2000 Isuzu Amigo Insurance Rates – 9 Ideas for Cheaper Quotes

Looking for the cheapest auto insurance rates for your Isuzu Amigo? Do you get exhausted from not being able to afford to insure your Isuzu every month? You have the same problem as millions of other consumers.

Many auto insurance companies vie to insure your vehicles, so it’s not easy to compare every insurance company to discover the definitive lowest rate

It’s a good habit to compare rates as often as possible because rates go up and down regularly. Even if you got the lowest premium rates on Amigo coverage six months ago you can probably find a better price now. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the fastest way to lower your rates without sacrificing coverage.

If you currently have car insurance, you should be able to lower your premiums substantially using these tips. Choosing the best insurance company for you is not rocket science. Nevertheless, car owners must learn how companies market on the web and apply this information to your search.

Get cheaper insurance coverage with discounts

Insurance coverage is not cheap nor is it fun to buy but there could be significant discounts that many consumers don’t even know exist. Certain discounts will be triggered automatically when you complete an application, but lesser-known reductions have to be asked about prior to getting the savings.

  • Save with a New Car – Adding a new car to your policy can save you some money because new model year vehicles are generally safer.
  • Safe Drivers – Drivers who avoid accidents can save up to 40% or more on their insurance coverage quote on Amigo coverage compared to rates paid by drivers with frequent claims.
  • Accident Forgiveness – Not really a discount, but companies like Allstate, Progressive, and Geico allow you one accident before hitting you with a surcharge if your claims history is clear prior to being involved in the accident.
  • Seat Belts Save – Drivers who require all vehicle occupants to buckle up can save 10% or more off the PIP or medical payment premium.
  • Senior Citizen Rates – Mature drivers could receive a discount up to 10% on Amigo coverage.
  • Distant Student – Youth drivers who live away from home to go to college and do not have a car may be able to be covered for less.
  • Organization Discounts – Affiliation with specific professional or occupational memberships or organizations could trigger savings on insurance coverage.
  • Homeowners Discount – Owning your own home or condo may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Drivers Education – It’s a good idea to have your young drivers enroll and complete driver’s education if it’s offered in school.

A little note about advertised discounts, most credits do not apply the the whole policy. Most only apply to individual premiums such as collision or personal injury protection. Even though it appears having all the discounts means you get insurance for free, nobody gets a free ride. But any discount will help reduce the cost of your policy.

Companies that may offer policyholders most of these discounts include:

Check with all companies you are considering which discounts can lower your rates. All car insurance discounts might not be offered in every state.

Tailor your car insurance coverage to you

When choosing proper insurance coverage, there really is not a one size fits all plan. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that might point out if your insurance needs would benefit from professional advice.

  • What vehicles should carry emergency assistance coverage?
  • Can I drive in Mexico and have coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Am I covered if I break a side mirror?
  • Does coverage extend to a rental car in a foreign country?
  • If my pet gets injured in an accident are they covered?
  • Is my state a no-fault state?
  • Am I covered if hit by an uninsured driver?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Are all vehicle passengers covered by medical payments coverage?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

Learn about insurance coverages for a 2000 Isuzu Amigo

Learning about specific coverages of a insurance policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most insurance policies.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like scraping a guard rail, hitting a mailbox and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Isuzu Amigo.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability car insurance

Liability coverage provides protection from injuries or damage you cause to a person or their property. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability can pay for claims like legal defense fees, medical expenses, emergency aid, attorney fees and funeral expenses. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Comprehensive coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like fire damage, falling objects, damage from getting keyed, hitting a bird and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like rehabilitation expenses, EMT expenses, ambulance fees, X-ray expenses and chiropractic care. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Don’t be a big spender

Discount 2000 Isuzu Amigo insurance is definitely available online as well as from independent agents, and you need to price shop both in order to have the best chance of saving money. A few companies don’t offer rate quotes online and usually these small, regional companies prefer to sell through independent insurance agencies.

