2008 Isuzu i-Series Insurance Rates – 9 Tips to Save

Having to pay for overpriced Isuzu i-Series insurance can dwindle your personal savings and force you to prioritize other expenses. Shopping your coverage around is a smart way to cut your insurance bill.

Big companies like State Farm, Progressive and GEICO continually hit you with advertising and it is difficult to ignore the promise of big savings and effectively compare rates to find the best deal.

Consumers should take time to do rate comparisons on a regular basis because rates change regularly. Even if you got the lowest price for i-Series coverage a couple years back you can probably find a lower rate today. Ignore everything you know about insurance coverage because we’re going to demonstrate the best methods to find great coverage at a great price.

Finding Insurance Deals

When shopping for insurance there are multiple ways to compare rate quotes and find the best price. The quickest method to find the cheapest 2008 Isuzu i-Series insurance rates consists of obtaining rate quotes online. This can be done in several different ways.

  1. The recommended way to find low rates is to use a rate comparison form click here to open form in new window. This method saves time by eliminating separate quotation requests for each company. Just one form gets you price quotes from several companies.
  2. A more difficult way to find lower rates consists of visiting the website of each company and complete a new quote form. For example, let’s say you want rates from State Farm, GEICO and Progressive. To find out each rate you need to visit each site and enter your policy data, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

  3. The hardest way of getting rate comparisons is to spend time driving to and from local insurance agencies. The internet has reduced the need for local agents unless you have a need for the professional advice of a licensed agent. It is possible to get the lowest quotes online and get advice from an agent in your area.

Which method you use is up to you, but double check that you are using the exact same deductibles and coverage limits with each company. If you have unequal deductibles or liability limits it will be next to impossible to determine the best price for your Isuzu i-Series. Quoting even small variations in limits can make a big difference in price. Keep in mind that comparing more company’s prices gives you a better chance of getting better pricing.

Pay less by taking advantage of these nine discounts

Companies offering auto insurance don’t list every discount in an easy-to-find place, so the following is a list of some of the best known and the more hidden car insurance savings.

  • No Charge for an Accident – A few 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.
  • Discount for Life Insurance – Select insurance companies reward you with better rates if you take out life insurance.
  • Fewer Miles Equal More Savings – Low mileage vehicles could qualify for discounted rates on garaged vehicles.
  • Driver Safety – Successfully completing a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Student in College – Any of your kids who attend school more than 100 miles from home and don’t have a car may qualify for this discount.
  • Air Bag Discount – Cars that have air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for i-Series coverage than less cautious drivers.
  • Paperwork-free – Some insurance companies give back up to $50 for buying a policy and signing up online.

It’s important to understand that most discount credits are not given to all coverage premiums. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you could get a free car insurance policy, it just doesn’t work that way.

Insurance companies who might offer these benefits are:

Check with each company which discounts they offer. Some discounts might not apply in every state.

Your coverage should be tailored to you

When it comes to choosing proper insurance coverage, there is no cookie cutter policy. Everyone’s situation is a little different so this has to be addressed. For instance, these questions may help highlight if your insurance needs might need an agent’s assistance.

  • Should I get collision insurance on every vehicle?
  • Does car insurance cover theft of personal property?
  • What is an SR-22 filing?
  • What is covered by UM/UIM coverage?
  • Can my babysitter drive my car?
  • Does my insurance cover a custom paint job?
  • Does liability extend to a camper or trailer?
  • Do I need replacement cost coverage?
  • Where can I find DUI or SR-22 insurance?
  • What is high-risk coverage and where do I buy it?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Auto insurance coverages

Having a good grasp of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by insurance companies.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like dental work, pain medications and nursing services. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This covers damage to your i-Series resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as driving through your garage door, backing into a parked car and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Isuzu i-Series.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive coverages

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, damage from getting keyed, theft and hitting a deer. The maximum 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 it’s not worth carrying full coverage.

Liability auto insurance

Liability coverage provides protection from damages or injuries you inflict on people or other property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things such as repair costs for stationary objects, legal defense fees and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.