View 2006 Isuzu i-Series Car Insurance Rates

Tired of not being able to afford to buy car insurance? You are no different than the majority of other car owners. Many insurance companies compete for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the lowest rate possible.

If you have a current insurance policy or are just looking to switch companies, you can use these techniques to shop for the lowest rates while maximizing coverage. Finding affordable coverage is quite easy. Drivers just need to learn how to compare company rates on the web.

Don’t pay full price with these discounts

Companies do not list all available discounts in a way that’s easy to find, so we break down both well-publicized and the more hidden ways to save on auto insurance. If you aren’t receiving every discount available, you’re paying more than you need to.

Multi-car Discount – Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
Service Members Pay Less – Being on active duty in the military could mean lower rates.
Air Bag Discount – Vehicles with factory air bags can receive discounts of up to 25% or more.
Save over 55 – If you qualify as a senior citizen, you may be able to get a discount up to 10% for i-Series coverage.
Federal Employees – Employees or retirees of the government can earn a discount up to 10% for i-Series coverage with select insurance companies.
Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
Clubs and Organizations – Being a member of a qualifying organization could trigger savings on auto insurance for i-Series coverage.

It’s important to understand that most discounts do not apply the the whole policy. A few only apply to individual premiums such as collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, it just doesn’t work that way.

To see a list of insurance companies with discount auto insurance rates, follow this link.

How to Get Cheap Insurance

Cutting your insurance rates can be relatively painless. All that’s required is to invest a few minutes to get quotes provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.

One of the simplest ways to get the best comparison quotes is a comparison rater form (click to open form in new window). This method eliminates the need for separate quotation requests for each company. Filling out one form will return price quotes from multiple low-cost companies.
A less efficient way to get quotes online consists of visiting the website for each individual company to request a price quote. For sake of this example, we’ll pretend you want to compare Liberty Mutual, Allstate and GMAC. To get rate quotes you would need to take the time to go to each site and enter your policy data, and that’s why the first method is more popular.
For a handy list of car insurance company links in your area, click here.

It’s up to you which method you use, but be sure to compare apples-to-apples coverages and limits for each comparison quote. If you enter different liability limits it will be very difficult to truly determine the lowest rate.

Why your Isuzu i-Series might be costing you more

It’s important that you understand some of the elements that help determine the rates you pay for auto insurance. Understanding what influences your rates helps enable you to make changes that will entitle you to better auto insurance rates.

Being married can save on auto insurance – Having a wife or husband can get you a discount when buying auto insurance. Having a significant other usually means you are more mature than a single person and statistics show drivers who are married are more cautious.
Car features impact rates – Choosing a vehicle with an alarm system can help lower your rates. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart auto theft.
With age comes lower rates – Mature drivers are more responsible, tend to cause fewer accidents and get fewer tickets. Young drivers tend to get distracted easily in a vehicle therefore auto insurance rates are much higher.
Don’t skimp on liability – Your policy’s liability coverage provides coverage if you are found to be at fault for causing damage or personal injury in an accident. It provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should carry high limits.

Your personal situation dictates your coverage

When it comes to buying proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions could help you determine whether you would benefit from professional advice.

Should I put collision coverage on all my vehicles?
Do I have coverage when making deliveries for my home business?
What is UM/UIM insurance?
When should I buy a commercial auto policy?
Do I need to file an SR-22 for a DUI in my state?
How can I get my company to pay me more for my totalled car?
Am I covered when driving someone else’s vehicle?
Is my vehicle covered by my employer’s policy when using it for work?
Do I need replacement cost coverage on my 2006 Isuzu i-Series?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Is there deception in advertising?

Drivers constantly see and hear ads that promise big savings from companies such as Progressive, Allstate and Geico. They all seem to make the same claim of big savings if you switch your policy.

How can each company say the same thing?

Insurance companies are able to cherry pick for the type of customer that earns them a profit. An example of a desirable insured might be a mature driver, has no prior claims, and drives less than 7,500 miles a year. A customer getting a price quote who fits that profile will qualify for the lowest rates and as a result will probably cut their rates substantially.

Drivers who don’t measure up to the “perfect” profile will be quoted higher prices which usually ends up with the customer not buying. Company advertisements say “drivers who switch” not “people who quote” save that kind of money. That’s the way insurance companies can make the claims of big savings. This emphasizes why you absolutely need to quote coverage with many companies. Because you never know the company that will provide you with the cheapest Isuzu i-Series insurance rates.

Car insurance coverage information

Having a good grasp of a auto insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are typical coverage types available from auto insurance companies.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like surgery, pain medications, prosthetic devices, rehabilitation expenses and dental work. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix 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 coverage protects against things like hitting a bird, a tree branch falling on your vehicle and falling objects. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your 2006 Isuzu i-Series.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sustaining damage from a pot hole, rolling your car and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Liability coverage

This coverage provides protection from damages or injuries you inflict on other people or property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as medical services, structural damage, legal defense fees and emergency aid. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Buy online or local, you save

As you prepare to switch companies, it’s very important that you do not buy less coverage just to save a little money. There are too many instances where someone dropped comprehensive coverage or liability limits and learned later that it was a big mistake. Your focus should be to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

Cheap 2006 Isuzu i-Series insurance is attainable from both online companies in addition to many insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies do not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.