2000 Isuzu Amigo Insurance Cost

Finding low-cost insurance for a new or used Isuzu Amigo can normally be a lot of work, but you can use these tips to save time. There is a better way to buy insurance and we’ll show you the absolute fastest way to compare rates for a Isuzu and locate the cheapest rates from local insurance agents and online providers.

Choosing the best insurance company for you is quite easy. If you have a current insurance policy or need a new policy, you can use this information to find the best rates while maintaining coverages. Drivers only need an understanding of the most efficient way to compare prices on the web.

Automobile Insurance Quotes

Shopping for lower car insurance rates can take hours if you don’t utilize the easiest way. You can waste a few hours (or days) talking to agents in your area, or you can stay home and use online quoting to accomplish the same thing much quicker.

Most of the best insurance companies belong to a marketplace that enables customers to send in one quote, and each company provides a quote based on the submitted data. This saves time by eliminating quote requests for each company you want a rate for.

To fill out one form to compare multiple rates now click here to open in new window.

The single downside to comparing rates this way is buyers cannot specifically choose which carriers you want pricing from. If you would rather choose specific providers to request quotes from, we have assembled a list of the cheapest car insurance companies in your area. View list of insurance companies.

Whichever way you use, double check that you are using identical deductibles and coverage limits for every quote you compare. If you are comparing different liability limits you can’t possibly make a fair comparison for your Isuzu Amigo.

Don’t overlook these discounts

Car insurance companies do not list every available discount in an easy-to-find place, so here is a list some of the best known and also the lesser-known savings tricks you should be using. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Payment Method – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Good Student – A discount for being a good student can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Senior Citizens – Older drivers may qualify for reduced rates on Amigo coverage.
  • Defensive Driver – Completing a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Accident Waiver – A handful of insurance companies will allow you to have one accident before your rates go up so long as you haven’t had any claims for a set time period.
  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Paperwork-free – Certain companies may give you up to $50 for buying a policy and signing up digitally online.

It’s important to understand that most credits do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you can get free auto insurance, it doesn’t quite work that way.

Insurance companies who might offer some of the above discounts include:

Check with all companies you are considering which discounts they offer. All car insurance discounts may not be available in your area.

Is my situation unique?

When buying adequate coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s needs are different.

These are some specific questions might point out if your insurance needs would benefit from an agent’s advice.

  • Who is covered when they drive my 2000 Isuzu Amigo?
  • When can my company non-renew my policy?
  • What can I do if my company won’t pay a claim?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Are rock chip repairs covered?
  • Where can I find DUI or SR-22 insurance?

If you’re not sure about those questions, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can help protect your family.

Parts of the Isuzu Amigo rate equation

Consumers need to have an understanding of the rating factors that go into determining insurance coverage rates. Knowing what determines base rates allows you to make educated decisions that can help you get big savings.

  • You might want pay the small claims yourself – If you file claims often, you can look forward to either policy cancellation or increased premiums. Companies give cheaper rates to policyholders who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of larger claims.
  • Policy add-ons can waste money – There are quite a few add-on coverages that you can buy if you aren’t careful. Things like rental car reimbursement, towing coverage and additional equipment coverage may be costing you every month. They may seem like a good idea when you first buy your policy, but now you might not need them so remove them from your policy.
  • Your location affects your rates – Being located in a small town can be a good thing when buying insurance coverage. Drivers who live in large cities regularly have much more traffic and longer commute times. Fewer drivers means reduced accidents.
  • Pay less if you’re married – Having a wife or husband actually saves money on insurance coverage. It translates into being more mature it has been statistically shown that being married results in fewer claims.
  • Your stress level may be raising your rates – Occupations like lawyers, architects and dentists tend to pay the highest average rates in part from job stress and long work days. Other professions such as pilots, historians and retirees have the lowest average rates on Amigo coverage.
  • Battle of the sexes – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes have accidents at about the same rate, but the males cause more damage. They also receive more costly citations such as DWI and reckless driving. Young males are most likely to cause an accident and therefore are the most expensive to insure.
  • Pleasure use saves money – Driving more miles in a year’s time the more you will pay for insurance coverage. The majority of insurers apply a rate determined by how the vehicle is used. Autos that are left in the garage get more affordable rates than vehicles that are driven to work every day. An improperly rated Amigo may be costing you. Verify your insurance coverage coverage is showing the proper vehicle usage.

Specific coverage details

Understanding the coverages of your auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Liability car insurance – Liability coverage can cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability can pay for claims like emergency aid, legal defense fees, attorney fees, bail bonds and repair costs for stationary objects. How much coverage you buy is up to you, but you should buy higher limits if possible.

Comprehensive protection – Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hail damage, damage from flooding, damage from getting keyed, a broken windshield and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense coverage – Med pay and PIP coverage kick in for expenses like pain medications, EMT expenses and funeral costs. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverage – This coverage pays for damage to your Amigo caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like scraping a guard rail, crashing into a building and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

The bottom line

You just read many ideas to lower your 2000 Isuzu Amigo insurance rates. The most important thing to understand is the more providers you compare, the better your comparison will be. You may even discover the biggest savings come from an unexpected company.

When trying to cut insurance costs, don’t be tempted to reduce needed coverages to save money. There are a lot of situations where an insured cut liability limits or collision coverage and discovered at claim time that they should have had better coverage. The ultimate goal is to find the BEST coverage at an affordable rate, not the least amount of coverage.

Discount insurance can be bought online and with local insurance agents, and you need to price shop both to have the best chance of lowering rates. A few companies do not offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

Much more information about insurance coverage can be found on the following sites: