Lower Your 2001 Isuzu VehiCROSS Car Insurance Cost

Want lower insurance rates for your Isuzu VehiCROSS? Did a good deal turn into an underperforming, overpriced insurance policy? Trust us, many consumers are in the same pinch.

Many auto insurance companies vie to insure your vehicles, and it can be difficult to compare rates and uncover the absolute best rates possible.

Consumers need to quote other rates at least once a year due to the fact that insurance prices change quite often. Even if you got the best rate for VehiCROSS coverage a few years ago the chances are good that you can find a lower premium rate today. Ignore everything you know about insurance because you’re about to learn the fastest way to lower your annual insurance bill.

If you have car insurance now, you will most likely be able to reduce your rates substantially using this information. Finding the best rates is not rocket science. But vehicle owners can benefit by having an understanding of how companies market insurance on the web.

Don’t overlook these auto insurance discounts

Some providers don’t always advertise all their discounts in a way that’s easy to find, so the next list breaks down both well-publicized and also the lesser-known savings tricks you should be using when you buy car insurance online.

  • Discounts for Seat Belt Usage – Requiring all passengers to fasten their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
  • Mature Driver Discount – Drivers that qualify as senior citizens may qualify for reduced rates for VehiCROSS coverage.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers complete a driver education course in high school.
  • Discounts for Multiple Vehicles – Buying insurance for more than one vehicle with one company can reduce rates for all insured vehicles.
  • Safety Course Discount – Taking a defensive driver course could possibly earn you a 5% discount and easily pay for the cost of the class.
  • Active Service Discounts – Being deployed in the military could mean lower premium rates.
  • Homeowners Discount – Just owning your own home can earn you a little savings since home ownership means you have a higher level of financial diligence.
  • Distant College Student Discount – Older children who are attending college and do not have a car could get you a discount.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given the the whole policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. So when the math indicates you can get free auto insurance, companies don’t profit that way.

For a list of auto insurance companies that offer many of these discounts, follow this link.

Isuzu VehiCROSS insurance price factors

Multiple criteria are considered when premium rates are determined. Some are obvious such as your driving record, but other factors are more transparent like your continuous coverage or how financially stable you are.Consumers need to have an understanding of a few of the rating criteria that aid in calculating the level of your policy premiums. If you understand what determines base rates, this enables informed choices that could help you find better insurance rates.

  • Urban residents pay more – Having an address in areas with lower population can save you money when shopping for auto insurance. Residents of big cities have more auto accidents and much longer commute distances. Fewer people means fewer accidents and lower theft and vandalism rates.
  • Teen drivers pay high prices – Beginning drivers have been known to be less responsible when driving with friends and because of this, their insurance rates are much higher. More mature drivers have been proven to be more responsible, file fewer claims and tend to be get fewer driving tickets.
  • Small claims can cost you – If you’re an insured who likes to file claims you should expect either a policy non-renewal or much higher rates. Car insurance companies provide discounts to people who are claim-free. Auto insurance is intended for claims that pose a financial burden.
  • Traffic violations hurt – A bad driving record impacts premiums far more than you think. Attentive drivers get better prices compared to drivers with tickets. Just one moving violation could increase your next policy renewal to the point where it’s not affordable. Drivers who have gotten severe citations such as hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.
  • Coverage lapses lead to higher premiums – Not maintaining insurance is not a good idea and companies may charge more for letting your insurance coverage expire. And not only will your rates increase, the inability to provide proof of insurance might get you fines or a revoked license. You will then be forced to prove you have insurance by filing a SR-22 with your state DMV.
  • Only buy extra policy coverages you need – Policies have extra bells and whistles you can purchase on your VehiCROSS policy. Coverage for things like rental car reimbursement, towing coverage, and extra life insurance coverage are examples of these. These may sound like a good investment when deciding what coverages you need, but if you don’t need them consider taking them off your policy.

When to get professional advice

When choosing the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions may help highlight if you will benefit from professional help.

