Compare 1996 Suzuki Esteem Car Insurance Rates

Trying to find the cheapest insurance rates for your Suzuki Esteem? Are you sick and tired of being strong-armed to insure your Suzuki every month? Your situation is no different than the majority of other car owners.

Many car insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurance companies and get the definite best rates possible.

How to Buy Insurance Online

There are a lot of ways to compare insurance prices but some are less time-consuming than others. You can waste a lot of time driving to insurance companies in your area, or you can utilize the internet to get the quickest rates.

Many popular insurance companies are enrolled in a marketplace where insurance shoppers enter their policy data once, and each participating company then gives them pricing for coverage. This system prevents you from having to do quote requests to each company.

To compare 1996 Suzuki Esteem rates now click here to start a free quote.

The only downside to using this type of system is you are unable to specify which providers to get quotes from. If you would rather choose specific insurance companies to receive pricing from, we have assembled a list of low cost insurance companies in your area. View list of insurance companies.

Whichever method you choose, be sure to compare exactly the same coverages for each comparison quote. If you compare different liability limits you will not be able to make an equal comparison. Quoting even small variations in limits may cause a big price difference. And when quoting insurance, remember that more quotes helps locate a lower rate.

Do you qualify for discounts?

The price of auto insurance can be rather high, but there could be available discounts that many people don’t even know exist. A few discounts will automatically apply at quote time, but lesser-known reductions have to be inquired about in order for you to get them.

  • Auto/Life Discount – Some companies give a break if you buy a life insurance policy as well.
  • Drivers Education – Require your teen driver to enroll in driver’s education if offered at their school.
  • Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Homeowners Savings – Simply owning a home may earn you a small savings because maintaining a house shows financial diligence.
  • New Vehicle Savings – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.

Drivers should understand that some credits don’t apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, companies don’t profit that way. But any discount will help reduce the cost of coverage.

To see a list of providers with the best insurance discounts, click here to view.

Suzuki Esteem rates are in the details

Smart consumers have a good feel for the rating factors that go into determining your auto insurance rates. Knowing what impacts premium levels enables informed choices that may reward you with big savings.

Listed below are some of the factors auto insurance companies consider when setting rates.

  • Your job and insurance rates – Jobs such as doctors, social workers and dentists have the highest average rates in part from high stress levels and lengthy work days. Other occupations such as scientists, historians and the unemployed get better rates on Esteem coverage.
  • More than one policy can earn a discount – Many companies will give a discount to policyholders who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, you may still want to comparison shop to verify if the discount is saving money.
  • Theft deterrents lower rates – Driving a car with an alarm system can get you a discount on your auto insurance. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
  • Where do you drive? – The more you drive in a year the more you will pay for auto insurance. Most insurance companies rate vehicles determined by how the vehicle is used. Vehicles not used for work or commuting can get a lower rate compared to those used for work or business. Having the wrong rating on your Esteem can result in significantly higher rates. Ask your agent if your auto insurance policy properly reflects the correct driver usage, because it can save money.
  • Where you live – Living in small towns and rural areas has it’s advantages when buying auto insurance. Drivers in populated areas have congested traffic and longer commutes to work. Less people living in that area means a lower chance of having an accident and a lower car theft rate.
  • Poor credit can mean higher rates – Having a bad credit score is a big factor in determining what you pay for auto insurance. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have poor credit. So if your credit rating is low, you could be paying less to insure your 1996 Suzuki Esteem by repairing your credit.
  • Being married can save on auto insurance – Getting married helps lower the price on your auto insurance policy. Having a significant other usually means you are more mature than a single person and it’s proven that being married results in fewer claims.
  • Men are more aggressive – The statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that women are better drivers. Women and men have accidents at about the same rate, but the men cause more damage. Men also statistically get more serious tickets such as reckless driving. Youthful male drivers are several times more likely to be in an accident and are penalized with high auto insurance rates.

Don’t assume everyone needs the same coverage

When it comes to buying proper insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Every situation is different and your policy should reflect that. These are some specific questions might help in determining whether you might need an agent’s assistance.

  • Can I drive in Mexico and have coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • Should I buy full coverage?
  • Am I missing any policy discounts?
  • Does my insurance cover a custom paint job?
  • What is the difference between comprehensive and collision coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • When should I not file a claim?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Insurance coverage myths debunked

State Farm, Allstate and GEICO constantly bombard you with ads on TV and radio. All the companies make the same claim about savings if you switch to their company. But how can every company make almost identical claims? It’s all in the numbers.

Insurance companies are able to cherry pick for the type of driver they prefer to insure. An example of a driver they prefer might be between the ages of 30 and 50, has no tickets, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications will get very good rates and is almost guaranteed to cut their rates substantially.

Potential insureds who are not a match for these standards will have to pay higher premiums which leads to business going elsewhere. The ads say “customers that switch” but not “drivers who get quotes” save that much. That’s why companies can truthfully claim big savings.

Because of the profiling, you need to quote coverage with many companies. It’s impossible to know which insurance companies will give you the biggest savings on Suzuki Esteem insurance.

The coverage is in the details

Having a good grasp of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are typical coverage types offered by insurance companies.


Liability insurance can cover injuries or damage you cause to a person or their property in an accident. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Occasionally you may see a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as emergency aid, medical expenses, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Coverage for collisions

This coverage pays for damage to your Esteem caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as scraping a guard rail, damaging your car on a curb and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses 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, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like chiropractic care, nursing services, rehabilitation expenses, EMT expenses and funeral costs. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, a tree branch falling on your vehicle, hail damage and theft. The most a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

More choices the merrier

We’ve covered many tips how you can lower your 1996 Suzuki Esteem insurance rates. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding lower rates. You may even find the best prices are with a company that doesn’t do a lot of advertising. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as GEICO and State Farm.

When trying to cut insurance costs, it’s a bad idea to buy poor coverage just to save money. Too many times, an insured cut liability limits or collision coverage to discover at claim time that they should have had better coverage. Your focus should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

Cheaper insurance is attainable online in addition to many insurance agents, so compare prices from both to have the best selection. Some auto insurance companies do not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

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