How Much Does 1998 Isuzu Oasis Insurance Cost?

Searching for better insurance rates for your Isuzu Oasis? Buying lower priced insurance can seem to be somewhat difficult for people new to quoting and comparing rates and buying insurance online. Because there are so many online companies available, how can drivers have the ability to compare every company in order to find the best price?

You need to do rate comparisons once or twice a year because insurance prices go up and down regularly. Even if you think you had the best deal for Oasis coverage a couple years back other companies may now be cheaper. Don’t believe everything you read about insurance online, but in a few minutes you can learn some good information on how to reduce your insurance bill.

Finding the cheapest coverage is simple if you know the tricks. Basically, everyone who is shopping for insurance coverage will more than likely be able to lower their premiums. Although drivers do need to understand how big insurance companies sell insurance online and use this information to your advantage.

First Step: Get free insurance quotes

Comparing insurance rates can be a lot of work if you aren’t aware of the best way to get rate quotes. You can spend countless hours discussing policy coverages with local insurance agents in your area, or you can stay home and use online quotes for quick rates.

Many of the larger companies participate in a marketplace where prospective buyers submit their information once, and each participating company can give them a price based on the submitted data. This prevents consumers from doing repetitive form submissions for each company you want a rate for.

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

The only downside to comparing rates this way is you don’t know exactly the insurers you want to price. If you prefer to choose specific providers to request quotes from, we have a page of insurance companies in your area. Click here for list of insurance companies.

The approach you take is up to you, just make darn sure you compare nearly identical information on every price quote you get. If you use unequal deductibles or liability limits it will be nearly impossible to get a fair rate comparison. Just slight variations in coverage limits can mean a large discrepancy in price. It’s important to know that comparing a wide range of rates will improve the odds of getting the best price.

Are insurance companies telling the truth?

Big name companies like Allstate, GEICO and Progressive continually stream ads in print and on television. They all tend to make the same promise of big savings if you get a free auto insurance quote and switch your insurance policy to them. How does every insurance company save you money? Here is the trick they use.

Different companies quote their cheapest rates for the type of customer that will most likely be profitable. One example of this type of risk profile might be described as between the ages of 30 and 45, has had continuous coverage, and does not commute to work. A customer getting a price quote who fits those characteristics will probably get cheap prices and will also save quite a bit of money when switching.

Consumers who do not meet this ideal profile may receive higher rates which translates to the prospect going elsewhere. The ads say “drivers that switch” not “everyone that quotes” save that kind of money. This is how insurance companies can state the savings.

Each company has different criteria, so drivers should get auto insurance quotes as often as possible. It’s not possible to predict which insurance companies will fit you best based on your risk profile.

Insurance coverage rates and discounts

Car insurance companies don’t always publicize every disount available in an easy-to-find place, so below is a list a few of the more common in addition to some of the lesser obvious insurance coverage savings.

  • Government Employees – Employees or retirees of the government could cut as much as 10% off for Oasis coverage with select insurance companies.
  • Good Grades Discount – This discount can get you a discount of up to 25%. Most companies allow this discount up to age 25.
  • Multi-car Discount – Drivers who insure more than one vehicle on a single policy may reduce the rate for each vehicle.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Isuzu can earn lower premium rates due to less chance of an accident.
  • Theft Deterent Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems prevent vehicle theft so companies will give you a small discount.
  • Policy Bundle Discount – When you have multiple policies and insure them both with the same insurance company you may earn up to 20% and get you cheaper auto insurance.
  • Onboard Data Collection – Insureds who allow data collection to scrutinize vehicle usage by using a telematics device in their vehicle such as Progressive’s Snapshot could possibly reduce rates as long as the data is positive.
  • ABS and Traction Control Discounts – Cars and trucks with ABS and/or traction control are much safer to drive so you can save 10 percent or more.
  • Save over 55 – Drivers that qualify as senior citizens may be able to get better insurance coverage rates for Oasis coverage.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to all coverage premiums. Most only cut the cost of specific coverages such as collision or personal injury protection. Just because you may think you could get a free insurance coverage policy, nobody gets a free ride.

Popular insurance coverage companies and some of the premium reductions they offer include:

  • State Farm has savings for accident-free, driver’s education, anti-theft, good student, passive restraint, and good driver.
  • GEICO may offer discounts for daytime running lights, anti-theft, emergency military deployment, federal employee, military active duty, good student, and seat belt use.
  • Allstate offers discounts for passive restraint, EZ pay plan discount, 55 and retired, utility vehicle, teenSMART discount, and economy car.
  • SAFECO may include discounts for bundle discounts, anti-lock brakes, drive less, anti-theft, and teen safety rewards.
  • Farm Bureau has discounts for youthful driver, renewal discount, safe driver, driver training, and multi-policy.
  • Progressive may have discounts that include online quote discount, continuous coverage, online signing, multi-vehicle, good student, multi-policy, and homeowner.
  • AAA policyholders can earn discounts including multi-policy, anti-theft, good student, multi-car, and education and occupation.

If you are trying to find affordable auto insurance quotes, ask every prospective company which credits you are entitled to. All car insurance discounts may not apply in your area.

Situations that may require an agent’s advice

When it comes to choosing the best car insurance coverage, there is no single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining if you might need professional guidance.

  • Who is covered by my policy?
  • Can I drive in Mexico and have coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • What is high-risk coverage and where do I buy it?
  • Can I afford to buy a different vehicle if my 1998 Isuzu Oasis is totaled?
  • Is a new car covered when I drive it off the dealer lot?
  • Are my friends covered when driving my car?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance coverage basics

Understanding the coverages of your auto insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement.

Coverage for liability – Liability insurance protects you from damage that occurs to a person or their property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Another option is one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims like court costs, emergency aid, repair bills for other people’s vehicles, bail bonds and structural damage. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Collision – This pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as driving through your garage door, sustaining damage from a pot hole, crashing into a building and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for expenses for things like X-ray expenses, rehabilitation expenses, prosthetic devices and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, theft and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Protection from uninsured/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. This coverage pays for medical payments for you and your occupants and damage to your Isuzu Oasis.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Frequently these coverages are set the same as your liablity limits.

Stretch your dollar

Drivers change insurance companies for many reasons like high prices, extreme rates for teen drivers, denial of a claim and even not issuing a premium refund. Regardless of your reason for switching companies, switching companies is pretty simple and you could end up saving a buck or two.

Cost effective 1998 Isuzu Oasis insurance is definitely available on the web as well as from insurance agents, and you should compare rates from both to have the best selection. A few companies do not provide online quoting and most of the time these smaller providers sell through independent agencies.

In this article, we covered quite a bit of information on how to reduce 1998 Isuzu Oasis insurance car insurance rates online. It’s most important to understand that the more rate quotes you have, the better likelihood of getting cheaper auto insurance. You may be surprised to find that the best car insurance rates are with some of the smallest insurance companies.

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