As you quote insurance coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where an accident victim reduced collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your strategy should be to find the BEST coverage at the best cost while still protecting your assets.

To learn more, take a look at the articles below:

Comments About 2000 Isuzu Amigo Insurance

  1. Mike Terry

    I live east of Fort Wayne, IN. Compared quite a few companies. Saved roughly $30 a month. State Farm was the best choice for me. Insured with Mercury before. I have several vehicles insured with them.

  2. Man Berg

    If you’re a decent driver and live in the vicinity of Wilmington, DE, check out 21st Century. I saved quite a bit. Liability only on my Isuzu.

  3. Jimmy Woodard

    In Las Vegas, NV, 21st Century is a good choice. I have a teen driver too.

  4. Belia Baker

    I’m in Warwick, Rhode Island, and Allstate rates were affordable. Was with Sentry. They offer free online rate quotes. Next renewal I’ll just do liability.

  5. Lai Randolph

    I live on the south side of San Jose, CA. I quoted with Auto-Owners, Sentry, and a few others for my Isuzu and I’m now saving $19 a month. Was with USAA. They have a lot of discounts available. I just carry liability insurance.

  6. Aliza Scott

    Proud to be from Memphis, TN. Got rates from American Family, Nationwide, and a few others for my Isuzu and I think I saved about $30 each month. I used their website to get prices.

  7. Stephine Atkins

    Cheap is not always the best policy. From Norfolk, Virginia. Received prices from Auto-Owners, MetLife, and some smaller one I can’t remember the name of for my 2000 Isuzu Amigo and saved $98 a year.

  8. Yuki Hammond

    In Biloxi, Mississippi, State Farm auto insurance rates for my 2000 Isuzu Amigo were good. I recommend comparing lots of rates. It’s too old for full coverage.

  9. Elly Turner

    Compared rates with State Farm and Auto-Owners but still pricey.

  10. Cary Guy

    21st Century is decent in Denver, CO.

  11. Jamila Burt

    Will Progressive do a SR22 in Atlanta, GA?

  12. Lavonna Booth

    I’m in the suburbs of Aurora, CO. Received quotes from 21st Century, Amica, Farmers, and Liberty Mutual for my Isuzu and am saving around $80 a year. I used their online quote form to compare rates. Anyone else drop full coverage?

  13. Latonya Gallegos

    I got a good deal I think. I live in Charlotte, NC. Received quotes with Travelers, American Family, The General, and Sentry for my Amigo and I think I am saving around $20 each month. Was with State Farm. Teenage drivers are expensive! Just waiting to see how claims go. Liability only on my Isuzu.

  14. Bertha Wood

    I’m from Birmingham, Alabama. Received quotes from Progressive, Farmers, and Liberty Mutual for my 2000 Isuzu Amigo and I’m now saving $10 a month. Thankfully I have a good driving record. It’s still not cheap enough. I only have liability coverage on it.

  15. Lucia Preston

    If you have a good history and live near Madison, WI, check out 21st Century. You might save some money. Insured with Liberty Mutual before. I only have liability coverage on it.

  16. Cindy Bradshaw

    I got a good deal I think. From Honolulu, HI. Quoted rates from Progressive, Amica, and some I forget for my Amigo and saved just over $70 a year. Insured with GMAC before. Did it all online. I don’t have comp or collision coverage.

  17. Golda Bowen

    Does Mississippi require liability coverage?

  18. Deloras Figueroa

    Cheap car insurance? What’s that? From northwest of Newark, Delaware. I quoted with AIG Insurance, Encompass, and Sentry for my 2000 Isuzu Amigo and I think I saved about $30 each month. Left Nationwide to switch. I recommend comparing lots of rates. Not worth enough to pay for comprehensive and collision.

  19. Mandie Mullins

    Anyone compare Progressive and State Farm rates in Mobile, Alabama?

  20. Riva Wise

    Located in Las Vegas, NV. Don’t remember every company but I ended up saving about $20 each month. Good savings if you bundle.