1994 Suzuki Sidekick Insurance Rates

Looking for lower insurance coverage rates for your Suzuki Sidekick? Are you a victim of high-priced insurance coverage? Trust us when we tell you many consumers feel financially strained by their insurance coverage policy. Online insurance companies like State Farm, Progressive and Geico persitently shower you with fancy advertisements and it is difficult to see through the deception and take the time to shop coverage around.

Discounts on Suzuki Sidekick insurance

Companies don’t always publicize every available discount in an easy-to-find place, so we researched some of the more common and the harder-to-find discounts you could be receiving. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • Life Insurance Discount – Some companies give a discount if you purchase a life insurance policy as well.
  • Low Mileage – Fewer annual miles on your Suzuki could be rewarded with lower rates on the low mileage vehicles.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
  • No Claims – Drivers who don’t have accidents can save substantially as compared to accident-prone drivers.
  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
  • Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
  • Safe Drivers – Drivers who avoid accidents may save up to 50% more on Sidekick insurance than drivers with accidents.
  • Defensive Driving Course – Taking part in a driver safety course can save you 5% or more depending on where you live.
  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think adding up those discounts means a free policy, it just doesn’t work that way.

Companies who might offer these discounts include:

Before buying, ask every prospective company what discounts are available to you. Some discounts may not be available in your area.

Tailor your coverage to you

When buying coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that For instance, these questions may help you determine if your insurance needs might need an agent’s assistance.

  • Should I rate my 1994 Suzuki Sidekick as pleasure use or commute?
  • What can I do if my company denied a claim?
  • Where can I find high-risk insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Buyer beware of car insurance advertising tricks

Consumers constantly see and hear ads that promise big savings from the likes of Allstate, Geico and Progressive. All the companies make the same claim of big savings if you change your coverage to them.

But how can every company make almost identical claims?

Insurance companies have a preferred profile for the type of customer that is profitable for them. For instance, a preferred risk might be profiled as between 30 and 50, has no tickets, and has a short commute. Any new insured who matches those parameters gets the lowest rates and is almost guaranteed to save when they switch companies.

Consumers who don’t qualify for the requirements will be charged higher rates and ends up with the driver buying from a lower-cost company. Company advertisements say “people who switch” not “people who quote” save that much. That is how companies can truthfully advertise the savings. That is why you need to compare as many rates as you can. It’s not possible to predict which insurance companies will fit your personal profile best.

Information about specific coverages

Understanding the coverages of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages found on the average insurance policy.

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from getting keyed, hitting a bird and hitting a deer. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability

Liability coverage protects you from injuries or damage you cause to other people or property in an accident. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as legal defense fees, attorney fees, medical services, pain and suffering and emergency aid. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Medical costs insurance

Med pay and PIP coverage provide coverage for immediate expenses for things like surgery, pain medications and dental work. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Collision insurance

Collision insurance pays for damage to your Sidekick resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as damaging your car on a curb, crashing into a building and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Saving money makes a lot of cents

As you prepare to switch companies, do not buy less coverage just to save a little money. Too many times, an insured cut physical damage coverage and learned later that they should have had better coverage. Your focus should be to buy a smart amount of coverage at the best price while still protecting your assets.

We’ve covered a lot of ways to get a better price on 1994 Suzuki Sidekick insurance. It’s most important to understand that the more you quote, the better likelihood of reducing your rate. You may even find the best price on insurance coverage is with a small mutual company. Regional companies may often insure only within specific states and give getter rates than their larger competitors like Progressive and Geico.

More tips and info about insurance coverage is located at these sites: