How Much Does 2001 Suzuki Esteem Insurance Cost?

Searching for cheaper auto insurance rates for your Suzuki Esteem? I really doubt anyone is fond of buying auto insurance, in particular when their premiums are too high.

With so many companies to choose from, it can be diffult for drivers to find the cheapest insurer.

It’s a good habit to compare premium rates at least once a year because prices fluctuate regularly. Despite the fact that you may have had the best quotes for Esteem coverage on your last policy the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about auto insurance because I’m going to teach you the quickest way to find lower rates on auto insurance.

Finding affordable coverage is easy if you know what you’re doing. If you currently have a car insurance policy, you will most likely be able to save some money using these tips. Nevertheless, vehicle owners must comprehend the way insurance companies price online insurance and use this information to your advantage.

Smart consumers know how to buy car insurance cheaper

Smart consumers have a good feel for some of the elements that are used to determine your car insurance rates. If you have a feel for what controls the rates you pay, this enables informed choices that could result in cheaper rates.

Shown below are most of the major factors companies use to determine premiums.

  • City traffic equals higher rates – Being located in a small town has definite advantages when trying to find low car insurance rates. Less people living in that area translates into fewer accident claims in addition to fewer liability claims. Drivers in populated areas have to deal with more auto accidents and more severe claims. More time on the road means higher likelihood of an accident.
  • Improve your credit score – Having a good credit score will be a significant factor in your rate calculation. So if your credit history leaves room for improvement, you could be paying less to insure your 2001 Suzuki Esteem by improving your credit score. Insureds that have high credit ratings tend to be more responsible than those with poor credit.
  • Rates increase with policy add-ons – Policies have extra bells and whistles that can waste your money if you don’t pay attention. Coverages for rental car coverage, high-cost glass coverage, and motor club memberships are some examples. These coverages may sound good when buying your policy, but your money might be better spent on other coverage so get rid of them and save.
  • Continuous coverage lowers premiums – Allowing your car insurance policy to lapse is a fast way to trigger a rate increase. In addition to paying higher premiums, the inability to provide proof of insurance could earn you fines and jail time. You may have to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.

Cheaper rates with these discounts

Companies offering auto insurance don’t list all possible discounts very clearly, so here is a list some of the best known as well as the least known credits available to bring down your rates.

  • Professional Organizations – Affiliation with specific professional or occupational memberships or organizations could qualify you for a break on car insurance.
  • E-sign – Some of the larger companies give back up to $50 for completing your application digitally online.
  • Smart Student Discounts – A discount for being a good student can save 20 to 25%. You can use this discount normally until age 25.
  • Seat Belt Usage – Drivers who require all occupants to buckle their seat belts may be able to save a few bucks on medical payment and PIP coverage.
  • Multi-line Discount – Companies who offer life insurance give a break if you buy life insurance from them.
  • Discount for Multiple Policies – If you can combine your auto and home policy with the same insurance company you could save up to 20% and get you the cheapest auto insurance.

Discounts lower rates, but most credits do not apply to the overall cost of the policy. Most cut individual premiums such as comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

To choose providers that offer the discounts shown above, click here to view.

Can you really save that much by switching?

Companies like 21st Century, Allstate and State Farm seem to constantly run ads in print and on television. They all seem to convey the message that you’ll save big if you just switch to their company. How does each company make almost identical claims?

Companies have a preferred profile for the type of insured that earns them the most money. An example of this type of driver might have to be between 25 and 40, carries full coverage, and the vehicle is rated for pleasure use. Anybody that hits that “sweet spot” gets the lowest prices as well as cut their rates if they switch.

Consumers who do not match this stringent profile will see more expensive rates which results in the customer not purchasing. If you pay attention, the ads say “drivers who switch” not “everybody who quotes” will save that much if they switch. That’s the way companies can make claims like that. Because of the profiling, you really should compare as many free auto insurance quotes as you can. It is just not possible to predict the company that will fit you best based on your risk profile.

Insurance can be complex

When it comes to buying adequate coverage for your vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions can help discover if you would benefit from an agent’s advice.

  • When should I remove comp and collision on my 2001 Suzuki Esteem?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • When does my teenage driver need to be added to my policy?
  • Is my state a no-fault state?
  • When should I not file a claim?
  • Do I need higher collision deductibles?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Insurance coverage options for a 2001 Suzuki Esteem

Knowing the specifics of a insurance policy aids in choosing the right coverages for your vehicles. Insurance terms can be impossible to understand and coverage can change by endorsement. These are the usual coverages offered by insurance companies.

Coverage for liability

Liability coverage will cover damage or injury you incur to people or other property that is your fault. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, 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 protects against claims like funeral expenses, bail bonds, pain and suffering and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive auto coverage

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

Comprehensive coverage protects against claims like damage from a tornado or hurricane, hitting a bird, vandalism, hail damage and damage from getting keyed. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage

Collision coverage covers damage to your Esteem resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a ditch, backing into a parked car, colliding with another moving vehicle, crashing into a building and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses like surgery, chiropractic care, ambulance fees, X-ray expenses and dental work. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2001 Suzuki Esteem.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Feed the piggy bank

Cheap 2001 Suzuki Esteem insurance can be bought both online as well as from insurance agents, so you need to quote auto insurance with both in order to have the best chance of saving money. Some companies do not provide rate quotes online and these regional insurance providers only sell coverage through local independent agencies.

In this article, we presented a lot of tips how to save on 2001 Suzuki Esteem insurance. It’s most important to understand that the more you quote auto insurance, the higher the chance of saving money. You may even find the best price on auto insurance is with some of the lesser-known companies. These smaller insurers can often provide lower car insurance rates in certain areas as compared to the big name companies such as Allstate or State Farm.

As you shop your coverage around, never reduce needed coverages to save money. In many instances, someone sacrificed liability coverage limits only to regret they didn’t have enough coverage. The goal is to purchase plenty of coverage for the lowest cost while still protecting your assets.

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