Cheap 1991 Suzuki Samurai Car Insurance Quotes

Searching for better auto insurance rates for your Suzuki Samurai? Scraping up a payment for pricey Suzuki Samurai insurance can overdraw your savings account and require stricter spending habits. Performing a rate comparison can be a smart way to cut your insurance bill.

Many insurance companies vie for your insurance dollar, so it’s not easy to compare every insurer to get the best rate

Smart consumers take time to shop coverage around as often as possible due to the fact that insurance prices trend upward over time. Even if you got the best deal on Samurai coverage on your last policy you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in the proper way to save on auto insurance.

Find discounts on car insurance

Some insurance providers don’t necessarily list the entire discount list in a way that’s easy to find, so the list below details some of the more common and also the more inconspicuous credits available to lower your premiums when you buy car insurance online. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Passive Restraint Discount – Factory options such as air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Sign Early and Save – A few insurance companies give discounts for switching policies early. The savings is around 10%.
  • Bundle and Save – If you can combine your auto and homeowners policy with one insurance company you could get a discount of over 10 percent off each policy depending on the company.
  • Theft Prevention Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen less frequently and will qualify for a discount on a car insurance quote.
  • Online Discount – Many car insurance companies will provide an incentive shop car insurance over the internet.
  • Professional Organizations – Belonging to specific professional or occupational memberships or organizations is a good way to get lower rates when getting a car insurance quote.
  • Student in College – who are enrolled in higher education away from home and leave their car at home may qualify for this discount.
  • Mature Driver Discount – If you qualify as a senior citizen, you may receive a small decrease in premiums on Samurai coverage.

You can save money using discounts, but most of the big mark downs will not be given to the entire policy premium. Most only cut individual premiums such as medical payments or collision. Even though it may seem like adding up those discounts means a free policy, companies don’t profit that way. But any discount will lower your overall premium however.

If you would like to view car insurance companies who offer online car insurance quotes, click here to view.

How to buy insurance online

Getting a cheaper price on 1991 Suzuki Samurai insurance can be relatively painless. Drivers just need to spend a few minutes on the computer to get quotes provided by online insurance companies. This can be done by using one of the methods below.

If you’re in a hurry, the quickest way to find low rates is a comparison rater form click here to open form in new window. This style of form saves time by eliminating separate quotation requests for every company. Completing one form compares rates direct from many companies.

A more time consuming way to compare prices is to take the time to go to each company website and complete a new quote form. For sake of this example, we’ll assume you need rates from State Farm, 21st Century and Allstate. You would need to visit each site to input your insurance information, which is why first method is reommended. For a handy list of car insurance company links in your area, click here.

The final method to shop rates is calling or driving to local insurance agencies. Comparing rates online makes this unnecessary unless your situation requires the professional guidance that you can only get from talking to an agent. Although, it is possible obtain prices from the web but have a local agent actually write the policy.

You can use whichever method you prefer to find lower rates, just do your best to enter equivalent quote data for each comparison quote. If the quotes have differing limits it will be nearly impossible to get a fair rate comparison.

The Suzuki Samurai insurance rate equation

Many factors are used in the calculation when quoting car insurance. Some are pretty understandable like your driving record, but some are less obvious such as your credit history or your commute time.

The factors shown below are a few of the things used by insurance companies to determine premiums.

  • Accidents can increase prices – Drivers with clean records pay lower auto insurance prices than their less careful counterparts. Even a single ticket can boost insurance rates to the point where it’s not affordable. Drivers who get flagrant violations like DUI or willful reckless driving are required to complete a SR-22 with their state DMV in order to prevent their license from being revoked.
  • Vehicles with better crash test results save money – Vehicles with good safety scores cost less to insure. Highly rated vehicles result in less severe injuries and fewer injuries means less money paid by your insurance company and thus lower rates. If the Suzuki Samurai earned at least four stars on Safercar.gov you are probably receiving a discount.
  • Eliminate extra policy coverages – Policies have extra add-on coverages that can waste your money if you aren’t diligent. Insurance for things like replacement cost coverage, accident forgiveness, and term life insurance are examples of these. These may sound like a good investment when deciding what coverages you need, but if you don’t need them think about removing them and cutting costs.
  • Annual mileage and car insurance premiums – Driving a lot of miles each year the higher the price you pay to insure it. A lot of companies apply a rate partially by how you use the vehicle. Vehicles that do not get driven very much receive better premium rates compared to those used for work or business. Having the wrong rating on your Samurai can result in significantly higher rates. Double check that your auto insurance policy is rated on the proper vehicle usage, because improper ratings can cost you money.
  • Multiple policies with one company can save – Many auto insurance companies will give discounts to buyers that purchase more than one policy. It’s known as a multi-policy discount. Even with this discount, you still need to check prices from other companies to verify if the discount is saving money.There is a good possibility that you can find lower rates by buying from different companies

Tailor your insurance coverage to you

When it comes to buying coverage for your personal vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions might point out whether you might need an agent’s assistance.

  • Are rental cars covered under my policy?
  • Which companies will insure high-risk drivers?
  • Should I bundle my homeowners policy with my auto?
  • What if I total my 1991 Suzuki Samurai and owe more than it’s worth?
  • Am I covered if I hit my neighbor’s mailbox?
  • Am I covered by my spouse’s policy after a separation?
  • Am I better off with higher deductibles on my 1991 Suzuki Samurai?
  • What is the rate difference between pleasure use and commuting?
  • Should I buy additional glass protection?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Truth in car insurance advertising

Drivers constantly see and hear ads that promise big savings for switching by companies like GEICO, State Farm and Progressive. They all seem to make the promise about how much you will save after switching your policy.

How do they all lower your prices? It’s all in the wording.

Insurance companies give the best rates for the right customer that will most likely be profitable. For example, this type of risk profile could be over the age of 50, carries high limits, and drives a vehicle with a low ISO rating. A customer getting a price quote that meets those criteria will qualify for the lowest rates and have a good chance to save money with a new company.

Potential insureds who don’t meet these standards may be required to pay higher rates and the driver buying from a lower-cost company. Company advertisements say “customers that switch” but not “all drivers who get quotes” save that kind of money. That is how insurance companies can lure you into getting a quote.

This emphasizes why it’s extremely important to do a rate comparison at every renewal. It’s impossible to know which car insurance company will have the lowest rate quotes.

Car insurance 101

Knowing the specifics of your auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement. These are typical coverage types found on the average auto insurance policy.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for immediate expenses for ambulance fees, X-ray expenses, dental work and surgery. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, hitting a bird and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim 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.

Liability coverages – This can cover damage that occurs to other people or property that is your fault. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like structural damage, pain and suffering and legal defense fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Collision coverages – Collision coverage covers damage to your Samurai from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as rolling your car, crashing into a building, sideswiping another vehicle, damaging your car on a curb and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your 1991 Suzuki Samurai.

Since a lot of 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 should not be overlooked. Frequently these limits are set the same as your liablity limits.

In any little way, save everyday

As you shop your coverage around, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice liability coverage limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy enough coverage at the lowest possible cost, not the least amount of coverage.

Cheaper insurance is possible online as well as from insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers do not provide rate quotes online and these smaller providers only sell coverage through independent insurance agencies.

More detailed insurance information can be read at these sites: