How Much Does 1998 Suzuki Sidekick Car Insurance Cost?

Are you overwhelmed by the wide range of insurance coverage choices? people have such a large number of options that it is hard work to lower your rates.

If you currently have a car insurance policy, you will be able to reduce your rates substantially using this information. This article will let you in on the best way to quote coverages and some tricks to saving. But consumers do need to understand the methods companies use to market on the web.

The Suzuki Sidekick insurance premium equation

Smart consumers have a good feel for the factors that go into determining the level of your policy premiums. If you know what determines premiums, this helps enable you to make changes that could result in lower premium levels. Multiple criteria are taken into consideration when quoting car insurance. Most are fairly basic like an MVR report, but other factors are less apparent like your vehicle usage or your financial responsibility.

The following are a few of the things utilized by car insurance companies to help set your rates.

• More policies can equal more savings – The majority of insurance companies will give lower prices to policyholders who carry more than one policy, otherwise known as a multi-policy discount. Even if you qualify for this discount already, you may still want to compare other company rates to make sure you are getting the best deal. Drivers may still save even more by buying from different companies
• Do you know you’re credit history? – A driver’s credit score factor in calculating your insurance coverage rates. People that have excellent credit tend to be better risks to insure than drivers who have lower ratings. So if your credit could use some work, you could pay less to insure your 1998 Suzuki Sidekick by taking the time to improve your credit score.
• Never go without insurance coverage – Allowing your insurance coverage policy to lapse is a quick way to drive up your policy premiums. In addition to paying higher premiums, the inability to provide proof of insurance could earn you a steep fine or even jail time.
• Insurance is expensive for teenage drivers – Young drivers are statistically proven to be inattentive when driving with friends therefore insurance coverage rates are much higher. Parents adding a first-time driver onto your insurance coverage can cause a big jump in price. Older insureds are proven to be safer behind the wheel, are lower risk to insure , and are generally more financially stable.
• Men pay more for insurance – The statistics show women are more cautious behind the wheel. Now that doesn’t mean females are better drivers. Males and females cause at-fault accidents in similar numbers, but the men cause more damage and cost insurance companies more money. They also have more aggressive citations like DWI (DUI) or reckless driving.
• Driving citations can be expensive – Only having one ticket can increase the cost of insurance by as much as thirty percent. Attentive drivers get better rates as compared to careless drivers. Drivers unfortunate enough to have severe tickets such as DUI, reckless driving or excessive speeding might be required by their state to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to keep their license.
• Liability coverage limits on your policy – Liability coverage will provide protection if ever you are ruled to be at fault for an accident. It will provide you with a defense in court to attempt to prove you were not liable. Liability insurance is quite affordable compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
• Prevent your car from being stolen – Purchasing a vehicle with a theft deterrent system can get you a discount on your insurance coverage. Theft deterrent systems like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your vehicle from being stolen.

Discounts for cheap car insurance rates

Buying car insurance is not cheap, but there may be some discounts to cut the cost considerably. Many discounts should be triggered when you quote, but some need to be manually applied before you get the savings.

• Government Employee Discount – Active or former government employment may reduce rates when you quote car insurance for Sidekick insurance but check with your company.
• Pay Early and Save – If paying your policy premium upfront rather than paying monthly you may have a lower total premium amount.
• Auto/Life Discount – Larger insurance carriers have a discounted car insurance rate on car insurance if you buy a life policy as well.
• Driver’s Education for Students – Have your child take driver’s ed class as it can save substantially.
• Student in College – Kids who live away from home to go to college and won’t have access to an insured vehicle may be insured at a cheaper rate.
• Defensive Driver Discount – Completing a course in defensive driver could cut 5% off your bill depending on where you live.
• Air Bags and Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can qualify for discounts of 20 to 30 percent.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the entire policy premium. Most cut the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like adding up those discounts means a free policy, you aren’t that lucky. Any qualifying discounts will cut your policy cost.

A few popular companies and some of the discounts are outlined below.

• State Farm offers premium reductions for student away at school, accident-free, Drive Safe & Save, passive restraint, good driver, and good student.
• Geico discounts include anti-theft, multi-vehicle, multi-policy, air bags, daytime running lights, and defensive driver.
• Progressive may include discounts for multi-vehicle, online signing, homeowner, online quote discount, continuous coverage, good student, and multi-policy.
• 21st Century has discounts for theft prevention, teen driver, homeowners, 55 and older, defensive driver, and student driver.
• American Family policyholders can earn discounts including good student, accident-free, air bags, mySafetyValet, early bird, and Steer into Savings.
• The Hartford may offer discounts for vehicle fuel type, anti-theft, defensive driver, air bag, bundle, and good student.
• AAA offers discounts including multi-policy, good student, good driver, multi-car, education and occupation, and pay-in-full.

When getting a coverage quote, ask every prospective company which discounts they offer. Discounts might not be available to policyholders in your area. If you would like to see a list of insurers with discount rates, follow this link.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

For instance, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.

• Who is covered when they drive my 1998 Suzuki Sidekick?
• Do I have coverage if my license is suspended?
• Why am I be forced to buy a membership to get insurance from some companies?
• Will my insurance pay for OEM parts?
• Is a new car covered when I drive it off the dealer lot?
• What is UM/UIM insurance?
• Where can I get insurance after a DUI in my state?
• Does my policy cover me when driving someone else’s vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Auto insurance 101

Having a good grasp of your policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Liability coverages

Liability coverage protects you from damage or injury you incur to other people or property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things like funeral expenses, pain and suffering, medical expenses, bail bonds and legal defense fees. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Auto collision coverage

This covers damage to your Sidekick from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a mailbox, colliding with a tree, scraping a guard rail and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as fire damage, damage from getting keyed and hitting a bird. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like nursing services, doctor visits, ambulance fees, prosthetic devices and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Cheaper insurance is a realistic goal

Budget-conscious 1998 Suzuki Sidekick insurance is available online and from local agencies, and you need to price shop both to have the best chance of lowering rates. A few companies do not provide internet price quotes and usually these small, regional companies sell through independent insurance agencies.

Insureds who switch companies do it for many reasons like delays in paying claims, high rates after DUI convictions, an unsatisfactory settlement offer or unfair underwriting practices. Whatever your reason, switching companies can be less work than you think.

We just presented a lot of tips how to reduce 1998 Suzuki Sidekick insurance rates online. The key concept to understand is the more companies you get auto insurance rates for, the more likely it is that you will get a better rate. You may be surprised to find that the best rates are with a small mutual company.

More detailed car insurance information can be read at these sites:

• Tread Depth and Tire Safety (State Farm)
• Think You’re a Safe Driver? (State Farm)
• Medical Payments Coverage (Liberty Mutual)
• Auto Insurance Learning Center (State Farm)
• Auto Crash Statistics (Insurance Information Insitute)
• A Tree Fell on Your Car: Now What? (Allstate)