How Much Does 1991 Isuzu Stylus Car Insurance Cost?

Trying to come up with a payment for overpriced car insurance can empty your family’s budget and force you to cut corners elsewhere. Performing a rate comparison is recommended to ensure you are getting the best deal.

Drivers have so many insurers to pick from, and although it’s nice to have multiple companies, having more insurers makes it harder to find the lowest rates.

It’s a great practice to price shop coverage yearly because prices change quite often. Just because you found the best rates for Stylus coverage a few years ago a different company probably has better rate quotes today. Ignore everything you know about car insurance because we’re going to show you one of the best ways to lower your annual insurance bill.

How to compare insurance quotes

Performing a rate comparison can take time and effort if you don’t understand the most efficient way. You can waste a lot of time talking about coverages with insurance companies in your area, or you can stay home and use online quotes to maximize your effort.

Many insurance companies belong to an insurance system where insurance shoppers submit one quote, and at least one company returns a competitive quote based on that data. This system prevents you from having to do repetitive form submissions to each company.

To compare rates now click here to start a free quote.

The only downside to getting quotes like this is you don’t know exactly which carriers you will receive quotes from. So if you prefer to pick from a list of companies to compare, we have a listing of insurance companies in your area. Click here to view list.

It’s up to you which method you use, but try to use nearly identical quote information with each company. If the quotes have different values for each quote you can’t possibly get a fair rate comparison. Quoting even small variations in insurance coverages may result in large price differences. Keep in mind that obtaining a wide range of quotes helps increase your odds of locating the best offered rates. Not every company does online quotes, so it’s important to also get rates from them, too.

Isuzu Stylus insurance costs can be more affordable

Multiple criteria are considered when pricing auto insurance. Some are obvious such as your driving record, although others are less apparent such as whether you are married or your financial responsibility.An important part of buying insurance is that you know some of the things that help calculate your premiums. When you know what positively or negatively determines premiums, this allows you to make good choices that could help you find big savings.

  • Lower rates for married couples – Your spouse actually saves money compared to being single. Having a spouse is viewed as being less irresponsible and it’s statistically proven that drivers who are married are more cautious.
  • Be proud to be claim-free – If you tend to file frequent claims, you can look forward to much higher rates or policy non-renewal. Auto insurance companies award lower rates to drivers who do not rely on their insurance for small claims. Insurance coverage is intended for major claims that would cause financial hardship.
  • A good credit score can save money – Having a bad credit score will be a significant factor in determining what you pay for car insurance. If your credit could use some work, you may save money insuring your 1991 Isuzu Stylus by improving your credit score. Drivers with very good credit scores tend to file fewer claims and have better driving records than drivers with lower credit ratings.
  • Additional coverages that may be costing you – There are a lot of add-on coverages that can add up if you aren’t careful. Things like roadside assistance, high-cost glass coverage, and Farm Bureau memberships could be just wasting money. They may seem like a good idea when you first buy your policy, but if you have no use for them remove them from your policy.
  • Safer cars means cheaper insurance – Vehicles with high crash test scores cost less to insure. The safest vehicles reduce occupant injuries and fewer serious injuries means lower claim amounts and cheaper rates on your policy.
  • Men pay more for insurance coverage – Over the last 30 years, statistics show that women are safer drivers than men. The data does not necessarily mean that men are WORSE drivers than women. Women and men are responsible for at-fault accidents at a similar rate, but the males tend to have higher claims. Men also get ticketed for serious violations like DWI (DUI) or reckless driving. Male teenagers cause the most accidents and thus pay the highest rates.
  • Save money with theft deterrents – Selecting a car model that has an advanced theft prevention system can help lower your rates. Advanced theft deterrents such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart your car from being stolen.
  • Vocation stress can affect rates – Did you know that where you work can have an impact on rates? Jobs like real estate brokers, social workers and dentists generally have the highest average rates because of high stress and incredibly demanding work hours. On the other hand, occupations like scientists, athletes and homemakers get better rates for Stylus coverage.

Insurance coverage discounts help cut rates

Companies offering auto insurance do not advertise every possible discount very well, so the following is a list of a few of the more common and the more hidden credits available to bring down your rates.

  • Policy Bundle Discount – If you combine your auto and homeowners policies and insure them with the same company you could save 10% to 20% off each policy.
  • Theft Deterent – Anti-theft and alarm system equipped vehicles can help prevent theft and therefore earn up to a 10% discount.
  • Discounts for Federal Employees – Having worked for a branch of the government can save as much as 8% for Stylus coverage depending on your insurance coverage provider.
  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Accident Waiver – This isn’t a discount exactly, but companies like Allstate and GEICO may permit one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
  • Senior Discount – Drivers that qualify as senior citizens can get reduced rates for Stylus coverage.
  • Multiple Vehicles – Having multiple cars on one policy can get a discount on all vehicles.

Please keep in mind that most of the big mark downs will not be given to all coverage premiums. Some only reduce the price of certain insurance coverages like medical payments or collision. So even though you would think it’s possible to get free car insurance, it just doesn’t work that way.

A list of companies and the discounts they provide are:

  • GEICO policyholders can earn discounts including military active duty, five-year accident-free, good student, multi-vehicle, emergency military deployment, membership and employees, and defensive driver.
  • Travelers may offer discounts for continuous insurance, save driver, payment discounts, hybrid/electric vehicle, and student away at school.
  • Farm Bureau may include discounts for renewal discount, multi-policy, driver training, safe driver, and good student.
  • Liberty Mutual has savings for hybrid vehicle, newly retired, new move discount, newly married, and good student.
  • American Family offers premium reductions for TimeAway discount, defensive driver, good driver, early bird, Steer into Savings, bundled insurance, and mySafetyValet.
  • Progressive discounts include multi-vehicle, good student, homeowner, online quote discount, and multi-policy.

When getting a coverage quote, ask all companies you are considering to give you their best rates. A few discounts may not apply in your area. To see a list of insurers that can offer you the previously mentioned discounts, click here.

Which is the best auto insurance?

When choosing the best auto insurance coverage, there really is no one size fits all plan. Every insured’s situation is different so this has to be addressed. For instance, these questions might help in determining whether your personal situation may require specific advice.

  • Is there coverage for injuries to my pets?
  • What vehicles should carry emergency assistance coverage?
  • What if I total my 1991 Isuzu Stylus and owe more than it’s worth?
  • Does having multiple vehicles earn me a discount?
  • Can my babysitter drive my car?
  • Where can I find high-risk insurance?
  • How high should deductibles be on a 1991 Isuzu Stylus?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Auto insurance coverages

Having a good grasp of your insurance policy can help you determine the right coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. These are the usual coverages offered by insurance companies.

Comprehensive protection

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hitting a bird, damage from a tornado or hurricane and a broken windshield. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability

Liability insurance protects you from damage or injury you incur to people or other property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits 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 property damage coverage for $25,000.

Liability coverage pays for claims such as loss of income, repair bills for other people’s vehicles, emergency aid, structural damage and legal defense fees. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as funeral costs, EMT expenses, pain medications and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverage protection

Collision insurance covers damage to your Stylus from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as hitting a parking meter, crashing into a building, driving through your garage door, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Saving money is sweet as honey

Lower-priced car insurance is attainable from both online companies and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates. A few companies may not offer rate quotes online and most of the time these small, regional companies prefer to sell through independent insurance agencies.

While you’re price shopping online, you should never skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced physical damage coverage only to find out they didn’t have enough coverage. The aim is to buy the best coverage you can find at the best price, but do not skimp to save money.

We’ve covered a lot of ways to save on 1991 Isuzu Stylus insurance. The key thing to remember is the more rate comparisons you have, the higher your chance of finding low cost insurance. You may even find the biggest savings come from a small local company. Smaller companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm or Progressive.

Additional information is available on the following sites: