How Much Does 1997 Isuzu Trooper Insurance Cost?

Looking for lower car insurance rates for your Isuzu Trooper? Are you a victim of overpriced car insurance? Trust us when we tell you you are not the only one feeling buyer’s remorse.

Companies like Progressive, State Farm and Geico increase brand awareness with ads and consumers find it hard to see past the geckos and flying pigs and take the time to shop coverage around.

Isuzu Trooper rates influenced by many factors

Smart consumers have a good feel for some of the elements that help determine the rates you pay for car insurance. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that could result in better car insurance rates.

The following are some of the items used by your company to calculate premiums.

  • Traffic violations increase rates – Whether or not you get tickets has a lot to do with how much you pay for insurance. Only having one speeding ticket can boost insurance rates by as much as thirty percent. Careful drivers have lower premiums than bad drivers. Drivers with serious tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 form with their state DMV in order to continue driving.
  • Women pay lower rates – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. They both cause accidents in similar percentages, but the men cause more damage. Men also statistically receive more costly citations such as DWI and reckless driving. Teenage male drivers are several times more likely to be in an accident and thus pay the highest rates.
  • Lower rates come with age – Teenage drivers are known to be more careless when driving so they pay higher car insurance rates. Parents adding a teenage driver onto a policy can be quite pricey. More mature drivers are viewed as being more responsible, file fewer claims and receive fewer citations.
  • High deductibles save money – Insurance for physical damage to your car, also known as collision and other-than-collision, protects your Isuzu from damage. Some instances where coverage would apply are a windshield shattered by a rock, collision with an animal, and windstorm damage. The deductibles are the amount of money you are willing to pay before your car insurance pays a claim. The more you are required to pay out-of-pocket, the lower your rates will be for Trooper coverage.
  • You might want pay the small claims yourself – If you frequently file small claims, you can look forward to higher rates. Insurance companies generally give better rates to policyholders who are claim-free. Insurance coverage is intended for larger claims.
  • Liability coverage is peace of mind – Liability insurance is the coverage that protects you if ever a jury decides you are liable for causing damage or personal injury in an accident. It will provide legal defense coverage which can be incredibly expensive. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.

Auto Insurance Prices

When shopping for auto insurance there are multiple ways to compare rate quotes from local auto insurance companies. The recommended way to compare 1997 Isuzu Trooper insurance prices involves getting comparison quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The first (and easiest) way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This form eliminates the need for repetitive form submissions for each company. Just one form gets you price quotes from all major companies.

A harder way to find lower rates consists of going to each company’s website and request a quote. For instance, we’ll assume you want to compare Progressive, Farmers and GMAC. To get rate quotes you would need to spend time on each company’s site to input your insurance information, which is why the first method is more popular.

To view a list of companies in your area, click here.

However you get your quotes, compare exactly the same coverage information for every quote you compare. If each company quotes different limits and deductibles on each one it will be very difficult to determine the lowest rate for your Isuzu Trooper. Having just a slight variation in insurance coverages can mean a large discrepancy in price. It’s important to know that obtaining a wide range of quotes will enable you to find the best rates.

Ads can be misleading

Allstate, Geico and Progressive regularly use ads in print and on television. All the companies have a common claim of big savings if you move your policy. How do they all claim to save you money?

All companies can use profiling for the type of customer they prefer to insure. For instance, a driver they prefer could possibly be a mature driver, has no driving citations, and drives less than 10,000 miles a year. A propective insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Potential insureds who don’t qualify for the requirements must pay higher rates which usually ends up with the customer not buying. Company advertisements say “people who switch” not “everybody who quotes” save that much money. That’s why companies can make those claims. This illustrates why it’s extremely important to get as many comparisons as possible. It’s impossible to know which insurance coverage company will fit your personal profile best.

More discounts equal less premium

Companies that sell car insurance don’t list all their discounts in a way that’s easy to find, so here is a list both well-publicized as well as the least known ways to save on insurance.

  • Auto/Home Discount – When you have multiple policies with one insurance company you could get a discount of approximately 10% to 15%.
  • Claim Free – Drivers who don’t have accidents pay much less when compared with frequent claim filers.
  • Early Signing – A few companies offer discounts for signing up prior to your current policy expiration. This can save 10% or more.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Low Mileage – Driving fewer miles can qualify you for better rates on cars that stay parked.
  • College Student – Youth drivers who are attending college and do not have access to a covered vehicle may be able to be covered for less.

Consumers should know that most of the big mark downs will not be given the the whole policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. So when the math indicates all those discounts means the company will pay you, insurance companies aren’t that generous.

For a list of insurers who offer insurance discounts, click this link.

It’s not one size fits all

When buying the best car insurance coverage for your personal vehicles, there really is no one size fits all plan. Each situation is unique so your insurance should reflect that For example, these questions could help you determine whether you might need an agent’s assistance.

  • Should I buy full coverage?
  • Is a blown tire covered by insurance?
  • Can my babysitter drive my car?
  • Is my state a no-fault state?
  • I have a DUI can I still get coverage?
  • If I drive on a suspended license am I covered?
  • Are rock chip repairs covered?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Coverage specifics

Understanding the coverages of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and reading a policy is terribly boring. Listed below are the normal coverages found on the average insurance policy.

Uninsured or underinsured coverage

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Isuzu Trooper.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, a broken windshield and fire damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability

Liability insurance protects you from damage that occurs to other’s property or people. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability insurance covers things like medical services, structural damage, repair costs for stationary objects and legal defense fees. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like EMT expenses, prosthetic devices, ambulance fees and nursing services. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Collision coverage

This coverage covers damage to your Trooper resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like driving through your garage door, scraping a guard rail, hitting a parking meter, colliding with another moving vehicle and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Find Good Coverage for Less

While you’re price shopping online, never skimp on coverage in order to save money. In many cases, someone dropped liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase plenty of coverage at an affordable rate.

We covered a lot of ways to reduce 1997 Isuzu Trooper insurance prices online. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding lower rates. You may even discover the biggest savings come from a small mutual company. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as Geico and State Farm.

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