1991 Suzuki Samurai Insurance Quotes

Finding better rates for car insurance can be challenging for people who are new to buying insurance online. There are so many options available that it can be a real challenge to compare prices.

Auto Insurance Quote Comparison

Performing a rate comparison is a ton of work if you don’t know the most efficient way to do it. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you could use the internet to get rates in a matter of minutes.

All the larger companies participate in an industry program that allows shoppers to enter their coverage request one time, and at least one company then returns a price quote. This eliminates the need for quote forms for each company you want a rate for.

To compare 1991 Suzuki Samurai rates now click to open in new window.

The one downside to pricing coverage this way is you can’t choose the companies you want pricing from. If you prefer to choose specific providers to receive pricing from, we have assembled a list of low cost auto insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but make absolute certain that you use exactly the same coverage limits and deductibles with each company. If you use different deductibles it will be impossible to determine the best price for your Suzuki Samurai. Quoting even small variations in insurance coverages can result in a big premium difference. Just keep in mind that more quotes will improve the odds of getting better pricing.

Tailor your coverage to you

When it comes to buying coverage, there really is not a best way to insure your cars. Every insured’s situation is different.

For instance, these questions can aid in determining whether your personal situation will benefit from professional help.

• Does my 1991 Suzuki Samurai qualify for pleasure use?
• Does car insurance cover theft of personal property?
• Am I covered when pulling a rental trailer?
• Do I need medical payments coverage since I have good health insurance?
• Does coverage extend to a rental car in a foreign country?
• Should I have a commercial auto policy?

If you can’t answer these questions, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form.

Educate yourself about car insurance coverages

Learning about specific coverages of your car insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Medical expense insurance

Med pay and PIP coverage provide coverage for immediate expenses for funeral costs, ambulance fees and dental work. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision coverage will pay to fix damage to your Samurai resulting from colliding 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 pays for things such as sustaining damage from a pot hole, damaging your car on a curb, rolling your car and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, theft, vandalism and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle 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.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Auto liability insurance

Liability insurance protects you from damage or injury you incur to other people or property. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

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

Liability coverage protects against claims like medical expenses, medical services and emergency aid. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.