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Suzuki Esteem Insurance Cost

You have lots of choices when shopping for car insurance for your Suzuki vehicle. You can get prices from an insurance agent or go online to check prices from multiple companies. Comparing auto insurance online can be fast and easy and at the same time you may find lower rates.

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of online companies selling insurance. Lowering your Esteem insurance rates is not rocket science. You just need to take a few minutes to compare quotes provided by online insurance companies. This can be done by completing this short form.

Which factors influence the rate you pay?

Insurance premiums paid to insure a Suzuki Esteem will vary greatly depending on several factors. Taken into consideration are:

  • Higher performance Esteem vehicles cost more
  • Your accident history
  • Home and auto can earn discounts
  • How you use your vehicle
  • Special coverage such as replacement cost
  • Whether or not you have claims
  • Having continuous coverage saves you money
  • Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. New vehicles have a higher value compared to older Suzuki models so the cost to replace them will push premiums up. Although more recent Suzuki vehicles have more advanced features included like pedestrian detection, dual-stage airbags, and blind-spot warning system so those may give discounted rates.

To get a better understanding how much rates will be for your vehicle, select the year of your Esteem from available model years below.

Liability coverage

This coverage will cover damages or injuries you inflict on a person or their property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy as much as you can afford.

Collision insurance

This coverage will pay to fix damage to your Suzuki from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible in order to get cheaper Esteem insurance cost.

Comprehensive coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like doctor visits, EMT expenses, and X-ray expenses. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Suzuki Esteem Insurance Rates?