1992 Suzuki Samurai Insurance Quotes – 5 Tips for Best Rates

Searching for lower car insurance rates for your Suzuki Samurai? Baffled by the wide range of car insurance providers that you can choose from? People have so many providers available that it can quickly become a big hassle to find a cheaper company.

You should make it a habit to check car insurance prices periodically since prices change quite often. Just because you had the best price for Samurai coverage at your last renewal you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in how to use online quotes to reduce your cost while increasing coverage.

Low cost car insurance prices

To get affordable auto insurance quotes, there a variety of ways of comparing rate quotes from many car insurance companies in your state. The simplest method to lower the rate you pay for 1992 Suzuki Samurai insurance is to get quotes online. It’s really quite simple and can be done in just a few minutes using one of these methods.

The most recommended method to get quotes for comparison would be an industry-wide quote request form click to view form in new window. This quick form saves time by eliminating repetitive form submissions for every car insurance company. One form submission gets insurance cost estimates from all major companies. This is perfect if you don’t have a lot of time.

A less efficient way to analyze rates is to take the time to go to the website of each company and fill out their own quote form. For instance, let’s assume you want to compare Progressive, 21st Century and Allstate. To do that, you would have to spend time going to each site individually to enter your coverage information, which is why the first method is more popular. To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just ensure you’re using apples-to-apples coverage limits and deductibles for each price quote. If each company quotes different liability limits then you won’t be able to determine which rate is truly the best. Even a minor difference in insurance coverages can make a big difference in price. And when comparison shopping, making a lot of price comparisons provides better odds of finding the best price. Not every company provides online rate quotes, so it’s necessary to compare prices from those companies as well.

Earn discounts to get lower-cost auto insurance quotes

Auto insurance is not inexpensive, but you might find some hidden discounts to help bring down the price. Certain credits will be shown at the time of purchase, but some discounts are required to be inquired about prior to receiving the credit.

  • Air Bag Discount – Factory air bags or automatic seat belts can get savings of 20 to 30 percent.
  • Discount for Swiching Early – Some insurance companies provide a discount for signing up before your current policy expires. Ten percent is about the average savings.
  • Professional Organizations – Affiliation with a civic or occupational organization is a simple method to lower premiums on your policy.
  • Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase some life insurance too.
  • Student Discounts – Maintaining excellent grades could provide a savings of up to 20% or more. The discount lasts well after school through age 25.

One thing to note about discounts is that most of the big mark downs will not be given to the entire policy premium. Most only cut specific coverage prices like physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

Insurance companies that may have most of these discounts are:

When getting free auto insurance quotes, it’s a good idea to all companies you are considering which discounts you may be entitled to. Some discounts may not be available everywhere. To choose insurers with discount auto insurance rates, follow this link.

Tailor your auto insurance coverage to you

When it comes to buying coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

For example, these questions may help you determine if your situation would benefit from professional advice.

  • Do I have coverage when making deliveries for my home business?
  • Do I need replacement cost coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is motorclub coverage worth it?
  • Why is insurance for a teen driver so high?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form.

Coverages available on your policy

Learning about specific coverages of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive auto coverage

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like theft, a tree branch falling on your vehicle, damage from getting keyed and hail damage. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as dental work, surgery, hospital visits, prosthetic devices and chiropractic care. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverage protection

This will pay to fix damage to your Samurai resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like scraping a guard rail, crashing into a building and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Liability insurance

This coverage protects you from damage or injury you incur to other people or property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like loss of income, medical services and emergency aid. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

In Summary

We covered a lot of tips how to get a better price on 1992 Suzuki Samurai insurance. It’s most important to understand that the more you quote auto insurance, the better your comparison will be. You may even discover the biggest savings come from a small mutual company.

Affordable 1992 Suzuki Samurai insurance can be sourced both online and with local insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some insurance companies do not offer the ability to get a quote online and many times these smaller companies prefer to sell through independent agents.

Consumers change insurance companies for a number of reasons such as policy cancellation, poor customer service, not issuing a premium refund or denial of a claim. Regardless of your reason for switching companies, choosing a new company can be easier than you think.

More tips and info about insurance coverage can be found in these articles: