1997 Isuzu Rodeo Car Insurance Quotes – 8 Savings Tips

Searching for the cheapest insurance for an Isuzu Rodeo can be difficult, but you can learn the following methods and make it easy.

There are more efficient ways to find insurance online so we’re going to tell you the quickest way to price shop coverage on a Isuzu and get the lowest price from both online companies and local agents.

Low cost insurance coverage

Shopping for lower insurance coverage rates can be exhausting if you don’t utilize the most efficient way. You can waste a few hours (or days) talking to agents in your area, or you could save time and use online quotes for quick rates.

Many insurance companies participate in a marketplace where prospective buyers enter their coverage request one time, and every company then returns a price quote determined by their information. This saves time by eliminating quote forms for each company you want a rate for.

To get comparison pricing now click here (opens in new window).

The single downside to using this type of form is buyers cannot specifically choose which insurance companies to receive prices from. If you wish to select from a list of companies for rate comparison, we have a page of insurance coverage companies in your area. Click to view list.

Whichever method you choose, be sure you’re using equivalent quote information for each price quote. If you compare different liability limits it will be next to impossible to find the best deal for your Isuzu Rodeo.

Use discounts to get cheaper car insurance rates

Some insurers do not list every disount available very clearly, so we researched both well-publicized and the more hidden car insurance savings.

  • Driver Training Discounts – Completing a class that teaches defensive driving techniques may get you a small discount and make you a better driver.
  • Resident Student – Older children who live away from home to go to college and don’t have a car can receive lower rates.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of up to 25% or more.
  • Claim-Free Discount – Drivers with accident-free driving histories are rewarded with significantly better rates on insurance coverage quote in comparison with drivers with a long claim history.
  • Payment Method – If you pay your bill all at once rather than paying in monthly installments you may have a lower total premium amount.
  • Accident Waiver – This one is not really a discount per se, but companies like Allstate and Geico may permit one accident before your rates go up with the catch being you have to be claim-free for a particular time prior to the accident.
  • Senior Citizen Discount – Older drivers could receive a slight reduction on a insurance coverage quote on Rodeo insurance.
  • Seat Belt Usage – Forcing all vehicle occupants to wear their seat belts can save 10% or more on medical payment and PIP coverage.

We need to note that most of the big mark downs will not be given to the overall cost of the policy. Most cut the cost of specific coverages such as medical payments or collision. Even though the math looks like adding up those discounts means a free policy, you’re out of luck.

If you would like to view insurers that have a full spectrum of discounts, click this link.

Tailor your auto insurance coverage to you

When buying coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different.

For example, these questions might help in determining if your insurance needs would benefit from professional advice.

  • How do I insure my teen driver?
  • Am I covered if hit by an uninsured driver?
  • What can I do if my company denied a claim?
  • Do I need motorclub coverage?
  • When do I need to add a new car to my policy?
  • At what point should I drop full coverage?
  • Which is better, split liability limits or combined limits?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Car insurance coverage considerations

Understanding the coverages of car insurance can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Collision protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a ditch, backing into a parked car, damaging your car on a curb and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hitting a deer, hail damage and a broken windshield. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability

Liability insurance protects you from injuries or damage you cause to other’s property or people. Coverage consists of three different 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 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as court costs, loss of income, medical services, structural damage and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like nursing services, ambulance fees, X-ray expenses and doctor visits. They are often used in conjunction with a health insurance plan or if you do not have health coverage. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Final considerations

As you prepare to switch companies, never buy less coverage just to save a little money. There are too many instances where consumers will sacrifice full coverage only to find out that it was a big error on their part. The ultimate goal is to buy enough coverage at the best possible price while still protecting your assets.

Consumers switch companies for a variety of reasons including poor customer service, policy non-renewal, an unsatisfactory settlement offer and extreme rates for teen drivers. Regardless of your reason for switching companies, finding a new company can be easier than you think.

You just read a lot of ways to lower your 1997 Isuzu Rodeo insurance car insurance rates. The most important thing to understand is the more you quote insurance coverage, the better your comparison will be. You may even discover the lowest priced insurance coverage comes from the least-expected company.

More detailed insurance coverage information can be found in these articles: