Lower Your 1993 Isuzu Trooper Insurance Rates

Want the cheapest insurance coverage rates for your Isuzu Trooper? Are you tired of not being able to scrape enough together to insure your Isuzu every month? You’re in the same situation as millions of other drivers. Big-name insurance companies like Allstate, Progressive and GEICO continually hit you with TV and radio ads and it is challenging if not impossible to see past the geckos and flying pigs and find the best price available.

Drivers save money with these discounts

Companies don’t list their entire list of discounts very well, so below is a list both well-publicized in addition to some of the lesser obvious credits available to you.

  • Homeowners Savings – Owning your own home or condo can save you money due to the fact that maintaining a home is proof of financial responsibility.
  • Passenger Safety Discount – Options like air bags or automatic seat belts can get savings of 25 to 30%.
  • Save over 55 – If you qualify as a senior citizen, you are able to get a discount up to 10% on Trooper insurance.
  • Auto/Home Discount – When you combine your homeowners and auto insurance with one insurance company they may give you a discount of up to 20% and get you cheaper insurance.
  • Accident Free – Drivers with accident-free driving histories have much lower rates as opposed to drivers with a long claim history.
  • Service Members Pay Less – Having an actively deployed family member could trigger a small discount.
  • E-sign – A handful of auto insurance companies will provide an incentive get insurance on the internet.
  • Data Collection Discounts – People who choose to allow driving data submission to look at their driving habits by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction as long as they are good drivers.
  • New Car Discount – Buying a new car model can save up to 30% because new vehicles are generally safer.

Discounts save money, but please remember that some credits don’t apply the the whole policy. Most only cut the cost of specific coverages such as comp or med pay. If you do the math and it seems like you would end up receiving a 100% discount, it’s just not the way it works. Any qualifying discounts will help reduce the premium cost.

Large auto insurance companies and some of the discounts are:

  • State Farm has discounts for passive restraint, accident-free, good driver, Steer Clear safe driver discount, good student, multiple autos, and anti-theft.
  • Liberty Mutual offers premium reductions for hybrid vehicle, newly married, preferred payment discount, exclusive group savings, multi-car, good student, and safety features.
  • American Family includes discounts for multi-vehicle, good driver, bundled insurance, Steer into Savings, and defensive driver.
  • Progressive discounts include multi-policy, good student, continuous coverage, online signing, and online quote discount.
  • Farmers Insurance may offer discounts for early shopping, youthful driver, good student, pay in full, bundle discounts, homeowner, and switch companies.
  • Auto-Owners Insurance has savings for anti-theft, teen driver, air bags, paid in full, safe vehicle, company car, and safe driver.
  • SAFECO policyholders can earn discounts including bundle discounts, accident prevention training, homeowner, drive less, anti-theft, anti-lock brakes, and multi-car.

Before purchasing a policy, check with each company or agent how you can save money. A few discounts might not be available to policyholders in your area. To find insurance companies who offer discounts, click here.

Special considerations

When it comes to choosing proper insurance coverage, there really is no perfect coverage plan. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that might point out whether you may require specific advice.

  • Am I covered if my car is in a flood?
  • Am I covered when driving someone else’s vehicle?
  • Should I buy more coverage than the required minimum liability coverage?
  • Does car insurance cover theft of personal property?
  • Are my friends covered when driving my car?
  • Does medical payments coverage apply to all occupants?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What is an SR-22 filing?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area. It only takes a few minutes and you can get the answers you need.

But they said I’d save $442 a year!

Consumers can’t ignore all the ads for the lowest price insurance from the likes of Allstate, GEICO and Progressive. They all seem to make the point that drivers can save some big amount after switching your insurance policy to them.

How is it plausible that every one can claim to save you money? This is how they do it.

All companies have specific characteristics for the driver that will be a good risk. For example, this type of insured might be described as over age 30, has other policies, and drives a safe vehicle. A driver that matches those criteria will probably get cheap premium rates and will most likely save some money.

People who are not a match for the “perfect” profile will be quoted a higher rate which translates to the prospect going elsewhere. The trick companies use is to say “drivers that switch” not “all people who quote” save that much money. This is how companies can lure you into getting a quote.

That is why drivers must compare free insurance quotes often. Because you never know which company will have the best prices.

Educate yourself about car insurance coverages

Understanding the coverages of your car insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. These are the usual coverages found on most car insurance policies.

Comprehensive coverage – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a deer, damage from flooding, hail damage and theft. The highest amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for expenses for things like chiropractic care, dental work, ambulance fees, X-ray expenses and rehabilitation expenses. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your 1993 Isuzu Trooper.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto liability insurance – Liability coverage will cover damage or injury you incur to other’s property or people. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims like funeral expenses, bail bonds, medical services and loss of income. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Collision coverage – Collision coverage pays for damage to your Trooper resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like sustaining damage from a pot hole, sideswiping another vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

More quotes. Lower rates.

When you buy insurance online, make sure you don’t sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut full coverage only to discover later that their decision to reduce coverage ended up costing them more. The goal is to find the BEST coverage at the lowest possible cost, not the least amount of coverage.

Some insurance providers may not offer price quotes online small insurance companies only sell through independent insurance agents. Lower-priced 1993 Isuzu Trooper insurance can be purchased online and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis.

We just presented a lot of information how to lower your 1993 Isuzu Trooper insurance prices. The most important thing to understand is the more quotes you get, the better likelihood of getting cheaper insurance. You may even find the best price on insurance is with a small mutual company. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm, GEICO and Nationwide.

More detailed insurance information can be found by following these links: