Compare 1997 Suzuki Sidekick Car Insurance Quotes

Trying to find better insurance rates for your Suzuki Sidekick? Having to pay for high-priced insurance can drain your checking account and require stricter spending habits. Getting a rate comparison is a smart way to tighten up your finances.

Multiple insurers compete for your hard-earned dollar, and it can be difficult to compare rates to find the lowest rate possible.

Consumers should take time to take a look at other company’s rates every six months because rates change frequently. If you had the best deal on Sidekick insurance last year you will most likely find a better price today. You can find a lot of wrong information about insurance out there, but I’m going to show you some tested techniques to buy insurance cheaper.

If you have car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Finding the best rates is not that difficult. But consumers need to have an understanding of how big insurance companies market insurance on the web and take advantage of how the system works.

Cheap car insurance quotes with discounts

Car insurance is easily one of your largest bills, but you might be missing out on some discounts that many people don’t even know exist. Many of these discounts will be applied automatically at the time of quoting, but a few need to be requested specifically before you get the savings.

• Safety Restraint Discount – Buckling up and requiring all passengers to use their safety belts may be able to save a few bucks off the personal injury premium cost.
• Claim Free – Drivers who stay claim-free get the best car insurance rates in comparison to policyholders that have many claims.
• Own a Home and Save – Just being a homeowner can earn you a little savings because it is proof of financial responsibility.
• Accident Waiver – Not really a discount, but a few companies such as Progressive and Allstate will allow you to have one accident before hitting you with a surcharge with the catch being you have to be claim-free for a certain period of time.
• Defensive Driver – Passing a course that instructs on driving safety may get you a small discount and easily pay for the cost of the class.
• Driver Education Discount – Teen drivers should complete a driver education course if offered at their school.
• Good Students Pay Less – Performing well in school may save as much as 25% on a car insurance quote. Most companies allow this discount up to age 25.
• Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying in monthly installments you may have a lower total premium amount.
• Multiple Policy Discount – When you have multiple policies and insure them with the same company you could get a discount of as much as 10 to 15 percent.

Policy discounts save money, but most discount credits are not given to your bottom line cost. A few only apply to individual premiums such as medical payments or collision. Despite the appearance that adding up those discounts means a free policy, insurance companies wouldn’t stay in business. Any amount of discount will lower the premium cost.

A list of car insurance companies and their offered discounts are outlined below.

• State Farm discounts include good driver, good student, passive restraint, defensive driving training, multiple policy, student away at school, and multiple autos.
• Liberty Mutual policyholders can earn discounts including teen driver discount, good student, new vehicle discount, newly retired, and safety features.
• American Family offers discounts including accident-free, Steer into Savings, good student, early bird, bundled insurance, defensive driver, and mySafetyValet.
• Progressive may include discounts for online quote discount, homeowner, multi-vehicle, online signing, continuous coverage, and good student.
• Farmers Insurance includes discounts for youthful driver, early shopping, bundle discounts, good student, switch companies, and homeowner.
• Auto-Owners Insurance offers premium reductions for multiple vehicles, mature driver, air bags, anti-theft, multi-policy, and group or association.
• SAFECO has savings for accident prevention training, anti-theft, drive less, homeowner, and bundle discounts.

When getting free car insurance quotes, it’s a good idea to each insurance company how many discounts you can get. Depending on the company, some discounts might not be offered everywhere. If you would like to choose from a list of car insurance companies that offer many of these discounts, follow this link.

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How to shop insurance online

When shopping for affordable car insurance quotes, there are a couple of ways to compare prices from many insurance companies in your state. By far the easiest way to lower the rate you pay for 1997 Suzuki Sidekick insurance is to jump online and get quotes. It’s really quite simple and can be done in a couple minutes as outlined below.

If you don’t have a lot of time, the easiest way consumers can analyze rates would be an industry-wide quote request form click here to open form in new window. This form saves time by eliminating separate quotes to each individual insurance company. A single, simple form gets you coverage quotes from multiple low-cost companies.

A slightly less efficient method to get comparison quotes requires visiting each individual company website and repeat the quote process. For examples sake, let’s assume you want to compare USAA, 21st Century and State Farm. To get each rate you have to visit each site and type in your information over and over, and that explains why we recommend the first method. For a list of links to insurance companies in your area, click here.

The least efficient way to get comparison rates is to drive around to and from local insurance agencies. The ability to quote online eliminates the need for an insurance agent unless you want the guidance of a local agent. Although, it is possible get the lowest quotes online but purchase the actual policy in an agency.

The approach you take is up to you, just make absolute certain that you use the same deductibles and coverage limits for each quote you get. If you enter higher or lower deductibles you can’t possibly decipher which rate is best. Just a small difference in coverages can result in a big premium difference. And when comparison shopping, having more price comparisons will enable you to find the best offered rates.

Smart buyers can reduce their insurance prices

The best way to find cheaper auto insurance is to take a look at some of the things that are used to determine your auto insurance rates. If you have some idea of what influences your rates, this allows you to make educated decisions that can help you get lower premium levels. Multiple criteria are part of the calculation when premium rates are determined. A few of the factors are predictable such as your driving history, but some are more transparent like your continuous coverage or your commute time.

The list below includes a few of the things utilized by car insurance companies to help set premiums.

• Can a thief steal your car? – Selecting a car model that has a built-in theft deterrent system can help lower your premiums. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent auto theft.
• Teen drivers pay more – Older drivers are more responsible, file fewer claims , and are generally more financially stable.Drivers with little experience have a tendency to be less responsible when at the wheel of a vehicle therefore auto insurance rates are much higher.
• Lower premiums for safer vehicles – Safe vehicles tend to have better insurance rates. The safest vehicles reduce the chance of injuries and better occupant protection means less money paid by your insurance company and cheaper rates on your policy. If your Suzuki Sidekick has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
• Cautious drivers pay the best premiums – Being a careful driver impacts your car insurance rates tremendously. Even a single moving violation can boost insurance rates twenty percent or more. Drivers who don’t get tickets tend to pay less for car insurance than bad drivers. Drivers unfortunate enough to have flagrant violations like DUI or reckless driving may find they need to submit a SR-22 form with their state’s licensing department in order to continue driving.
• More policies can equal more savings – Most major insurance companies afford lower prices to customers that have more than one policy. It’s known as a multi-policy discount. The amount of the discounts can be five, ten or even twenty percent. Even though this discount sounds good, it’s in your best interest to compare rates to help guarantee you have the best rates. You may still be able to save even more than the discount by splitting coverages up.
• Bump up physical damage deductibles to lower rates – The deductibles represent how much money the insured will be required to pay if you file a covered claim. Physical damage insurance, also called comprehensive and collision insurance, protects your car from damage. Examples of covered claims could be rearending another vehicle, damage caused by hail, or theft of your vehicle. The larger the amount you are required to pay out-of-pocket, the bigger discount you will receive on Sidekick insurance.

Tailor your insurance coverage to you

When choosing coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions might help in determining whether or not you might need professional guidance.

• Do I have coverage when making deliveries for my home business?
• Can my teen drive my company car?
• When can my company non-renew my policy?
• When do I need to add a new car to my policy?
• Do I have any recourse if my insurance company denies a claim?
• How much liability insurance is required?
• How much underlying liability do I need for an umbrella policy?
• Will my rates increase for filing one claim?
• Should I drop comprehensive coverage on older vehicles?
• Does coverage extend to my business vehicle?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

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Specific coverage details

Having a good grasp of your car insurance policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages found on most car insurance policies.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for pain medications, ambulance fees, chiropractic care and surgery. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Comprehensive auto coverage

This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like theft, a tree branch falling on your vehicle and damage from getting keyed. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Suzuki Sidekick.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.

Liability coverage

This coverage will cover damage or injury you incur to other people or property in an accident. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like pain and suffering, repair bills for other people’s vehicles, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Collision protection

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like driving through your garage door, crashing into a ditch, hitting a mailbox, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

A little work can save a LOT of money

We covered a lot of information how to shop for 1997 Suzuki Sidekick insurance online. The most important thing to understand is the more companies you get car insurance rates for, the higher the chance of saving money. You may even discover the lowest priced insurance comes from a small mutual company. They often have lower car insurance rates on specific markets than their larger competitors like Allstate or State Farm.

Budget-friendly insurance can be sourced on the web in addition to many insurance agents, and you should compare price quotes from both to have the best selection. There are still a few companies who do not offer rate quotes online and many times these smaller providers sell through local independent agents.

Helpful information

• How to Avoid Common Accidents (State Farm)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Speed and Speed Limit FAQ (iihs.org)
• Side Impact Crash Tests (iihs.org)
• Red Light Cameras (State Farm)
• Teen Driver Licensing Information (iihs.org)

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