Cheap 1995 Suzuki Sidekick Insurance Quotes

Finding better insurance prices for your Suzuki Sidekick can be a lot of work, but you can use these tips and make it easy.

There is a better way to shop for insurance and we’ll show you the quickest way to get price quotes for a Suzuki and find the cheapest rates from local insurance agents and online providers.

The best way to compare car insurance rates is to know the trick most of the bigger providers allow for online access to give free rates quotes. The one thing you need to do is give the companies some data like level of coverage desired, your general credit rating, any included safety features, and if you lease or own. Your information is then submitted to many different companies and they return quotes immediately.

To check rates for your 1995 Suzuki Sidekick now, click here and enter your zip code.

Do you qualify for discounts?

Car insurance can cost a lot, but you might be missing out on some discounts that many people don’t even know exist. Some discounts apply automatically when you quote, but some must be asked about before you will receive the discount.

• Own a Home and Save – Owning a house can earn you a little savings since owning and maintaining a home demonstrates responsibility.
• Driver Safety – Taking time to complete a defensive driving course can save you 5% or more and easily recoup the cost of the course.
• Professional Organizations – Being a member of specific professional or occupational memberships or organizations is a good way to get lower rates on your policy.
• Fewer Miles Equal More Savings – Fewer annual miles on your Suzuki could be rewarded with better premium rates on cars that stay parked.
• Passive Restraint Discount – Cars that have air bags or automatic seat belts could see savings as much as 30%.
• ABS and Traction Control Discounts – Vehicles that have steering control and anti-lock brakes are much safer to drive so companies give up to a 10% discount.
• Pay Early and Save – By paying your entire bill at once instead of paying each month you can avoid the installment charge.
• College Student – Children who are enrolled in higher education away from home and do not have a car may qualify for this discount.
• Include Life Insurance and Save – If the company offers life insurance, you could get a break if you buy life insurance.

A little disclaimer on discounts, some credits don’t apply to your bottom line cost. Most only apply to individual premiums such as collision or personal injury protection. Even though it appears all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

If you would like to view auto insurance companies that offer the discounts shown above, click here to view.

Don’t assume everyone needs the same insurance coverage

When buying the best insurance coverage for your personal vehicles, there really is not a one size fits all plan. Each situation is unique.

For example, these questions can help discover whether your personal situation could use an agent’s help.

• Can I make deliveries for my home business?
• Should I get collision insurance on every vehicle?
• Is pleasure use cheaper than using my 1995 Suzuki Sidekick to commute?
• Can my teen drive my company car?
• Can my babysitter drive my car?
• Why am I required to buy liability insurance?
• Should I have a commercial auto policy?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form. It’s fast, free and can help protect your family.

What insurance coverages do you need?

Knowing the specifics of your insurance policy aids in choosing the right coverages for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as ambulance fees, dental work and hospital visits. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

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

Comprehensive coverage pays for things like damage from a tornado or hurricane, damage from flooding, damage from getting keyed and hitting a bird. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage

Collision coverage pays for damage to your Sidekick resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like driving through your garage door, hitting a mailbox, hitting a parking meter, rolling your car and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto liability

This protects you from damage that occurs to people or other property. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things such as bail bonds, loss of income, court costs and legal defense fees. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.