1999 Isuzu Oasis Insurance Rates – 10 Tips to Save

Vehicle owners who are new to the process of comparison shopping online will discover locating affordable insurance coverage is quite challenging.

Smart consumers take time to get comparison quotes on a regular basis due to the fact that insurance prices are constantly changing. Just because you had the best quotes for Oasis coverage a few years ago you will most likely find a better rate today. There is a lot of wrong information about insurance online, but in just a couple of minutes you can learn some excellent ideas to find affordable insurance.

If you have car insurance now, you will most likely be able to save some money using this information. Locating affordable auto insurance coverage can be fairly easy. Nevertheless, drivers must learn how companies market on the web.

Cheaper insurance rates with discounts

Companies that sell car insurance don’t list all possible discounts very well, so the list below gives a summary of some of the more common and also the lesser-known discounts that may be available. If you do not double check each discount you qualify for, you are not getting the best rate possible.

• Home Ownership Discount – Simply owning a home can earn you a little savings because it requires personal responsibility.
• Safety Restraint Discount – Drivers who require all vehicle occupants to buckle up before driving can save a little off the PIP or medical payment premium.
• Senior Citizens – Drivers that qualify as senior citizens can possibly qualify for reduced rates for Oasis coverage.
• Defensive Driving Course – Successfully completing a course in driver safety can save you 5% or more and also improve your driving technique.
• Anti-theft Discount – Cars equipped with anti-theft or alarm systems have a lower chance of being stolen and can earn a small discount on your policy.
• Multi-policy Discount – If you can combine your auto and home policy with one company you will save at least 10% off all policies.
• Low Mileage Discounts – Low mileage vehicles can qualify you for slightly better premium rates than normal.
• Anti-lock Brake System – Cars that have anti-lock braking systems are safer to drive and earn discounts up to 10%.
• Accident-Free Discounts – Drivers who stay claim-free are rewarded with significantly better rates on insurance coverage quote when compared to insureds who have frequent claims or accidents.
• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.

It’s important to note that most discount credits are not given the the whole policy. Most only reduce the cost of specific coverages such as comp or med pay. Even though it may seem like you would end up receiving a 100% discount, it doesn’t quite work that way. But all discounts should definitely cut your policy premiums.

Large insurance companies and the discounts they provide are outlined below.

• 21st Century has savings for air bags, teen driver, theft prevention, good student, homeowners, student driver, and driver training.
• State Farm may include discounts for accident-free, good student, Drive Safe & Save, driver’s education, and safe vehicle.
• AAA offers premium reductions for good student, anti-theft, education and occupation, multi-car, good driver, and AAA membership discount.
• Liberty Mutual offers discounts for new graduate, exclusive group savings, newly retired, multi-car, new vehicle discount, hybrid vehicle, and teen driver discount.
• Progressive offers discounts including continuous coverage, multi-vehicle, online signing, multi-policy, online quote discount, and good student.

When quoting, ask each insurance company which discounts can lower your rates. Depending on the company, some discounts might not be offered on policies in your area.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique.

For example, these questions could help you determine whether you would benefit from professional advice.

• Is there coverage for injuries to my pets?
• Do I benefit by insuring my home with the same company?
• Am I covered if I break a side mirror?
• Does liability extend to a camper or trailer?
• When does my teenage driver need to be added to my policy?
• How much liability insurance is required?
• Should I buy full coverage?
• Is a blown tire covered by insurance?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Specific coverage details

Having a good grasp of a car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Isuzu Oasis.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Med pay and PIP coverage pay for expenses such as rehabilitation expenses, doctor visits, nursing services, hospital visits and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

Liability insurance can cover damages or injuries you inflict on a person or their property in an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things like bail bonds, structural damage, repair costs for stationary objects and medical services. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a building, hitting a mailbox, rolling your car, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from flooding, damage from a tornado or hurricane, rock chips in glass and hitting a deer. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Stretch your dollar

When shopping online for insurance, make sure you don’t reduce needed coverages to save money. In many cases, drivers have reduced uninsured motorist or liability limits and found out when filing a claim that it was a big error on their part. The goal is to buy enough coverage for the lowest cost, but don’t skip important coverages to save money.

Drivers who switch companies do it for a number of reasons such as policy cancellation, denial of a claim, high rates after DUI convictions or extreme rates for teen drivers. Regardless of your reason for switching companies, choosing a new insurance company can be pretty painless.

Affordable 1999 Isuzu Oasis insurance can be purchased online and with local insurance agents, so get free insurance coverage quotes from both of them so you have a total pricing picture. Some insurance companies do not offer internet price quotes and these regional carriers only sell through independent agents.

Additional detailed information can be found in the articles below:

• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Coverage Information (Progressive Insurance)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)
• How to Avoid Staged Accidents (State Farm)