Lower Your 1993 Suzuki Sidekick Car Insurance Quotes

Looking for lower insurance rates for your Suzuki Sidekick? Did budget coverage turn out to be overpriced insurance? It’s a common feeling and many consumers are feeling buyer’s remorse and feel like there’s no way out. Because you have many options when it comes to insurance, it’s difficult to locate the right insurance company.

The quickest method we recommend to compare insurance rates in your area is to understand all the major auto insurance companies will pay a fee to compare rate quotes. The only thing you need to do is provide details such as the ages of drivers, whether the vehicles are used for commuting, how much you drive, and what you do for a living. Your insurance information is instantly provided to all major companies and you will receive price estimates immediately.

Get affordable insurance coverage with discounts

Car insurance companies don’t always publicize their entire list of discounts in a way that’s easy to find, so the list below details both well-publicized and also the lesser-known discounts that you may qualify for.

• Homeowners Discount – Simply owning a home can help you save on insurance coverage since home ownership requires personal responsibility.
• Full Payment Discount – By making one initial payment rather than spreading payments over time you may reduce your total bill.
• Responsible Driver Discount – Accident-free drivers can get discounts for up to 45% lower rates for Sidekick coverage than drivers with accidents.
• Passive Restraints – Vehicles equipped with air bags can receive discounts of up to 25% or more.
• One Accident Forgiven – but certain companies will allow you to have one accident before they charge you more for coverage so long as you are claim-free for a set time period.

Drivers should understand that most discounts do not apply to all coverage premiums. Some only apply to individual premiums such as medical payments or collision. So even though you would think it’s possible to get free car insurance, nobody gets a free ride. But any discount should definitely cut your policy cost.

A list of companies and a selection of discounts are:

• Geico discounts include seat belt use, military active duty, membership and employees, anti-theft, and air bags.
• SAFECO offers discounts including accident prevention training, homeowner, drive less, teen safe driver, anti-theft, and bundle discounts.
• State Farm offers premium reductions for good student, anti-theft, student away at school, Drive Safe & Save, Steer Clear safe driver discount, and defensive driving training.
• MetLife policyholders can earn discounts including good student, claim-free, defensive driver, good driver, and accident-free.
• 21st Century may offer discounts for anti-lock brakes, homeowners, 55 and older, automatic seat belts, student driver, early bird, and driver training.
• Progressive has discounts for homeowner, online quote discount, continuous coverage, multi-policy, good student, and multi-vehicle.

When getting free insurance quotes, it’s a good idea to all the companies which discounts you may be entitled to. All car insurance discounts might not apply in your state. To see providers with the best discounts, click here.

Tailor your auto insurance coverage to you

When choosing adequate coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. For example, these questions might point out whether you would benefit from an agent’s advice.

• Is my teen driver covered when they drive my company car?
• Is my 1993 Suzuki Sidekick covered for smoke damage?
• Can I still get insurance after a DUI?
• Is borrowed equipment or tools covered if stolen or damaged?
• I don’t drive much so do I pay less?
• Do I need PIP (personal injury protection) coverage in my state?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Specific coverage details

Understanding the coverages of your insurance policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1993 Suzuki Sidekick.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a deer, theft, hitting a bird and hail damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability

This protects you from damage that occurs to other’s property or people in an accident. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against things like repair costs for stationary objects, medical services, loss of income and court costs. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Coverage for collisions

This coverage pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like scraping a guard rail, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Insurance for medical payments

Med pay and PIP coverage provide coverage for expenses for things like nursing services, ambulance fees, surgery, X-ray expenses and doctor visits. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

More quotes. Lower rates.

Budget-conscious 1993 Suzuki Sidekick insurance can be found from both online companies as well as from independent agents, so you need to quote insurance with both in order to have the best chance of saving money. Some insurance providers do not provide the ability to get a quote online and usually these regional carriers prefer to sell through independent agencies.

You just read many ideas to lower your 1993 Suzuki Sidekick insurance rates. It’s most important to understand that the more companies you get auto insurance rates for, the better your comparison will be. You may even discover the lowest priced car insurance comes from a lesser-known regional company. These companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm or Progressive.

While you’re price shopping online, do not buy poor coverage just to save money. There have been many cases where an insured cut uninsured motorist or liability limits only to find out that they should have had better coverage. The goal is to find the BEST coverage at a price you can afford, not the least amount of coverage.

More learning opportunities

• Medical Payments Coverage (Liberty Mutual)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Child Safety FAQ (iihs.org)
• What is Full Coverage? (Allstate)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)