Lower Your 2001 Suzuki Esteem Car Insurance Rates

Trying to come up with a payment for pricey car insurance can dwindle your checking account and force you to prioritize other expenses. Comparing rate quotes is a great way to slash your bill and have more diposable income.

You have so many insurers to choose from, and even though it’s nice to have a selection, so many choices can make it hard to find the best rates.

It’s smart to quote other rates before your policy renews because prices are constantly changing. Even if you got the best deal on Esteem insurance two years ago the chances are good that you can find a lower premium rate today. Ignore everything you know about car insurance because it’s time to teach you one of the easiest ways to properly buy coverages and cut your premium.

Finding the lowest cost coverage is simple if you know the tricks. If you have insurance now or need new coverage, you can use this information to shop for the lowest rates and possibly find even better coverage. Vehicle owners only need to know the proper methods to compare rates online.

More discounts mean affordable premiums

Insurance is not cheap nor is it fun to buy but you might find some hidden discounts that can help lower your rates. Some discounts apply automatically at the time of purchase, but less common discounts must be specifically requested prior to getting the savings.

  • Driving Data Discount – Policyholders that allow companies to analyze driving manner by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if they are good drivers.
  • Save with More Vehicles Insured – Having primary and secondary vehicles with the same company may reduce the rate for each vehicle.
  • Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
  • Braking Control Discount – Cars and trucks with anti-lock braking systems can avoid accidents so companies give up to a 10% discount.
  • Low Miles Discount – Driving less may allow you to get cheaper rates.
  • Discounts for Government Workers – Active or retired federal employment could cut as much as 10% off on Esteem insurance with select insurance companies.
  • Smart Student Discounts – Maintaining excellent grades may save you up to 25%. The good student discount can last up to age 25.
  • Renewal Discounts – Some companies reward drivers for buying a policy prior to the expiration date on your current policy. It can save you around 10%.

Consumers should know that most credits do not apply the the whole policy. Some only reduce specific coverage prices like liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, it doesn’t quite work that way.

A few popular companies and some of the premium reductions they offer are outlined below.

  • GEICO offers premium reductions for emergency military deployment, anti-theft, federal employee, defensive driver, membership and employees, good student, and multi-vehicle.
  • Travelers policyholders can earn discounts including IntelliDrive, hybrid/electric vehicle, good student, home ownership, and multi-car.
  • Nationwide offers discounts for good student, business or organization, multi-policy, family plan, accident-free, defensive driving, and anti-theft.
  • Farmers Insurance includes discounts for multi-car, bundle discounts, teen driver, alternative fuel, and early shopping.
  • Esurance may include discounts for paid-in-full, renters, anti-lock brakes, homeowner, multi-car, multi-policy, and online shopper.
  • State Farm may have discounts that include anti-theft, accident-free, student away at school, multiple autos, good driver, and multiple policy.
  • Progressive offers discounts including good student, continuous coverage, multi-policy, online signing, multi-vehicle, and homeowner.
  • Mercury Insurance has discounts for annual mileage, age of vehicle, professional/association, good student, low natural disaster claims, good driver, and type of vehicle.

If you need inexpensive insurance quotes, ask each company or agent how many discounts you can get. Discounts may not apply to policyholders in your area. To locate insurers that offer discounts, click this link.

The quickest method to compare rate quotes is to know the trick all the major auto insurance companies actually pay money for the chance to give rate comparisons. The one thing you need to do is provide a little information including the year, make and model of vehicles, any included safety features, driver details, and if you require a SR-22. Your information is automatically sent to multiple top-rated companies and they provide comparison quotes with very little delay.

If you would like to start a quote now, click here and enter your zip code.

It’s not one size fits all

When choosing the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions might point out if your insurance needs would benefit from professional advice.

  • What exactly is covered by my policy?
  • What is the ISO rating for a 2001 Suzuki Esteem?
  • Is my 2001 Suzuki Esteem covered for flood damage?
  • Am I getting all the discounts available?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I pay less for low miles?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Car insurance coverages for a 2001 Suzuki Esteem

Understanding the coverages of your policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by insurance companies.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, damage from getting keyed, hitting a bird and fire damage. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage protection

Collision coverage pays for damage to your Esteem resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as damaging your car on a curb, rolling your car, colliding with another moving vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

UM/UIM Coverage

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Suzuki Esteem.

Because many people 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. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Liability coverages

This can cover damage that occurs to a person or their property by causing an accident. This coverage protects you against other people’s claims. It does not 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 commonly see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability insurance covers things like attorney fees, court costs, emergency aid, medical expenses and legal defense fees. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses for nursing services, surgery, rehabilitation expenses and pain medications. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Save your hard earned cash

We just showed you quite a bit of information on how to get a better price on 2001 Suzuki Esteem insurance. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the best premium rates are with the smaller companies. These companies may only write in your state and offer lower prices than the large multi-state companies such as Progressive and GEICO.

The cheapest 2001 Suzuki Esteem insurance can be purchased from both online companies in addition to local insurance agencies, and you need to price shop both to get a complete price analysis. Some car insurance companies may not offer rates over the internet and these regional insurance providers sell through independent insurance agencies.

Even more information can be found at these sites:

Comments About 2001 Suzuki Esteem Insurance

  1. Delma Cotton

    I got quite a few price quotes for a 2001 Suzuki Esteem in Rochester, MN. Ended up at about $70 every six months with Amica.

  2. Fredricka Anthony

    Quoted with Amica for my Suzuki and cut my rates about $100 a year. You can get a rate quote online.

  3. Cherri Velez

    If you have a good history and are close to Rochester, New York, check out 21st Century. They seem to be cheaper. Insured with Farmers before. I’m a pretty good driver though. Can still barely afford it. Just liability coverage since it’s getting old.

  4. Clay Randall

    Will Allstate raise rates if I file a claim?

  5. Kerstin Chen

    Will 21st Century insure with a DUI in Philadelphia, Pennsylvania?

  6. Tuan Irwin

    Lots of useful info here. Checking in from Virginia Beach, Virginia. I quoted with Sentry, Encompass, Progressive, and AAA for my Suzuki and I think I am saving around $30 each month. Even increased my liability limits.

  7. Nathanial Elliott

    Need cheaper insurance rates for my teenage driver in Bridgeport, CT!!

  8. Carley Mcmillan

    I live in a small town just outside of Newark, Delaware. Can’t remember who all I quoted but I ended up saving about $30 each month.

  9. Bruna Howell

    From Seattle, WA, and 21st Century rates were best.

  10. Harley Brennan

    Does Allstate prorate premiums at cancellation?