How Much Does 1996 Suzuki Sidekick Insurance Cost?

When looking for more affordable insurance, are you frustrated by the wide range of auto insurance providers that you can choose from? Consumers have such a vast assortment of providers available that it can quickly become more work than you anticipated to find the best prices.

Take advantage of every auto insurance discount

Companies that sell car insurance don’t necessarily list all their discounts very well, so below is a list both the well known as well as some of the hidden ways to save on auto insurance.

  • Anti-theft Discount – Cars and trucks optioned with advanced anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
  • Telematics Discount – Drivers who agree to allow their auto insurance company to analyze driving habits by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they are good drivers.
  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Student in College – Children who are attending college without a vehicle on campus may be insured at a cheaper rate.
  • Senior Citizens – Drivers that qualify as senior citizens may qualify for better auto insurance rates for Sidekick insurance.

It’s important to understand that many deductions do not apply to the entire cost. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like you could get a free auto insurance policy, companies wouldn’t make money that way.

A few companies that may have these discounts possibly include:

When quoting, ask all the companies how you can save money. Discounts may not apply in your area.

How to know if you need help

When it comes to choosing the best insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s needs are different.

These are some specific questions might point out whether or not you could use an agent’s help.

  • Should I sign the liability waiver when renting a car?
  • Am I covered if I hit a deer?
  • Can I afford low physical damage deductibles?
  • Can I drive in Mexico and have coverage?
  • Do I have newly-aquired coverage?
  • Should I waive the damage coverage when renting a car?
  • When should I buy a commercial auto policy?
  • What is the rate difference between pleasure use and commuting?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Can you really save if you switch?

Auto insurance companies such as State Farm, GEICO and Progressive constantly bombard you with television, radio, and online ads. All the ads advertise claims about savings if you just switch to their company. How does each company charge less that you’re paying now?

Most companies offer their best rates for the type of customer that will generate a profit. For example, this type of insured could possibly be a married male, carries full coverage, and drives a safe vehicle. A driver that matches those criteria will get the preferred premium rates and will most likely save a lot of money.

People who fall outside those standards will probably have to pay higher prices which leads to the prospect going elsewhere. The ad wording is “customers that switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s why insurance companies can state the savings. Because of these techniques, drivers must compare many company’s rates. It is just not possible to predict with any certainty which company will have the best prices at this point in time.

Specifics of your auto insurance policy

Having a good grasp of your auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Medical expense coverage – Med pay and PIP coverage provide coverage for expenses like ambulance fees, EMT expenses, surgery, chiropractic care and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverage – Collision coverage pays for damage to your Sidekick resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like sustaining damage from a pot hole, backing into a parked car, driving through your garage door, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive protection – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as falling objects, damage from flooding and a broken windshield. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage – This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Suzuki Sidekick.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability car insurance – Liability insurance provides protection from damage or injury you incur to a person or their property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for claims such as loss of income, funeral expenses and structural damage. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

In Summary

Discount 1996 Suzuki Sidekick insurance can be purchased both online as well as from insurance agents, so you should compare both to get a complete price analysis. Some companies don’t offer online quoting and many times these regional insurance providers work with independent insurance agencies.

We just covered quite a bit of information on how to save on 1996 Suzuki Sidekick insurance. The most important thing to understand is the more you quote car insurance, the higher your chance of finding affordable car insurance. You may be surprised to find that the best premium rates are with a small local company.

When buying insurance coverage, it’s not a good idea to buy less coverage just to save a little money. In many instances, an insured dropped uninsured motorist or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage at the best price while not skimping on critical coverages.

More detailed insurance information can be found by following these links:

Comments About 1996 Suzuki Sidekick Insurance

  1. Setsuko Ross

    Well-written and thought out article. From north side of Tulsa, Oklahoma. Compared rates from a lot of places. Saved right around $30 a month. Allstate was the cheapest option for me. Insured with GMAC before. Not sure about claim service.

  2. Abe Mueller

    I live in Honolulu, HI. Not sure of all the companies but I ended up saving about $20 each month. Not worth enough to pay for comprehensive and collision.

  3. Alda Decker

    Cheaper car insurance is a myth. From a town just southwest of Montgomery, AL. I got free rates from Progressive, Auto-Owners, and Encompass for my Sidekick and saved around $90 a year. Good multi-policy discounts. They have free quotes online. Only insure liability on my Sidekick.

  4. Aleta Watts

    Here’s what I found out. Checking in from Las Cruces, NM. Quoted prices from American Family, Mercury, and a few others for my 1996 Suzuki Sidekick and I’m now saving $13 a month. :) Not worth enough to pay for comprehensive and collision.

  5. Elizabeth Hawkins

    Anyone buy from American Family? I’m in Montgomery, AL.

  6. Larue Weber

    If you have a good history and live in the vicinity of Boston, MA, check out 21st Century. They seem to be cheaper. Left Auto-Owners to switch. They have free quotes online.

  7. Yelena Goff

    I got decent rates for a 1996 Suzuki Sidekick in Springfield, Missouri. Ended up at about $90 every six months with Auto-Owners. Was with Hartford. I have kids on my policy, too.

  8. Wayne Holman

    What exactly does liability cover?

  9. Ava Estrada

    Thought I’d throw in my experience. Proud to be from Saint Louis, MO. Quoted rates from GEICO, Auto-Owners, Encompass, and Liberty Mutual for my Suzuki and I’m now saving $23 a month. Was with Farmers. I’m thinking about dropping full coverage though.

  10. Danyell Garza

    If you have a good history and live in the vicinity of Seattle, WA, check out Allstate. I saved quite a bit. A clean driving record helps. LOL When should I drop full coverage?

  11. Liliana Hopkins

    I’m in Oklahoma City, OK and need high risk coverage. Help!

  12. Claude Osborn

    Hope my car insurance gets cheaper. From east side of Jackson, MS. Quoted prices from GMAC, AIG Insurance, Mercury, and a couple others for my 1996 Suzuki Sidekick and I’m now saving $13 a month. Was with Progressive. Ask about discounts. Full coverage costs too much.

  13. Cecilia Vinson

    Got a quote with American Family for my 1996 Suzuki Sidekick and saved about $110 a year. Book value doesn’t justify full coverage anymore.

  14. Lasonya Mcfadden

    Corporate greed I’m telling you. From northwest of West Valley City, UT. Quoted prices from State Farm, Encompass, and Liberty Mutual for my 1996 Suzuki Sidekick and saved $76 a year. God forbid I actually have a claim.

  15. Rosaria Pittman

    I can’t pay high rates. I’m in the east part of Birmingham, AL. Quoted prices from The General, Auto-Owners, Nationwide, and a couple others for my Suzuki and I’m now saving $11 a month. Left Liberty Mutual to switch. It’s only liability tho.