1994 Suzuki Sidekick Insurance Rates – 7 Discounts for Cheaper Quotes

Looking for lower insurance coverage rates for your Suzuki Sidekick? Did budget coverage turn out to be an overpriced insurance coverage policy? You’re preaching to the choir because many drivers feel the same as you.

Big-name insurance companies like Progressive, State Farm and GEICO constantly bombard you with TV and radio ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It’s smart to compare prices yearly because insurance prices tend to go up over time. Despite the fact that you may have had the best rate on Sidekick insurance a few years ago you can probably find a lower rate today. Don’t believe everything you read about insurance coverage online but we’re going to give you the best ways to reduce your insurance coverage bill.

If you are paying for car insurance now, you will be able to reduce your rates substantially using these techniques. Buying car insurance is not rocket science. But drivers should learn the way companies price online insurance and use this information to your advantage.

How to get insurance quotes

There are several ways to compare insurance prices but one way is less labor-intensive and much quicker. You can spend countless hours discussing policy coverages with agents in your area, or you could save time and use online quoting to accomplish the same thing much quicker.

The majority of car insurance companies participate in an industry program where prospective buyers enter their coverage request one time, and each participating company returns a competitive quote based on the submitted data. This eliminates the need for repetitive form submissions to every company.

To submit your quote information now, click here (opens in new window).

The one downside to using this type of form is buyers cannot specifically choose the companies you want to price. So if you prefer to choose individual companies to compare, we put together a list of companies who write insurance in your area. Click to view list.

Which method you use is up to you, but make absolute certain that you use equivalent coverage limits for every quote you compare. If your comparisons have differing limits you will not be able to truly determine the lowest rate. Having just a slight variation in limits can mean a large discrepancy in price. And when comparing insurance rates, know that getting more free quotes increases the change that you will find a better price. Not every company does price estimates online, so it’s recommended that you also compare price quotes from them, too.

Earn discounts on insurance coverage

Some insurance providers don’t always publicize every disount available very clearly, so below is a list a few of the more common and also the lesser-known discounts that may be available.

  • E-sign – Some of the larger companies will provide an incentive for completing your application on their website.
  • Buy New and Save – Buying a new car model can get you a discount because new model year vehicles keep occupants safer.
  • Accident Waiver – This one is not really a discount per se, but certain companies will allow you to have one accident without raising rates with the catch being you have to be claim-free before the accident.
  • Bundle and Save – If you have multiple policies with one company you may earn 10% to 20% off each policy.
  • No Accidents – Drivers who don’t have accidents pay much less in comparison with drivers who are more careless.
  • Own a Home and Save – Owning your own home or condo can earn you a little savings because maintaining a house is proof that your finances are in order.
  • Senior Citizen Rates – Drivers that qualify as senior citizens can possibly qualify for a small decrease in premiums on Sidekick insurance.

Don’t be shocked that some credits don’t apply to the entire cost. Most only reduce specific coverage prices like collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, that’s just not realistic.

A few of the larger companies and some of the discounts are outlined below.

  • State Farm includes discounts for accident-free, student away at school, safe vehicle, driver’s education, multiple policy, defensive driving training, and anti-theft.
  • Progressive has discounts for multi-policy, continuous coverage, online signing, online quote discount, good student, and homeowner.
  • Progressive has savings for online quote discount, continuous coverage, multi-policy, multi-vehicle, online signing, and homeowner.
  • MetLife may have discounts that include multi-policy, defensive driver, accident-free, good driver, good student, claim-free
  • Farm Bureau offers premium reductions for multi-vehicle, safe driver, 55 and retired, renewal discount, good student, youthful driver, and multi-policy.
  • GEICO may offer discounts for defensive driver, federal employee, air bags, seat belt use, and anti-lock brakes.
  • SAFECO may include discounts for homeowner, teen safe driver, anti-theft, multi-car, and anti-lock brakes.

Double check with each company which discounts you may be entitled to. Savings might not be offered on policies in your area. For a list of insurers that offer some of these discounts, click this link.

Tailor your insurance coverage coverage to you

When it comes to choosing coverage, there isn’t really a “perfect” insurance plan. Each situation is unique so your insurance needs to address that. For instance, these questions may help you determine whether you might need professional guidance.

  • Will I lose any money if I cancel my policy before it expires?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Can my babysitter drive my car?
  • Which is better, split liability limits or combined limits?
  • Do I get a pro-rated refund if I cancel my policy early?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Do car insurance companies bend the truth?

Companies like Progressive, Allstate and GEICO endlessly run ads on TV and radio. They all seem to make the point that you’ll save big just by switching to them. How do they all charge you a lower premium?

Car insurance companies provide the lowest rates for the type of insured that earns them the highest profit. For instance, a desirable risk should be over age 30, has no driving citations, and drives a car with an anti-theft system. A driver that fits those parameters receive the lowest rate quotes and will also save a lot if they switch.

People who fall outside those criteria will be quoted a higher rate with the end result being the customer buying from someone else. If you listen to the ad wording, they say “customers who switch” not “everyone who quotes” save that much money. That is how companies can truthfully state the savings. This really drives home the point why you need to compare many company’s prices. It’s just too difficult to predict which insurance companies will fit you best based on your risk profile.

Information about specific coverages

Understanding the coverages of insurance can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Shown next are typical coverage types found on the average insurance policy.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability auto insurance – Liability coverage can cover damage or injury you incur to other’s property or people. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

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 liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like medical services, attorney fees, structural damage and legal defense fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision coverages – This coverage pays for damage to your Sidekick resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like sustaining damage from a pot hole, driving through your garage door and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Coverage for medical payments – Med pay and PIP coverage provide coverage for short-term medical expenses such as rehabilitation expenses, hospital visits and dental work. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive coverages – This coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, damage from flooding and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Shop. Compare. Save.

We just showed you many ideas to reduce 1994 Suzuki Sidekick insurance car insurance rates online. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Consumers may even find the best price on insurance coverage is with an unexpected company. They may often insure only within specific states and give getter rates compared to the large companies like State Farm, GEICO and Nationwide.

There are still a few companies who may not have online price quotes and many times these smaller companies only sell through independent agents. The cheapest 1994 Suzuki Sidekick insurance can be found from both online companies and also from your neighborhood agents, so you should compare both to have the best selection.

When you buy auto insurance online, make sure you don’t sacrifice coverage to reduce premiums. There are many occasions where someone dropped liability limits or collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal should be to purchase a proper amount of coverage at the best price while still protecting your assets.

More information can be found at the links below