Save on 1994 Suzuki Samurai Insurance Rates

Looking for the cheapest auto insurance rates? Shoppers have options when shopping for low-cost Suzuki Samurai insurance. They can either waste time calling around trying to get quotes or leverage the internet to compare rates. There is a right way and a wrong way to find auto insurance online and we’ll show you the proper way to price shop coverage on a Suzuki and get the best price possible.

Choosing the best insurance company for you is easy if you know what you’re doing. If you have car insurance now, you should be able to save some money using these techniques. Consumers just need to know the proper methods to compare company rates over the internet.

The method we recommend to compare insurance rates in your area utilizes the fact all the major auto insurance companies provide online access to provide you with a free rate quote. To start a quote, the only thing you need to do is spend a couple of minutes providing details including driver ages, whether you drive to work or school, your education level, and the year, make and model of vehicles. Your insurance information is then submitted to multiple companies and you should receive rate quotes very quickly.

You probably qualify for some discounts

Auto insurance companies don’t list all their discounts in a way that’s easy to find, so we break down some of the best known as well as the least known savings tricks you should be using. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Drivers Ed for Students – Have your child successfully complete driver’s ed class if it’s offered in school.
  • 55 and Retired – If you’re over the age of 55, you may qualify for reduced rates on Samurai insurance.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Suzuki can earn lower rates on the low mileage vehicles.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy qualifies for this discount.
  • Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Own a Home – Being a homeowner may earn you a small savings because maintaining a house requires personal responsibility.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.

A little note about advertised discounts, most discounts do not apply the the whole policy. Most only cut individual premiums such as liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, companies don’t profit that way.

Insurance companies who might offer some of the above discounts include:

Double check with each company how you can save money. Savings might not be offered in every state.

There’s no such thing as the perfect policy

When choosing the best insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different.

These are some specific questions may help you determine whether you will benefit from professional help.

  • Does liability extend to a camper or trailer?
  • When do I need to add a new car to my policy?
  • Is a fancy paint job covered?
  • Do I have coverage when making deliveries for my home business?
  • What is high-risk coverage and where do I buy it?
  • Am I covered if I break a side mirror?
  • How high should deductibles be on a 1994 Suzuki Samurai?
  • How many claims can I have before being cancelled?
  • What is the ISO rating for a 1994 Suzuki Samurai?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

Factors that might impact rates for a Suzuki Samurai

It’s important that you understand the rating factors that come into play when calculating the price you pay for auto insurance. Having a good understanding of what influences your rates helps enable you to make changes that may reward you with big savings.

The list below includes a few of the “ingredients” that factor into rates.

  • Extra add-on coverages are wasting money – There are quite a few extra coverages that you can buy on your 1994 Samurai policy. Coverages like personal injury protection, towing coverage and additional equipment coverage may be costing you every month. These may sound like a good investment when you first buy your policy, but now you might not need them so get rid of them and save.
  • Never allow your policy to lapse – Having an insurance coverage lapse will be a sure-fire way to increase your auto insurance rates. Not only will rates go up, failure to provide proof of insurance can result in a steep fine or even jail time.Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • With age comes lower rates – Teen drivers are statistically proven to be less responsible when driving so they pay higher auto insurance rates. Having to add a youthful driver onto a policy can be very expensive. More mature drivers tend to be more responsible, statistically cause fewer accidents and are safer drivers.
  • Rates may be lower depending on your job – Occupations such as doctors, social workers and accountants tend to pay higher rates than average because of high stress levels and long work hours. On the flip side, jobs such as actors, athletes and the unemployed have the lowest average rates on Samurai insurance.
  • Liability coverage is cheap – The liability section of your policy will protect you when you are found to be at fault for causing damage or personal injury in an accident. It provides for a legal defense which can be incredibly expensive. Liability insurance is quite affordable compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Safer cars cost less to insure – Cars with high safety ratings get lower rates. Safer cars result in less severe injuries and better occupant protection means lower claim amounts and more competitive rates for policyholders. If your Suzuki Samurai scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.

Don’t listen to company ads

Consumers get pounded daily by advertisements for the lowest price auto insurance from companies such as State Farm, Allstate and Geico. They all have a common claim that you can save if you change your policy.

How does each company make almost identical claims?

All the different companies can use profiling for the type of customer that earns them a profit. An example of a desirable insured could possibly be between 30 and 50, has no prior claims, and drives newer vehicles. A customer getting a price quote that hits that “sweet spot” will get very good rates and most likely will save when they switch companies.

Drivers who don’t qualify for the requirements will have to pay a higher premium which leads to the driver buying from a lower-cost company. The ad wording is “customers who switch” not “everyone that quotes” save that kind of money. That’s the way insurance companies can state the savings. Because of the profiling, you should get as many quotes as possible. You cannot predict the company that will have the lowest Suzuki Samurai insurance rates.

Car insurance 101

Knowing the specifics of a auto insurance policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Suzuki Samurai.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Collision coverages – Collision coverage will pay to fix damage to your Samurai resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with another moving vehicle, sustaining damage from a pot hole and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability car insurance – Liability insurance provides protection from injuries or damage you cause to other people or property that is your fault. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for claims such as emergency aid, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverages – This pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hail damage, fire damage, damage from flooding, damage from getting keyed and falling objects. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for expenses such as surgery, funeral costs and X-ray expenses. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Do the work, save more money

As you prepare to switch companies, do not reduce needed coverages to save money. In many instances, drivers have reduced collision coverage and found out when filing a claim that it was a big error on their part. Your strategy should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

We just showed you quite a bit of information on how to shop for 1994 Suzuki Samurai insurance online. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. You may be surprised to find that the best price on insurance coverage is with some of the lesser-known companies.

Insureds switch companies for a variety of reasons including an unsatisfactory settlement offer, delays in paying claims, being labeled a high risk driver and policy non-renewal. Whatever your reason, choosing a new insurance company can be less work than you think.

Additional insurance coverage information can be read at these links: