1995 Suzuki Sidekick Insurance Quotes

If online auto insurance comparisons are new to you, chances are good that you are baffled by the sheer number of companies competing for your business.

You should take the time to compare premium rates before your next renewal since prices trend upward over time. Even if you think you had the lowest price on Sidekick insurance a year ago there is a good chance you can find better rate quotes now. Forget anything you know (or think you know) about auto insurance because you’re about to learn the quickest way to find lower rates on auto insurance.

If you currently have a car insurance policy, you should be able to lower your premiums substantially using this strategy. The purpose of this post is to help you learn the best way to quote coverages. Nevertheless, consumers must understand how insurance companies sell online and use this information to your advantage.

Take advantage of every insurance coverage discount

Some companies do not list every possible discount in a way that’s easy to find, so we took the time to find a few of the more well known as well as the least known discounts that may be available.

  • Passive Restraint Discount – Options like air bags or automatic seat belts may earn rate discounts as much as 30%.
  • Active Service Discounts – Having a deployed family member may lower your premium rates slightly.
  • 55 and Retired – Seniors may be able to get reduced rates on Sidekick insurance.
  • Paperless Signup – Many insurance companies may give you up to $50 for completing your application over the internet.
  • Seat Belts Save more than Lives – Drivers who require all vehicle occupants to wear their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.

Just know that most of the big mark downs will not be given to the entire cost. A few only apply to specific coverage prices like comprehensive or collision. If you do the math and it seems like you could get a free insurance coverage policy, insurance coverage companies aren’t that generous. But any discount will cut the amount you pay for coverage.

The best insurance coverage companies and some of their more popular discounts can be found below.

  • Mercury Insurance has savings for multi-policy, anti-theft, annual mileage, good driver, and ease of repair.
  • Farmers Insurance includes discounts for teen driver, youthful driver, mature driver, bundle discounts, distant student, electronic funds transfer, and alternative fuel.
  • Farm Bureau may offer discounts for safe driver, multi-policy, youthful driver, multi-vehicle, and 55 and retired.
  • State Farm may have discounts that include defensive driving training, multiple policy, good student, driver’s education, safe vehicle, and Drive Safe & Save.
  • Allstate has discounts for early signing, eSmart discount, farm vehicle, FullPay discount, and new car.
  • Geico policyholders can earn discounts including daytime running lights, membership and employees, driver training, emergency military deployment, anti-lock brakes, and good student.

Double check with all companies you are considering how many discounts you can get. Savings may not apply in your area. To view providers with significant discounts, click here to view.

How do insurance companies determine Suzuki Sidekick insurance rates?

Many factors are part of the equation when pricing auto insurance. Some of the criteria are obvious such as your driving history, but other factors are not quite as obvious such as whether you are married or how safe your car is.

Shown below are some of the factors utilized by car insurance companies to help set prices.

  • Save money with excellent credit – Credit rating is a big factor in determining your rates. Drivers with very good credit scores tend to be more responsible as compared to drivers with poor credit scores. Therefore, if your credit rating is low, you could be paying less to insure your 1995 Suzuki Sidekick if you improve your credit rating.
  • Where you reside can affect rates – Choosing to live in a small town can save you money when shopping for auto insurance. Fewer drivers and short commutes means reduced accidents in addition to lower liability claims People who live in big cities have more aggressive driving styles and longer commutes to work. Longer commute distances means more chance of being in an accident.
  • Driving citations inflate rates – Whether or not you get tickets influences premium rates substantially. Careful drivers get better prices as compared to those with violations. Only having one chargable violation could increase your next policy renewal substantially. Drivers who have gotten flagrant violations like reckless driving, hit and run or driving under the influence may find they need to file a SR-22 with their state DMV in order to drive a vehicle legally.
  • High coverage deductibles cost less – Coverage for physical damage, aka comp and collision, covers damage that occurs to your Suzuki. Some examples of covered claims are colliding with a building, vandalism, and damage caused by flying debris. The deductibles you choose are how much you are required to spend before a claim is paid by your company. The more of the claim you’re willing to pay, the lower your rates will be on Sidekick insurance.
  • File policy claims and pay more – Companies provide the lowest premiums to insureds who are claim-free. If you tend to file frequent claims, you can look forward to higher rates. Auto insurance is designed for claims that you cannot pay yourself.
  • Never let your insurance coverage policy expire – Having a gap between insurance policy dates is a fast way to trigger a rate increase. In addition to paying higher premiums, the inability to provide proof of insurance might get you a steep fine or even jail time.

How to know if you need help

When it comes to choosing the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions may help highlight if your insurance needs would benefit from professional advice.

  • Am I covered when driving on a suspended license?
  • Does medical payments coverage apply to all occupants?
  • Am I covered if I crash into my own garage door?
  • How do I buy GAP insurance?
  • What if I total my 1995 Suzuki Sidekick and owe more than it’s worth?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is a new car covered when I drive it off the dealer lot?
  • How many claims can I have before being cancelled?
  • Does my policy pay for OEM or aftermarket parts?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form.

Big brands don’t always mean big savings

Progressive, Allstate and Geico endlessly run television, radio, and online ads. They all seem to make the point that you can save if you get a free auto insurance quote and switch your policy. How is it plausible that every one can cost less than your current company? This is how they do it.

Insurance providers give the cheapest rates for the right customer that earns them a profit. For instance, a desirable risk should be between the ages of 30 and 45, carries full coverage, and drives less than 10,000 miles a year. A customer getting a price quote that meets those criteria receives the best car insurance rates and will most likely save a lot if they switch.

Insureds who don’t qualify for these stringent criteria will be charged higher prices which translates to the customer buying from a different company. Company advertisements say “drivers who switch” not “everybody who quotes” can save as much as they claim. That is how companies can truthfully make it sound like they have such great prices. Because of these techniques, it is so important to compare many company’s prices. It is impossible to predict which insurance companies will give you the biggest savings.

Auto insurance coverages

Having a good grasp of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Comprehensive insurance – This coverage covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like vandalism, damage from flooding and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverages – This coverage covers damage to your Sidekick from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a building, hitting a parking meter, scraping a guard rail, rolling your car and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for short-term medical expenses for things like chiropractic care, dental work, hospital visits, pain medications and nursing services. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance – Liability insurance provides protection from damage that occurs to a person or their property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like loss of income, attorney fees, court costs and medical services. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

A penny saved is a penny earned

We just showed you many ideas to get a better price on 1995 Suzuki Sidekick insurance. The most important thing to understand is the more companies you get prices for, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with the smaller companies.

When searching for cheap auto insurance quotes, never buy less coverage just to save a little money. There have been many cases where someone dropped collision coverage only to regret at claim time that the savings was not a smart move. Your strategy should be to find the BEST coverage at the best cost.

More affordable car insurance can be found both online as well as from insurance agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who may not have online rate quotes and many times these smaller providers only sell coverage through independent agents.

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