Cheap 1998 Isuzu Oasis Insurance Cost

Shopping for cheap car insurance on the internet can seem to be somewhat difficult for people who are new to buying insurance on the web. When there are so many choices, how can anyone effectively compare the different rates to find the lowest price available?

Smart consumers take time to take a look at other company’s rates at least once a year because rates are usually higher with each renewal. Even if you got the best deal for Oasis insurance on your last policy a different company probably has better rates today. Starting now, forget all the misinformation about car insurance because it’s time to teach you the fastest and easiest way to properly buy coverages and cut your premium.

Save on Isuzu Oasis insurance

Car insurance is not cheap, but discounts can save money and there are some available that can drop the cost substantially. Larger premium reductions will be automatically applied at quote time, but less common discounts must be manually applied prior to getting the savings.

  • Auto/Life Discount – Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Paperwork-free – Some insurance companies may give you up to $50 for buying your policy on their website.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.
  • Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • No Charge for an Accident – A handful of insurance companies permit an accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
  • Claim Free – Drivers with accident-free driving histories can save substantially when compared with accident-prone drivers.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Isuzu could qualify for better rates on cars that stay parked.

Keep in mind that some of the credits will not apply to the entire cost. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, you won’t be that lucky. But all discounts will help reduce the cost of coverage.

Insurance companies that may have these discounts may include but are not limited to:

Double check with each insurance company which discounts you may be entitled to. Some discounts may not apply in your area.

Factors that can influence Isuzu Oasis insurance rates

Smart consumers have a good feel for the different types of things that come into play when calculating the rates you pay for insurance. When you know what positively or negatively influences your rates enables informed choices that may reward you with lower insurance prices.

The list below includes some of the items insurance companies consider when setting rates.

  • Your credit rating is important – Credit rating is a important factor in determining your rates. Consumers who have high credit scores tend to be less risk to insure than drivers who have lower ratings. If your credit rating can use some improvement, you could be paying less to insure your 1998 Isuzu Oasis by improving your credit score.
  • What are your deductibles? – Physical damage insurance, also known as collision and other-than-collision, protects your Isuzu from damage. Examples of covered claims are collision with another vehicle, vandalism, and windstorm damage. Deductibles for physical damage are the amount of money you are required to spend before a claim is paid by your company. The higher the amount you’re willing to pay, the lower your rates will be for Oasis insurance.
  • Your car’s features help determine rates – Driving a car with a theft deterrent system can get you a discount on your insurance. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your vehicle from being stolen.
  • Proper usage rating affects rates – Driving more miles each year the more you will pay for insurance. Most insurance companies charge to insure your cars based on how the vehicle is used. Cars and trucks used primarily for pleasure use receive lower rates than those used for commuting. Improper usage on your Oasis can result in significantly higher rates. Double check that your insurance coverage shows the proper vehicle usage, because improper ratings can cost you money.
  • Liability coverage is cheap – Liability insurance is the protection if a jury decides you are liable for damages caused by your negligence. Liability provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.
  • Do you need those extra coverages? – There are a lot of extra coverages that you can get tricked into buying on your insurance policy. Things like personal injury protection, accidental death and motor club memberships are examples of these. They may seem like a good idea initially, but if you don’t need them remove them from your policy.

Tailor your coverage to you

When buying the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Each situation is unique.

These are some specific questions may help you determine whether or not you will benefit from professional help.

  • Are rock chip repairs covered?
  • Is my trailer covered?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my cargo covered for damage or theft?
  • How do I buy GAP insurance?
  • Am I covered by my spouse’s policy after a separation?
  • Does my medical payments coverage pay my health insurance deductible?
  • Am I covered when driving a rental car?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form.

Insurance coverages 101

Understanding the coverages of your insurance policy helps when choosing which coverages you need for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Collision coverage

Collision coverage pays for damage to your Oasis resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like crashing into a building, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Uninsured or underinsured coverage

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. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Isuzu Oasis.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Usually the UM/UIM limits do not exceed the liability coverage limits.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for expenses such as pain medications, funeral costs, rehabilitation expenses, dental work and ambulance fees. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Coverage for liability

This can cover damage that occurs to people or other property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like repair costs for stationary objects, legal defense fees, medical services, repair bills for other people’s vehicles and court costs. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive protection

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from getting keyed, falling objects and hail damage. The maximum amount 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 probably time to drop comprehensive insurance.

Be a Smart Shopper

Drivers change insurance companies for any number of reasons including lack of trust in their agent, unfair underwriting practices, questionable increases in premium or even poor customer service. Whatever your reason, finding a new insurance coverage company can be less work than you think.

Cheap 1998 Isuzu Oasis insurance can be bought on the web as well as from independent agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who don’t offer online quoting and many times these small, regional companies only sell through independent insurance agents.

When you buy insurance online, it’s not a good idea to sacrifice coverage to reduce premiums. In too many instances, drivers have reduced full coverage and discovered at claim time that the savings was not a smart move. Your goal should be to buy enough coverage at an affordable rate, not the least amount of coverage.

Additional insurance coverage information can be read at these links: