Cheaper 2006 Isuzu i-Series Insurance Rates

Want cheaper auto insurance rates for your Isuzu i-Series? No one looks forward to paying premiums for auto insurance, especially when the price is too high.

Big companies like Allstate and Progressive increase brand awareness with advertising and it is difficult to ignore the propoganda and find the best price available.

You should make it a habit to compare prices before your next renewal due to the fact that insurance rates are usually higher with each renewal. Just because you had the lowest premium rates for i-Series insurance a year ago you will most likely find a better price today. Block out anything you think you know about auto insurance because you’re about to learn the best methods to lower your annual insurance bill.

If you currently have a car insurance policy, you should be able to reduce your rates substantially using these methods. Finding affordable coverage is not rocket science. But vehicle owners need to learn how insurance companies determine prices and take advantage of how the system works.

How to get insurance coverage price quotes

There are multiple methods you can shop for insurance coverage but some are easier and takes less work. You could waste time discussing policy coverages with insurance agencies in your area, or you could save time and use the internet to maximize your effort.

Most car insurance companies are enrolled in a marketplace where prospective buyers complete one form, and each company can provide price quotes based on the submitted data. This prevents consumers from doing repetitive form submissions for each company.

To get comparison pricing now click here (opens in new window).

The only drawback to comparing rates this way is you cannot specify which carriers to get pricing from. If you would rather choose from a list of companies to request quotes from, we have a listing of insurance coverage companies in your area. Click to view list.

You can use whichever method you prefer to find lower rates, just compare exactly the same coverage information with each company. If each company quotes different liability limits it’s impossible to make a fair comparison for your Isuzu i-Series. Even a minor difference in insurance coverages may cause a big price difference. And when comparison shopping, making a lot of price comparisons helps increase your odds of locating a better price. Some regional insurers cannot provide online quotes, so it’s important to compare price estimates from the smaller companies as well.

Educated choices result in lower insurance prices

Many different elements are taken into consideration when you get your auto insurance bill. Some factors are common sense such as traffic violations, but other criteria are less obvious such as your credit history or your commute time.

The itemized list below are some of the things used by your company to calculate premiums.

  • Driving citations are costly – Good drivers tend to pay less for car insurance compared to drivers with tickets. Just one driving citation can increase rates by twenty percent. Drivers who have flagrant citations such as hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with their state DMV in order to legally drive a vehicle.
  • Cheaper rates using alarms and GPS tracking – Owning a car that has a built-in theft deterrent system can save you a little every year. Theft deterrent systems like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent car theft.
  • Gender as a rate factor – Over the last 30 years, statistics show women are more cautious behind the wheel. The data does not necessarily mean that women are better drivers. Females and males tend to get into auto accidents at about the same rate, but the men have accidents that have higher claims. They also receive more major tickets such as reckless driving.
  • Insurance policy lapses lead to higher insurance rates – Driving without insurance is a big no-no and insurance companies will penalize you for letting your coverage lapse. And not only will your rates increase, not being able to provide proof of insurance could earn you a steep fine or even jail time. You could then be forced to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Rental and towing coverage may not be needed – There are many extra coverages that you can get tricked into buying if you aren’t diligent. Things like rental car coverage, high-cost glass coverage, and extra life insurance coverage may not be needed and are just wasting money. These coverages may sound good when you first buy your policy, but if you have no use for them get rid of them and save.
  • Cheaper premiums with safer cars – Vehicles with high crash test scores cost less to insure. Highly rated vehicles protect occupants better and any reduction in injury severity means your insurance company pays less and lower rates for you.
  • Liability insurance is critical – Your policy’s liability coverage will afford coverage when you are determined to be liable for an accident. Your liability coverage provides you with a defense in court which can cost a lot. This coverage is very inexpensive when compared to the cost of physical damage coverage, so buy as much as you can afford.
  • High deductibles reduce rates – Comprehensive and collision coverage deductibles tell how much you are willing to pay out-of-pocket if a covered claim is submitted. Physical damage protection, also known as collision and other-than-collision, protects your car from damage. Some examples of covered claims would be a windshield broken by a bird, damage caused by hail, or theft of your vehicle. The more you’re willing to pay, the lower your rates will be for i-Series insurance.

