Compare 1995 Suzuki Samurai Car Insurance Rates

Sick and tired of sacrificing to make your car insurance payment? You are no different than millions of other vehicle owners.

Because there are so many choices of insurance companies, it can be challenging to pick the lowest cost company.

You need to check car insurance prices once or twice a year due to the fact that insurance prices change regularly. Just because you found the best rate for Samurai coverage two years ago the chances are good that you can find a lower premium rate today. Block out anything you think you know about car insurance because you’re about to learn the best way to properly buy coverages and cut your premium.

The purpose of this post is to teach you the most effective way to quote insurance and some money-saving tips. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using this information. Although consumers must comprehend the methods companies use to sell online and apply this information to your search.

Find hidden discounts to get affordable insurance quotes

Some providers do not advertise every discount they offer very clearly, so we break down some of the more common and also the more inconspicuous discounts that you can inquire about if you buy car insurance online.

  • Onboard Data Collection – Drivers who elect to allow their insurance company to scrutinize when and where they use their vehicle by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks as long as they are good drivers.
  • Distant Student Discount – College-age children who are attending college and do not take a car to college may be insured at a cheaper rate.
  • Accident Waiver – Not necessarily a discount, but some companies like GEICO and Liberty Mutual will forgive one accident before raising your premiums as long as you don’t have any claims for a specific time period.
  • Safety Restraint Discount – Buckling up and requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
  • No Accidents – Insureds who avoid accidents and claims pay much less in comparison with insureds who have frequent claims or accidents.

As is typical with insurance, some of the credits will not apply to your bottom line cost. Most only reduce the cost of specific coverages such as medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, it just doesn’t work that way.

Large insurance companies and a summarized list of policyholder discounts can be found below.

  • GEICO may offer discounts for federal employee, membership and employees, multi-vehicle, daytime running lights, and anti-theft.
  • Mercury Insurance has savings for anti-theft, accident-free, low natural disaster claims, multi-car, good driver, and type of vehicle.
  • Farmers Insurance may include discounts for business and professional, distant student, early shopping, electronic funds transfer, homeowner, switch companies, and multi-car.
  • Auto-Owners Insurance includes discounts for multi-policy, good student, anti-lock brakes, safe driver, teen driver, safe vehicle, and group or association.
  • Liberty Mutual offers premium reductions for good student, newly retired, new vehicle discount, exclusive group savings, new move discount, multi-policy, and safety features.
  • SAFECO may have discounts that include teen safe driver, anti-lock brakes, drive less, anti-theft, bundle discounts, and multi-car.
  • Progressive offers discounts including homeowner, multi-policy, continuous coverage, multi-vehicle, good student, online quote discount, and online signing.
  • USAA policyholders can earn discounts including military installation, annual mileage, new vehicle, driver training, and safe driver.

When comparing rates, check with every insurance company which discounts they offer. Discounts may not apply to policies everywhere. To find insurance companies who offer free insurance quotes, follow this link.

How to compare insurance coverage quotes

When shopping for insurance coverage there are multiple ways of comparing rates from companies that offer insurance coverage in your state. The best way to compare 1995 Suzuki Samurai insurance prices is simply to get online rate quotes. This is very easy and can be done in several different ways.

  1. The most efficient method consumers can analyze rates is a comparison rater form like this one (opens in new window). This quick form saves time by eliminating repetitive form submissions for each company. One form submission will get you rate comparisons from multiple low-cost companies.
  2. A more time consuming way to shop for insurance coverage online is spending the time to visit the website of each company and repeat the quote process again and again. For example, we’ll assume you want to compare State Farm, Farmers and Allstate. In order to compare rates, you need to visit each site and punch in your information repeatedly, which explains why we recommend starting with the first method. To view a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just double check that you are using nearly identical information with each company. If you have differing limits you will not be able to decipher which rate is best. Slightly different coverages could throw off the whole comparison. And when comparing insurance coverage rates, know that obtaining a wide range of quotes helps locate a lower rate than you’re paying now. Some regional insurers cannot provide prices over the internet, so it’s important to compare price quotes from the smaller companies as well.

Tailor your insurance coverage to you

When buying the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Every insured’s situation is different so your insurance should reflect that For example, these questions might help in determining whether you would benefit from professional advice.

  • Are my friends covered when driving my 1995 Suzuki Samurai?
  • What are the best liability limits?
  • When can I cancel my policy?
  • Where can I find DUI or SR-22 insurance?
  • Is my nanny covered when driving my vehicle?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is my cargo covered for damage or theft?
  • How high should my medical payments coverage be?
  • Does car insurance cover theft of personal property?
  • When would I need rental car insurance?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Insurance coverages and their meanings

Understanding the coverages of your insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types available from insurance companies.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like dental work, chiropractic care and hospital visits. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

UM/UIM Coverage – Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your 1995 Suzuki Samurai.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Usually these limits are similar to your liability insurance amounts.

Collision – This coverage will pay to fix damage to your Samurai resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like rolling your car, colliding with another moving vehicle, sideswiping another vehicle, backing into a parked car and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Liability coverages – Liability insurance will cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things such as funeral expenses, bail bonds, pain and suffering and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a deer, vandalism, a broken windshield, hail damage and damage from getting keyed. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Buy online or local, you save

As you restructure your insurance plan, it’s not a good idea to reduce coverage to reduce premium. Too many times, someone sacrificed physical damage coverage only to find out they didn’t purchase enough coverage. The goal is to find the BEST coverage at the best price while not skimping on critical coverages.

We just showed you many ideas to shop for 1995 Suzuki Samurai insurance online. The key concept to understand is the more rate quotes you have, the better your chances of lowering your premium rates. You may even find the lowest car insurance rates are with a small local company. These companies may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.

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