1994 Isuzu Rodeo Car Insurance Quotes – 7 Tips to Save

Trying to find cheaper auto insurance rates for your Isuzu Rodeo? Nobody that owns a car looks forward to paying for auto insurance, particularly when the price is too high.

People have so many insurers to pick from, and although it’s a good thing to have multiple companies, having more insurance companies makes it harder to compare rates and cut insurance costs.

It’s a great practice to check auto insurance prices quite often because prices tend to go up over time. If you had the best deal on Rodeo insurance two years ago you will most likely find a better rate today. Forget all the misinformation about auto insurance because it’s time to teach you the best methods to lower your annual insurance bill.

Compare insurance coverage price quotes online

There are multiple methods to compare insurance coverage prices and some are less labor-intensive and much quicker. You can spend countless hours talking about coverages with local insurance agents in your area, or you could use the web to achieve your goal.

The majority of car insurance companies belong to an insurance system where prospective buyers submit one quote, and each participating company can provide price quotes based on that information. This saves time by eliminating repetitive form submissions to each company.

To participate in this free quote system, click here (opens in new window).

The only downside to doing it this way is that you can’t choose the insurers to get pricing from. So if you want to select specific providers to compare rates, we have a page of companies who write insurance coverage in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but try to keep the same coverage limits and deductibles on every quote you get. If you compare higher or lower deductibles it will be very difficult to make a fair comparison for your Isuzu Rodeo. Quoting even small variations in coverage limits could throw off the whole comparison. It’s important to know that making a lot of price comparisons helps improve the odds of finding a lower rate.

Auto insurance advertisements

Big name companies like State Farm, Allstate and GEICO seem to constantly run ads on TV and radio. All the companies advertise claims that you’ll save big just by moving to them. It sounds good, but how can they all cost less than your current company? It’s all in the wording.

Insurance companies provide the lowest rates for a prospective insured that will most likely be profitable. A good example of a driver they prefer could possibly be married and over the age of 30, has no tickets, and drives less than 7,500 miles a year. Any driver that hits that “sweet spot” will probably get the lowest car insurance rates and will most likely cut their rates substantially.

Insureds who are not a match for these standards will have to pay a higher premium and the customer not buying. The trick is to say “customers that switch” not “everybody who quotes” save money. That is how companies can truthfully make those statements.

Because of the profiling, you really need to do a rate comparison at every renewal. You cannot predict which auto insurance company will have the lowest car insurance rates for your situation.

Are you earning every discount?

Some insurers don’t list every disount available in an easy-to-find place, so the below list has some of the more common and the harder-to-find credits available to you.

  • Distant College Student Discount – Kids living away from home attending college and leave their car at home may be able to be covered for less.
  • Seat Belt Discounts – Drivers who require all occupants to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
  • Theft Deterent Discount – Vehicles equipped with anti-theft or alarm systems have a lower chance of being stolen and will qualify for a discount on a auto insurance quote.
  • Telematics Discount – Drivers that enable their company to monitor when and where they use their vehicle remotely such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if their driving habits are good.
  • Driver’s Education for Students – Have your child enroll and complete driver’s education in school or through a local driver safety program.
  • Include Life Insurance and Save – Select insurance companies reward you with a small discount if you purchase some life insurance too.
  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. Many companies even apply the discount to college students well after school through age 25.

A little disclaimer on discounts, most credits do not apply to the entire cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though the math looks like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

Larger insurance coverage companies and a summarized list of policyholder discounts are detailed below.

  • Travelers policyholders can earn discounts including continuous insurance, home ownership, driver training, early quote, and IntelliDrive.
  • 21st Century discounts include defensive driver, homeowners, anti-lock brakes, early bird, and teen driver.
  • State Farm has savings for student away at school, Steer Clear safe driver discount, good student, good driver, and multiple policy.
  • GEICO offers premium reductions for federal employee, good student, air bags, military active duty, multi-vehicle, and membership and employees.
  • SAFECO includes discounts for teen safe driver, multi-car, homeowner, teen safety rewards, safe driver, and anti-lock brakes.
  • AAA may offer discounts for AAA membership discount, multi-policy, anti-theft, good driver, good student, and multi-car.

Before you buy a policy, ask all companies you are considering which discounts you may be entitled to. Some of the earlier mentioned discounts may not be offered in your area. To view insurance coverage companies with the best discounts, click this link.

When in doubt talk to an agent

When it comes to choosing the right insurance coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that can aid in determining if you might need professional guidance.

  • Should I buy more coverage than the required minimum liability coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • What is no-fault insurance?
  • Is my 1994 Isuzu Rodeo covered for smoke damage?
  • Can I still get insurance after a DUI?
  • Can I rate high risk drivers on liability-only vehicles?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area.

Specific coverage details

Having a good grasp of insurance helps when choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages available from insurance companies.

Coverage for collisions

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

Collision coverage pays for claims such as driving through your garage door, sustaining damage from a pot hole, backing into a parked car and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive insurance

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like vandalism, fire damage, theft, hail damage and falling objects. The highest amount your insurance company will pay 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.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for expenses such as hospital visits, prosthetic devices, doctor visits, pain medications and nursing services. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally these coverages are set the same as your liablity limits.

Liability

This coverage can cover injuries or damage you cause to people or other property in an accident. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as medical services, emergency aid, medical expenses and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Best coverage at the best price

The cheapest 1994 Isuzu Rodeo insurance is definitely available both online in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies may not have rates over the internet and many times these small insurance companies provide coverage only through independent insurance agents.

You just read a lot of tips how to shop for 1994 Isuzu Rodeo insurance online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the most savings is with an unexpected company. Smaller companies may cover specific market segments cheaper than their larger competitors like Progressive or GEICO.

Additional information