Compare 2002 Suzuki Esteem Insurance Quotes

Are you tired of not being able to afford to pay your car insurance bill each month? You are in the same boat as millions of other consumers. Lots of insurers contend for your hard-earned dollar, so it’s not easy to compare every company to discover the definitive lowest price

If you are insured now or are looking for a new policy, you can use this information to cut your premiums and possibly find even better coverage. Buying car insurance is quite easy. Vehicle owners just need to understand the most efficient way to shop for car insurance on the web.

The fastest way that we advise to compare car insurance company rates is to take advantage of the fact auto insurance companies participate in online systems to quote your coverage. All consumers are required to do is provide details such as daily mileage, if a SR-22 is needed, if it has an alarm system, and if you lease or own. Your insurance information is instantly sent to insurance carriers in your area and you will get price comparisons with very little delay.

To start a quote now, click here and enter the information requested.

More discounts equal less premium

Companies don’t necessarily list every discount in an easy-to-find place, so we researched some of the more common and the more hidden ways to save on auto insurance. If they aren’t giving you every credit available, you are paying more than you should be.

  • Life Insurance – Larger companies have a break if you buy a life insurance policy as well.
  • Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
  • Drivers Ed for Students – Require your teen driver to take driver’s ed class if offered at their school.
  • Accident Free – Claim-free drivers pay much less compared to bad drivers.
  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more for Esteem coverage than less cautious drivers.
  • Multiple Cars – Buying coverage for all your vehicles with the same company can get a discount on all vehicles.
  • Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
  • Fewer Miles Equal More Savings – Driving fewer miles can qualify you for better rates on cars that stay parked.
  • No Charge for an Accident – Certain companies permit an accident before your rates go up if your claims history is clear for a set time period.

Keep in mind that some of the credits will not apply to the entire cost. Most only apply to individual premiums such as liability, collision or medical payments. Just because it seems like you can get free auto insurance, companies wouldn’t make money that way.

To see a list of insurance companies with the best auto insurance discounts, click here.

Complexity of Suzuki Esteem insurance rates

Consumers need to have an understanding of the different types of things that come into play when calculating insurance rates. Understanding what impacts premium levels allows you to make educated decisions that could result in big savings.

  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores get lower rates. These vehicles reduce injuries and better occupant protection means less money paid by your insurance company and more competitive rates for policyholders. If your Suzuki is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Extra add-on coverages are wasting money – There are many add-on coverages that can waste your money if you aren’t careful. Things like personal injury protection, accident forgiveness and motor club memberships may be wasting your money. They may seem good when you first buy your policy, but if you don’t need them remove them from your policy.
  • Men fork out a little more – The statistics show women tend to be less risk to insure than men. Now that doesn’t mean men are worse drivers. They both have accidents in similar numbers, but the men tend to have more serious accidents. Men also statistically get more serious tickets like reckless driving and DUI.
  • Liability insurance protects assets – Your policy’s liability coverage will protect you if ever you are found to be at fault for causing damage or personal injury in an accident. It provides you with a defense in court starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so do not skimp.
  • Never let your coverage lapse – Letting your insurance expire will be a quick way to bump up your insurance costs. Not only will you pay more, but not being able to provide proof of insurance may earn you a license revocation or jail time.
  • Being married can save on insurance – Getting married can actually save you money when buying insurance. Having a significant other means you’re more mature and it’s proven that drivers who are married are more cautious.
  • Bundling policies can get discounts – Many insurers provide better rates to insureds who buy several policies from them such as combining an auto and homeowners policy. Discounts can amount to five, ten or even twenty percent. If you currently are using one company, it’s in your best interest to compare other company rates to make sure you are getting the best deal.

It’s not one size fits all

When choosing the right insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that might point out whether you may require specific advice.

  • Why do I only qualify for high-risk insurance?
  • What is an SR-22 filing?
  • Does medical payments coverage apply to all occupants?
  • If my 2002 Suzuki Esteem is totaled, can I afford another vehicle?
  • Can I drive in Mexico and have coverage?
  • Who is covered when they drive my 2002 Suzuki Esteem?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What is UM/UIM insurance?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Specific coverages for a Suzuki Esteem

Understanding the coverages of your insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by insurance companies.

Comprehensive (Other than Collision)

This covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from getting keyed, damage from flooding and vandalism. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability insurance

This will cover damage or injury you incur to people or other property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like emergency aid, medical services and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Protection from uninsured/underinsured drivers

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Collision coverage

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as scraping a guard rail, driving through your garage door, rolling your car, crashing into a ditch and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like hospital visits, dental work, nursing services and pain medications. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Buy Smart and Save

As you shop your coverage around, it’s not a good idea to buy less coverage just to save a little money. In too many instances, an insured dropped full coverage and learned later that the savings was not a smart move. The proper strategy is to purchase plenty of coverage at an affordable rate.

We just presented many ideas to compare 2002 Suzuki Esteem insurance prices online. It’s most important to understand that the more times you quote, the better your comparison will be. You may even discover the lowest premiums are with a small mutual company. They can often insure niche markets at a lower cost than their larger competitors like State Farm, Geico and Nationwide.

Additional insurance coverage information can be read at the links below