How Much Does 1998 Suzuki Esteem Insurance Cost?

Car owners fed up with high insurance quotes and are new to buying insurance coverage online could find purchasing cheap car insurance is nearly impossible.

Why informed consumers pay less for Suzuki Esteem insurance

Many things are part of the calculation when you quote your car insurance policy. Some factors are common sense like your driving record, but other factors are less apparent like your continuous coverage or how financially stable you are.An important part of buying insurance is that you know some of the factors that play a part in calculating the rates you pay for insurance coverage. When you know what positively or negatively positively or negatively impacts your premiums, this enables you to make decisions that can earn you big savings.

• Vehicles with better crash test results cost less to insure – Cars with five star safety ratings tend to have better insurance rates. Safe vehicles protect occupants better and better occupant protection means less money paid by your insurance company and lower rates for you. If the Suzuki Esteem scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
• Consolidate policies to earn discounts – Most insurers will give better rates to insureds that buy multiple policies, otherwise known as a multi-policy discount. Even though this discount sounds good, drivers will still want to compare other insurance prices to guarantee you are still saving the most.There is a chance you can save even more even if you insure with multiple companies
• Prices impacted by your city – Having an address in less populated areas can save you money when buying insurance coverage. Fewer drivers translates into fewer accidents. City drivers have more road rage incidents and more time behind the wheel. More time on the road means higher likelihood of an accident.
• Getting married reduces risk – Walking down the aisle may cut your premiums compared to being single. Marriage may mean you are more financially stable and it’s statistically proven that married drivers tend to have fewer serious accidents.
• Safeguard your assets with liability insurance – The liability coverage on your policy kicks in in the event that a court rules you are at fault for causing damage or personal injury in an accident. This coverage provides legal defense coverage to attempt to prove you were not liable. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
• Older drivers save more – Teenage drivers are proven to be careless and easily distracted behind the wheel therefore insurance coverage rates are much higher. Older drivers are more responsible, statistically cause fewer accidents , and usually have better credit.
• Increase physical damage deductibles and save – Physical damage coverage, aka comp and collision, protects your Suzuki from damage. Some examples of claims that would be covered are running into the backend of another car, hitting a deer, or theft. Comprehensive and collision coverage deductibles define how much you are willing to pay if you file a covered claim. The more money you are required to pay out-of-pocket, the better rate you will receive on Esteem coverage.

Shop car insurance online

Effectively comparing car insurance prices is a ton of work if you don’t understand the most efficient way. You could waste a few hours discussing policy coverages with insurance agencies in your area, or you can utilize online quotes to get rate comparisons in just a few minutes.

Most of the larger companies take part in a program where prospective buyers submit their information once, and every company then returns a price quote based on the submitted data. This prevents consumers from doing quote forms to every company.

To access this free quoting program, click here (opens in new window).

The one disadvantage to using this type of system is you don’t know exactly which providers you want pricing from. If you would rather choose individual companies to compare prices, we have a page of the cheapest car insurance companies in your area. Click to view list.

Whichever method you choose, try to keep equivalent coverage limits with each company. If you have different limits and deductibles on each one then you won’t be able to determine the lowest rate for your Suzuki Esteem. Slightly different coverages can mean a large discrepancy in price. And when comparison shopping, comparing more quotes will increase your chances of finding more affordable insurance. Not every company allows you to get quotes online, so it’s important to also get price quotes from them, too.

Discounts for cheap insurance rates

Companies offering auto insurance don’t always list every available discount in a way that’s easy to find, so the following list contains both the well known as well as some of the hidden ways to save on insurance.

• Membership in Organizations – Belonging to qualifying clubs or civic groups is a simple method to lower premiums on your next renewal.
• Safety Restraint Discount – Using a seat belt and requiring all passengers to use their safety belts can save a little on medical payment and PIP coverage.
• No Claims – Claim-free drivers are rewarded with significantly better rates on car insurance quote in comparison to insureds who have frequent claims or accidents.
• Early Switch Discount – Some insurance companies provide a discount for switching policies early. You may see this discount when you get car insurance quotes online.
• Multiple Cars – Buying coverage for multiple cars with one company qualifies for this discount.
• Theft Deterent Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
• Drive Safe and Save – Accident-free drivers can save as much as half off their rates on Esteem coverage than their less cautious counterparts.
• Passenger Safety Discount – Factory air bags or automatic seat belts can qualify for discounts of 20 to 30 percent.
• Anti-lock Brakes – Cars, trucks, and SUVs that have anti-lock braking systems can stop better under adverse conditions and therefore earn up to a 10% discount.
• Federal Government Employee – Active or retired federal employment can earn a discount up to 10% on Esteem coverage depending on your company.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, insurance companies aren’t that generous.

Some of the insurance companies who may offer these money-saving discounts may include but are not limited to:

• Geico
• MetLife
• State Farm
• Progressive
• Mercury Insurance
• 21st Century
• Allstate

Before purchasing a policy, check with all companies you are considering which discounts can lower your rates. Depending on the company, some discounts may not be offered in every state.

Tailor your insurance coverage to you

When it comes to buying coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different.

For instance, these questions may help highlight whether or not you might need an agent’s assistance.

• Why do I need rental car insurance?
• When should my teen driver be added to my policy?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Is my Suzuki Esteem covered if I use it for business?
• Can I still get insurance after a DUI?
• Do I need to file an SR-22 for a DUI in my state?
• Are my friends covered when driving my 1998 Suzuki Esteem?
• Does my policy cover my teen driver if they drive my company car?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Insurance coverages and their meanings

Having a good grasp of your policy can help you determine which coverages you need for your vehicles. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Collision insurance

This pays to fix your vehicle from damage resulting from a 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 coverage pays for claims like backing into a parked car, crashing into a building and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, hitting a bird, damage from flooding, vandalism and a broken windshield. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability auto insurance

Liability insurance will cover damage or injury you incur to people or other property in an accident. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as emergency aid, medical expenses and funeral expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Suzuki Esteem.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as nursing services, EMT expenses, surgery, prosthetic devices and pain medications. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Knowledge is power

Cheap 1998 Suzuki Esteem insurance is possible online and from local insurance agents, and you should compare rates from both to get a complete price analysis. Some insurance coverage companies may not provide the ability to get a quote online and these regional carriers only sell through independent agencies.

We just presented many ways to save on 1998 Suzuki Esteem insurance. The key concept to understand is the more you quote car insurance, the better your chances of lowering your premium rates. You may even discover the lowest car insurance rates are with a lesser-known regional company.

Consumers who switch companies do it for a number of reasons such as high prices, extreme rates for teen drivers, an unsatisfactory settlement offer or even questionable increases in premium. No matter why you want to switch, finding the right insurance coverage provider is actually quite simple.

Additional information is available at the links below

• A Tree Fell on Your Car: Now What? (Allstate)
• Vehicle Insurance in the U.S. (Wikipedia)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Teen Driving Statistics (iihs.org)