How Much Does 2002 Suzuki Esteem Insurance Cost?

Confused by the wide range of insurance companies? Lot’s of other consumers are too. You have so many options available that it can easily become a real hassle to locate the lowest price.

Consumers need to get comparison quotes once or twice a year because rates fluctuate regularly. Even if you got the lowest rates on Esteem insurance last year you can probably find a lower rate today. So just block out anything you think you know about insurance because it’s time to teach you the right way to save money, get proper coverage and the best rates.

If you currently have a car insurance policy, you will be able to save some money using this strategy. Pricing affordable auto insurance coverage is not that difficult. But vehicle owners benefit from understanding the methods companies use to compete online because it can help you find the best coverage.

These factors can influence Suzuki Esteem insurance rates

It’s important that you understand the different types of things that help determine the rates you pay for car insurance. When you know what positively or negatively influences your rates allows you to make educated decisions that will entitle you to lower car insurance prices.

  • Drive a safer car and pay less – Cars with high safety ratings get lower rates. These vehicles reduce injuries and any reduction in injury severity means less money paid by your insurance company passed on to you as lower rates. If your Suzuki Esteem is rated at least four stars on or an “acceptable” rating on you may qualify for a discount.
  • You might want pay the small claims yourself – If you file claims often, you can expect either policy cancellation or increased premiums. Auto insurance companies provide better rates to insureds who file claims infrequently. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Don’t sacrifice liability coverage – Liability insurance is the coverage that protects you if you are found 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 drivers should carry high limits.
  • Pleasure use saves money – The more you drive every year the more you will pay for car insurance. Almost all companies rate vehicles based upon how you use the vehicle. Cars not used for work or commuting can get a lower rate compared to those used for work or business. Improper usage on your Esteem may be wasting your money. Ask your agent if your car insurance policy properly reflects the correct driver usage, because it can save money.
  • What are your deductibles? – Deductibles for physical damage define the amount you are willing to pay in the event of a claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some instances where coverage would apply are running into the backend of another car, collision with an animal, and rolling your vehicle. The more you are required to pay out-of-pocket, the bigger discount you will receive on Esteem insurance.
  • Being married can save on car insurance – Having a spouse helps lower the price on car insurance. Having a significant other usually means you are more mature and it’s statistically proven that married drivers get in fewer accidents.
  • Traffic violations increase rates – Your driving record impacts your car insurance rates tremendously. Even a single citation can increase rates by twenty percent. Good drivers tend to pay less for car insurance than their less careful counterparts. Drivers who get dangerous violations like DWI, reckless driving or hit and run convictions may be required to file a SR-22 with their state DMV in order to prevent a license revocation.
  • Policy add-ons can waste money – There are a ton of extra coverages that you can get tricked into buying if you aren’t careful. Insurance for personal injury protection, accidental death and additional equipment coverage may be costing you every month. They may seem like a good idea when talking to your agent, but now you might not need them so eliminate the coverages to reduce your premium.

Don’t overlook these discounts

Companies offering auto insurance don’t always list every available discount in a way that’s easy to find, so we took the time to find some of the more common and the harder-to-find discounts you could be receiving.

  • Senior Discount – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums on Esteem insurance.
  • Accident Forgiveness – Some insurance companies permit an accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
  • Paperless Signup – A handful of insurance companies will discount your bill up to fifty bucks simply for signing over the internet.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Discount for New Cars – Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
  • Driver’s Ed – Require your teen driver to take driver’s ed class if it’s offered in school.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same insurance company you may save at least 10% off all policies.
  • Memberships – Affiliation with a qualifying organization may earn a discount when shopping for auto insurance on Esteem insurance.

Drivers should understand that some of the credits will not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like having all the discounts means you get insurance for free, it just doesn’t work that way.

Companies who might offer some of the above discounts are:

Check with each company how you can save money. All car insurance discounts might not apply in your state.

Is my situation unique?

When buying the right insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions might point out if your situation could use an agent’s help.

  • Do I really need UM/UIM coverage?
  • If my 2002 Suzuki Esteem is totaled, can I afford another vehicle?
  • Am I covered when pulling a rental trailer?
  • Which companies will insure high-risk drivers?
  • When would I need additional glass coverage?
  • Does my personal policy cover me when driving out-of-state?
  • What vehicles should carry emergency assistance coverage?
  • When can my company non-renew my policy?
  • Does liability extend to a camper or trailer?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form.

Insurance coverage considerations

Having a good grasp of insurance aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like pain medications, hospital visits and prosthetic devices. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Auto liability – This protects you from damages or injuries you inflict on other people or property by causing an accident. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as medical expenses, court costs, emergency aid, bail bonds and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance – This covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as hail damage, damage from getting keyed, theft and fire damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage – Collision insurance will pay to fix damage to your Esteem resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like damaging your car on a curb, sideswiping another vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Suzuki Esteem.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

What is YOUR best insurance company?

Consumers change insurance companies for any number of reasons including denial of a claim, questionable increases in premium, poor customer service or even being labeled a high risk driver. Regardless of your reason, choosing a new company can be easier than you think.

In this article, we presented a lot of tips how to get a better price on 2002 Suzuki Esteem insurance. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates come from a company that doesn’t do a lot of advertising.

When buying insurance coverage, don’t be tempted to sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced collision coverage only to regret that it was a big error on their part. Your focus should be to buy the best coverage you can find at an affordable rate.

Additional detailed information can be found in the articles below: