Compare 1999 Isuzu VehiCROSS Car Insurance Rates

Are you drained from robbing Peter to pay Paul to pay insurance each month? Your situation is no different than most other consumers. Many insurers compete to insure your vehicles, and it can be difficult to compare rates to discover the definitive lowest rate

If you have insurance now or are shopping for new coverage, you can learn to find the best rates and still get good coverage. Finding affordable coverage is not rocket science. Vehicle owners only need an understanding of the proper methods to shop for insurance over the internet.

Insurance price influencing factors

Many different elements are part of the equation when you get your auto insurance bill. Most are fairly basic such as your driving record, but other criteria are not quite as obvious like your vehicle usage and annual miles driven.

  • Does your employer cost you more? – Do you have a high-stress occupation? Careers such as military personnelair traffic controllers and financial analysts usually pay higher average rates due to intense work situations and extremely grueling work hours. Other careers like farmers, engineers and the unemployed pay the least for VehiCROSS coverage.
  • Infrequent drivers can save – Driving a lot of miles every year the more you’ll pay to insure it. The majority of insurers rate vehicles partially by how you use the vehicle. Cars that are left in the garage can get a lower rate than cars that get driven a lot. An incorrectly rated VehiCROSS can cost quite a bit. Make sure your insurance policy is rated on the right rating data, because it can save money.
  • Cautious drivers have lower rates – Whether or not you get tickets has a big impact on rates. Having a single moving violation can increase rates forty percent or more. Attentive drivers get better rates as compared to careless drivers. Drivers who get serious citations like DUI, reckless driving or excessive speeding may need to submit a SR-22 form with their state DMV in order to legally drive.
  • Being married pays dividends – Having a significant other may earn you lower rates on your insurance policy. Marriage usually means you are more mature and responsible and it’s statistically proven that married drivers get in fewer accidents.
  • Insurance rates and age – Inexperience drivers are known to be inattentive and easily distracted with other occupants in the car and because of this, their insurance rates are much higher. Older people have been proven to be more responsible, are lower risk to insure and tend to be get fewer driving tickets.
  • Deductibles are a factor – Physical damage insurance, also called ‘full coverage’, is used to repair damage to your vehicle. Some instances where coverage would apply are a dented fender, damage from fire, or theft. Deductibles for physical damage are how much you are required to spend out-of-pocket if a claim is determined to be covered. The more of the claim you pay before a claim is paid (deductible), the less money you will pay for insurance for VehiCROSS coverage.
  • Do you know you’re credit score? – Having a bad credit score is a large factor in determining what you pay. Drivers who have very high credit ratings tend to file fewer claims and have better driving records than drivers with worse credit. If your credit score leaves room for improvement, you could pay less to insure your 1999 Isuzu VehiCROSS by repairing your credit.
  • Females tend to take less risk – Statistics have proven females are less aggressive when driving. Now that doesn’t mean males are worse at driving than females. They both are in fender benders at about the same rate, but men get into accidents with more damage. In addition to higher claims, males also have more aggressive citations like DUI and reckless driving. Male teenagers tend to get in the most accidents and are penalized with high insurance rates.

Compare insurance coverage quotes online

There are multiple methods to compare insurance coverage prices but one way is easier and takes less work. You can waste a lot of time talking to agents in your area, or you can utilize online quoting to accomplish the same thing much quicker.

Many of the larger companies belong to an insurance system where insurance shoppers enter their coverage request one time, and each company then returns a price quote based on that information. This saves time by eliminating quote requests to every company.

To fill out one form to compare multiple rates now click here to start a free quote.

The only drawback to doing it this way is you cannot specify the insurers to get quotes from. If you prefer to choose individual companies to compare rates, we have assembled a list of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

Whichever way you use, be certain you are entering identical coverage information for every quote you compare. If you have unequal deductibles or liability limits it will be nearly impossible to make an equal comparison.

Save money with these discounts

Auto insurance companies don’t always publicize the complete list of policy discounts very clearly, so we break down some of the more common and also the lesser-known ways to save on auto insurance.

  • Auto/Home Discount – When you combine your homeowners and auto insurance and place coverage with the same company they may give you a discount of up to 20% and get you low cost insurance.
  • Air Bags and Passive Restraints – Cars that have air bags could see savings of more than 20%.
  • Use Seat Belts – Requiring all passengers to buckle up could save 15% on medical payment and PIP coverage.
  • One Accident Forgiven – This one isn’t a discount, but a few companies such as Progressive and Allstate will turn a blind eye to one accident before they charge you more for coverage if you have no claims prior to the accident.
  • Membership in Organizations – Joining a professional or civic organization could qualify you for a break on auto insurance.
  • Theft Prevention System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Braking Control Discount – Cars and trucks equipped with ABS or steering control are much safer to drive so you can save 10 percent or more.
  • Lower Rates for Military – Having an actively deployed family member could mean lower auto insurance rates.

A quick disclaimer, most discounts do not apply to the overall cost of the policy. Some only apply to specific coverage prices like liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, it’s just not the way it works.

Some of the insurance companies that may include many of the previously listed discounts are:

When getting a coverage quote, ask each insurance company how many discounts you can get. Depending on the company, some discounts might not be offered on policies in your area. To find insurance companies offering auto insurance discounts, follow this link.

Auto insurance can be complex

When it comes to choosing adequate coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. For instance, these questions might help in determining if your insurance needs would benefit from professional advice.

  • Do I need special endorsements for business use of my vehicle?
  • Can I afford to pay high deductible claims out of pocket?
  • Can I afford low physical damage deductibles?
  • Should I put collision coverage on all my vehicles?
  • Do I benefit by insuring my home with the same company?
  • Do I have newly-aquired coverage?
  • Am I covered if I hit my neighbor’s mailbox?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Specific coverage details

Learning about specific coverages of your car insurance policy aids in choosing the right coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy. These are the normal coverages found on most car insurance policies.

Uninsured/Underinsured Motorist coverage

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and also any damage incurred to your 1999 Isuzu VehiCROSS.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Liability coverages

This coverage protects you from damage that occurs to a person or their property. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like attorney fees, structural damage, medical expenses, repair costs for stationary objects and repair bills for other people’s vehicles. 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 coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as X-ray expenses, EMT expenses, prosthetic devices, nursing services and hospital visits. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision protection

Collision insurance pays for damage to your VehiCROSS resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like sustaining damage from a pot hole, colliding with another moving vehicle, hitting a mailbox and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as falling objects, theft, fire damage, damage from flooding and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Get your money’s worth

You just learned many ways to shop for 1999 Isuzu VehiCROSS insurance online. The most important thing to understand is the more companies you get car insurance rates for, the better your comparison will be. Consumers could even find that the lowest priced insurance comes from a smaller regional carrier. These smaller insurers may only write in your state and offer lower car insurance rates compared to the large companies like Progressive and Geico.

When buying insurance coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many cases, an insured dropped full coverage and found out when filing a claim that it was a big mistake. Your objective should be to buy the best coverage you can find at the best cost but still have enough coverage for asset protection.

More detailed insurance information can be read in these articles: