How Much Does 1994 Isuzu Amigo Car Insurance Cost?

Looking for lower insurance coverage rates for your Isuzu Amigo? Feel like you have an expensive insurance coverage policy? Don’t sweat it because there are many consumers feeling the pinch from expensive insurance coverage. Companies like State Farm, Farmers Insurance, Geico and Allstate all claim big savings with catchy ads and it can be hard to separate fact from fiction and take the time to shop coverage around.

The quickest method to compare insurance rates from multiple companies is to know auto insurance companies participate in online systems to compare rate quotes. The only thing you need to do is provide a small amount of information such as distance driven, how much coverage you want, if you have a valid license, and your education level. That rating information is sent automatically to many highly-rated insurers and you will get price comparisons quickly.

Auto insurance policy discounts you can’t miss

Car insurance can cost a lot, but you can get discounts to help bring down the price. Certain discounts will be applied when you quote, but once in a while a discount must be manually applied before being credited. If you are not receiving all the discounts you qualify for, you are just wasting money.

• Payment Discounts – If paying your policy premium upfront instead of paying each month you can avoid monthly service charges.
• Telematics Discount – Drivers who elect to allow companies to monitor their driving habits by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if their driving habits are good.
• Savings for New Vehicles – Insuring a vehicle that is new can save up to 30% because newer vehicles are generally safer.
• Government Employee Discount – Having worked for a branch of the government can save as much as 8% for Amigo coverage but check with your company.
• Professional Memberships – Being a member of qualifying employment or professional organizations is a good way to get lower rates on your next auto insurance statement.
• Senior Citizen Discount – Older drivers are able to get reduced rates for Amigo coverage.
• Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save 10% or more on the medical payments or PIP coverage costs.

Just know that most discounts do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like medical payments or collision. Just because you may think all those discounts means the company will pay you, insurance companies wouldn’t stay in business. But all discounts will cut your overall premium however.

Some of the larger companies that may offer policyholders some of the discounts shown above include:

• Progressive
• SAFECO
• American Family
• MetLife
• Geico
• The Hartford

Before purchasing a policy, check with each company or agent which discounts can lower your rates. Savings may not apply to policyholders in every state. To see companies who offer free auto insurance quotes, click here.

Insurance agents can help

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique so your insurance should reflect that For example, these questions might help in determining whether you would benefit from professional advice.

• Can my babysitter drive my car?
• How do I buy GAP insurance?
• Do I need motorclub coverage?
• Does liability extend to a camper or trailer?
• How many claims can I have before being cancelled?
• Do I have any recourse if my insurance company denies a claim?

If you’re not sure about those questions then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverage considerations

Understanding the coverages of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are typical coverages offered by auto insurance companies.

Collision coverages – Collision coverage pays for damage to your Amigo resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like crashing into a ditch, rolling your car and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for surgery, prosthetic devices, pain medications, funeral costs and doctor visits. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Uninsured and underinsured coverage – Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability coverages – Liability insurance protects you from damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims like legal defense fees, funeral expenses and medical services. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive coverages – This covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, rock chips in glass and hail damage. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.