Cheap 1999 Isuzu Rodeo Insurance Quotes

Looking for cheaper car insurance rates for your Isuzu Rodeo? Comparing insurance coverage quotes online might seem complicated at first if you are like most people and have never completed online price quotes. Don’t be overwhelmed because finding affordable coverage online is easier than you think.

You should take the time to get comparison quotes every six months because car insurance prices are usually higher with each renewal. Even if you think you had the best quotes for Rodeo insurance two years ago you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re about to find out how to use online quotes to get good coverage at a lower rate.

Where can I get cheap insurance coverage?

There are a lot of ways to compare insurance coverage prices but some are easier and takes less work. You can spend countless hours talking to insurance companies in your area, or you can stay home and use the internet to get pricing more quickly.

All the larger companies take part in a program where insurance shoppers enter their policy data once, and every company can give them a price for coverage. This eliminates the need for quote requests to every company.

To find out how much you can save on insurance coverage click here to start a free quote.

The only drawback to doing it this way is you cannot specify the insurers you want to price. If you wish to select individual companies to receive pricing from, we have assembled a list of low cost insurance coverage companies in your area. Click to view list.

Whichever way you use, compare identical coverages for every quote you compare. If your comparisons have different deductibles it will be very difficult to make a fair comparison for your Isuzu Rodeo. Even a minor difference in limits may cause a big price difference. And when quoting insurance coverage, remember that comparing all the rates in your area helps locate lower pricing. Not every company does prices over the internet, so it’s recommended that you also compare price quotes from them, too.

Insurance discounts are available to reduce your rates

Car insurance is not cheap, but you might be missing out on some discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you quote, but some discounts are required to be inquired about prior to receiving the credit.

  • Drive Less and Save – Keeping the miles down on your Isuzu could earn cheaper prices.
  • Military Discounts – Having a deployed family member could be rewarded with lower prices.
  • Paperwork-free – A few larger online companies will discount your bill up to fifty bucks for signing up on your computer.
  • ABS and Traction Control Discounts – Cars with ABS and/or traction control can stop better under adverse conditions so you can save 10 percent or more.
  • Discount for Passive Restraints – Factory options such as air bags or motorized seat belts can receive discounts of 20 to 30 percent.
  • Club Memberships – Being in a civic or occupational organization may earn a discount on your bill.
  • Accident Forgiveness – This one isn’t a discount, but companies like Progressive, Allstate, and Geico permit an accident without raising rates so long as you haven’t had any claims for a certain period of time.
  • Switch and Save Discount – Some larger companies reward drivers for signing up prior to your current policy expiration. You can save around 10% with this discount.
  • Driver Training Discounts – Successfully completing a course teaching safe driver skills could earn you a small percentage discount and make you a better driver.
  • Accident Free – Claim-free drivers get the best insurance rates when compared with drivers who are more careless.

One last thing about discounts, most credits do not apply to all coverage premiums. Most only reduce individual premiums such as physical damage coverage or medical payments. Despite the appearance that all those discounts means the company will pay you, you aren’t that lucky.

The best insurance companies and some of the premium reductions they offer are:

  • Geico may have discounts that include daytime running lights, driver training, defensive driver, multi-vehicle, and anti-theft.
  • Mercury Insurance has savings for low natural disaster claims, multi-car, professional/association, age of vehicle, multi-policy, good student, and type of vehicle.
  • Farmers Insurance has discounts for switch companies, mature driver, pay in full, business and professional, bundle discounts, and alternative fuel.
  • Auto-Owners Insurance offers discounts for safe driver, anti-theft, anti-lock brakes, multi-policy, paid in full, air bags, and good student.
  • Liberty Mutual discounts include multi-car, multi-policy, newly retired, hybrid vehicle, and new graduate.
  • SAFECO policyholders can earn discounts including bundle discounts, drive less, homeowner, multi-car, teen safe driver, and anti-lock brakes.
  • Progressive may offer discounts for online signing, multi-vehicle, multi-policy, homeowner, continuous coverage, and online quote discount.
  • USAA includes discounts for multi-policy, defensive driver, family discount, multi-vehicle, vehicle storage, and driver training.

If you need low cost insurance coverage quotes, ask all companies you are considering which discounts they offer. Some of the discounts discussed earlier may not apply in every state. To choose companies that offer discounts, click here.

Why you might pay higher rates

Many things are part of the equation when premium rates are determined. Some of the criteria are obvious like an MVR report, although others are not quite as obvious such as your marital status or how safe your car is.Part of the insurance buying process is learning the factors that aid in calculating insurance rates. If you have a feel for what controls the rates you pay, this helps enable you to make changes that will entitle you to lower rates.

  • Only buy coverage you need – Policies have extra bells and whistles that can add up if you aren’t diligent. Insurance for vanishing deductibles, high-cost glass coverage, and term life insurance may be wasting your money. They may sound like good ideas when you first buy your policy, but if you have no use for them eliminate the coverages to reduce your premium.
  • Know your credit rating – Credit rating can be a huge factor in calculating your insurance rates. If your credit rating could use some work, you may save money insuring your 1999 Isuzu Rodeo if you improve your credit rating. Insureds with very high credit ratings tend to be better risks to insure than those with poor credit.
  • The more you drive the more you pay – Driving more miles each year the more you will pay for insurance. Almost all companies calculate prices based upon how much you drive. Cars that are left in the garage get more affordable rates than vehicles that are driven to work every day. Having an incorrect usage rating on your Rodeo is throwing money out the window. Ask your agent if your vehicle rating states the correct usage, because improper ratings can cost you money.
  • Lower stress equals lower premiums – Did you know that where you work can have an impact on rates? Occupations like doctors, business owners and emergency personnel generally pay the highest rates in part from high stress and incredibly demanding work hours. On the other hand, jobs like scientists, athletes and homemakers have lower than average premiums for Rodeo insurance.

Everyone needs different insurance coverage coverages

When choosing the right insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s needs are different.

These are some specific questions can aid in determining if you will benefit from professional help.

  • Are all vehicle passengers covered by medical payments coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I buy more coverage than the required minimum liability coverage?
  • Why is insurance for a teen driver so high?
  • Which is better, split liability limits or combined limits?
  • I have good health insurance, so how much medical payments coverage do I need?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance coverage specifics

Learning about specific coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage to your Isuzu Rodeo.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Liability car insurance – This coverage protects you from damage that occurs to people or other property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as court costs, funeral expenses and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Insurance for medical payments – Med pay and PIP coverage kick in for bills for things like EMT expenses, ambulance fees, X-ray expenses and prosthetic devices. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like scraping a guard rail, rolling your car and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) – This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a deer, theft and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Affordable insurance is out there

Insureds who switch companies do it for a variety of reasons including lack of trust in their agent, questionable increases in premium, unfair underwriting practices or being labeled a high risk driver. Whatever your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

Lower-priced 1999 Isuzu Rodeo insurance is definitely available online and also from your neighborhood agents, so you need to quote insurance coverage with both in order to have the best chance of saving money. A few companies may not provide online rate quotes and most of the time these smaller companies provide coverage only through independent agents.

When trying to cut insurance costs, it’s not a good idea to reduce coverage to reduce premium. There have been many cases where drivers have reduced uninsured motorist or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible for the lowest price, but do not sacrifice coverage to save money.

Additional information

Comments About 1999 Isuzu Rodeo Insurance

  1. Jamar Stuart

    Progressive and Allstate had the best prices I found in Alaska.

  2. Kathrin Alexander

    I’m in the west part of San Jose, California. I got free rates from AIG Insurance, Mercury, and USAA for my 1999 Isuzu Rodeo and saved just over $60 a year. Have an at-fault accident tho. Wish I didn’t have to insure at all.

  3. Grisel Sanders

    I’m in Chesapeake, Virginia and need high risk coverage. Help!

  4. France Allison

    Thanks for putting this site together. I’m in Lewiston, ME. I compared lots of rates. Saved darn near $20 a month. 21st Century was the cheapest option for me.

  5. Chris Chandler

    If you have a good history and are close to Denver, CO, check out GEICO. You might get cheaper rates. Insured with Hartford before. You can get a rate quote online. I don’t have comp or collision coverage.

  6. Annabelle Ross

    I got a good deal I think. From south side of San Jose, CA. Can’t remember who all I quoted but I ended up saving about $20 each month. Insured with State Farm before. Not sure if rates are cheaper online or through an agent. Book value doesn’t justify full coverage anymore.

  7. Ilona Mendoza

    I can’t pay high rates. Got a quote with Liberty Mutual for my 1999 Isuzu Rodeo and saved around $90 a year. Insured with The General before.

  8. Colby Weeks

    Here’s what I found out. I live south of Burlington, VT. I quoted with Safeco, Erie, Allstate, and Amica for my Isuzu and saved $114 a year. Was with Liberty Mutual. Switched homeowners coverage too. Wish I didn’t have to insure at all. Liability only on my Rodeo.

  9. Delphine Booth

    I’m in Biloxi, MS and need high risk coverage. Help!

  10. Katelyn Ballard

    Cheaper car insurance is a myth. Proud to be from Fort Smith, AR. Quoted with Allstate, Auto-Owners, and some I forget for my 1999 Isuzu Rodeo and I’m now saving $22 a month. Get lots of quotes to find the best rate. I don’t have comp or collision coverage.

  11. Eddie Miranda

    Just my two cents. I live in Concord, NH. Went online for free insurance quotes for a 1999 Isuzu Rodeo. Ended up at about $70 savings annually. Went with Progressive.