Compare 1993 Suzuki Samurai Insurance Rates

Are you drained from paying out the nose to buy auto insurance? You have the same problem as most other drivers.

Due to the increasing number of companies and agents to choose from, it can be hard to choose the best insurer.

Finding the best rates is quite easy. In a nutshell, every driver who is required by state law to have car insurance most likely will be able to find lower rates. Although car owners must learn the methods companies use to sell online and take advantage of how the system works.

How to buy car insurance online

Shopping for lower car insurance rates can be a daunting task if you don’t know the most efficient way to do it. You could waste a few hours driving to agents in your area, or you could save time and use the internet to get pricing more quickly.

Many of the larger companies belong to an insurance system where insurance shoppers submit one quote, and each participating company can give them a price for coverage. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To participate in this free quote system, click here to start a free quote.

One minor caviat to doing it this way is that consumers can’t choose the providers to get pricing from. If you wish to select specific providers to compare rates, we have a listing of car insurance companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but make sure you are using the same coverages and limits with every price quote. If you are comparing higher or lower deductibles it will be very difficult to make a fair rate comparison. Having just a slight variation in limits can mean a large discrepancy in price. And when price shopping your coverage, comparing more company’s prices increases your odds of finding the best offered rates. Not every company allows you to get rate quotes online, so it’s important to also get rates from the smaller companies as well.

Cheap insurance coverage rates with discounts

Some providers don’t always list all their discounts in an easy-to-find place, so we break down both the well known as well as the least known credits that you can use to lower your rates.

  • Save with a New Car – Insuring a vehicle that is new can get you a discount because new model year vehicles keep occupants safer.
  • Online Discount – Some of the larger companies will give you a small discount for signing up digitally online.
  • Telematics Discount – Insureds that choose to allow companies to track where and when they drive by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates if they exhibit good driving behavior.
  • Waiver for an Accident – Not a discount per se, but a handful of insurance companies may permit one accident without the usual rate increase if you are claim-free prior to the accident.
  • Switch and Save Discount – A few companies give discounts for renewing your policy prior to your current policy expiration. You could save around 10% when you buy insurance coverage online.
  • Seat Belts Save more than Lives – Drivers who require all vehicle occupants to use a seat belt can save 10% or more off the personal injury premium cost.
  • Anti-lock Brake Discount – Cars and trucks that have steering control and anti-lock brakes can avoid accidents so companies give up to a 10% discount.
  • Discount for Life Insurance – Not all companies offer life insurance, but some may give you a discount if you purchase a life insurance policy as well.
  • Low Mileage – Fewer annual miles on your Suzuki may allow you to get lower prices due to less chance of an accident.

Just know that some credits don’t apply to your bottom line cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, nobody gets a free ride.

Insurance companies that may offer quotes with these benefits include:

When getting free insurance coverage quotes, it’s a good idea to every prospective company which discounts they offer. A few discounts may not apply to policies in your area. To see insurance coverage companies who offer free insurance coverage quotes, click here to view.

Tailor your insurance coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions might help in determining whether or not you would benefit from an agent’s advice.

  • Is my nanny covered when driving my vehicle?
  • Do I have coverage for damage caused while driving under the influence?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I really need UM/UIM coverage?
  • Is business equipment covered while in my vehicle?
  • Why do I only qualify for high-risk insurance?
  • When should I remove comp and collision on my 1993 Suzuki Samurai?
  • Can my teen drive my company car?
  • Is there coverage for injuries to my pets?
  • How high should my uninsured/underinsured coverage be in my state?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Car insurance policy specifics

Learning about specific coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverages available from car insurance companies.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sustaining damage from a pot hole, crashing into a building and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hitting a deer, a broken windshield, hail damage and vandalism. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical payments

Med pay and PIP coverage kick in for expenses for surgery, dental work, funeral costs and chiropractic care. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your 1993 Suzuki Samurai.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Liability auto insurance

This coverage can cover damage or injury you incur to other’s property or people in an accident. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as repair costs for stationary objects, legal defense fees and structural damage. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.