1996 Suzuki Sidekick Car Insurance Quotes – 10 Discounts for Cheaper Rates

Want better car insurance rates for your Suzuki Sidekick? Buying low-cost car insurance on the web can seem to be impossible for consumers not familiar with buying insurance on the web. With dozens of insurance companies available, how can consumers effectively compare every one to find the best available rates?

Free Quotes for Auto Insurance

To find the best auto insurance prices, there are several ways to compare rate quotes and find the best price. By far the easiest way to find competitive 1996 Suzuki Sidekick insurance rates is to use the internet to compare rates. This can be accomplished using a couple different methods.

  1. One of the simplest ways to find low rates is to use a rate comparison form click here to open form in new window. This easy form saves time by eliminating repetitive form entry to each individual auto insurance company. One form submission will get you price quotes from many national carriers. This is perfect if you don’t have a lot of time.
  2. Another way to find lower rates requires a trip to each individual company website to complete a price quote. For sake of this example, we’ll assume you want to compare rates from Farmers, Esurance and Allstate. You would have to go to every website to input your insurance information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

It doesn’t matter which method you choose, just ensure you are comparing identical quote information with each company. If you enter mixed coverages then you won’t be able to determine the best price for your Suzuki Sidekick. Just a small difference in coverages may result in large price differences. Just keep in mind that comparing more company’s prices will enable you to find better pricing.

Don’t be fooled by advertising claims

Auto insurance companies such as Progressive, Allstate and Geico consistently run ads on television and other media. They all seem to have a common claim that you’ll save big if you change to their company. But how can every company claim to save you money?

All companies have a preferred profile for the type of customer that is profitable for them. For instance, a preferred risk could be over the age of 50, has no driving citations, and drives newer vehicles. A propective insured who matches those parameters will get very good rates and is almost guaranteed to save when switching.

Drivers who don’t measure up to the requirements will have to pay higher premiums and ends up with business not being written. The ads state “drivers who switch” not “everybody who quotes” save that much. That’s the way insurance companies can advertise the way they do.

Because of the profiling, it’s extremely important to get quotes from several different companies. It’s impossible to know which insurance companies will provide you with the cheapest Suzuki Sidekick insurance rates.

How to reduce Suzuki Sidekick insurance rates

Insurance can cost an arm and a leg, but companies offer discounts that you may not know about. Some trigger automatically when you get a quote, but some must be asked for before you get the savings.

  • Federal Government Employee – Employees or retirees of the government can save as much as 8% on Sidekick insurance with a few auto insurance companies.
  • Paperwork-free – Certain companies will discount your bill up to fifty bucks simply for signing on their website.
  • Resident Student – Any of your kids who are attending college and do not have a car can receive lower rates.
  • Discount for Swiching Early – Select companies give a discount for buying a policy before your current policy expires. The savings is around 10%.
  • Life Insurance – Select insurance companies reward you with better rates if you take out life insurance.
  • Multiple Vehicles – Having multiple vehicles on the same auto insurance policy could earn a price break for each car.
  • Claim Free – Claim-free drivers can earn big discounts when compared with frequent claim filers.
  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on Sidekick insurance than drivers with accidents.
  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class in high school.
  • Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.

It’s important to note that some of the credits will not apply to the overall cost of the policy. Most cut individual premiums such as collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, you’re out of luck. Any qualifying discounts will bring down your overall premium however.

Insurance companies that may offer these money-saving discounts are:

Check with every prospective company which discounts they offer. Discounts might not apply in every state.

Tailor your coverage to you

When choosing coverage for your vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out whether or not you would benefit from professional advice.

  • Can my teen drive my company car?
  • What vehicles should carry emergency assistance coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Why am I required to buy high-risk coverage?
  • Can I get a multi-policy discount?
  • Do I have any recourse if my insurance company denies a claim?
  • At what point should I drop full coverage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Insurance coverage options for a Suzuki Sidekick

Understanding the coverages of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be confusing and nobody wants to actually read their policy.

Collision coverages – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like hitting a mailbox, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Insurance for medical payments – Med pay and PIP coverage provide coverage for immediate expenses like ambulance fees, dental work and doctor visits. The coverages can be 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 is not universally available but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like vandalism, falling objects, theft and a tree branch falling on your vehicle. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance – This provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Suzuki Sidekick.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these limits are set the same as your liablity limits.

Liability coverages – This coverage can cover damage that occurs to people or other property. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like loss of income, attorney fees and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Be a penny pincher

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice liability limits or collision coverage to discover at claim time that the small savings ended up costing them much more. Your strategy should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

Consumers switch companies for any number of reasons including high prices, being labeled a high risk driver, an unsatisfactory settlement offer or policy cancellation. Whatever your reason, choosing a new company can be less work than you think.

We just presented a lot of tips how to get a better price on 1996 Suzuki Sidekick insurance. The most important thing to understand is the more times you quote, the higher your chance of finding lower rates. You may even discover the most savings is with a lesser-known regional company.

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