1992 Suzuki Samurai Insurance Quotes

Want cheaper auto insurance rates for your Suzuki Samurai? I can’t think of a single person who likes having to buy auto insurance, in particular when their premiums are too high. Because you have many choices, it can be diffult for consumers to locate the right insurance company.

Do you qualify for a discount?

Auto insurance companies don’t always list every discount in an easy-to-find place, so we break down both the well known and the harder-to-find ways to save on auto insurance. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Driver Safety – Completing a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Sign Online – Some insurance companies give back up to $50 for buying your policy online.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in school.
  • Resident Student – Youth drivers who are attending college and don’t have a car may qualify for this discount.
  • Discount for Life Insurance – Select insurance companies reward you with a break if you buy auto and life insurance together.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy can get a discount on all vehicles.
  • One Accident Forgiven – A handful of insurance companies will forgive one accident before your rates go up if you are claim-free prior to the accident.
  • Good Students Pay Less – Getting good grades can save 20 to 25%. Earning this discount can benefit you up until you turn 25.

It’s important to note that many deductions do not apply to all coverage premiums. Most only reduce individual premiums such as liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.

To see a list of providers who offer auto insurance discounts, click here to view.

What coverages do I need?

When choosing adequate coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions could help you determine whether or not you could use an agent’s help.

  • What is UM/UIM insurance?
  • Is business equipment covered while in my vehicle?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I covered when driving a rental car?
  • Does having multiple vehicles earn me a discount?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance companies in your area. It is quick, free and can help protect your family.

Learn about insurance coverages for a 1992 Suzuki Samurai

Understanding the coverages of your policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average insurance policy.

Coverage for liability – Liability coverage protects you from injuries or damage you cause to other people or property by causing an accident. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as structural damage, attorney fees, repair costs for stationary objects, repair bills for other people’s vehicles and pain and suffering. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix 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 coverage pays for things such as damage from flooding, vandalism, hail damage, falling objects and damage from getting keyed. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for bills such as EMT expenses, X-ray expenses, chiropractic care, surgery and doctor visits. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers you and your occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Collision – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like damaging your car on a curb, hitting a mailbox, rolling your car and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Suzuki Samurai.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Make an honest buck

We covered many ways to compare 1992 Suzuki Samurai insurance prices online. The key concept to understand is the more you quote, the better your chances of lowering your rates. Consumers may even find the most savings is with an unexpected company. Smaller companies often have lower prices on specific markets compared to the large companies like Allstate, Geico and Progressive.

When buying insurance coverage, it’s a bad idea to buy poor coverage just to save money. In too many instances, someone sacrificed liability coverage limits and found out when filing a claim that it was a big error on their part. The proper strategy is to buy enough coverage for the lowest price.

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