  • Is my trailer covered?
  • Is business equipment covered while in my vehicle?
  • Is my ex-spouse still covered by my policy?
  • Why am I required to buy high-risk coverage?
  • Am I covered if hit by an uninsured driver?
  • How much liability coverage do I need in my state?
  • How do I file an SR-22 for a DUI in my state?
  • Are my friends covered when driving my 2001 Isuzu VehiCROSS?
  • Does my medical payments coverage pay my health insurance deductible?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Car insurance coverages 101

Knowing the specifics of your policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Shown next are the usual coverages found on the average car insurance policy.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Isuzu VehiCROSS.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from 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 protects against claims like falling objects, damage from flooding and vandalism. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like X-ray expenses, dental work, rehabilitation expenses and ambulance fees. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability

Liability coverage protects you from damages or injuries you inflict on other’s property or people. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things such as medical services, loss of income, medical expenses, emergency aid and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision insurance

This covers damage to your VehiCROSS caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as backing into a parked car, sustaining damage from a pot hole, hitting a mailbox, scraping a guard rail and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

A penny saved is a penny earned

Lower-priced insurance can be bought on the web and with local insurance agents, so you need to quote car insurance with both in order to have the best price selection to choose from. A few companies do not provide the ability to get a quote online and many times these small insurance companies sell through independent insurance agencies.

As you restructure your insurance plan, it’s not a good idea to skimp on coverage in order to save money. In many instances, someone sacrificed liability limits or collision coverage only to discover later that the savings was not a smart move. Your aim should be to get the best coverage possible at a price you can afford while still protecting your assets.

More information can be read below:

Comments About 2001 Isuzu VehiCROSS Insurance

  1. Damion Maldonado

    Will State Farm raise rates for a windshield claim?

  2. Tracie Peters

    Got a quote with Western Auto Insurance for my VehiCROSS and saved around $100 a year. I recommend comparing lots of rates.

  3. Nydia Britt

    Well-written and thought out article. I live in a small town just outside of North Charleston, SC. Received quotes from State Farm, Amica, and some I forget for my Isuzu and saved $114 a year. Insured with Auto-Owners before. I even had a DUI years ago.

  4. Rebeca Boyer

    I’m in the south part of Juneau, AK. Received quotes with Progressive, Farmers, and The General for my Isuzu and cut my rates about $100 a year. I don’t have comp or collision coverage.

  5. Ricky Knowles

    I’m in the north part of West Valley City, UT. Quoted a bunch of companies. Saved right around $20 a month. GEICO was the most affordable for me. Good savings if you bundle. Not sure if rates are cheaper online or through an agent.

  6. Jacquelin Matthews

    I live west of Providence, RI. I got free quotes with Progressive, Erie, and Liberty Mutual for my VehiCROSS and saved $90 a year. Left Western Auto Insurance to switch. It never hurts to quote around. I don’t insure for physical damage though.

  7. Chieko Walls

    State Farm is decent in Portland, OR.

  8. Sharon Joseph

    I live on the south side of Portland, ME. Got rates from USAA, AAA, GMAC, and Safeco for my Isuzu and saved just over $70 a year. :)

  9. Roslyn Mayer

    I got decent rates for a 2001 Isuzu VehiCROSS in Jersey City, NJ. Ended up at darn near $70 every six months with Auto-Owners. Was with Safeco. Even increased coverage a bit. I recommend comparing lots of rates. I’m thinking about dropping full coverage though.

  10. Alverta Thornton

    21st Century was cheapest for my 2001 Isuzu VehiCROSS in Chicago, IL.

  11. Elizbeth Hernandez

    Will Allstate raise rates after an accident?

  12. Mathilde Mcconnell

    I live in a small town just outside of Cranston, RI and for me Allstate had the lowest quote. LOL I don’t insure for physical damage though.

  13. Hazel Patel

    Cheap is not always the best policy. Found cheapest coverage with USAA for my VehiCROSS and saved about $70 a year. It’s still not cheap enough. Just liability coverage since it’s getting old.

  14. Veronique Wells

    Got pretty cheap 2001 Isuzu VehiCROSS insurance from State Farm in Baltimore, MD.

  15. Mozella Ewing

    Liked the article. Live in Hartford, Connecticut. Quoted with American Family, Mercury, and a few others for my 2001 Isuzu VehiCROSS and I think I saved about $20 each month. I only have liability coverage on it.