1996 Suzuki X-90 Insurance Quotes

Trying to find lower car insurance rates for your Suzuki X-90? Feel like you’re a prisoner to overpriced car insurance? Believe me, you’re not the only one. Because there are so many choices, it’s nearly impossible to pick the most affordable company.

Finding affordable coverage is not that difficult. If you have car insurance now, you will be able to cut costs considerably using these methods. Drivers only need an understanding of the best way to shop online.

You probably qualify for some discounts

Companies that sell car insurance do not advertise every discount very well, so here is a list both well-publicized as well as the least known discounts you could be receiving. If you don’t get every credit you qualify for, you are throwing money away.

Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% for X-90 coverage with certain companies.
Discount for Good Grades – Getting good grades can get you a discount of up to 25%. The good student discount can last up to age 25.
Service Members Pay Less – Having a family member in the military can result in better rates.
Claim Free – Claim-free drivers can save substantially when compared with drivers who are more careless.
Life Insurance Discount – Companies who offer life insurance give lower rates if you buy life insurance.
Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
Fewer Miles Equal More Savings – Fewer annual miles on your Suzuki could qualify for lower rates on the low mileage vehicles.
Multiple Vehicles – Buying insurance for multiple vehicles with the same company qualifies for this discount.
Multiple Policy Discount – When you combine your home and auto insurance with the same insurance company you will save up to 20% off your total premium.

It’s important to understand that most credits do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, companies wouldn’t make money that way.

For a list of companies with discount auto insurance rates, follow this link.

How to Get Car Insurance Comparison Quotes

There are several ways to shop for Suzuki X-90 car insurance, but one way is easier and takes less work. You could waste time discussing policy coverages with insurance agencies in your area, or you can stay home and use online quoting to get pricing more quickly.

Many of the larger companies participate in an industry program where prospective buyers only type in their quote data once, and at least one company can give them a price for coverage. This prevents consumers from doing quotation requests for each company you want a rate for. To compare pricing click here (opens in new window).

The one downside to comparing rates this way is that consumers can’t choose which carriers you will receive quotes from. So if you want to choose specific providers to compare prices, we have a page of companies who write car insurance in your area. View list of insurance companies.

It’s your choice how you get your quotes, but be sure to compare apples-to-apples coverage limits and deductibles with every price quote. If you have different limits and deductibles on each one it will be impossible to truly determine the lowest rate.

There’s no such thing as the perfect policy

When it comes to choosing coverage for your personal vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions can help discover if your situation will benefit from professional help.

Is my camper covered by my car insurance policy?
Is business equipment covered while in my vehicle?
Why do I need rental car insurance?
Is extra glass coverage worth it?
How high should deductibles be on a 1996 Suzuki X-90?
Is my trailer covered?
I have a DUI can I still get coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Insurance coverages and their meanings

Learning about specific coverages of your insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages found on most insurance policies.

Collision – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like rolling your car, crashing into a building, scraping a guard rail and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Suzuki X-90.

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

Comprehensive coverage (or Other than Collision) – This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like falling objects, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Insurance for medical payments – Med pay and PIP coverage reimburse you for expenses like funeral costs, chiropractic care, pain medications and nursing services. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for liability – This coverage provides protection from damage or injury you incur to a person or their property. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like funeral expenses, medical services, loss of income and bail bonds. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Be a penny pincher

As you shop your coverage around, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice uninsured motorist or liability limits only to find out that the savings was not a smart move. The proper strategy is to get the best coverage possible at an affordable rate.

Budget-conscious 1996 Suzuki X-90 insurance can be found on the web and with local insurance agents, so compare prices from both to have the best rate selection. Some companies do not offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.