How Much Does 2003 Isuzu Ascender Insurance Cost?

Trying to find better car insurance rates for your Isuzu Ascender? Having to pay for overpriced car insurance can dwindle your personal savings and make it impossible to make ends meet. Comparing price quotes is a smart way to cut your insurance bill.

Big companies like Progressive, State Farm and GEICO all promote huge savings with advertising and it is challenging if not impossible to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

If you currently have a car insurance policy, you should be able to reduce your rates substantially using this information. Finding affordable coverage is not rocket science. But consumers should learn how big insurance companies market on the web because it can help you find the best coverage.

Discounts to lower Isuzu Ascender insurance rates

Companies do not advertise every available discount in an easy-to-find place, so the following is a list of both the well known and the more hidden savings tricks you should be using.

  • Paperwork-free – A handful of insurance companies may give you up to $50 simply for signing on their website.
  • Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • Accident Waiver – Certain companies allow you one accident before your rates go up so long as you haven’t had any claims for a certain period of time.
  • Accident Free – Claim-free drivers pay much less compared to accident-prone drivers.
  • Discount for Swiching Early – Some companies give discounts for signing up before your current expiration date. The savings is around 10%.
  • Bundle and Save – When you combine your home and auto insurance with the same insurance company you could get a discount of 10% to 20% off each policy.

Keep in mind that most credits do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

For a list of providers with discount auto insurance rates, click here.

How to Lower Your Auto Insurance Cost

Effectively comparing auto insurance prices can take hours if you don’t know the most efficient way to do it. You could spend the better part of a day discussing policy coverages with insurance agencies in your area, or you could save time and use the internet to achieve your goal.

Many of the larger companies take part in a program where prospective buyers only type in their quote data once, and each company can provide price quotes based on that information. This saves time by eliminating quotation requests to each company.

To participate in this free quote system, click here (opens in new window).

One minor caviat to using this type of form is you can’t choose the companies to receive prices from. If you wish to select from a list of companies to compare prices, we have a listing of low cost auto insurance companies in your area. View list of insurance companies.

Whichever way you use, ensure you are comparing the exact same coverage limits and deductibles with every price quote. If each company quotes unequal deductibles or liability limits you will not be able to decipher which rate is best. Quoting even small variations in insurance coverages may result in a large different in cost. Just remember that having more price comparisons will improve the odds of getting the best offered rates.

Why your Isuzu Ascender insurance rates may be high

Smart consumers have a good feel for the different types of things that play a part in calculating the rates you pay for auto insurance. Understanding what controls the rates you pay empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

  • Bump up deductibles to save – Physical damage deductibles represent how much money you are willing to pay out-of-pocket if you file a covered claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of claims that would be covered are colliding with a building, damage from fire, and windstorm damage. The more money the insured has to pay upfront, the less your auto insurance will be for Ascender coverage.
  • Older drivers save more – Older insureds tend to be more responsible, file fewer claims and receive fewer citations. Teen drivers are statistically proven to be more careless when behind the wheel and because of this, their auto insurance rates are much higher.
  • Safer cars cost less to insure – Vehicles with high crash test scores tend to have better insurance rates. Safer cars protect occupants better and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Isuzu earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Careful drivers pay lower rates – Whether or not you get tickets impacts your car insurance rates tremendously. Careful drivers get better rates than their less careful counterparts. Just one moving violation can boost insurance rates by twenty percent. Drivers with dangerous tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.
  • Frequent auto insurance claims increase rates – If you frequently file small claims, you can pretty much guarantee higher rates. Auto insurance companies give lower rates to policyholders who are claim-free. Insurance coverage is meant to be used in the event of the large, substantial claims.
  • Your occupation can affect rates – Did you know your occupation can influence how much you pay for auto insurance? Occupations like judges, architects and accountants tend to have higher rates than average because of job stress and long work days. On the flip side, jobs such as pilots, athletes and homemakers receive lower rates for Ascender coverage.

Tailor your coverage to you

When choosing the right insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s needs are different and your policy should reflect that. These are some specific questions can help discover if you would benefit from an agent’s advice.

  • Do I get a pro-rated refund if I cancel my policy early?
  • If my pet gets injured in an accident are they covered?
  • Am I covered if I break a side mirror?
  • Is a new car covered when I drive it off the dealer lot?
  • Can I drive in Mexico and have coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my car insurance cover rental cars?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Car insurance coverages for an Isuzu Ascender

Having a good grasp of your car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types found on most car insurance policies.

Coverage for collisions

Collision coverage covers damage to your Ascender caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like driving through your garage door, crashing into a ditch, backing into a parked car, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Coverage for liability

Liability coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as court costs, medical services, legal defense fees and medical expenses. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for short-term medical expenses such as prosthetic devices, chiropractic care, dental work, ambulance fees and nursing services. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Comprehensive auto coverage

This covers 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 things like a tree branch falling on your vehicle, damage from a tornado or hurricane, hail damage, damage from flooding and vandalism. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers 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 Ascender.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

One last thing

Discount 2003 Isuzu Ascender insurance can be bought online and also from your neighborhood agents, so you should compare both to have the best selection. There are still a few companies who may not provide online price quotes and these small insurance companies work with independent agents.

We just presented some good ideas how to lower your insurance rates. The key concept to understand is the more you quote, the better likelihood of reducing your rate. You may be surprised to find that the most savings is with the smaller companies. They can often insure niche markets at a lower cost compared to the large companies like State Farm or Progressive.

More detailed insurance information can be read by following these links: