1997 Suzuki Sidekick Insurance Quotes – 10 Tips to Save

Looking for cheaper insurance rates for your Suzuki Sidekick? Finding cheaper insurance for a Suzuki Sidekick can be an all-consuming task, but you can learn our insurance buying tips to save time.

There are more efficient ways to shop for insurance and we’ll show you the best way to quote coverages for your Suzuki and obtain the cheapest rates from both online companies and local agents.

It’s a great practice to get comparison quotes occasionally since insurance prices are rarely the same from one policy term to another. Just because you found the best deal on Sidekick coverage two years ago you can probably find a lower rate today. Forget all the misinformation about insurance because it’s time to teach you the easiest way to find lower rates on insurance.

How to get free car insurance quotes online

Reducing your 1997 Suzuki Sidekick insurance rates is pretty simple and can save money. Drivers just need to spend a few minutes on the computer comparing free auto insurance quotes online from several insurance companies. It’s super easy and can be done by using one of the methods below.

1. The first (and easiest) way to compare a lot of rates at once would be an industry-wide quote request form (click to open form in new window). This quick form eliminates the need for separate quotes for every company. Taking the time to complete one form will get you price quotes from all major companies. This is by far the quickest method.
2. Another way to analyze rates requires a visit to each company website and go through the quote process again. For sake of this example, we’ll assume you are doing a rate comparison from State Farm, Allstate and Liberty Mutual. You would need to spend time on each company’s site to enter your coverage information, which can be really labor intensive. For a list of links to insurance companies in your area, click here.

Take whichever approach you prefer, but make absolute certain that you use identical coverage information for every company. If you enter mixed coverages it will be next to impossible to make a fair rate comparison.

Save $390 a year. For real?

Consumers can’t avoid all the ads for car insurance savings by companies like State Farm, Allstate and Geico. They all seem to tend to make the same promise that drivers can save some big amount after switching your policy.

How is it plausible that every one can charge you less for auto insurance? It’s all in the numbers.

Different companies quote the lowest rates for the type of customer that earns them the highest profit. One example of this type of risk profile may be between the ages of 30 and 50, has had continuous coverage, and drives a vehicle with a low ISO rating. Any new insured that matches those criteria may get the lowest auto insurance rates and have a good chance to cut their rates substantially.

Insureds who fall short of the “perfect” profile may receive a more expensive rate with the end result being the customer buying from a different company. The ads state “drivers that switch” not “everyone who quotes” will save that much if they switch. That’s the way companies can truthfully make those statements.

This illustrates why drivers must compare free auto insurance quotes often. It is impossible to predict which company will have the lowest rates.

Drivers save money with these ten discounts

Some companies don’t always advertise every discount in an easy-to-find place, so the next list breaks down some of the best known in addition to some of the lesser obvious discounts that you can inquire about if you buy auto insurance online.

• Membership in Organizations – Belonging to a civic or occupational organization is a simple method to lower premiums on your next renewal.
• Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts can save a little off PIP or medical payments premium.
• Lower Rates for Military – Having a family member in the military could mean lower rates.
• Savings for New Vehicles – Buying coverage on a new vehicle can get you a discount because newer models have to meet stringent safety requirements.
• Federal Government Employee – Being employed by or retired from a federal job may reduce rates when you quote auto insurance on Sidekick coverage with certain companies.
• ABS and Traction Control Discounts – Vehicles with ABS braking systems or traction control are safer to drive and qualify for as much as a 10% discount.
• Accident-Free Discounts – Drivers with accident-free driving histories have much lower rates in comparison to drivers with a long claim history.
• Safe Drivers – Accident-free drivers can save as much as half off their rates on Sidekick coverage compared to rates paid by drivers with frequent claims.
• Multiple Cars – Drivers who insure multiple vehicles with the same company can get a discount on all vehicles.
• Early Payment Discounts – If you can afford to pay the entire bill as opposed to paying monthly you could save up to 5%.

It’s important to understand that most credits do not apply the the whole policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. Even though the math looks like you would end up receiving a 100% discount, that’s just not realistic. Any amount of discount should help lower the cost of coverage.

Companies and their offered discounts can be read below.

• AAA offers discounts including multi-car, good student, good driver, AAA membership discount, pay-in-full, education and occupation, and anti-theft.
• Progressive policyholders can earn discounts including good student, online quote discount, continuous coverage, online signing, multi-policy, homeowner, and multi-vehicle.
• State Farm offers discounts for defensive driving training, passive restraint, multiple policy, anti-theft, and accident-free.
• Esurance may offer discounts for safety device, emergency road assistance, good student, renters, DriveSense, anti-lock brakes, and online quote.
• Nationwide may have discounts that include accident-free, anti-theft, defensive driving, good student, multi-policy, and business or organization.

If you need lower rates, check with all companies you are considering which discounts can lower your rates. Discounts may not apply in your area. To view providers who offer online car insurance quotes, click here.

Special considerations

When choosing adequate coverage for your vehicles, there is no perfect coverage plan. Every insured’s situation is different.

These are some specific questions could help you determine if you might need an agent’s assistance.

• Are my friends covered when driving my 1997 Suzuki Sidekick?
• Should I bundle my homeowners policy with my auto?
• Do I need motorclub coverage?
• What exactly is covered by my policy?
• Does insurance cover damages from a DUI accident?
• How much can I save by bundling my policies?
• Is rental equipment covered for theft or damage?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Auto insurance coverage information

Knowing the specifics of your auto insurance policy can help you determine which coverages you need and proper limits and deductibles. Auto insurance terms can be confusing and reading a policy is terribly boring.

Coverage for collisions

Collision insurance covers damage to your Sidekick from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like sideswiping another vehicle, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like funeral costs, dental work and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Coverage for liability

This coverage will cover injuries or damage you cause to other people or property. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like bail bonds, repair costs for stationary objects, court costs and legal defense fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Protection from uninsured/underinsured drivers

This gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your Suzuki Sidekick.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like a tree branch falling on your vehicle, damage from a tornado or hurricane, hitting a deer, theft and damage from getting keyed. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Get your money’s worth

Lower-priced 1997 Suzuki Sidekick insurance can be found from both online companies and with local insurance agents, and you should compare rates from both to have the best selection. Some insurance providers do not provide online quoting and many times these small, regional companies only sell coverage through local independent agents.

We just presented a lot of information how to save on 1997 Suzuki Sidekick insurance. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding cheaper auto insurance. Consumers could even find that the biggest savings come from a small local company.

People change insurance companies for any number of reasons including high rates after DUI convictions, denial of a claim, not issuing a premium refund or questionable increases in premium. It doesn’t matter why you want to switch switching companies is not as difficult as it may seem.

More tips and info about auto insurance can be found in these articles:

• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Comprehensive Coverage (Liberty Mutual)
• Credit and Insurance Scores (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)