Compare 1995 Suzuki Sidekick Insurance Cost

Trying to find better car insurance rates for your Suzuki Sidekick? Buying the lowest price car insurance may be rather difficult for beginners to price shopping online. Because there are so many companies in the marketplace, how can you even start to compare them all to find the lowest price available?

Consumers should take time to check car insurance prices before your next renewal since prices are rarely the same from one policy term to another. Even if you think you had the best quotes on Sidekick insurance a couple years back the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the proper way to reduce your cost while improving coverage.

Lower rates by qualifying for discounts

Car insurance is expensive, but you might find some hidden discounts to reduce the price significantly. Certain discounts will be applied when you complete an application, but some discounts are required to be specially asked for prior to receiving the credit.

  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts can receive discounts of more than 20%.
  • Sign Early and Save – Select larger companies give a discount for signing up before your current expiration date. This discount can save up to 10%.
  • Own a Home and Save – Being a homeowner can save a few bucks because it is proof of financial responsibility.
  • Driver Training Discounts – Taking time to complete a defensive driving course may get you a small discount and easily recoup the cost of the course.
  • Anti-lock Brake Discount – Cars with ABS and/or traction control can stop better under adverse conditions so companies give up to a 10% discount.
  • Federal Employees – Employees or retirees of the government could provide a small rate reduction on Sidekick insurance with a few car insurance companies.
  • Distant Student Discount – Children who live away from home to go to college and won’t have access to an insured vehicle may be insured at a cheaper rate.
  • Senior Discount – If you qualify as a senior citizen, you can possibly qualify for better car insurance rates on Sidekick insurance.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like medical payments or collision. So even though it sounds like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

To view car insurance companies with the best car insurance discounts, click here.

Save money with these tips

One of the most helpful ways to save on auto insurance is to to have a grasp of the rating factors that play a part in calculating the price you pay for auto insurance. If you have some idea of what determines base rates, this enables you to make decisions that may reward you with much lower annual insurance costs.

Shown below are most of the major factors used by companies to determine premiums.

  • Credit rating impact auto insurance rates – An insured’s credit rating is a large factor in calculating your auto insurance rates. Consumers who have very good credit scores tend to be better drivers and file fewer claims than those with lower ratings. Therefore, if your credit rating can use some improvement, you could be paying less to insure your 1995 Suzuki Sidekick by spending a little time repairing your credit.
  • High comp and collision deductibles cost less – Comprehensive and collision coverage deductibles are how much you are required to spend if a claim is determined to be covered. Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some examples of covered claims are colliding with a stationary object, vandalism, and damage from wind. The more of the claim you pay before a claim is paid (deductible), the less money you will pay for auto insurance on Sidekick insurance.
  • Compare rates if you combine your policies – Some insurers provide better rates to clients who have multiple policies with them such as combining an auto and homeowners policy. Even though this discount sounds good, you still need to get quotes from other companies to ensure the best deal.
  • Insurance companies don’t like frequent claims – If you’re an insured who likes to file claims you can expect higher rates. Auto insurance companies give the best rates to policyholders that do not abuse their auto insurance. Your insurance policy is designed for claims that pose a financial burden.
  • Liability protection safeguards assets – Liability coverage kicks in in the event that you are responsible for personal injury or accident damage. Liability insurance provides you with a defense in court to defend your case. Liability is cheap when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.

Insurance is unique, just like you

When buying the right insurance coverage, there really is no cookie cutter policy. Every insured’s situation is different.

Here are some questions about coverages that might help in determining if your situation would benefit from an agent’s advice.

  • What is PIP insurance?
  • Should I buy additional glass protection?
  • Will filing a claim cost me more?
  • How do I buy GAP insurance?
  • How high should deductibles be on a 1995 Suzuki Sidekick?
  • Does liability extend to a camper or trailer?
  • Do I need to file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form.

Be skeptical of insurance ads

Popular insurance providers such as State Farm, GEICO and Progressive regularly use television, radio, and online ads. All the ads convey the message about savings just by switching to their company. But how can every company charge you a lower premium? This is the way they can do it.

All companies have specific guidelines for the right customer that makes them money. For instance, this type of insured may need to be between the ages of 30 and 50, has a clean driving record, and drives a safe vehicle. Anyone who meets those qualifications receives the best prices as well as save quite a bit of money when switching.

Potential customers who may not quite match those criteria will see higher rates and ends up with the customer buying from someone else. If you listen to the ad wording, they say “drivers who switch” not “all people who quote” can get the lowest rates when switching. That’s the way insurance companies can make those claims. Each company has different criteria, so you need to compare rate quotes every year. Because without a comparison, you cannot know which insurance companies will fit your personal profile best.

What auto insurance coverages do you need?

Having a good grasp of a auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage – This gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your 1995 Suzuki Sidekick.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Comprehensive protection – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as falling objects, damage from flooding, damage from getting keyed, hail damage and theft. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability insurance – Liability coverage provides protection from damages or injuries you inflict on other people or property. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers claims such as legal defense fees, funeral expenses and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Medical expense coverage – Med pay and PIP coverage reimburse you for bills like prosthetic devices, pain medications, surgery, EMT expenses and dental work. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision coverage covers damage to your Sidekick caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sideswiping another vehicle, backing into a parked car and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

At the end of the day…

We just showed you a lot of techniques to save on 1995 Suzuki Sidekick insurance. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even find the lowest priced car insurance comes from a small local company.

As you quote insurance coverage, never reduce coverage to reduce premium. There are many occasions where an insured dropped uninsured motorist or liability limits only to regret that the savings was not a smart move. The proper strategy is to purchase plenty of coverage at the best price, not the least amount of coverage.

Insureds change insurance companies for any number of reasons including delays in paying claims, policy non-renewal, questionable increases in premium or unfair underwriting practices. Whatever your reason, finding the right car insurance provider can be pretty painless.

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