1996 Suzuki Sidekick Insurance Cost – 8 Tips for Cheapest Prices

If you are new to online auto insurance, there’s a good chance you are baffled because of the huge number of online companies that all promise to save you money.

Get lower-cost auto insurance with discounts

The cost of insuring your cars can be expensive, but there’s a good chance there are discounts that you may not even know about. Certain credits will be shown at the time of quoting, but occassionally some discounts must be manually applied before they will apply. If you don’t get every credit you deserve, you could be getting lower rates.

  • Service Members Pay Less – Having an actively deployed family member can result in better rates.
  • Claim-Free Discount – Drivers who stay claim-free can save substantially in comparison with accident-prone drivers.
  • Accident Forgiveness Coverage – This isn’t a discount exactly, but some companies like Liberty Mutual and Geico will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
  • Theft Deterent – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and will qualify for a discount on a insurance coverage quote.
  • Full Payment Discount – If you pay your bill all at once as opposed to paying monthly you could save up to 5%.
  • Student in College – Children who are enrolled in higher education away from home and won’t have access to an insured vehicle can be insured at a reduced rate.
  • Mature Driver Discount – Drivers that qualify as senior citizens could receive lower premium rates for Sidekick coverage.
  • Defensive Driver Discounts – Taking part in a defensive driving course may get you a small discount and easily pay for the cost of the class.

Please keep in mind that some of the credits will not apply to your bottom line cost. Most only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn’t work that way.

A partial list of companies that may include most of the discounts above include:

If you need low cost insurance coverage quotes, ask each insurance company which credits you are entitled to. A few discounts may not be offered in your area.

Tailor your insurance coverage coverage to you

When it comes to choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Every situation is different.

Here are some questions about coverages that may help highlight if your insurance needs would benefit from professional advice.

  • Are split liability limits better than a combined single limit?
  • When should I remove comp and collision on my 1996 Suzuki Sidekick?
  • How do I insure my teen driver?
  • Why am I required to get a high-risk car insurance policy?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does insurance cover tools stolen from my truck?
  • What is PIP insurance?
  • Does my insurance cover a custom paint job?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form.

Auto insurance 101

Having a good grasp of your insurance policy aids in choosing the right coverages and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from 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 can pay for claims such as theft, hail damage and a tree branch falling on your vehicle. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like surgery, doctor visits, EMT expenses and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability car insurance

Liability insurance will cover damage or injury you incur to a person or their property. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like funeral expenses, medical expenses, repair bills for other people’s vehicles, medical services and emergency aid. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Collision coverage protection

This coverage pays for damage to your Sidekick caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like colliding with another moving vehicle, hitting a parking meter and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your 1996 Suzuki Sidekick.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

More quotes. Lower rates.

Insureds change insurance companies for a number of reasons such as lack of trust in their agent, unfair underwriting practices, delays in responding to claim requests and denial of a claim. No matter why you want to switch, choosing a new company can be less work than you think.

When shopping online for insurance, it’s very important that you do not sacrifice coverage to reduce premiums. Too many times, an insured cut full coverage and found out when filing a claim that they should have had better coverage. Your goal is to find the BEST coverage at the lowest possible cost.

You just learned quite a bit of information on how to get a better price on 1996 Suzuki Sidekick insurance. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even find the best price on insurance is with a small local company.

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