1990 Suzuki Sidekick Insurance Rates – 5 Ideas for Best Quotes

Trying to find lower insurance rates for your Suzuki Sidekick? Searching for low-cost insurance for a Suzuki Sidekick can normally be a lot of work, but you can learn these tips to save time. There are more efficient ways to buy insurance so we’re going to tell you the best way to compare rates for a Suzuki and get the cheapest rates from both online companies and local agents.

How to get free insurance quotes online

Lowering your 1990 Suzuki Sidekick insurance rates isn’t really that difficult. The only requirement is to spend a few minutes getting comparison quotes to discover which company has affordable car insurance quotes. It’s super easy and can be done in a couple of different ways.

Experts agree that the best way to get quotes for comparison would be an industry-wide quote request form click here to open form in new window. This method prevents you from having to do repetitive form entry for each company you want a rate for. One quote request will return quotes direct from many companies. It’s definitely the quickest method.

Another way to shop for insurance online is to take the time to go to each individual company website and request a quote. For sake of this example, let’s assume you are doing a rate comparison from Progressive, Safeco and State Farm. To find out each rate you need to spend time going to each site individually and repeatedly enter your information, and that explains why we recommend the first method.

For a list of links to insurance companies in your area, click here.

It’s up to you which method you use, but do your best to use equivalent coverage data for each comparison quote. If the quotes have different deductibles it’s not possible to decipher which rate is best.

Find hidden discounts to get affordable auto insurance rates

Companies do not advertise every disount available very clearly, so the list below gives a summary of a few of the more well known and also the lesser-known credits available to you.

  • E-sign Discounts – A few larger online companies give back up to $50 for buying your policy on the web.
  • Homeowners Pay Less – Simply owning a home may trigger a policy discount on auto insurance because maintaining a house is proof of financial responsibility.
  • Anti-lock Brake System – Cars and trucks that have anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • New Vehicle Savings – Buying auto insurance coverage on a new vehicle is cheaper because new model year vehicles are generally safer.
  • Accident Waiver – This one is not really a discount per se, but companies like GEICO, Progressive, and Allstate allow you one accident before your rates go up if you have no claims for a certain period of time.

One thing to note about discounts is that most credits do not apply to the entire cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, it just doesn’t work that way.

Auto insurance companies that may offer policyholders many of the previously listed discounts include:

Check with each company or agent to give you their best rates. Depending on the company, some discounts may not apply in your area.

Tailor your insurance coverage coverage to you

When it comes to buying the right insurance coverage, there really is not a cookie cutter policy. Every situation is different.

Here are some questions about coverages that might help in determining whether or not you would benefit from professional advice.

  • Is my dog or cat covered if injured in an accident?
  • Should I bundle my homeowners policy with my auto?
  • How much liability coverage do I need in my state?
  • How do I buy GAP insurance?
  • Does car insurance cover theft of personal property?
  • Is my camper covered by my car insurance policy?
  • Should I get collision insurance on every vehicle?
  • How much can I save by bundling my policies?
  • When should I drop full coverage on my 1990 Suzuki Sidekick?
  • Where can I find DUI or SR-22 insurance?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Insurance policy coverages for a 1990 Suzuki Sidekick

Knowing the specifics of your insurance policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Collision insurance

This coverage will pay to fix damage to your Sidekick from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as rolling your car, sideswiping another vehicle, hitting a parking meter and scraping a guard rail. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive coverage

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as vandalism, hail damage, rock chips in glass and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your Suzuki Sidekick.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for expenses like doctor visits, nursing services, dental work, chiropractic care and ambulance fees. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This coverage provides protection from damage that occurs to a person or their property in an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims such as pain and suffering, medical services and structural damage. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.