Compare 1998 Suzuki Sidekick Car Insurance Rates

Finding the lowest cost insurance on the web may seem to be somewhat difficult for vehicle owners who are new to comparing and buying insurance over the internet. With literally dozens of insurers available, how are vehicle owners expected to efficiently compare every possible option in order to find the lowest price available?

Cheap insurance quotes with discounts

Companies don’t list every disount available in a way that’s easy to find, so the list below contains some of the best known in addition to some of the lesser obvious credits that you can use to lower your rates.

  • Accident Free – Claim-free drivers pay much less in comparison with drivers who are more careless.
  • Telematics Data Discounts – Drivers that enable companies to analyze driving manner by installing a telematics device like Allstate’s Drivewise could possibly reduce rates if their driving habits are good.
  • Service Members Pay Less – Having an actively deployed family member can result in better prices.
  • Employee of Federal Government – Employees or retirees of the government can save as much as 8% for Sidekick coverage with select insurance companies.
  • Online Discount – Some of the larger companies may give you up to $50 for completing your application on the internet.
  • Professional Organizations – Being a member of a professional or civic organization is a simple method to lower premiums on your policy.
  • Student Discounts – A discount for being a good student can get you a discount of up to 25%. The discount lasts until age 25.

Drivers should understand that some of the credits will not apply to the entire cost. Most only apply to individual premiums such as comp or med pay. If you do the math and it seems like adding up those discounts means a free policy, it just doesn’t work that way.

Popular insurance companies and some of their more popular discounts are detailed below.

  • State Farm includes discounts for anti-theft, defensive driving training, multiple autos, Drive Safe & Save, student away at school, safe vehicle, and good driver.
  • Progressive policyholders can earn discounts including online quote discount, homeowner, online signing, good student, continuous coverage, multi-vehicle, and multi-policy.
  • Travelers has savings for multi-policy, driver training, save driver, IntelliDrive, student away at school, early quote, and new car.
  • American Family has discounts for mySafetyValet, Steer into Savings, good student, TimeAway discount, good driver, and defensive driver.
  • Liberty Mutual offers discounts for newly retired, preferred payment discount, safety features, multi-car, new graduate, and multi-policy.

Before buying, ask every prospective company which discounts can lower your rates. Some of the earlier mentioned discounts may not apply in your area. If you would like to view insurance companies with discount insurance rates, click this link.

How insurance providers calculate Suzuki Sidekick insurance prices

A large part of saving on car insurance is knowing a few of the rating criteria that come into play when calculating the level of your policy premiums. When consumers understand what positively or negatively impacts your premiums, this enables you to make decisions that may reward you with lower premium levels. Many factors are part of the calculation when quoting car insurance. A few of the factors are predictable such as your driving history, although some other factors are less apparent such as your marital status or how safe your car is.

  • Don’t buy add-on coverages that aren’t used – Policies have additional extra coverages that may not really be needed when buying car insurance. Coverages like vanishing deductibles, better glass coverage, and extra equipment coverage could be just wasting money. They may seem good when discussing your needs, but if you’ve never needed them in the past consider taking them off your policy.
  • How much liability insurance – Your policy’s liability coverage will provide protection in the event that you are determined to be liable for an accident. This coverage provides you with a defense in court which can cost a lot. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
  • You may save more by combining policies – Some insurers provide a discount to policyholders who consolidate policies with them. It’s known as a multi-policy discount. Even if you already get this discount, you still need to compare other company rates to help ensure you have the lowest rates. You may still be able to find better rates even if you have your coverage with different companies
  • Save by driving safer vehicles – Vehicles that have high safety ratings tend to be cheaper to insure. Vehicles engineered for safety result in less severe injuries and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders. If your Suzuki Sidekick scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
  • When should you not file a car insurance claims? – Car insurance companies provide most affordable rates to policyholders who only file infrequent claims. If you’re an insured who likes to file claims you can definitely plan on either a policy non-renewal or much higher rates. Your car insurance is meant to be used in the event of major claims that would cause financial hardship.

Tailor your insurance coverage coverage to you

When buying coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions may help you determine if your situation might need an agent’s assistance.

  • Are split liability limits better than a combined single limit?
  • Does my 1998 Suzuki Sidekick need full coverage?
  • Does my personal policy cover me when driving out-of-state?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Can I rent a car in Mexico?
  • Am I covered when driving in Canada or Mexico?
  • What if I don’t agree with a claim settlement offer?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form.

Insurance coverage considerations

Understanding the coverages of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Liability – This provides protection from injuries or damage you cause to people or other property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as court costs, repair costs for stationary objects, emergency aid and structural damage. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverages – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like falling objects, fire damage and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like hospital visits, X-ray expenses and EMT expenses. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverages – Collision coverage covers damage to your Sidekick 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 can pay for things like crashing into a ditch, sustaining damage from a pot hole, hitting a mailbox, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage – Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and damage to your Suzuki Sidekick.

Because many people 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 is a good idea.

Buy Smart and Save

Insureds change insurance companies for many reasons like questionable increases in premium, high prices, extreme rates for teen drivers and unfair underwriting practices. It doesn’t matter what your reason, switching auto insurance companies is pretty easy and you might even save some money in the process.

As you prepare to switch companies, do not reduce coverage to reduce premium. In many instances, consumers will sacrifice liability coverage limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase a proper amount of coverage at a price you can afford, but don’t skip important coverages to save money.

We’ve covered many ideas to lower your 1998 Suzuki Sidekick insurance car insurance rates. The most important thing to understand is the more quotes you get, the better your comparison will be. Drivers may discover the best car insurance rates are with some of the lesser-known companies.

Other resources