Save on 1994 Suzuki Samurai Insurance Rates

Want lower car insurance rates for your Suzuki Samurai? Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? You’re preaching to the choir because you’re not alone.

Since consumers have many companies and agents to choose from, it can be hard to pick the cheapest company.

Insurance rates and discounts

Not many people think insurance is cheap, but you might already qualify for some discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of quoting, but some may not be applied and must be asked for before you get the savings.

• Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you may have a lower total premium amount.
• Driver Safety – Participating in a course in safe driver can save you 5% or more and easily pay for the cost of the class.
• Discount for Good Grades – Being a good student can be rewarded with saving of up to 25%. Most companies allow this discount up until you turn 25.
• Early Switch Discount – Some insurance companies provide a discount for switching to them early. This discount can save up to 10%.
• Anti-theft Discount – Cars with anti-theft systems are less likely to be stolen and can earn a small discount on your policy.

Just know that many deductions do not apply to your bottom line cost. Most only apply to the cost of specific coverages such as medical payments or collision. So when it seems like all the discounts add up to a free policy, companies don’t profit that way.

To find insurers who offer cheap insurance quotes, click this link.

How insurers determine Suzuki Samurai insurance costs

Lots of things are part of the equation when pricing auto insurance. Some factors are common sense such as your driving history, but other factors are less obvious like your continuous coverage or your commute time.

The items below are some of the most common factors used by companies to determine your rate level.

• Safer occupants lowers prices – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles reduce the chance of injuries and better occupant protection means your insurance company pays less which can result in lower premiums.
• Increase coverage deductibles to save – Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Some examples of covered claims are a dented fender, collision with an animal, and damage from a fallen tree branch. Comp and collision deductibles represent how much money you are willing to pay in the event of a claim. The more you have to pay, the less your company will charge you for insurance on Samurai insurance.
• Location can influence price – Residing in a rural area has definite advantages when shopping for auto insurance. Drivers in populated areas have to deal with congested traffic and higher rates of accident claims. Less people living in that area translates into fewer accidents in addition to fewer liability claims.
• Never have coverage lapses – Driving your car without having proper coverage is illegal and auto insurance companies will penalize you for letting your insurance lapse. In addition to paying higher rates, getting caught without coverage may earn you fines or a revoked license.
• Youthful drivers pay high costs – Older people are viewed as being more responsible, file fewer claims .Beginning drivers are known to be easily distracted when driving with friends therefore auto insurance rates are much higher.
• Certain jobs pay higher rates – Jobs such as lawyers, architects and medical professionals generally pay higher premium rates because of job stress and long work days. On the flip side, careers like actors, historians and retirees have lower than average premiums on Samurai insurance.

Situations that may require an agent’s advice

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. For example, these questions can help discover if your situation would benefit from professional advice.

• Can I rent a car in Mexico?
• Why am I required to buy liability insurance?
• Should I have a commercial auto policy?
• What if I owe more than I can insure my car for?
• Do I have coverage when pulling a U-Haul trailer?
• Does my insurance cover damage caused when ticketed for reckless driving?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Detailed coverages of your auto insurance policy

Having a good grasp of your policy can be of help when determining the best coverages for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by auto insurance companies.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like ambulance fees, pain medications, dental work and funeral costs. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance – Liability insurance provides protection from damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as attorney fees, emergency aid and medical services. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

UM/UIM Coverage – This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your Suzuki Samurai.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, vandalism, hail damage and damage from getting keyed. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverages – This covers damage to your Samurai resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a ditch, scraping a guard rail, crashing into a building and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Never pay more for less

Cheap 1994 Suzuki Samurai insurance is definitely available from both online companies as well as from insurance agents, so you need to quote insurance with both in order to have the best price selection to choose from. Some insurance providers may not have online price quotes and many times these small insurance companies work with local independent agencies.

Throughout this article, we presented a lot of ways to compare 1994 Suzuki Samurai insurance premium rates online. The key thing to remember is the more price quotes you have, the better likelihood of getting the cheapest insurance. You may be surprised to find that the best premium rates are with a company that doesn’t do a lot of advertising. These companies may cover specific market segments cheaper than their larger competitors like Geico and State Farm.

For more information, take a look at the resources below:

• Auto Theft Statistics (Insurance Information Insitute)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)