1996 Suzuki X-90 Car Insurance Cost

Overpriced insurance coverage can consume your funds, especially in this economy. Comparing price quotes can be a smart way to make ends meet.

Vehicle owners have so many auto insurance companies to purchase coverage from, and although it’s a good thing to be able to choose, more choices can make it harder to find the best rates for your vehicles.

Shopping for cheaper auto insurance is not that difficult. Essentially everyone who has to buy auto insurance will more than likely be able to lower their premiums. But consumers need to learn the way companies price online insurance and apply this information to your search.

Compare insurance coverage rates

Effectively comparing insurance coverage prices is a ton of work if you don’t understand the easiest way. You can waste hours talking about coverages with insurance agencies in your area, or you could save time and use online quoting to maximize your effort.

Many popular insurance companies enroll in a system that enables customers to complete one form, and each company returns a competitive quote. This system prevents you from having to do quote requests to each individual insurance coverage company.

To enter your information into the quoting system, click here to open in new window.

The single downside to getting quotes like this is you can’t choose the insurers you will receive quotes from. If you prefer to choose from a list of companies to compare prices, we have a listing of insurance coverage companies in your area. Click to view list.

It doesn’t matter which method you choose, just make sure you compare identical deductibles and coverage limits with every price quote. If your comparisons have different deductibles you can’t possibly determine which rate is truly the best. Just slight variations in insurance coverages or limits could mean much higher rates. And when comparing insurance coverage rates, know that having more price comparisons increases your odds of finding a lower rate. Some companies don’t provide online rate quotes, so you need to compare price estimates on coverage from those companies, too.

Discounts for cheaper insurance rates

Insurance can be prohibitively expensive, but there may be some discounts that you may not know about. Certain discounts will be triggered automatically when you purchase, but some discounts are required to be asked for in order for you to get them.

• Discount for Low Mileage – Low annual miles could qualify for substantially lower insurancerates.
• Seat Belts Save more than Lives – Requiring all passengers to buckle up can save up to 15% off the PIP or medical payment premium.
• First Accident Forgiveness – This one is not really a discount per se, but a few companies such as Allstate, Progressive, and Geico will forgive one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
• Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of up to 25% or more.
• Payment Method – By paying your entire bill at once rather than spreading payments over time you could save 5% or more.
• Drivers Education – Have your child enroll in driver’s education as it will make them better drivers and lower rates.
• Good Grades Discount – Getting good grades can earn a discount of 20% or more. The good student discount can last until age 25.
• Telematics Data – Drivers who agree to allow companies to monitor when and where they use their vehicle by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if they show good driving skills.

One last thing about discounts, many deductions do not apply to the entire policy premium. Most only apply to individual premiums such as comp or med pay. Even though it appears you can get free auto insurance, it just doesn’t work that way.

A few popular companies and a selection of discounts are included below.

• Progressive may include discounts for online signing, multi-vehicle, continuous coverage, online quote discount, and good student.
• Geico has discounts for good student, daytime running lights, driver training, multi-policy, and anti-lock brakes.
• State Farm offers discounts for driver’s education, Steer Clear safe driver discount, Drive Safe & Save, good driver, multiple policy, anti-theft, and good student.
• Esurance includes discounts for online shopper, claim free, homeowner, safety device, online quote, anti-theft, and Pac-12 alumni.
• The Hartford offers premium reductions for anti-theft, defensive driver, good student, vehicle fuel type, driver training, and bundle.

It’s a good idea to ask each company which discounts they offer. All car insurance discounts might not be offered everywhere. To locate insurers offering insurance discounts, click here.

Tailor your car insurance coverage to you

When it comes to buying coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether or not you may require specific advice.

• Does my insurance cover a custom paint job?
• What if I owe more than I can insure my car for?
• Can I drive in Mexico and have coverage?
• Is my nanny covered when driving my vehicle?
• How does medical payments coverage work?
• Am I covered if I wreck a rental car?
• Am I insured when driving a different vehicle?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

You can change your insurance rates

Smart consumers have a good feel for the factors that go into determining the rates you pay for insurance coverage. If you know what controls the rates you pay, this helps enable you to make changes that could result in lower rates.

The factors shown below are some of the most rate-impacting factors used by your company to calculate rates.

• Premiums drop with age – Inexperience drivers are statistically shown to be inattentive and easily distracted when driving and because of this, their insurance coverage rates are much higher. Older, more experienced drivers are more responsible, tend to file fewer claims and are safer drivers.
• Responsible drivers pay the best premiums – Being a careful driver can have a huge impact on auto insurance premiums. Even a single citation may increase your cost to the point where it’s not affordable. Drivers who don’t get tickets receive lower rates than people who have multiple driving citations. Drivers with careless violations such as DWI, reckless driving or hit and run convictions may be required to maintain a SR-22 with their state motor vehicle department in order to prevent their license from being revoked.
• Lower miles driven equals lower premium – Driving a lot of miles in a year the more you’ll pay to insure your vehicle. A lot of insurance companies charge to insure your cars based upon how the vehicle is primarily used. Cars and trucks that sit idle most of the time can get a lower rate than vehicles that have high annual mileage. Improper usage on your X-90 is just wasting money. It’s always a good idea to double check that your insurance coverage policy states how each vehicle is driven.
• Premiums also based on gender – Over the last 30 years, statistics show that women are safer drivers than men. However, this does not mean females are better at driving than males. Females and males are responsible for auto accidents at a similar rate, but the males cause more damage and cost insurance companies more money. They also receive more costly citations like DWI (DUI) or reckless driving.
• Stay claim-free and lower premiums – If you’re an insured who likes to file claims you shouldn’t be surprised to get higher rates. Auto insurance companies give cheaper rates to policyholders who do not rely on their insurance for small claims. Your insurance policy is designed for more catestrophic claims.
• Car and home together may be cheaper – Some companies give a discount to insureds that buy multiple policies, otherwise known as a multi-policy discount. The discount can add up to ten or even up to twenty percent in some cases. Even though this discount sounds good, drivers will still want to compare other company rates to ensure the best deal.There is a chance you can save even more by buying insurance from more than one company.
• Uninterrupted coverage saves money – Having a lapse in insurance coverage can be a sure-fire way to drive up your policy premiums. And not only will insurance be more expensive, being ticketed for driving with no insurance can result in a revoked license or a big fine.

Car insurance coverage considerations

Having a good grasp of your policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are typical coverage types found on most car insurance policies.

Collision coverage protection

Collision insurance pays for damage to your X-90 caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sideswiping another vehicle, crashing into a building, rolling your car, colliding with a tree and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive insurance

This will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a deer, vandalism, a broken windshield, fire damage and damage from flooding. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for short-term medical expenses for hospital visits, chiropractic care, prosthetic devices and funeral costs. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Liability coverage

This coverage provides protection from damage or injury you incur to people or other property. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things like repair bills for other people’s vehicles, structural damage, medical expenses, attorney fees and medical services. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Suzuki X-90.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally these limits do not exceed the liability coverage limits.

One last thing

Some companies may not offer online price quotes regional carriers prefer to sell through independent agents. The cheapest 1996 Suzuki X-90 insurance can be found online and from local agencies, and you should be comparing both to get a complete price analysis.

Throughout this article, we presented some good ideas how to get a better price on 1996 Suzuki X-90 insurance. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced car insurance comes from an unexpected company. They may cover specific market segments cheaper as compared to the big name companies such as Allstate, Geico and Progressive.

When you buy car insurance online, it’s a bad idea to buy less coverage just to save a little money. There have been many situations where consumers will sacrifice collision coverage only to discover later that it was a big mistake. The proper strategy is to buy the best coverage you can find at the lowest possible cost, but do not skimp to save money.

Even more information can be found in these articles:

• Distracted Driving Statistics (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)
• Vehicle Size and Weight FAQ (iihs.org)
• Information for Teen Drivers (Geico)