Compare 2000 Suzuki Esteem Car Insurance Rates

Searching for lower car insurance rates for your Suzuki Esteem? Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? It’s a common feeling and there are lots of people in the same boat.

Companies like Geico, Farmers Insurance and State Farm persitently shower you with advertising and consumers find it hard to ignore the flashy ads and effectively compare rates to find the best deal.

Compare insurance rate quotes online

There are multiple methods to shop for insurance, and some are less time-consuming than others. You can waste a lot of time talking about coverages with insurance agencies in your area, or you could save time and use the web for quick rates.

Most major companies enroll in a system that enables customers to submit one quote, and each participating company then gives them pricing. This prevents consumers from doing quotation requests for every insurance company.

To compare rates now click here to open in new window.

The one disadvantage to using this type of system is you don’t know exactly the insurers you want pricing from. So if you want to choose from a list of companies to compare rates, we put together a list of low cost insurance companies in your area. Click to view list.

Whichever method you choose, compare the exact same quote data with each company. If you enter mixed coverages it will be next to impossible to determine the best price for your Suzuki Esteem. Quoting even small variations in insurance coverages or limits could throw off the whole comparison. Just keep in mind that more quotes gives you a better chance of getting a lower rate. Not every company provides online price quotes, so you should also compare price estimates from them, too.

Take policy discounts and save

Car insurance is not cheap nor is it fun to buy but you may be missing some discounts that you may not know about. Certain reductions will be credited when you quote, but a few must be specially asked for before they will apply. If you’re not getting every credit possible, you are paying more than you should be.

• Low Mileage Discounts – Low annual miles may enable drivers to earn lower premium rates due to less chance of an accident.
• Anti-theft Discount – Cars and trucks equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
• Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) off the medical payments premium.
• More Vehicles More Savings – Purchasing coverage when you have primary and secondary vehicles with the same car insurance company can reduce the rates for all insured vehicles.
• Paper-free Discount – Some insurance companies give back up to $50 for buying your policy digitally online.
• Discount for Life Insurance – Some insurance companies give a small discount if you purchase a life insurance policy as well.
• Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
• Home Ownership Discount – Owning a home may trigger a policy discount on car insurance because owning a home requires personal responsibility.
• Pay Now and Pay Less – By paying your entire bill at once instead of monthly or quarterly installments you may have a lower total premium amount.

As is typical with insurance, some of the credits will not apply to the overall cost of the policy. Most cut the cost of specific coverages such as liability and collision coverage. Even though the math looks like all those discounts means the company will pay you, it’s just not the way it works.

Large car insurance companies and a summarized list of policyholder discounts are detailed below.

• Geico may have discounts that include driver training, five-year accident-free, defensive driver, membership and employees, and air bags.
• SAFECO discounts include anti-lock brakes, multi-car, drive less, teen safe driver, and bundle discounts.
• State Farm policyholders can earn discounts including good student, safe vehicle, driver’s education, passive restraint, and student away at school.
• MetLife offers discounts including claim-free, good driver, accident-free, good student, multi-policy, defensive driver
• 21st Century has savings for early bird, air bags, theft prevention, teen driver, good student, homeowners, and anti-lock brakes.
• Progressive has discounts for continuous coverage, online signing, online quote discount, homeowner, and good student.

Check with every company the best way to save money. Some of the earlier mentioned discounts may not apply to policies in your area. If you would like to see a list of car insurance companies with the best car insurance discounts, follow this link.

Which policy gives me the best coverage?

When it comes to buying adequate coverage, there is no perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining whether your personal situation would benefit from an agent’s advice.

• Does my insurance cover a custom paint job?
• Is my business laptop covered if it gets stolen from my vehicle?
• Can I afford to pay high deductible claims out of pocket?
• What vehicles should carry emergency assistance coverage?
• Does my 2000 Suzuki Esteem need full coverage?
• Am I missing any policy discounts?
• How do I file an SR-22 for a DUI in my state?
• Am I covered by my spouse’s policy after a separation?

If it’s difficult to answer those questions then you might want to talk to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance companies in your area.

Coverages available on your insurance policy

Having a good grasp of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverages offered by insurance companies.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your Suzuki Esteem.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverage – Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like fire damage, damage from getting keyed and falling objects. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like X-ray expenses, nursing services, surgery and chiropractic care. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Liability coverage – This will cover damage that occurs to other people or property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

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

Liability coverage protects against things such as attorney fees, loss of income, funeral expenses, legal defense fees and emergency aid. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

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

Collision coverage pays for things such as driving through your garage door, rolling your car, backing into a parked car, scraping a guard rail and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.