2000 Isuzu Rodeo Insurance Rates

When searching for more affordable insurance, do you get frustrated by the dozens of insurance companies in your area? Drivers have so many options that it can easily turn into a challenge to lower your premium rates.

Consumers need to compare prices before your next renewal because insurance prices are constantly changing. Even if you got the lowest rates for Rodeo coverage a few years ago the chances are good that you can find a lower rate quote today. Block out anything you think you know about insurance because I’m going to teach you the quickest way to remove unneeded coverages and save money.

If you currently have a car insurance policy, you will most likely be able to save some money using this strategy. The purpose of this article is to help educate you on how to get online quotes and some money-saving tips. Nevertheless, drivers can benefit by having an understanding of how insurance companies market on the web and use this information to your advantage.

How to get free insurance coverage quotes online

There are a lot of ways you can shop for insurance coverage but one way is easier and takes less work. You can waste a few hours (or days) driving to local insurance agents in your area, or you can utilize online quoting for quick rates.

All the larger companies participate in a marketplace that enables customers to submit one quote, and each participating company then gives them pricing based on that information. This prevents consumers from doing quote forms for each company. To find out how much you’re overpaying now click here to open in new window.

The one disadvantage to using this type of form is that you can’t choose which providers you want to price. If you prefer to choose from a list of companies to compare prices, we have a page of companies who write insurance coverage in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just compare apples-to-apples coverage information on every quote. If your comparisons have higher or lower deductibles you will not be able to truly determine the lowest rate. Just a small difference in limits can make a big difference in price. And when price shopping your coverage, quoting more will increase your chances of finding the best rates. Not every company allows you to get rate quotes online, so it’s necessary to compare price quotes on coverage from those companies, too.

Get cheaper rates with these discounts

The cost of insuring your cars can be expensive, but you might be missing out on some discounts to reduce the price significantly. A few discounts will be applied at quote time, but a few must be requested specifically prior to getting the savings. If you are not receiving all the discounts available, you’re just leaving money on the table.

  • Anti-theft System – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Own a Home – Just owning your own home may earn you a small savings due to the fact that maintaining a home is proof of financial responsibility.
  • Save with More Vehicles Insured – Buying coverage for more than one vehicle with one company can get a discount for every vehicle.
  • Safety Restraint Discount – Drivers who require all occupants to buckle up can save up to 15% on the medical payments or PIP coverage costs.
  • Safety Course Discount – Completing a course teaching driver safety skills is a good idea and can lower rates and easily recoup the cost of the course.
  • E-sign Discounts</strong – Some of the larger companies provide a small discount for buying a policy and signing up on their website.
  • Low Mileage – Driving fewer miles could be rewarded with substantially lower auto insurancerates.
  • Waiver for an Accident – This isn’t a discount exactly, but companies like State Farm and Geico permit an accident before raising your premiums if your claims history is clear for a particular time prior to the accident.

As a sidenote, some credits don’t apply to the overall cost of the policy. Most only reduce individual premiums such as comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

Companies and a summarized list of policyholder discounts are shown below.

  • State Farm has savings for good student, multiple autos, anti-theft, Steer Clear safe driver discount, student away at school, and multiple policy.
  • Geico policyholders can earn discounts including anti-lock brakes, defensive driver, military active duty, emergency military deployment, multi-policy, and five-year accident-free.
  • Progressive includes discounts for homeowner, multi-vehicle, online signing, online quote discount, and multi-policy.
  • 21st Century may have discounts that include good student, homeowners, defensive driver, 55 and older, anti-lock brakes, and air bags.
  • American Family offers discounts for defensive driver, early bird, Steer into Savings, good driver, and accident-free.
  • The Hartford may offer discounts for anti-theft, air bag, bundle, defensive driver, good student, driver training, and vehicle fuel type.
  • AAA offers discounts including education and occupation, anti-theft, good driver, multi-car, multi-policy, and pay-in-full.

If you are trying to find cheap auto insurance quotes, ask each company which discounts you may be entitled to. Some credits may not be offered in your area. For a list of auto insurance companies that have a full spectrum of discounts, click here.

Auto insurance can be complex

When buying adequate coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that might help in determining whether you might need an agent’s assistance.

  • What are the financial responsibility laws in my state?
  • Are split liability limits better than a combined single limit?
  • Can I make deliveries for my home business?
  • Does coverage extend to a rental car in a foreign country?
  • How do I buy GAP insurance?
  • Why do I need rental car insurance?
  • Is business equipment covered while in my vehicle?

If you’re not sure about those questions, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form.

Auto insurance 101

Knowing the specifics of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverage

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from flooding, damage from a tornado or hurricane, a broken windshield, damage from getting keyed and rock chips in glass. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Collision insurance

This 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 coverage pays for claims like rolling your car, sustaining damage from a pot hole, driving through your garage door and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like EMT expenses, pain medications, nursing services, rehabilitation expenses and surgery. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Liability car insurance

This coverage will cover damage or injury you incur to other people or property in an accident. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things like funeral expenses, pain and suffering and legal defense fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comments About 2000 Isuzu Rodeo Insurance

  1. Maya Lewis

    Lots of good stuff here. From south side of Jacksonville, FL. Quoted quotes from State Farm, American Family, Farmers, and Hanover for my 2000 Isuzu Rodeo and saved just over $60 a year. Was with AAA. I’m a pretty low risk driver.

  2. Nanette Trujillo

    Great info, thanks for posting. Found cheapest coverage with GMAC for my Isuzu and am saving around $110 a year. Book value doesn’t justify full coverage anymore.

  3. Robin Wall

    I got quite a few price quotes for a 2000 Isuzu Rodeo in Cedar Rapids, Iowa. Ended up at roughly $70 every six months with AAA. Get lots of quotes to find the best rate.

  4. Cassy Roman

    What is comprehensive coverage?

  5. Rebecca Richard

    From north side of Shreveport, LA. Got car insurance prices from Western Auto Insurance, Amica, The General, and Mercury for my Isuzu and saved just over $90 a year. Was with Farmers. I just carry liability insurance.

  6. Lewis Abbott

    Quoted with GMAC for my Isuzu and saved around $60 a year. Left Hanover to switch. I recommend comparing lots of rates. It’s only liability tho.

  7. Terrance Barlow

    Good detail in your article. Lifelong resident of Worcester, MA. I got free quotes from Amica, Esurance, and Mercury for my Isuzu and I’m now saving $12 a month.

  8. Trey Flynn

    I can’t pay high rates. I’m from Phoenix, AZ. Not sure of all the companies but I ended up saving about $30 each month. Have a couple speeding tickets too. They have free quotes online. I just carry liability insurance.

  9. Toby Jacobson

    All insurance companies are crooks.

  10. Garland Tran

    Will 21st Century raise rates for a small claim?

  11. Lolita Galloway

    Looking for cheaper 2000 Isuzu Rodeo insurance in Dallas, TX. Help!

  12. Lean English

    I’m in New York City, NY, and GEICO rates were affordable. I think they have home insurance too. They offer free online rate quotes.

  13. Alix Salas

    Proud to be from Newark, NJ. Quoted a bunch of companies. Saved right around $20 a month. Progressive was the most affordable for me. I get multi-vehicle and multi-policy discounts. Bought it from an online quote.

  14. Yon Justice

    I live in a small town just outside of Bangor, ME. Got car insurance prices from American Family, Nationwide, and a few others for my 2000 Isuzu Rodeo and I’m now saving $11 a month.