How Much Does 1997 Suzuki Sidekick Car Insurance Cost?

Buyers have lots of choices when searching for affordable Suzuki Sidekick insurance. They can either waste time contacting agents trying to get quotes or save time using the internet to make rate comparisons.

There is a right way and a wrong way to compare insurance rates so we’re going to tell you the quickest way to compare rates for a new or used Suzuki and locate the best price possible.

It’s important to price shop coverage every six months because rates change frequently. Despite the fact that you may have had the best deal on Sidekick insurance six months ago the chances are good that you can find a lower price today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the proper way to get good coverage at a lower rate.

Suzuki Sidekick insurance premium factors

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the things that help determine your policy premiums. When consumers understand what influences your rates, this empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

The list below includes some of the items used by insurance companies to determine premiums.

  • Your employer is a factor – Jobs such as real estate brokers, business owners and emergency personnel have higher rates than average in part from stressful work requirements and long work hours. Other occupations such as professors, athletes and retirees get better rates on Sidekick insurance.
  • Good drivers pay less – Attentive drivers tend to pay less for car insurance than people who have multiple driving citations. Getting just one speeding ticket may increase your cost by as much as twenty percent. Drivers who have received multiple tickets such as reckless driving or DUI may face state-mandated requirements to file a SR-22 with their state DMV in order to legally drive a vehicle.
  • Coverage lapses lead to higher premiums – Allowing your coverage to lapse is a quick way to trigger a rate increase. And not only will your rates increase, being ticketed for driving with no insurance will get you fines or a revoked license.
  • Small coverages can add up – Policies have additional coverages that can add up on your 1997 Sidekick policy. Coverages like coverage for rental cars, high-cost glass coverage, and extra life insurance coverage could be just wasting money. You may think they are a good idea initially, but now you might not need them so eliminate them to save money.
  • Annual miles is a factor – Driving a lot of miles every year the higher your rate. Most companies charge rates based upon how you use the vehicle. Vehicles that are left in the garage receive better premium rates than vehicles that are driven to work every day. It’s a good idea to make sure your auto insurance policy correctly shows annual mileage, because improper ratings can cost you money. A policy that improperly rates your Sidekick may be costing you.
  • Physical damage deductibles are a factor – The deductibles are how much you are willing to pay out-of-pocket before your auto insurance pays a claim. Protection for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of covered claims are collision with another vehicle, vandalism, and damage from wind. The higher the amount you are required to pay out-of-pocket, the lower your rates will be on Sidekick insurance.
  • Multiple policies with one company can save – Most companies afford discounts to clients who carry more than one policy. It’s known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even with this discount, it’s in your best interest to compare rates to ensure the best deal.
  • Cut prices and deter theft – Driving a car with advanced anti-theft systems can help bring down rates. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping vehicle theft.

The best way we recommend to compare car insurance rates is to know the trick all the major auto insurance companies participate in a system to give you rate quotes. To get started, all you need to do is provide details such as how much education you have, whether the vehicles are used for commuting, if the vehicle is leased, and whether you are single or married. The data is instantly sent to all major companies and you will get price comparisons within a short period of time.

To start a quote now, click here and complete the quick form.

Discount insurance rates

Insurance can cost an arm and a leg, but you may be missing some discounts that could help you make your next renewal payment. Many of these discounts will be applied automatically when you quote, but a few need to be inquired about in order for you to get them. If you don’t get every credit you deserve, you may be paying too high a price.

  • Seat Belt Usage – Drivers who require all occupants to use their safety belts could save 15% on the medical payments or PIP coverage costs.
  • Mature Driver Discount – Drivers that qualify as senior citizens may qualify for a small discount on rates on Sidekick insurance.
  • Multi-Vehicle Discounts – Buying insurance for multiple vehicles on the same insurance policy qualifies for this discount.
  • Club Memberships – Being a member of qualifying clubs or civic groups is a good way to get lower rates on your bill.
  • Homeowners Savings – Owning a house can save a few bucks because it is proof that your finances are in order.
  • Passenger Safety Discount – Vehicles with factory air bags may earn rate discounts of more than 20%.
  • Early Renewal Discounts – Some insurance companies reward drivers for buying a new policy before your current expiration date. It could save around 10% when you buy insurance coverage online.
  • Defensive Driving Course – Passing a class that teaches safe driver techniques can save you 5% or more if you qualify.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • College Student Discount – Children who attend college more than 100 miles from home and do not have a car may be able to be covered for less.

Keep in mind that most credits do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like comp or med pay. Even though it appears all the discounts add up to a free policy, it’s just not the way it works.

Some of the larger companies that may include many of the previously listed discounts possibly include:

When quoting, ask every insurance company which discounts they offer. Depending on the company, some discounts may not apply to policies in your state. To locate insurance companies with significant discounts, click here to view.

Tailor your insurance coverage coverage to you

When it comes to choosing the best insurance coverage coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions may help you determine if your situation would benefit from an agent’s advice.

  • Why am I required to buy high-risk coverage?
  • What is the rate difference between pleasure use and commuting?
  • Can my teen drive my company car?
  • Does coverage extend to Mexico or Canada?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I need special endorsements for business use of my vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and can help protect your family.

Parts of your auto insurance policy

Having a good grasp of your auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Liability coverage – Liability insurance provides protection from damage or injury you incur to a person or their property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like court costs, bail bonds, structural damage, medical expenses and pain and suffering. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for bills such as pain medications, prosthetic devices and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers – This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Suzuki Sidekick.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Collision coverage – Collision coverage covers damage to your Sidekick resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with another moving vehicle, driving through your garage door, scraping a guard rail and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hail damage, a broken windshield, a tree branch falling on your vehicle and falling objects. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Be a Smart Shopper

Budget-friendly auto insurance is definitely available from both online companies in addition to local insurance agencies, so you need to shop insurance coverage with both in order to have the best price selection to choose from. Some auto insurance companies may not offer rate quotes online and most of the time these regional carriers only sell through local independent agents.

Consumers switch companies for many reasons like lack of trust in their agent, unfair underwriting practices, poor customer service and delays in paying claims. Regardless of your reason, finding a new auto insurance company can be easier than you think.

We just presented many tips how you can lower your 1997 Suzuki Sidekick insurance premium rates. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the lowest premium rates are with the least-expected company.

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