2002 Suzuki Esteem Insurance Quotes

Want the cheapest car insurance rates for your Suzuki Esteem? Are you irritated from not being able to afford to pay high car insurance rates every month? Your situation is no different than millions of other vehicle owners. There is such a variety of insurers to buy insurance from, and although it’s nice to have multiple companies, it can be more challenging to adequately compare rates.

It’s smart to check car insurance prices at least once a year because prices trend upward over time. Even if you think you had the best rate on Esteem insurance at your last renewal a different company probably has better premium rates today. There is a lot of bad information regarding car insurance online, but by reading this article, you’re going to learn some great ideas on how to find affordable car insurance.

How to shop insurance coverage online

Comparing insurance coverage rates can be challenging if you don’t understand the easiest way. You can spend countless hours talking to local insurance agents in your area, or you can utilize the internet to achieve your goal.

Most car insurance companies belong to an insurance system where insurance shoppers send in one quote, and at least one company then returns a price quote based on the submitted data. This prevents consumers from doing quote requests for each company.

To enter your information into the quoting system, click here to start a free quote.

The one disadvantage to using this type of system is you cannot specify which companies you will receive quotes from. So if you prefer to pick specific providers to compare rates, we have a page of low cost insurance coverage companies in your area. Click here to view list.

Take whichever approach you prefer, but be sure to compare identical quote information on every quote you get. If you compare different data it will be next to impossible to determine the lowest rate for your Suzuki Esteem.

Which policy gives me the best coverage?

When choosing the right insurance coverage for your vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions can help discover whether your personal situation may require specific advice.

Can my teen drive my company car?
What is roadside assistance coverage?
Does insurance cover damages from a DUI accident?
What exactly is covered by my policy?
When should my teen driver be added to my policy?
Am I getting all the discounts available?
If my pet gets injured in an accident are they covered?
What if I total my 2002 Suzuki Esteem and owe more than it’s worth?
Does my insurance cover my expensive audio equipment?
Are rental cars covered under my policy?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Detailed coverages of your insurance policy

Having a good grasp of insurance aids in choosing the right coverages for your vehicles. Insurance terms can be confusing and coverage can change by endorsement. These are the usual coverages offered by insurance companies.

Liability car insurance

This can cover damage or injury you incur to other people or property in an accident. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims such as structural damage, loss of income and medical expenses. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your Suzuki Esteem.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto collision coverage

Collision coverage covers damage to your Esteem resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like damaging your car on a curb, colliding with another moving vehicle, backing into a parked car and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for 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 coverage protects against claims such as rock chips in glass, damage from a tornado or hurricane, damage from getting keyed, a broken windshield and hitting a deer. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Med pay and PIP coverage provide coverage for immediate expenses like pain medications, ambulance fees and hospital visits. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay