1997 Suzuki Esteem Insurance Rates – 10 Ways to Save

Want the cheapest insurance rates? Drivers have lots of choices when trying to find low-cost Suzuki Esteem insurance. They can either spend hours struggling with agents to get rate comparisons or save time using the internet to make rate comparisons.

There are more efficient ways to buy insurance and you need to know the best way to price shop coverage for a new or used Suzuki and locate the lowest price from both online companies and local agents.

It’s important to compare rates yearly since insurance rates change frequently. Despite the fact that you may have had the best rates for Esteem coverage on your last policy you can probably find a lower rate today. Ignore everything you know about insurance because you’re about to find out the only way to get good coverage at a lower rate.

Compare Auto Insurance Today

There are a lot of ways you can shop for auto insurance but one way is less labor-intensive and much quicker. You could waste time driving to local insurance agents in your area, or you could use online quoting to get rate comparisons in just a few minutes.

Most car insurance companies take part in a program where prospective buyers submit their information once, and every company provides a quote based on the submitted data. This prevents consumers from doing quotation requests for every auto insurance company.

To enter your information into the quoting system, click here (opens in new window).

The only downside to using this type of system is you are unable to specify the companies you will receive quotes from. So if you want to select specific insurance companies to compare rates, we have a page of companies who write auto insurance in your area. Click here for list of insurance companies.

Whichever method you choose, ensure you’re using the exact same coverages for every company. If your comparisons have different liability limits it’s not possible to decipher which rate is best.

Pay less by taking advantage of these ten discounts

Insurance can cost an arm and a leg, but companies offer discounts to reduce the price significantly. Some discounts apply automatically when you complete an application, but a few must be asked about before being credited. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Discount for Life Insurance – Some companies give a break if you buy auto and life insurance together.
  • Bundle and Save – If you insure your home and vehicles with the same company you may save at least 10% off all policies.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Accident Forgiveness – A few companies permit an accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
  • Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off for Esteem coverage with select insurance companies.
  • Paperless Signup – Certain companies give back up to $50 for buying a policy and signing up digitally online.
  • Defensive Driver – Successfully completing a driver safety course could possibly earn you a 5% discount if you qualify.
  • Safe Drivers – Drivers who don’t get into accidents may save up to 50% more for Esteem coverage than less cautious drivers.
  • Senior Citizens – If you qualify as a senior citizen, you may qualify for a small decrease in premiums for Esteem coverage.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Most only cut specific coverage prices like comprehensive or collision. Just because you may think all the discounts add up to a free policy, you’re out of luck. Any qualifying discounts will reduce your premiums.

Insurance companies that may offer these discounts may include but are not limited to:

Check with each company which discounts they offer. Some discounts might not be offered in your area.

Your coverage should be tailored to you

When choosing proper insurance coverage, there is no cookie cutter policy. Each situation is unique.

Here are some questions about coverages that might point out whether your personal situation will benefit from professional help.

  • Am I covered when driving a rental car?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What is UM/UIM insurance?
  • Does coverage extend to my business vehicle?
  • Does my 1997 Suzuki Esteem need full coverage?
  • Do I need to file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Don’t listen to company ads

Consumers constantly see and hear ads for cheaper car insurance by Progressive, Allstate and GEICO. All the ads make the same claim that you can save if you change to their company.

But how can every company make almost identical claims? This is how they do it.

All companies are able to cherry pick for the type of driver they prefer to insure. An example of a preferred risk could possibly be over the age of 50, has no tickets, and drives newer vehicles. Any driver who meets those qualifications receives the best rates and as a result will probably save quite a bit of money when switching.

Drivers who don’t qualify for the “perfect” profile will be charged higher premiums and ends up with the driver buying from a lower-cost company. The ads say “customers that switch” not “everybody who quotes” save that much. That’s the way insurance companies can confidently make those claims.

That is why you absolutely need to get quotes from several different companies. It’s not possible to predict which insurance companies will give you the biggest savings on Suzuki Esteem insurance.

Auto insurance coverage breakdown

Understanding the coverages of your policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like fire damage, damage from getting keyed and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage – Collision insurance covers damage to your Esteem resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like sustaining damage from a pot hole, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Suzuki Esteem.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for expenses such as rehabilitation expenses, EMT expenses and surgery. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Liability insurance – Liability insurance will cover damage or injury you incur to other’s property or people that is your fault. This coverage protects you against other people’s claims, and 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. As an example, you may have limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like medical services, emergency aid, legal defense fees, medical expenses and pain and suffering. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Spend less. Save more.

When you buy insurance online, it’s a bad idea to buy poor coverage just to save money. There have been many situations where an accident victim reduced comprehensive coverage or liability limits only to find out that they should have had better coverage. The ultimate goal is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

Consumers leave their current company for a number of reasons such as policy cancellation, lack of trust in their agent, questionable increases in premium or even unfair underwriting practices. Regardless of your reason for switching companies, choosing a new company is not as difficult as it may seem.

Budget-conscious 1997 Suzuki Esteem insurance can be bought online as well as from independent agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who don’t offer the ability to get a quote online and these small, regional companies work with independent agents.

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