1997 Suzuki Sidekick Insurance Quotes

Want cheaper car insurance rates for your Suzuki Sidekick? Consumers who are new to comparing insurance rates online could find purchasing the lowest-priced car insurance to be a formidable task.

If you currently have car insurance, you should be able to save some money using this strategy. Finding the best protection can be fairly easy. Nevertheless, consumers must know the methods companies use to determine prices and use this information to your advantage.

More discounts equal less premium

Car insurance companies don’t necessarily list all available discounts very well, so we researched some of the more common as well as the least known discounts you could be receiving.

  • Low Mileage – Low mileage vehicles can earn better rates on cars that stay parked.
  • Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less on Sidekick insurance than drivers with accident claims.
  • Defensive Driving Course – Taking a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Homeowners Discount – Simply owning a home may trigger a insurance policy discount because owning a home shows financial diligence.
  • Good Students Pay Less – This discount can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.
  • Discount for Life Insurance – Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Accident Free – Drivers who don’t have accidents can earn big discounts when compared to frequent claim filers.

It’s important to understand that some of the credits will not apply to your bottom line cost. Most cut individual premiums such as physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, you won’t be that lucky.

For a list of insurance companies with the best insurance discounts, click here to view.

Insurance Coverage Comparisons

To find the best insurance coverage prices, there are several ways to get quotes from insurance coverage companies in your area. The simplest method to compare 1997 Suzuki Sidekick insurance prices is to perform an online rate comparison. This can be done in a couple of different ways.

  • The most efficient way consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing a different quote for each company. In just a few minutes this one form gets you coverage quotes from all major companies. Recommended for those who want to invest the least amount of time.
  • Another way to compare prices requires visiting the website for every company you want to comare to complete a price quote. For examples sake, we’ll pretend you want comparison quotes from Progressive, Farmers and Geico. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, which is why most consumers use the first method.

    For a handy list of car insurance company links in your area, click here.

It’s up to you which method you use, but double check that you are using apples-to-apples coverage information for every company. If you use differing limits it will be very difficult to make a fair comparison for your Suzuki Sidekick. Having just a slight variation in coverage limits may cause a big price difference. Just remember that getting more free quotes will increase your chances of finding the best offered rates.

Complexity of Suzuki Sidekick insurance rates

Consumers need to have an understanding of the rating factors that come into play when calculating your auto insurance rates. Knowing what controls the rates you pay helps enable you to make changes that may reward you with much lower annual insurance costs.

  • Lower deductibles cost more – Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your Suzuki. A few examples of covered claims are colliding with a building, vandalism, and windstorm damage. Deductibles for physical damage are how much you are willing to pay out-of-pocket before your auto insurance pays a claim. The more money you have to pay, the lower your rates will be on Sidekick insurance.
  • Drive a safer car and pay less – Vehicles with good safety scores get lower rates. The safest vehicles reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates. If your Suzuki Sidekick earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Being married is a good thing – Getting married can actually save you money on auto insurance. Marriage means you’re more responsible and it’s statistically proven that married drivers get in fewer accidents.
  • Your location affects your rates – Residing in a rural area can be a good thing when talking about auto insurance. Less people living in that area means reduced accidents and a lower car theft rate. City drivers have much more traffic to deal with and much longer commute distances. More time commuting means higher likelihood of an accident.
  • Don’t get talked into coverage you don’t need – There are a ton of extra bells and whistles that you can get tricked into buying on your Sidekick policy. Things like vanishing deductibles, accidental death and term life insurance are examples of these. They may seem good initially, but if they’re wasting money remove them from your policy.
  • Your age impacts your rates – Older drivers are more responsible, statistically cause fewer accidents and are safer drivers. Teen drivers are known to be careless and easily distracted behind the wheel therefore auto insurance rates are much higher.
  • How credit affects auto insurance rates – Having a bad credit rating is a large factor in calculating your auto insurance rates. Drivers with high credit scores tend to file fewer claims and have better driving records than those with lower ratings. If your credit rating can use some improvement, you could potentially save money when insuring your 1997 Suzuki Sidekick by spending a little time repairing your credit.
  • Where do you drive? – The more miles you rack up on your Suzuki each year the higher your rate. Almost all companies price each vehicle’s coverage based on how the vehicle is used. Autos left parked in the garage qualify for better rates than those used for commuting. Make sure your auto insurance policy is rated on how each vehicle is driven. If your policy improperly rates your Sidekick may be wasting your money.

It’s not one size fits all

When it comes to buying adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Every situation is different.

These are some specific questions might help in determining whether your personal situation might need professional guidance.

  • Can I drive in Mexico and have coverage?
  • Can I still get insurance after a DUI?
  • Is my camper covered by my car insurance policy?
  • What if I owe more than I can insure my car for?
  • Do I need replacement cost coverage on my 1997 Suzuki Sidekick?
  • How much can I save by bundling my policies?
  • What is UM/UIM insurance?
  • What discounts do I qualify for?

If you don’t know the answers to these questions, you might consider talking to an agent. To find an agent in your area, simply complete this short form.

Beware of misleading car insurance ads

State Farm, Allstate and Geico regularly use ads in print and on television. All the companies say the same thing that you can save if you move your policy. How does each company claim to save you money?

Different companies can use profiling for the type of customer that is profitable for them. For example, a profitable customer could be between 30 and 50, is a homeowner, and has excellent credit. A customer getting a price quote who fits that profile will get the preferred rates and therefore will save when they switch companies.

Consumers who don’t meet these standards will have to pay a higher premium which leads to business going elsewhere. The ad wording is “drivers who switch” not “everyone that quotes” save that kind of money. That is how companies can advertise the savings. Because of the profiling, you absolutely need to get quotes from several different companies. It is impossible to predict the company that will provide you with the cheapest Suzuki Sidekick insurance rates.

Auto insurance coverage information

Understanding the coverages of insurance can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for bills such as dental work, nursing services, prosthetic devices, rehabilitation expenses and funeral costs. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Comprehensive (Other than Collision) – This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, a broken windshield, damage from a tornado or hurricane and hitting a deer. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your 1997 Suzuki Sidekick.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Collision – Collision coverage will pay to fix damage to your Sidekick resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sustaining damage from a pot hole, driving through your garage door, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, 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.

Liability insurance – This provides protection from damage or injury you incur to a person or their property by causing an accident. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like funeral expenses, emergency aid and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

In any little way, save everyday

Cheap 1997 Suzuki Sidekick insurance can be purchased both online in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies do not provide online price quotes and most of the time these smaller companies sell through independent agents.

Drivers change insurance companies for a number of reasons such as high prices, lack of trust in their agent, an unsatisfactory settlement offer or even being labeled a high risk driver. No matter why you want to switch, finding a great new company is not as hard as you think.

We just presented a lot of ways to get a better price on insurance. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. You may even find the most savings is with some of the smallest insurance companies.

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