1997 Isuzu Hombre Car Insurance Rates – 10 Savings Tips

Searching for cheaper insurance for a new or used Isuzu Hombre can be an all-consuming task, but you can learn our insurance coverage buying tips to save time. There are both good and bad ways to find insurance coverage online so we’re going to tell you the quickest way to quote coverages for your Isuzu and locate the best price possible either online or from local insurance agents.

It’s important to do rate comparisons once or twice a year because insurance coverage rates trend upward over time. If you had the lowest premium rates for Hombre coverage six months ago there is a good chance you can find better prices now. You’ll find quite a bit of inaccurate information about insurance coverage on the web, but we’re going to give you some of the best ways to buy insurance coverage cheaper.

Discounts can really help lower premiums

Companies offering auto insurance don’t list every possible discount very clearly, so the next list breaks down some of the best known and the harder-to-find credits that you can use to lower your rates.

  • Resident Student – College-age children living away from home attending college without a vehicle on campus may qualify for this discount.
  • No Claim Discounts – Drivers who stay claim-free pay much less compared to drivers with a long claim history.
  • Cautious Driver Discount – Insureds without accidents can pay as much as 50% less for Hombre coverage than drivers with accidents.
  • Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you may have a lower total premium amount.
  • Professional Memberships – Affiliation with a qualifying organization could trigger savings on your next renewal.
  • First Accident Forgiveness – Not a discount per se, but some insurance companies may permit one accident without getting socked with a rate hike if you are claim-free for a certain period of time.
  • Senior Citizen Discount – Drivers that qualify as senior citizens may receive a small discount on rates for Hombre coverage.
  • Drive Less and Save – Fewer annual miles on your Isuzu could qualify for better rates on cars that stay parked.
  • Active Military Service – Being on active deployment in the military could qualify you for better prices.
  • Onboard Data Collection – Drivers who agree to allow companies to look at vehicle usage through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they exhibit good driving behavior.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the entire cost. Some only reduce individual premiums such as comp or med pay. Even though it appears all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

The best insurance companies and some of their more popular discounts include:

  • Progressive offers discounts for homeowner, online signing, multi-policy, multi-vehicle, continuous coverage, and online quote discount.
  • SAFECO includes discounts for drive less, accident prevention training, anti-lock brakes, multi-car, anti-theft, and teen safety rewards.
  • American Family may offer discounts for bundled insurance, multi-vehicle, Steer into Savings, defensive driver, good driver, air bags, and mySafetyValet.
  • MetLife may include discounts for good student, accident-free, good driver, claim-free, and defensive driver.
  • Geico has savings for anti-theft, seat belt use, driver training, air bags, multi-policy, anti-lock brakes, and emergency military deployment.
  • The Hartford has discounts for air bag, bundle, anti-theft, good student, defensive driver, driver training, and vehicle fuel type.

When comparing rates, check with each company to give you their best rates. Some discounts listed above may not be offered in your area. To find insurance companies that can offer you the previously mentioned discounts, click here.

Will just any policy work for me?

When it comes to buying adequate coverage, there isn’t really a one size fits all plan. Each situation is unique.

Here are some questions about coverages that can aid in determining if your situation might need professional guidance.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Can I still get insurance after a DUI?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is my teen driver covered when they drive my company car?
  • Should I bundle my homeowners policy with my auto?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

The ad said I’d save $423 a year!

Drivers can’t escape the ads for car insurance savings by Progressive, Allstate and Geico. All the ads try to convey promises of big savings if you just switch your policy.

How can each company charge you a lower premium? It’s all in how they say it.

Many companies are able to cherry pick for the type of insured they prefer to insure. An example of this type of risk profile should be between 25 and 40, has no driving citations, and drives a car with an anti-theft system. Any driver who fits that profile will most likely get cheap premium rates and have a good chance to save a lot if they switch.

Potential customers who are not a match for these standards will probably have to pay a higher premium and ends up with the driver buying from a lower-cost company. The ad wording is “people who switch” but not “everyone who gets a quote” save money. That’s the way insurance companies can make the claims of big savings. That is why you really need to compare rate quotes every year. Because without a comparison, you cannot know with any certainty which company will give you lower auto insurance rates than your current company.

Car insurance coverages explained

Knowing the specifics of your policy helps when choosing the right coverages for your vehicles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as dental work, chiropractic care, funeral costs and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Collision protection

This pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like crashing into a ditch, crashing into a building, colliding with a tree, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as falling objects, a broken windshield and damage from a tornado or hurricane. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability coverages

This coverage can cover injuries or damage you cause to a person or their property that is your fault. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for claims such as medical expenses, legal defense fees, loss of income and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist coverage

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your Isuzu Hombre.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Shop around and save

In this article, we covered a lot of techniques to lower your 1997 Isuzu Hombre insurance car insurance rates. It’s most important to understand that the more companies you get premium rates for, the more likely it is that you will get a better rate. Consumers may even find the lowest priced auto insurance comes from an unexpected company.

Drivers leave their current company for many reasons like extreme rates for teen drivers, high prices, unfair underwriting practices and even questionable increases in premium. Regardless of your reason, choosing a new company is easier than you think.

As you go through the steps to switch your coverage, you should never sacrifice coverage to reduce premiums. In many cases, an insured cut liability coverage limits and learned later they didn’t have enough coverage. Your strategy should be to purchase a proper amount of coverage at a price you can afford and still be able to protect your assets.

To learn more, take a look at the resources below: