1995 Isuzu Rodeo Car Insurance Quotes – 9 Discounts for Cheaper Rates

If price shopping auto insurance online is new to you, you can be overwhelmed by the large number of online auto insurance companies and websites offering insurance.

Compare the Market for Car Insurance

There are several ways to compare Isuzu Rodeo car insurance quotes, but one way is easier and takes less work. You could waste time talking about coverages with local insurance agents in your area, or you can utilize online quoting to get the quickest rates.

Most major companies participate in a marketplace where prospective buyers submit one quote, and every company then gives them pricing. This system prevents you from having to do form submissions to each individual car insurance company. To submit your quote information now, click here (opens in new window).

The one disadvantage to pricing coverage this way is that consumers can’t choose the companies to get pricing from. So if you want to choose specific providers to compare, we have assembled a list of the cheapest car insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, make sure you use apples-to-apples coverage limits for each price quote. If you enter mixed coverages it’s impossible to determine which rate is truly the best. Slightly different limits can result in a big premium difference. Keep in mind that comparing a large number of companies will increase your chances of finding the best price.

Discounts are basically free money

Auto insurance companies don’t always advertise all available discounts very clearly, so we took the time to find both the well known and also the lesser-known ways to save on car insurance.

  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Rodeo coverage than less cautious drivers.
  • Good Students Pay Less – This discount can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • 55 and Retired – Older drivers may be able to get better car insurance rates for Rodeo coverage.
  • Federal Employees – Active or retired federal employment can save as much as 8% for Rodeo coverage with certain companies.
  • New Car Discount – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Homeowners Pay Less – Being a homeowner can save you money because of the fact that having a home demonstrates responsibility.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Driver Safety – Taking a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts may earn rate discounts of 20% or more.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most only cut the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, companies don’t profit that way.

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

Before buying, ask each company how you can save money. Discounts might not apply in your area.

Which insurance is the “right” coverage?

When buying the right insurance coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine if you could use an agent’s help.

  • Where can I find DUI or SR-22 insurance?
  • What can I do if my company won’t pay a claim?
  • Am I covered by my spouse’s policy after a separation?
  • Should I waive the damage coverage when renting a car?
  • Does my policy cover me when driving someone else’s vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • When should my teen driver be added to my policy?
  • Do I need roadside assistance coverage?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form.

Coverages available on your policy

Learning about specific coverages of insurance aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Collision coverages – Collision coverage covers damage to your Rodeo resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a parking meter, hitting a mailbox, damaging your car on a curb, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for expenses for dental work, nursing services, surgery, doctor visits and funeral costs. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Isuzu Rodeo.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Liability coverages – This coverage protects you from damages or injuries you inflict on other people or property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as medical services, structural damage, legal defense fees and funeral expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive insurance – This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, hitting a bird, rock chips in glass and fire damage. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.