1992 Suzuki Sidekick Insurance Cost

Trying to find better insurance rates for your Suzuki Sidekick? Shopping for affordable insurance over the internet is somewhat difficult for consumers new to shopping for insurance online. With so many choices of insurers to choose from, how can drivers effectively compare them all to find the cheapest available price?

Take advantage of discounts

Auto insurance companies do not list every discount in a way that’s easy to find, so the following is a list of both the well known and also the lesser-known ways to save on auto insurance.

  • Drivers Education – Cut your cost by having your teen driver enroll in driver’s education in school.
  • Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Discount for New Cars – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
  • Low Mileage – Driving fewer miles can qualify you for a substantially lower rate.
  • Homeowners Pay Less – Simply owning a home may earn you a small savings because maintaining a house demonstrates responsibility.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount for Sidekick coverage with certain companies.
  • Paperwork-free – A handful of insurance companies give back up to $50 for buying your policy online.
  • Passive Restraints and Air Bags – Cars that have air bags can qualify for discounts up to 30%.

It’s important to understand that most discounts do not apply to the entire policy premium. Some only apply to specific coverage prices like physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, you’re out of luck.

To see a list of insurance companies with discount auto insurance rates, click this link.

Suzuki Sidekick insurance rates are influenced by…

Smart consumers have a good feel for the factors that play a part in calculating your insurance coverage rates. Knowing what determines base rates helps enable you to make changes that could result in lower insurance coverage prices.

  • Lower rates come with age – Youthful drivers tend to be more careless behind the wheel so insurance coverage rates are higher. Having to add a teen driver onto your insurance coverage can be quite pricey. Older drivers are viewed as being more responsible, file fewer claims and get fewer tickets.
  • Liability coverage protects you – Liability coverage is the coverage that protects you if a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
  • One company can mean more discounts – Many insurance companies give discounts to insureds who have multiple policies with them such as combining an auto and homeowners policy. This can amount to 10 percent or more. If you currently are using one company, it’s still a good idea to shop around to verify if the discount is saving money. You may still find better rates by buying insurance coverage from a different company.
  • Keep rates low by being claim-free – Insurance companies give discounts to drivers who do not file claims often. If you file claims often, you can look forward to higher rates. Car insurance is designed for larger claims.

How to know if you need help

When buying the best auto insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions could help you determine if your situation would benefit from an agent’s advice.

  • Is my dog or cat covered if injured in an accident?
  • Do I pay less for low miles?
  • What can I do if my company won’t pay a claim?
  • What is no-fault insurance?
  • Can I drive in Mexico and have coverage?
  • What is medical payments coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form.

Do you really save 40% when you switch?

Companies like GEICO, State Farm and Progressive regularly use ads on television and other media. All the ads say the same thing that you can save if you move your coverage to them. But how can every company claim to save you money?

All companies have a preferred profile for the type of driver that is profitable for them. A good example of a desirable insured could be a mature driver, has no driving citations, and chooses high deductibles. Any driver that hits that “sweet spot” gets the lowest rates and therefore will save when switching.

Drivers who are not a match for these standards must pay higher premiums and this can result in business going elsewhere. The ads state “drivers who switch” not “everyone that quotes” save that kind of money. That’s the way insurance companies can confidently claim big savings. This illustrates why drivers must get a wide range of price quotes. Because you never know the company that will provide you with the cheapest Suzuki Sidekick insurance rates.

Car insurance coverages for a Suzuki Sidekick

Having a good grasp of auto insurance can help you determine the right coverages for your vehicles. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.

Collision coverage – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with another moving vehicle, sideswiping another vehicle, rolling your car, backing into a parked car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Suzuki Sidekick.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Comprehensive insurance – This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as theft, damage from flooding, hitting a bird and rock chips in glass. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as surgery, doctor visits, prosthetic devices and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Liability auto insurance – Liability insurance provides protection from damage or injury you incur to people or other property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for claims like loss of income, medical expenses and medical services. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Spend less. Save more.

We covered a lot of ways to get a better price on 1992 Suzuki Sidekick insurance. The key thing to remember is the more you quote, the better your comparison will be. Consumers could even find that the lowest priced insurance coverage comes from some of the lesser-known companies.

When buying insurance coverage, it’s a bad idea to buy less coverage just to save a little money. There are many occasions where an insured dropped full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.

Affordable insurance can be bought both online in addition to many insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers do not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

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