Save on 2007 Isuzu i-Series Car Insurance Rates

Are you tired of paying out the nose each month for insurance? You have the same problem as the majority of other people. Many insurers vie for your hard-earned dollar, and because of this it can be hard to compare insurance companies and get the best coverage at the lowest rate possible.

If you have a policy now or need a new policy, you can use these techniques to find better prices and possibly find even better coverage. Buying car insurance is not that difficult. Drivers only need to know the most effective way to buy auto insurance online.

How to find affordable car insurance

Reducing your 2007 Isuzu i-Series insurance rates is pretty simple and can save money. Drivers just need to invest a few minutes to compare free insurance quotes to discover which company has cheaper insurance quotes. This can easily be done in a couple of different ways.

  1. The most efficient method to find low rates would be an industry-wide quote request form like this one (opens in new window). This form eliminates the need for separate quotation requests for each company. In just a few minutes this one form gets prices estimates from car insurance companies with the best prices.
  2. A harder way to compare rate quotes is going to each company’s website to complete their respective quote request forms. For example, let’s assume you want to compare rates from Liberty Mutual, Safeco and Travelers. To find out each rate you need to go to every website and punch in your information repeatedly, and that explains why we recommend the first method. To view a list of companies in your area, click here.
  3. The least efficient and most time consuming way to comparison shop is making phone calls or going to insurance agents’ offices. The fact that you can get quotes online makes this unnecessary unless you want the professional assistance that can only be provided by a licensed insurance agent. If you prefer, some companies allow you to get prices online but purchase the actual policy in an agency.

Which method you use is up to you, but try to use exactly the same information with every price quote. If the quotes have mixed coverages it’s not possible to decipher which rate is best.

Discounts for cheap auto insurance rates

Some companies don’t necessarily list every available discount in an easy-to-find place, so the list below contains some of the best known as well as the least known discounts that may be available.

  • Include Life Insurance and Save – Not all insurance carriers offer life insurance, but some may give you a discount if you purchase some life insurance too.
  • Discounts for Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% on i-Series coverage depending on your company.
  • Claim Free – Claim-free drivers have much lower rates compared to bad drivers.
  • Multi-Vehicle Discounts – Insuring primary and secondary vehicles on a single policy qualifies for this discount.
  • Good Student Discount – Excelling in school can save 20 to 25%. The good student discount can last until age 25.
  • Switch and Save Discount – A few companies give discounts for renewing your policy before your current coverage expires. This can save 10% or more.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts could see savings as much as 30%.
  • Driver Training Discounts – Successfully completing a safe driver course can save you 5% or more and make you a better driver.
  • Onboard Data Collection – Insureds who allow their insurance company to spy on their driving habits remotely like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if they have good driving habits.
  • Distant Student – Kids living away from home attending college and do not have a car can receive lower rates.

A little disclaimer on discounts, most discount credits are not given to the entire policy premium. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think all the discounts add up to a free policy, insurance companies wouldn’t stay in business. But any discount should help reduce your overall bill.

Companies and some of their more popular discounts are shown below.

  • State Farm offers discounts for Drive Safe & Save, multiple policy, driver’s education, good driver, student away at school, and defensive driving training.
  • American Family may include discounts for multi-vehicle, bundled insurance, defensive driver, early bird, TimeAway discount, Steer into Savings, and mySafetyValet.
  • Geico has discounts for defensive driver, good student, seat belt use, anti-theft, air bags, and emergency military deployment.
  • 21st Century offers discounts including theft prevention, teen driver, early bird, anti-lock brakes, defensive driver, 55 and older, and driver training.
  • Progressive discounts include good student, multi-policy, homeowner, online signing, continuous coverage, multi-vehicle, and online quote discount.

When comparing rates, check with all the companies which discounts can lower your rates. Some of the earlier mentioned discounts may not apply to policies in your area.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage, there is no best way to insure your cars. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that might point out whether you could use an agent’s help.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Should I buy only the required minimum liability coverage?
  • Should I waive the damage coverage when renting a car?
  • How much liability coverage do I need in my state?
  • Should I buy additional glass protection?
  • What vehicles should carry emergency assistance coverage?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Coverages available on your auto insurance policy

Knowing the specifics of auto insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Auto insurance terms can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types found on most auto insurance policies.

Collision coverages – Collision coverage covers damage to your i-Series from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like colliding with another moving vehicle, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Uninsured and underinsured coverage – This gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Isuzu i-Series.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these coverages are similar to your liability insurance amounts.

Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hail damage, hitting a deer, theft and a broken windshield. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability – Liability insurance can cover injuries or damage you cause to people or other property that is your fault. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things such as medical expenses, structural damage, medical services and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for expenses for X-ray expenses, doctor visits, dental work and pain medications. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage