1991 Suzuki Samurai Insurance Quotes – 10 Savings Tips

Expensive insurance can dwindle your checking account and make it impossible to make ends meet. Shopping your coverage around is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away.

Multiple insurers compete for your insurance dollar, so it can be very hard to choose a company to find the absolute best price available.

It’s smart to compare rates yearly since insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest price on Samurai coverage on your last policy there may be better deals available now. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the proper way to find great coverage at a great price.

If you are paying for car insurance now, you will most likely be able to save some money using these techniques. Buying car insurance is not that difficult. But consumers benefit from understanding how big insurance companies market insurance on the web because it can help you find the best coverage.

How to Compare Insurance

Most major insurance companies like 21st Century, Allstate and State Farm quote pricing on the web. Getting online quotes is pretty painless as you just type in your personal and coverage information into a form. After you complete the form, their rating system obtains your driving and credit reports and returns pricing information. This makes it a lot easier to compare rates but the work required to visit a lot of sites and complete many quote forms gets old quite quickly. But it’s absolutely necessary to do this if you are searching for the lowest insurance rates.

Rate comparisons made easy

An easier way to find lower prices requires only one form to obtain quotes from several companies at one time. The form is fast, requires less work, and makes rate comparisons much more enjoyable. Once the form is submitted, it is quoted with multiple companies and you can pick any of the price quotes you receive.

If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. It takes 15 minutes at the most and may result in a nice savings.

To save time and find out how much you can save on insurance, click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you enter coverages and limits exactly as they are listed on your policy. This ensures you will have a fair comparison based on the exact same insurance coverage.

Save big with these ten discounts

Insurance can cost an arm and a leg, but there are discounts available to help offset the cost. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be specifically requested before you get the savings.

  • Federal Employees – Being employed by or retired from a federal job may qualify you for a discount on Samurai coverage depending on your company.
  • Multi-policy Discount – If you insure your home and vehicles with the same insurance company you will save 10% to 20% off each policy.
  • Drive Less and Save – Keeping the miles down on your Suzuki can qualify you for better rates on cars that stay parked.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts can qualify for discounts up to 30%.
  • Drivers Education – Have your child successfully complete driver’s ed class if it’s offered in school.
  • Good Student – Getting good grades can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Sign Early and Save – Some companies give discounts for switching to them before your current expiration date. It can save you around 10%.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
  • Clubs and Organizations – Belonging to a professional or civic organization could trigger savings on your policy on Samurai coverage.
  • Discounts for Safe Drivers – Insureds without accidents may save up to 50% more on Samurai coverage than drivers with accident claims.

It’s important to note that most discount credits are not given to your bottom line cost. Some only reduce individual premiums such as comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, companies don’t profit that way. But any discount will cut your premiums.

To see a list of insurance companies with discount auto insurance rates, click here.

But I don’t know anything about car insurance

When it comes to choosing the best insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that could help you determine whether you could use an agent’s help.

  • When should I remove comp and collision on my 1991 Suzuki Samurai?
  • Do I really need UM/UIM coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Are my tools covered if they get stolen from my vehicle?
  • How much can I save by bundling my policies?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance coverage basics

Learning about specific coverages of your auto insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are the usual coverages found on the average auto insurance policy.

Coverage for liability

This coverage protects you from damage or injury you incur to people or other property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like attorney fees, repair costs for stationary objects and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as X-ray expenses, ambulance fees and rehabilitation expenses. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Suzuki Samurai.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Usually these coverages are similar to your liability insurance amounts.

Collision protection

Collision coverage pays for damage to your Samurai resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sideswiping another vehicle, damaging your car on a curb, crashing into a ditch and colliding with a tree. This coverage can be expensive, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a deer, a broken windshield, falling objects, fire damage and damage from getting keyed. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.