How Much Does 2007 Isuzu i-Series Car Insurance Cost?

Want better car insurance rates for your Isuzu i-Series? Purchasing budget car insurance might seem somewhat difficult for vehicle owners not familiar with comparing prices over the internet. With so many insurance companies available, how can vehicle owners be able to compare every car insurance company to find better car insurance prices?

Get cheap auto insurance with discounts

Insurance can be prohibitively expensive, but you may be missing some discounts to help offset the cost. Certain discounts will be triggered automatically at the time of quoting, but some discounts are required to be manually applied before being credited.

  • Discounts for Government Workers – Being employed by or retired from a federal job may qualify for a discount when you quote insurance coverage on i-Series insurance depending on your company.
  • Lower Rates for Military – Having a family member in the military can result in better rates.
  • Multiple Policy Discount – If you can combine your auto and home policy and place coverage with the same company you could save over 10 percent off each policy depending on the company.
  • Discounts for New Vehicles – Buying a new car instead of a used car can cost up to 25% less because newer models keep occupants safer.
  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class if offered at their school.

Policy discounts save money, but some credits don’t apply to the entire policy premium. Most cut the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like you could get a free auto insurance policy, you won’t be that lucky.

To find auto insurance companies with the best auto insurance discounts, follow this link.

How you can control Isuzu i-Series insurance prices

Many factors are part of the equation when quoting car insurance. A few of the factors are predictable such as your driving history, but others are more obscure such as whether you are married or your vehicle rating.Part of the auto insurance buying process is learning some of the things that help determine your policy premiums. When you understand what determines base rates, this allows you to make educated decisions that will entitle you to cheaper rates.

The list below includes just a few of the factors auto insurance companies consider when setting your rates.

  • Cheaper rates by bundling – Most larger auto insurance companies will award a discount to people that have more than one policy, otherwise known as a multi-policy discount. Discounts can amount to ten percent or more. If you currently are using one company, it’s in your best interest to shop around to confirm you are receiving the best rates possible.
  • Liability insurance is peace of mind – The liability coverage on your policy will provide protection when you are found liable for causing personal injury or damage in an accident. Liability provides legal defense starting from day one. Liability insurance is pretty cheap compared to comp and collision, so drivers should carry high limits.
  • Where you reside plays a part – Living in areas with lower population has definite advantages if you are looking for the lowest rates. Residents of big cities have more aggressive driving styles and more severe claims. Fewer drivers and short commutes means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Use but don’t abuse your insurance – If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance companies give lower rates to people who do not rely on their insurance for small claims. Auto insurance is intended to be relied upon for claims that you cannot pay yourself.
  • Your vocation and auto insurance rates – Did you know your auto insurance rates can be affected by your occupation? Occupational choices like doctors, architects and medical professionals have higher rates than the rest of us attributed to intense work requirements and long work days. On the other hand, careers such as professors, athletes and performers receive lower rates on i-Series insurance.
  • Are women or men drivers cheaper? – The statistics show women are more cautious behind the wheel. It does not mean men are WORSE drivers than women. Women and men are in fender benders in similar percentages, but men tend to have higher claims. Not only that, but men also receive more major tickets like reckless driving and DUI.

Tailor your insurance coverage coverage to you

When buying coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can aid in determining whether or not you might need professional guidance.

  • Do I benefit by insuring my home with the same company?
  • Is my ex-spouse still covered by my policy?
  • What are the best liability limits?
  • Am I covered when delivering products for my home-based business?
  • How can I get my company to pay me more for my totalled car?
  • Do I have coverage for damage caused while driving under the influence?
  • When can I cancel my policy?
  • Do I need roadside assistance coverage?
  • What is the rate difference between pleasure use and commuting?
  • Should I put collision coverage on all my vehicles?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form.

Information about specific coverages

Learning about specific coverages of insurance helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Isuzu i-Series.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, rock chips in glass and damage from flooding. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability

Liability coverage protects you from injuries or damage you cause to other people or property in an accident. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against claims like court costs, medical services and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Collision protection

Collision coverage will pay to fix damage to your i-Series resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as sideswiping another vehicle, hitting a parking meter and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for bills like hospital visits, chiropractic care and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Don’t break the bank

When trying to cut insurance costs, never buy poor coverage just to save money. In many cases, someone dropped collision coverage and learned later they didn’t have enough coverage. The aim is to find the BEST coverage at the best price while not skimping on critical coverages.

Consumers change insurance companies for a number of reasons such as policy non-renewal, not issuing a premium refund, policy cancellation and even an unsatisfactory settlement offer. Regardless of your reason for switching companies, switching companies is not as difficult as it may seem.

We just presented many ideas to compare 2007 Isuzu i-Series insurance rates online. The key thing to remember is the more companies you get car insurance rates for, the more likely it is that you will get a better rate. Drivers may discover the most savings is with the smaller companies.

Much more information about insurance can be found below:

Comments About 2007 Isuzu i-Series Insurance

  1. Tyra Woodward

    Nice info. Lifelong resident of Frederick, MD. Not sure of all the companies but I ended up saving about $70 each month. Have a couple speeding tickets too. I just quoted rates online.

  2. Bill Shepard

    I’m from Burlington, VT. I quoted with MetLife, Farmers, State Farm, and AAA for my Isuzu and saved about $350 a year. Was with Hartford. I get multi-vehicle and multi-policy discounts. Online quotes are the way to go.

  3. Natashia Rivas

    Nice info. From Lexington, KY. I got free quotes from GEICO, AAA, Erie, and The General for my Isuzu and I think I cut my rates about $20 each month.

  4. Joellen Francis

    Any Progressive or Farmers customers near Pittsburgh, Pennsylvania?

  5. Summer Sweeney

    Will Allstate give discounts for good grades?

  6. Hilma Ballard

    Where is cheaper car insurance? I’m from Fargo, ND. Compared rates from a lot of places. Saved right around $50 a month. Progressive was the most affordable for me.

  7. Giselle Lowery

    Just my two cents. From west side of Rockford, IL. Quoted a bunch of companies. Saved right around $60 a month. Progressive was the best choice for me. Have an at-fault accident tho. It’s easy to compare rates online now.

  8. Norah Petty

    Will 21st Century cancel me for an at-fault accident?

  9. Cythia Swanson

    Thought I’d throw in my experience. From northwest of Fort Wayne, IN. Not sure of all the companies but I ended up saving about $50 each month. Was with Allstate. I used their website to get prices.

  10. Thomas Rich

    I live just to the north of Kailua, HI. Received prices from 21st Century, AIG Insurance, Encompass, and Hanover for my i-Series and saved $241 a year. Was with GMAC. I get multi-vehicle and multi-policy discounts.

  11. Latrice Hewitt

    In Rio Rancho, NM, AAA had the best rates for my 2007 Isuzu i-Series. Even increased my liability limits. I recommend comparing lots of rates.

  12. Dave Bond

    Thanks for putting this site together. From Fort Wayne, IN. Got car insurance rates from Nationwide, Encompass, Allstate, and AAA for my Isuzu and saved just over $160 a year. Insured with Hartford before. I have a couple other vehicles on the policy.

  13. Alden Miles

    Live in Saint Louis, MO. Got rates from Allstate, Hanover, and Erie for my Isuzu and saved just over $570 a year. Left The General to switch. Online quotes are the way to go.

  14. Sherell Wooten

    Will State Farm do a SR22 in Wisconsin?