Are you receiving every discount?

Car insurance can be pricey, but you may find discounts that can drop the cost substantially. Many discounts should be triggered at the time you complete a quote, but some need to be inquired about before you get the savings.

  • Government Employees – Simply working for the federal government can earn a discount up to 10% for i-Series insurance with certain companies.
  • Multiple Policy Discount – If you can combine your homeowners and auto policy with the same insurance company you may earn approximately 10% to 15%.
  • Military Deployment Discount – Having a deployed family member can result in better car insurance rates.
  • Auto/Life Discount – Larger companies have lower prices if you buy life insurance from them.
  • College Student Discount – College-age children who are attending college and do not take a car to college can receive lower rates.
  • Defensive Driver Discount – Taking part in a course in driver safety could earn you a small percentage discount if you qualify.
  • Own a Home – Owning a home can help you save on car insurance due to the fact that maintaining a home means you have a higher level of financial diligence.
  • Discount for Passive Restraints – Factory options such as air bags or automatic seat belts can get savings of 25 to 30%.
  • Multiple Vehicles – Insuring more than one vehicle with the same car insurance company qualifies for this discount.
  • Early Signing – Select car insurance companies give a discount for renewing your policy early. This can save 10% or more.

A quick disclaimer, some credits don’t apply the the whole policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. Even though the math looks like you could get a free car insurance policy, company stockholders wouldn’t be very happy.

Larger car insurance companies and a summarized list of policyholder discounts are included below.

  • Travelers may include discounts for multi-policy, multi-car, payment discounts, good student, IntelliDrive, driver training, and save driver.
  • 21st Century has savings for good student, teen driver, early bird, homeowners, and defensive driver.
  • State Farm offers premium reductions for passive restraint, student away at school, good student, defensive driving training, and Drive Safe & Save.
  • GEICO policyholders can earn discounts including driver training, emergency military deployment, five-year accident-free, anti-theft, membership and employees, and multi-vehicle.
  • SAFECO has discounts for multi-car, bundle discounts, teen safety rewards, accident prevention training, and anti-lock brakes.
  • AAA discounts include pay-in-full, anti-theft, education and occupation, good student, AAA membership discount, multi-car, and good driver.

It’s a good idea to ask each insurance company to apply every possible discount. Some discounts might not be available to policyholders in every state.

When in doubt talk to an agent

When it comes to choosing the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining if you would benefit from an agent’s advice.

  • Can I rate high risk drivers on liability-only vehicles?
  • How do I file an SR-22 for a DUI in my state?
  • Is upholstery damage covered by car insurance?
  • Should I bundle my homeowners policy with my auto?
  • Is my state a no-fault state?
  • I have health insurance so do I need medical payments coverage?
  • Will filing a claim cost me more?
  • Where can I find high-risk insurance?

If you don’t know the answers to these questions, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area.

Car insurance coverage breakdown

Knowing the specifics of your car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are the normal coverages found on most car insurance policies.

Auto collision coverage

This will pay to fix damage to your i-Series resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like driving through your garage door, colliding with a tree and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive or Other Than Collision

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, damage from flooding and a broken windshield. The maximum payout 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.

Medical costs insurance

Med pay and PIP coverage pay for expenses like surgery, dental work, doctor visits, X-ray expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Liability car insurance

This coverage can cover damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for things such as repair bills for other people’s vehicles, court costs, repair costs for stationary objects, structural damage and emergency aid. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Final considerations

Cheaper 2006 Isuzu i-Series insurance can be purchased both online and also from your neighborhood agents, and you need to price shop both to have the best selection. Some car insurance companies may not have price quotes online and these small insurance companies provide coverage only through local independent agencies.

As you restructure your insurance plan, it’s not a good idea to skimp on critical coverages to save a buck or two. Too many times, an insured cut comprehensive coverage or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at the best cost, but don’t skip important coverages to save money.

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