1999 Suzuki Esteem Insurance Rates – 6 Policy Discounts

Wish you could get a refund on an overpriced insurance policy? Don’t feel bad because you’re not the only one.

Drivers have multiple insurance companies to pick from, and although it’s nice to have a selection, lots of choices makes it harder to compare rates and find the lowest cost insurance.

You should make it a habit to compare premium rates occasionally because insurance prices are usually higher with each renewal. Despite the fact that you may have had the best price on Esteem coverage at your last renewal the chances are good that you can find a lower rate quote today. Block out anything you think you know about insurance because I’m going to teach you the best methods to remove unneeded coverages and save money.

Shopping for the best auto insurance is not that difficult. Just about anyone who shops for auto insurance should be able to find better rates. Although car owners must understand the way companies compete online and use this information to your advantage.

Compare insurance coverage rate quotes online

When comparison shopping, there are several ways to get quotes from different insurance companies. The easiest way to compare 1999 Suzuki Esteem insurance prices is to perform an online rate comparison. It is quite easy and can be accomplished in just a few minutes using one of these methods.

• The single most time-saving way to find low rates would be an industry-wide quote request form (click to open form in new window). This form keeps you from doing separate forms for every company. Completing one form will return price quotes from multiple companies.
• A slightly less efficient method to find more affordable insurance consists of visiting the website of each company and repeat the quote process again and again. For example, we’ll assume you are doing a rate comparison from Liberty Mutual, Farmers and American Family. In order to get each rate, you would have to spend time going to each site individually and repeatedly type in your coverage information, which can take a lot of time. To view a list of companies in your area, click here.

Compare rates however you want, just do your best to enter the exact same information with each company. If you are comparing mixed coverages it will be next to impossible to make a fair rate comparison. Having just a slight variation in limits could throw off the whole comparison. It’s important to know that comparing more company’s prices helps improve the odds of finding lower pricing. Not every company allows you to get rate quotes online, so you need to compare quotes from them, too.

Six discounts for affordable insurance coverage rates

Insurance coverage can be pricey, but you may find discounts that you may not even know about. Most are applied at the time of purchase, but once in a while a discount must be asked for before you get the savings. If you are not receiving all the discounts available, it’s possible you qualify for a lower rate.

• Student Discounts – Performing well in school can be rewarded with saving of up to 25%. Most companies allow this discount until age 25.
• More Vehicles More Savings – Drivers who insure multiple vehicles on one policy may reduce the rate for each vehicle.
• Discounts for Federal Employees – Federal government employees can save as much as 8% on Esteem coverage with select insurance companies.
• Safety Course Discount – Participating in a defensive driving course is a good idea and can lower rates and easily pay for the cost of the class.
• Full Payment Discount – If you pay your bill all at once instead of paying each month you can actually save on your bill.
• Drive Less and Save – Driving less could earn slightly better prices than normal.

As is typical with insurance, most credits do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like comp or med pay. Even though it may seem like you could get a free insurance coverage policy, insurance companies wouldn’t stay in business.

Large insurance coverage companies and the discounts they provide are detailed below.

• American Family offers premium reductions for multi-vehicle, Steer into Savings, air bags, accident-free, defensive driver, bundled insurance, and mySafetyValet.
• Nationwide has savings for business or organization, Farm Bureau membership, multi-policy, anti-theft, defensive driving, and family plan.
• MetLife offers discounts for multi-policy, claim-free, defensive driver, good student, accident-free, good driver
• 21st Century may offer discounts for early bird, anti-lock brakes, teen driver, 55 and older, air bags, and theft prevention.
• Farmers Insurance may have discounts that include pay in full, bundle discounts, youthful driver, early shopping, mature driver, and multi-car.
• Allstate has discounts for early signing, EZ pay plan discount, new car, passive restraint, and farm vehicle.

It’s a good idea to ask every prospective company the best way to save money. Some discounts listed above may not be available in your area. If you would like to view insurance companies that offer discounts, click here to view.

Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. For example, these questions might help in determining whether you would benefit from an agent’s advice.

• Are my friends covered when driving my 1999 Suzuki Esteem?
• Am I getting all the discounts available?
• Does my policy pay for OEM or aftermarket parts?
• Are rental cars covered under my policy?
• Can my teen drive my company car?
• Is my Suzuki Esteem covered if I use it for business?
• Can I make deliveries for my home business?
• How do I insure my teen driver?
• Is my 1999 Suzuki Esteem covered for smoke damage?
• Is pleasure use cheaper than using my 1999 Suzuki Esteem to commute?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to 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 for a 1999 Suzuki Esteem

Understanding the coverages of your policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are typical coverage types found on most auto insurance policies.

Auto liability – Liability coverage can cover damage that occurs to other people or property by causing an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for things like bail bonds, pain and suffering, attorney fees, legal defense fees and medical expenses. How much coverage you buy is your choice, but buy higher limits if possible.

Comprehensive coverage – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, falling objects, damage from getting keyed, a broken windshield and damage from flooding. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision – Collision insurance pays for damage to your Esteem from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a building, scraping a guard rail, hitting a parking meter and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for ambulance fees, X-ray expenses and nursing services. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist coverage – This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your Suzuki Esteem.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liablity limits.