1999 Suzuki Esteem Insurance Quotes

Overpriced Suzuki Esteem insurance can take a big chunk out of your savings account and force you to make sacrifices. Shopping your coverage around is free and is an excellent way to cut your insurance bill.

Drivers have multiple car insurance companies to pick from, and although it’s nice to be able to choose, so many choices can make it hard to locate the cheapest rates.

It’s a good idea to shop coverage around at least once a year because rates are constantly changing. Just because you found the lowest price for Esteem coverage a few years ago you can probably find a lower rate today. There is a lot of bad advice regarding insurance coverage on the web, but I’m going to show you a bunch of ideas how to quit paying high insurance coverage rates.

Why you might be paying too much to insure your Suzuki Esteem

It’s important that you understand the rating factors that play a part in calculating the rates you pay for auto insurance. Knowing what determines base rates enables informed choices that can help you get big savings.

  • More than one policy can earn a discount – Some auto insurance companies will award you with lower prices to policyholders who buy several policies from them such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. Even with this discount, you still need to compare rates to ensure the best deal.
  • Lower deductibles cost more – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Suzuki. Some instances where coverage would apply are colliding with a building, damage from fire, or theft. Your deductibles are how much you are willing to pay before a claim is paid by your company. The higher the amount you are required to pay out-of-pocket, the bigger discount you will receive for Esteem coverage.
  • Do you have a high stress job? – Did you know your occupation can influence how much you pay for auto insurance? Jobs such as judges, social workers and dentists are shown to have the highest average rates in part from high stress and lengthy work days. Other professions such as actors, historians and homemakers pay the least for Esteem coverage.
  • Males pay more for insurance – The statistics show that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. Men and women tend to get into accidents at about the same rate, but the males have costlier accidents. They also receive more costly citations like DUI and reckless driving. Teenage male drivers are most likely to cause an accident and are penalized with high auto insurance rates.
  • Pleasure use or commuting – The more you drive each year the more you’ll pay to insure your vehicle. Most insurance companies apply a rate based upon how you use the vehicle. Vehicles left parked in the garage qualify for better rates than vehicles that are driven to work every day. Make sure your auto insurance policy shows the correct driver usage. Incorrect usage on your Esteem can result in significantly higher rates.

Save money by taking advantage of these discounts

Auto insurance companies don’t list every discount very clearly, so we researched some of the more common and the more hidden car insurance savings.

  • Accident Waiver – Some insurance companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
  • Life Insurance Discount – Larger companies have a break if you buy a life insurance policy as well.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts can get savings of more than 20%.
  • 55 and Retired – Older drivers may be able to get a discount up to 10% for Esteem coverage.
  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. The discount lasts until age 25.
  • Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% for Esteem coverage with a few car insurance companies.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.

As a disclaimer on discounts, most discounts do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like it’s possible to get free car insurance, you won’t be that lucky.

Companies that possibly offer these discounts include:

Double check with each company what discounts are available to you. Savings may not apply in every state.

When should I use an insurance agent?

When buying the best insurance coverage for your personal vehicles, there really is no best way to insure your cars. Every insured’s situation is different so your insurance should reflect that For example, these questions might help in determining if your situation would benefit from professional advice.

  • How much liability insurance is required?
  • Where can I get insurance after a DUI in my state?
  • What happens if I owe more than my 1999 Suzuki Esteem is worth?
  • Does coverage extend to a rental car in a foreign country?
  • Do I need PIP coverage since I have good health insurance?
  • Do I really need UM/UIM coverage?
  • How much underlying liability do I need for an umbrella policy?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Detailed coverages of your insurance policy

Understanding the coverages of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages found on the average insurance policy.

Comprehensive coverage (or Other than Collision)

This will pay to fix 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 can pay for things such as hitting a bird, theft, hail damage, vandalism and damage from a tornado or hurricane. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability car insurance

This protects you from damage that occurs to other people or property in an accident. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like structural damage, legal defense fees, medical services and attorney fees. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Insurance for medical payments

Med pay and PIP coverage pay for short-term medical expenses like nursing services, dental work, prosthetic devices, X-ray expenses and surgery. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision insurance

This pays for damage to your Esteem from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as damaging your car on a curb, sustaining damage from a pot hole, rolling your car, backing into a parked car and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 1999 Suzuki Esteem.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Find Good Coverage for Less

The cheapest 1999 Suzuki Esteem insurance can be sourced online and with local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some companies do not offer online quoting and most of the time these small insurance companies sell through independent agents.

We’ve covered some good ideas how you can lower your insurance rates. The key concept to understand is the more providers you compare, the higher the chance of saving money. Drivers may discover the best prices are with the smaller companies. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm or Progressive.

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