1998 Suzuki Sidekick Insurance Quotes – 5 Tips for Cheapest Rates

Tired of sacrificing to keep your car insured? You have the same problem as millions of other people.

Insurance companies such as Geico, 21st Century and Progressive constantly blast consumers with fancy advertisements and it is difficult to not get sucked in by the cute commercials and find the best price available.

Consumers should take time to get comparison quotes on a regular basis since prices change regularly. Even if you think you had the lowest quotes for Sidekick coverage a few years ago there is a good chance you can find better rates now. You can find a lot of misleading information regarding insurance coverage out there, but you can learn some of the best ways to lower your insurance coverage bill.

How to lower your insurance cost

To get cheap insurance quotes, there a variety of ways to compare rate quotes from many available insurance companies in your state. The best method to compare 1998 Suzuki Sidekick insurance prices is to jump online and get quotes. This can be accomplished in several different ways.

  1. The fastest way consumers can make multiple comparisons is a comparison rater form click to view form in new window. This form eliminates the need for boring form submissions for every prospective company. Filling out one form gets coverage cost estimates from all major companies.
  2. A slightly less efficient method to find better pricing requires a trip to the website for every company you want to comare and get a separate price quote. For examples sake, let’s assume you are doing a rate comparison from USAA, 21st Century and Progressive. To get rate quotes you would need to go to each individual site to input your insurance information, which explains why we recommend starting with the first method.

    To view a list of companies in your area, click here.

  3. The final method to get rate quotes is physically going to insurance agencies in your area. Quoting online reduces the need to sit down with an agent unless your situation requires the guidance of an agent trained in personal lines coverage. Although you can comparison shop your insurance online but have your policy serviced through an agent.

However you get your quotes, be sure to compare nearly identical information for every quote you compare. If you have unequal deductibles or liability limits you can’t possibly determine the lowest rate for your Suzuki Sidekick. Just slight variations in coverage limits can mean a large discrepancy in price. Just keep in mind that more quotes will improve the odds of getting a better price.

Insurance policy discounts you can’t miss

Some insurance providers do not advertise all disounts in an easy-to-find place, so the below list has a few of the more well known and also the lesser-known savings tricks you should be using when you buy insurance online.

  • Anti-lock Brake System – Vehicles that have anti-lock braking systems can avoid accidents so companies give up to a 10% discount.
  • Multi-line Discount – If the company offers life insurance, you could get a small discount if you purchase a life insurance policy as well.
  • Discount for Multiple Policies – When you have multiple policies and place coverage with the same company you will save approximately 10% to 15%.
  • College Student Discount – Older children who are enrolled in higher education away from home and do not take a car to college can be insured at a reduced rate.
  • Pay Early and Save – By making one initial payment rather than paying monthly you can avoid the installment charge.

We need to note that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So even though you would think you can get free auto insurance, it doesn’t quite work that way.

A list of insurance companies and a partial list of their discounts are outlined below.

  • Progressive offers premium reductions for good student, online quote discount, continuous coverage, multi-policy, multi-vehicle, homeowner, and online signing.
  • Geico has savings for anti-theft, emergency military deployment, good student, multi-vehicle, seat belt use, and anti-lock brakes.
  • State Farm offers discounts including safe vehicle, Steer Clear safe driver discount, driver’s education, student away at school, and good driver.
  • Esurance may have discounts that include anti-theft, claim free, multi-car, multi-policy, online shopper, renters, and online quote.
  • The Hartford may offer discounts for defensive driver, bundle, air bag, driver training, anti-theft, vehicle fuel type, and good student.

If you need lower rates, check with each insurance company the best way to save money. Discounts may not apply to policyholders in your area.

Insurance agents can help

When choosing the best insurance coverage coverage, there is no perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that can aid in determining whether or not you may require specific advice.

  • Can I afford to buy a different vehicle if my 1998 Suzuki Sidekick is totaled?
  • How much can I save by bundling my policies?
  • Does coverage extend to a rental car in a foreign country?
  • Is my state a no-fault state?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I have newly-aquired coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Is upholstery damage covered by car insurance?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Auto insurance 101

Knowing the specifics of your auto insurance policy can help you determine appropriate coverage for your vehicles. Auto insurance terms can be confusing and reading a policy is terribly boring. These are typical coverages found on the average auto insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Suzuki Sidekick.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like falling objects, a broken windshield, a tree branch falling on your vehicle and rock chips in glass. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses for pain medications, EMT expenses and hospital visits. They are used to fill the gap from your health insurance plan or if you do not have health coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Collision coverage protection

Collision coverage pays for damage to your Sidekick resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as damaging your car on a curb, colliding with a tree, colliding with another moving vehicle, backing into a parked car and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Auto liability

Liability coverage can cover damage that occurs to other’s property or people. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for claims such as emergency aid, court costs, attorney fees and medical services. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Feed the piggy bank

There are still a few companies who do not provide online quoting regional insurance providers sell through independent agents. More affordable insurance coverage is definitely available on the web and from local agencies, and you should compare rates from both in order to have the best price selection to choose from.

When trying to cut insurance costs, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice liability coverage limits and discovered at claim time that they should have had better coverage. Your goal is to buy enough coverage for the lowest price.

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