1992 Suzuki Samurai Insurance Rates – 6 Policy Discounts

Confused by the dozens of auto insurance companies? You’re not the only one! People have so many options that it can easily become a ton of work to find the perfect company for you.

More discounts equal less premium

The cost of insuring your cars can be expensive, but you can get discounts that you may not know about. A few discounts will automatically apply at the time of purchase, but some must be asked for in order for you to get them.

  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more for Samurai coverage than their less cautious counterparts.
  • Homeowners Discount – Being a homeowner may trigger a insurance policy discount because maintaining a house shows financial diligence.
  • Paperwork-free – Certain companies may give you up to $50 for buying a policy and signing up digitally online.
  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off for Samurai coverage with select insurance companies.
  • Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premiums.
  • Accident Waiver – A few companies will forgive one accident before raising your premiums as long as you don’t have any claims for a certain period of time.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, insurance companies aren’t that generous. Any qualifying discounts will bring down your premiums.

A partial list of companies that may offer some of the above discounts include:

Check with all companies you are considering what discounts are available to you. All car insurance discounts might not be offered everywhere.

It’s not one size fits all

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique.

For example, these questions may help highlight if your insurance needs will benefit from professional help.

  • Should I get collision insurance on every vehicle?
  • Is my custom paint covered by insurance?
  • Does my 1992 Suzuki Samurai qualify for pleasure use?
  • What should my uninsured motorist coverage limits be in my state?
  • What if I total my 1992 Suzuki Samurai and owe more than it’s worth?
  • Why am I required to buy high-risk coverage?
  • Is my trailer covered?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form.

Insurance policy specifics

Understanding the coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hail damage, hitting a bird and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.

Collision – Collision coverage will pay to fix damage to your Samurai from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as crashing into a building, hitting a parking meter, sideswiping another vehicle, crashing into a ditch and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for nursing services, rehabilitation expenses, chiropractic care, hospital visits and X-ray expenses. They are utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance – This coverage will cover damage or injury you incur to people or other property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like emergency aid, repair bills for other people’s vehicles and medical services. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Don’t break the bank

When shopping online for insurance coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced physical damage coverage and learned later that it was a big error on their part. Your focus should be to find the BEST coverage at the best price.

Budget-conscious 1992 Suzuki Samurai insurance is definitely available from both online companies and with local insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance coverage companies do not offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

You just read a lot of information how to save on insurance. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Consumers may even find the most savings is with a lesser-known regional company.

More learning opportunities