friendly auto insurance is definitely available both online as well as from independent agents, and you need to comparison shop both to have the best rate selection. Some insurance providers may not have rates over the internet and these smaller companies prefer to sell through independent insurance agents.

Additional detailed information is available at these sites:

• Red Light Cameras (State Farm)
• Speed and Speed Limit FAQ (iihs.org)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• State Car Insurance Guides (Geico)