Cheap 1999 Suzuki Esteem Insurance Quotes

Looking for better auto insurance rates for your Suzuki Esteem? Being forced to pay for expensive auto insurance premiums can overdraw your checking account and maybe even restrict other spending. Comparison shopping is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Companies like Allstate, Liberty Mutual and State Farm constantly bombard you with advertising and it is challenging if not impossible to ignore the flashy ads and take the time to shop coverage around.

It’s a good habit to do price comparisons at least once a year since prices are constantly changing. Just because you found the lowest price on Esteem coverage a couple years back you can probably find a lower rate today. Ignore everything you know about auto insurance because you’re going to get a crash course in the only way to reduce your cost while increasing coverage.

If you currently have car insurance, you will most likely be able to cut costs considerably using these techniques. Choosing the best insurance company for you is easy if you know what you’re doing. But vehicle owners can benefit by having an understanding of the way companies market on the web and take advantage of how the system works.

How to compare car insurance price quotes

There are a lot of ways to compare car insurance quotes, but one way is less time-consuming than others. You can spend countless hours driving to insurance agencies in your area, or you can utilize online quoting to achieve your goal.

Many companies are enrolled in a marketplace where prospective buyers send in one quote, and each company then gives them pricing determined by their information. This system prevents you from having to do form submissions for each company.

To use this form to compare rates click here (opens in new window).

One minor caviat to comparing rates this way is you cannot specify the companies to get quotes from. So if you prefer to choose individual companies for rate comparison, we put together a list of low cost car insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, make sure you compare equivalent coverage limits and deductibles on every price quote you get. If each company quotes different coverage information you can’t possibly make an equal comparison. Quoting even small variations in limits could throw off the whole comparison. And when comparison shopping, comparing more quotes increases your odds of finding better pricing.

Lower-cost auto insurance rates with discounts

Buying auto insurance is not cheap, but you might be missing out on some discounts that can dramatically reduce your bill. Some trigger automatically when you get a quote, but some need to be specially asked for before you will receive the discount. If you aren’t receiving every discount you qualify for, you may be paying too high a price.

  • Drivers Education – Require your teen driver to take driver’s ed class if it’s offered in school.
  • Cautious Driver Discounts – Accident-free drivers can save up to 40% or more on their car insurance quote on Esteem coverage than their less cautious counterparts.
  • Discounts for Multiple Vehicles – Buying insurance for multiple cars or trucks on a single policy qualifies for this discount.
  • Active Military Service – Having a family member in the military can result in better prices.
  • No Claim Discounts – Insureds who avoid accidents and claims pay less as opposed to accident-prone drivers.
  • Discount for Home Ownership – Owning a house can help you save on auto insurance because owning a home requires a higher level of personal finance.
  • Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of 25 to 30%.
  • Onboard Data Collection – Drivers who agree to allow their company to look at vehicle usage through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate may see discounts as long as the data is positive.
  • Distant Student – Children who attend college more than 100 miles from home and won’t have access to an insured vehicle can be insured at a reduced rate.

Keep in mind that some credits don’t apply the the whole policy. Some only reduce specific coverage prices like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, auto insurance companies aren’t that generous.

Auto insurance companies that possibly offer some of the above discounts are:

When getting a coverage quote, ask each company or agent what discounts are available to you. Some discounts listed above might not be offered on policies everywhere. To find providers who offer free auto insurance quotes, click here.

Tailor your auto insurance coverage to you

When choosing adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions can aid in determining if your insurance needs will benefit from professional help.

  • What if I owe more than I can insure my car for?
  • Is my teenager covered with friends in the car?
  • Do I need special endorsements for business use of my vehicle?
  • Should I put collision coverage on all my vehicles?
  • How much liability do I need to cover my assets?
  • Is my trailer covered?
  • Does coverage extend to Mexico or Canada?
  • Am I getting all the discounts available?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Auto insurance coverage information

Having a good grasp of your policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most car insurance policies.

Medical expense insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like doctor visits, prosthetic devices, surgery and nursing services. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Coverage for liability

This can cover damage or injury you incur to people or other property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as medical services, loss of income and attorney fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Auto collision coverage

This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as rolling your car, damaging your car on a curb, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

This gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hitting a deer, theft, damage from a tornado or hurricane and hitting a bird. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Be a penny pincher

Throughout this article, we presented a lot of tips how to shop for 1999 Suzuki Esteem insurance online. The key thing to remember is the more quotes you get, the better your comparison will be. Consumers may even find the lowest priced auto insurance comes from some of the lesser-known companies. They often have lower car insurance rates on specific markets as compared to the big name companies such as Progressive or GEICO.

Lower-priced 1999 Suzuki Esteem insurance can be purchased from both online companies as well as from insurance agents, so you need to quote car insurance with both in order to have the best chance of saving money. There are still a few companies who may not offer online quoting and many times these regional insurance providers sell through independent agents.

To read more, take a look at the following helpful articles: