1999 Isuzu Oasis Car Insurance Quotes – 5 Ways to Save

Trying to find lower auto insurance rates for your Isuzu Oasis? Wish you could get out of an overpriced auto insurance policy? Believe me when I say you’re not the only one. Numerous car insurance companies battle to insure your vehicles, so it can be very hard to choose a company and get the best coverage at the lowest price

Insurance coverage quotes comparison

Getting a cheaper price on 1999 Isuzu Oasis insurance doesn’t have to be difficult. All you need to do is invest a few minutes getting comparison quotes from different insurance companies. Comparing prices online can be done in a couple of different ways.

  • The most recommended method to get quotes is to use a rate comparison form click to view form in new window. This form keeps you from doing multiple quote forms for every company. Filling out one form gets coverage cost estimates from several companies.
  • A slightly less efficient method to compare rate quotes is to manually visit each individual company website to request a price quote. For sake of this example, we’ll assume you need rates from State Farm, Liberty Mutual and Travelers. To get each rate you have to spend time going to each site individually to enter your coverage information, which can take a lot of time. For a handy list of car insurance company links in your area, click here.

The method you choose is up to you, but make sure you use the exact same coverage information on every quote you get. If the quotes have differing limits you will not be able to find the best deal for your Isuzu Oasis.

Buyer beware of insurance coverage advertising tricks

Consumers can’t ignore all the ads that promise big savings from the likes of Allstate and Progressive. They all seem to make the promise that you can save if you get a free insurance quote and switch your policy.

How does every insurance coverage company lower your premium rates? It’s all in the words they use.

Many companies have strict underwriting profiles for the type of driver they prefer to insure. One example of a preferred risk might have to be between the ages of 40 and 55, has a clean driving record, and drives a vehicle with a low ISO rating. A propective insured that fits those parameters is entitled to the best price and will most likely cut their rates substantially.

Consumers who may not quite match the ideal profile will get a higher rate and this results in the driver buying from a lower-cost company. The trick companies use is to say “people who switch” not “all people who quote” save that much when switching. That’s the way companies can make claims like that.

Because every company is different, you absolutely need to do a quote comparison often. It is impossible to guess which insurance companies will give you lower car insurance rates than your current company.

Cheaper insurance rates with discounts

Companies that sell car insurance don’t list all available discounts very well, so here is a list some of the best known and also the more inconspicuous discounts that you may qualify for.

  • Distant College Student Discount – who are enrolled in higher education away from home and leave their car at home can receive lower rates.
  • Low Mileage Discounts – Maintaining low annual mileage can qualify you for lower insurancerates on the low mileage vehicles.
  • Sign Early and Save – Some insurance companies give discounts for switching companies early. This can save 10% or more.
  • Active Service Discounts – Being on active duty in the military may qualify for rate reductions.
  • Discount for Home Ownership – Owning a house can save you money because it requires personal responsibility.

A little disclaimer on discounts, most credits do not apply to the entire policy premium. Most only reduce individual premiums such as comp or med pay. So when it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way. But all discounts should help lower your insurance premiums.

Large insurance companies and a selection of discounts are:

  • Farmers Insurance offers discounts for business and professional, mature driver, pay in full, good student, electronic funds transfer, and multi-car.
  • Esurance may include discounts for Switch & Save, emergency road assistance, multi-car, online shopper, safety device, and DriveSense.
  • State Farm offers discounts including passive restraint, driver’s education, defensive driving training, accident-free, Steer Clear safe driver discount, and multiple autos.
  • Geico policyholders can earn discounts including military active duty, driver training, seat belt use, emergency military deployment, anti-lock brakes, federal employee, and air bags.
  • Allstate may have discounts that include new car, economy car, 55 and retired, farm vehicle, FullPay discount, and anti-theft.

Check with every insurance company to apply every possible discount. Discounts may not apply in your state. For a list of providers who offer insurance discounts, click here to view.

Tailor your auto insurance coverage to you

When it comes to buying adequate coverage for your vehicles, there really is not a “best” method to buy coverage. Each situation is unique so this has to be addressed. These are some specific questions may help highlight if you will benefit from professional help.

  • Can I afford to buy a different vehicle if my 1999 Isuzu Oasis is totaled?
  • Will my insurance pay for OEM parts?
  • Do I have coverage for damage caused while driving under the influence?
  • How high should my uninsured/underinsured coverage be in my state?
  • What companies insure drivers after a DUI or DWI?
  • Exactly who is provided coverage by my policy?
  • Am I covered if I wreck a rental car?
  • Do I need roadside assistance coverage?
  • Am I getting all the discounts available?
  • What is covered by UM/UIM coverage?

If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance specifics

Understanding the coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types found on the average auto insurance policy.

Liability coverages – Liability coverage can cover damage that occurs to other people or property in an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things like funeral expenses, loss of income and structural damage. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like ambulance fees, funeral costs, prosthetic devices, dental work and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Collision coverage – This covers damage to your Oasis resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as crashing into a ditch, hitting a mailbox, damaging your car on a curb, rolling your car and colliding with a tree. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, vandalism, hail damage and fire damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 1999 Isuzu Oasis.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Do the work, save more money

When shopping online for car insurance, it’s not a good idea to skimp on critical coverages to save a buck or two. In many cases, drivers have reduced comprehensive coverage or liability limits to discover at claim time they didn’t have enough coverage. The goal is to buy a smart amount of coverage at the best cost, but don’t skip important coverages to save money.

We just showed you a lot of information how to save on 1999 Isuzu Oasis insurance. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the most savings is with a company that doesn’t do a lot of advertising. Smaller companies may only write in your state and offer lower auto insurance rates compared to the large companies like Allstate or State Farm.

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