How Much Does 1997 Isuzu Rodeo Car Insurance Cost?

Searching for cheaper insurance rates for your Isuzu Rodeo? Locating cheaper insurance for your Isuzu Rodeo can turn out to be difficult, but you can learn the following methods to save time.

There are more efficient ways to find insurance online so you’re going to learn the best way to quote coverages on a Isuzu and find the best price possible from both online companies and local agents.

First Step: Get free insurance coverage quotes

Effectively comparing insurance coverage prices is a ton of work if you don’t know the easiest way. You could waste time driving to insurance agencies in your area, or you can utilize the internet to accomplish the same thing much quicker.

Most major companies enroll in a system where prospective buyers submit their information once, and at least one company then gives them pricing. This system prevents you from having to do form submissions for each company.

To fill out one form to compare multiple rates now click here (opens in new window).

The single downside to comparing rates this way is that you can’t choose which carriers to get quotes from. If you prefer to choose individual companies to compare prices, we have assembled a list of insurance coverage companies in your area. View list of insurance companies.

Take whichever approach you prefer, but try to keep nearly identical coverage data with every price quote. If you compare different data it will be next to impossible to make an equal comparison.

Discount insurance coverage rates

Insurance coverage can be pricey, but you might be missing out on some discounts to reduce the price significantly. Certain discounts will be triggered automatically when you quote, but occassionally some discounts must be asked for prior to receiving the credit.

• Memberships – Belonging to qualifying clubs or civic groups could earn you a nice discount on insurance coverage.
• Telematics Discount – Policyholders that allow their insurance coverage company to look at driving manner by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction as long as they are good drivers.
• Payment Method – By paying your policy upfront as opposed to paying monthly you can avoid monthly service charges.
• Military Rewards – Being deployed in the military could be rewarded with lower rates.
• Online Discount – Many companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.

One last thing about discounts, most discount credits are not given to the entire policy premium. Some only reduce specific coverage prices like medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, you aren’t that lucky.

The best insurance coverage companies and their possible discounts can be found below.

• Geico offers discounts for driver training, seat belt use, membership and employees, emergency military deployment, five-year accident-free, and defensive driver.
• SAFECO offers discounts including anti-lock brakes, teen safety rewards, bundle discounts, drive less, safe driver, and multi-car.
• State Farm includes discounts for defensive driving training, Steer Clear safe driver discount, multiple autos, anti-theft, good student, and accident-free.
• MetLife may offer discounts for good student, defensive driver, good driver, multi-policy, claim-free, accident-free
• 21st Century may have discounts that include automatic seat belts, driver training, anti-lock brakes, student driver, and 55 and older.
• Progressive policyholders can earn discounts including good student, online signing, continuous coverage, homeowner, and multi-policy.

When comparing rates, check with every prospective company to apply every possible discount. Discounts may not be offered everywhere. To view providers that offer discounts, click here.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine if your situation could use an agent’s help.

• Are my tools covered if they get stolen from my vehicle?
• I don’t drive much so do I pay less?
• Am I covered when pulling a rental trailer?
• Should I buy only the required minimum liability coverage?
• Is extra glass coverage worth it?
• How can I find cheaper teen driver insurance?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

How your Rodeo insurance premiums are determined

One of the most helpful ways to save on insurance is to to have a grasp of some of the things that aid in calculating your insurance rates. If you have some idea of what determines premiums, this helps enable you to make changes that will entitle you to lower rates. Many things are part of the calculation when premium rates are determined. Some are pretty understandable such as your driving history, although others are more transparent such as whether you are married or your commute time.

The list below includes some of the items companies use to determine your prices.

• Too many insurance claims and you’ll pay more – Insurance companies give better rates to insureds who do not file claims often. If you are the type of insured that files lots of claims you can expect much higher rates or policy non-renewal. Insurance coverage is designed for the large, substantial claims.
• Women pay lower premiums – Statistics show females are less aggressive when driving. The data does not necessarily mean that women are better drivers. Females and males are responsible for at-fault accidents in similar numbers, but the males cause more damage and cost insurance companies more money. Men also tend to get higher numbers of serious violations like reckless driving and DUI. Youthful male drivers are the most expensive to insure and are penalized with high insurance rates.
• Where do you drive? – The more you drive your Isuzu in a year’s time the higher your rates will be. A lot of insurance companies charge rates based upon how you use the vehicle. Cars and trucks that are left in the garage can be on a lower rate level than vehicles that are driven to work every day. An incorrectly rated Rodeo can result in significantly higher rates. Ask your agent if your insurance coverage is showing the correct usage.
• You may save more by bundling policies – Most insurance companies provide discounts to policyholders who buy several policies from them. It’s known as a multi-policy discount. If you currently are using one company, drivers will still want to compare rates to guarantee you are still saving the most.There is a chance you can find lower rates even if you insure with multiple companies
• Insurance rates and employer – Careers like fire fighters, business owners and dentists are shown to have higher average rates attributed to intense work-related stress and lots of time spent at work. On the flip side, jobs like farmers, students and retirees have lower than average premiums on Rodeo insurance.
• Better insurance rates on vehicles with better crash test results – Vehicles that have high safety ratings are cheaper to insure. The safest vehicles reduce injuries and fewer serious injuries means your insurance company pays less and thus lower rates. If your Isuzu Rodeo has ratings of a minimum four stars on Safercar.gov you may be receiving a better rate.
• Do you know you’re credit history? – A driver’s credit rating is likely to be a major factor in determining your rates. If your credit can be improved, you could be paying less to insure your 1997 Isuzu Rodeo by spending a little time repairing your credit. Insureds with good credit tend to be more responsible than those with poor credit.

Why you might not save $410 a year

Consumers can’t avoid all the ads for cheaper car insurance from companies such as State Farm and Allstate. All the companies state the claim about saving some big amount if you change your policy.

How does every car insurance company have lower policy pricing? It’s all in the numbers.

Different companies look for specific characteristics for the type of customer they prefer to insure. An example of this type of driver should be married and over the age of 30, has a low-risk occupation, and drives less than 10,000 miles a year. A customer who fits that profile will get the preferred prices and have a good chance to save some money.

Insureds who do not meet the requirements may be forced to pay higher premiums which results in the customer not purchasing. The ad wording is “customers that switch” but not “all drivers who get quotes” save the amount stated. This is how companies can truthfully advertise the way they do.

Because of this risk profiling, you really should compare many company’s premium rates. It’s just not possible to know which company will provide the lowest auto insurance rates.

Coverage specifics

Knowing the specifics of your policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for bills for things like doctor visits, dental work, X-ray expenses, hospital visits and nursing services. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your 1997 Isuzu Rodeo.

Since a lot of 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 should not be overlooked. Usually these coverages are similar to your liability insurance amounts.

Liability

This provides protection from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as loss of income, repair bills for other people’s vehicles, medical services, attorney fees and pain and suffering. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Collision protection

This coverage pays for damage to your Rodeo resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like rolling your car, colliding with a tree, sustaining damage from a pot hole and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hail damage, theft, vandalism and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Save your cold hard cash

You just learned some good ideas how to shop for 1997 Isuzu Rodeo insurance online. It’s most important to understand that the more companies you get premium rates for, the better your comparison will be. You may even find the best price on insurance is with some of the smallest insurance companies.

Low-cost 1997 Isuzu Rodeo insurance can be bought from both online companies as well as from insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance providers may not offer rates over the internet and most of the time these smaller providers work with independent agents.

Consumers change insurance companies for a number of reasons such as not issuing a premium refund, lack of trust in their agent, denial of a claim or delays in responding to claim requests. Regardless of your reason, choosing a new company can be easy and end up saving you some money.

More resources

• Credit Impacts Car Insurance Rates (State Farm)
• Top Signs Your Brakes are Giving Out (State Farm)
• Information for Teen Drivers (Geico)
• Coverage Information (Progressive Insurance)