2000 Isuzu VehiCROSS Insurance Cost – 9 Ways to Save

Trying to find the cheapest insurance coverage rates for your Isuzu VehiCROSS? Finding more affordable rates on insurance coverage could be slightly frustrating for drivers not familiar with comparison shopping online. With dozens of insurers to choose from, it can easily become a big hassle to find cheaper insurance coverage rates.

How to get the cheapest car insurance

There are multiple methods to shop for car insurance, but there is one way that is easier and takes less work. You could spend your day driving to agents in your area, or you can stay home and use online quotes to quickly compare rates.

Many popular insurance companies participate in a marketplace where insurance shoppers enter their coverage request one time, and every company then returns a price quote based on that data. This prevents consumers from doing quotation requests for each company. To compare rates using this form now click here to start a free quote.

One minor caviat to doing it this way is you can’t choose the insurers to get pricing from. If you wish to select specific insurance companies to compare, we have a page of low cost car insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but double check that you are using nearly identical deductibles and coverage limits for each price quote. If the quotes have different limits and deductibles on each one it will be impossible to determine which company has the best rates. Just slight variations in insurance coverages may result in large price differences. Just keep in mind that comparing more rates from different companies gives you a better chance of getting a better price.

Tailor your auto insurance coverage to you

When choosing adequate coverage for your vehicles, there really is no “perfect” insurance plan. Every situation is different.

These are some specific questions may help highlight whether your personal situation might need professional guidance.

  • Do all my vehicles need collision coverage?
  • What is no-fault insurance?
  • What is the minimum liability in my state?
  • Is there coverage for injuries to my pets?
  • Are rental cars covered under my policy?
  • Is my cargo covered for damage or theft?
  • When can I cancel my policy?
  • Am I covered if I hit my neighbor’s mailbox?
  • Should I rate my 2000 Isuzu VehiCROSS as pleasure use or commute?
  • Should I buy full coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form.

Auto insurance coverage information

Understanding the coverages of insurance helps when choosing 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.

Liability auto insurance – This will cover damage or injury you incur to other people or property in an accident. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as pain and suffering, medical expenses, medical services, attorney fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Isuzu VehiCROSS.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like chiropractic care, pain medications, hospital visits and prosthetic devices. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Collision coverage – Collision coverage covers damage to your VehiCROSS caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as hitting a parking meter, colliding with a tree, crashing into a building and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Comprehensive insurance – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from flooding, theft, hitting a bird, rock chips in glass and falling objects. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.