Compare 1998 Isuzu Oasis Insurance Cost

Trying to find the cheapest insurance rates for your Isuzu Oasis? Sick and tired of being strong-armed to insure your Isuzu every month? You’re in the same situation as many other drivers.

There are many car insurance companies to pick from, and although it’s a good thing to have multiple companies, it can be more challenging to adequately compare rates.

Factors that might impact rates for an Isuzu Oasis

Smart consumers have a good feel for the rating factors that come into play when calculating your insurance coverage rates. Having a good understanding of what influences your rates helps enable you to make changes that may reward you with better insurance coverage rates.

  • Bump up deductibles to save – Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Isuzu. Some instances where coverage would apply could be a windshield shattered by a rock, vandalism, and burglary. Physical damage deductibles are how much you are required to spend out-of-pocket before a claim is paid by your company. The more expense you are required to pay out-of-pocket, the less your insurance coverage will be on Oasis coverage.
  • Little extras can really add up – There are a ton of additional coverages that you can buy on your insurance coverage policy. Coverages like personal injury protection, towing coverage and additional equipment coverage are some examples. They may seem like a good idea when talking to your agent, but now you might not need them so get rid of them and save.
  • Pleasure use or commuting – The higher the mileage driven in a year the higher your rates will be. Most insurance companies apply a rate based on how the vehicle is used. Vehicles that are left in the garage receive lower rates compared to those used for work or business. Improper usage on your Oasis can result in significantly higher rates. Verify your insurance coverage declarations sheet is rated on the correct usage for each vehicle, because improper ratings can cost you money.
  • An active claims history can cost you – If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Auto insurance companies award lower rates to insureds who are claim-free. Car insurance is intended for the large, substantial claims.
  • Your insurance coverage rates can be influenced by your job – Did you know that where you work can have an impact on rates? Jobs such as doctors, executives and dentists have the highest average rates attributed to job stress and lengthy work days. Other jobs such as pilots, historians and performers get better rates on Oasis coverage.
  • Never let your coverage lapse – Allowing your insurance coverage policy to lapse is a sure-fire way to pay more for insurance coverage. And not only will your rates increase, but not being able to provide proof of insurance might get you a revoked license or a big fine.
  • Rural vs Urban Areas – Living in less populated areas is a positive aspect when buying insurance coverage. Less people living in that area translates into fewer accidents as well as less vandalism and auto theft. Urban drivers tend to have more traffic problems and longer commutes to work. Longer commute distances means higher likelihood of an accident.
  • Protect your assets with liability insurance – Liability insurance is the protection if ever you are found liable for damages caused by your negligence. It provides for a legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.

Low Cost Car Insurance

There are several ways of comparing rate quotes and find the best price. The best method to find the cheapest 1998 Isuzu Oasis insurance rates involves getting comparison quotes online. This can be done in several different ways.

  1. The fastest way to get quotes is to use a rate comparison form click to view form in new window. This method prevents you from having to do separate quotation requests for each company. One form gets rate comparisons from many national carriers.
  2. A more difficult way to shop for car insurance online consists of going to each company’s website to complete a price quote. For sake of this example, let’s assume you want to compare rates from Farmers, Geico and American Family. You would have to take the time to go to each site and enter your information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.

Whichever way you use, be sure to compare exactly the same coverages and limits on every quote you get. If you have higher or lower deductibles then you won’t be able to truly determine the lowest rate. Having just a slight variation in limits may result in a large different in cost. Just remember that quoting more gives you a better chance of getting the best price.

Don’t miss these discounts

Insurance can be prohibitively expensive, but you may find discounts to cut the cost considerably. Some discounts apply automatically at quote time, but some may not be applied and must be asked about in order for you to get them.

  • Paperless Signup – Some insurance companies will give a small break simply for signing on their website.
  • Resident Student – Children who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Accident Waiver – A few companies allow you one accident before raising your premiums if your claims history is clear for a set time period.
  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class if offered at their school.
  • Homeowners Discount – Owning a home may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you could save 5% or more.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Discount for Good Grades – Getting good grades can earn a discount of 20% or more. The discount lasts up until you turn 25.
  • Passive Restraint Discount – Cars that have air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.

Drivers should understand that some of the credits will not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like comprehensive or collision. So when the math indicates you could get a free car insurance policy, it doesn’t quite work that way. But all discounts will reduce your premiums.

Companies that possibly offer these money-saving discounts may include but are not limited to:

Check with all companies you are considering what discounts are available to you. All car insurance discounts may not apply in every state.

When might I need help?

When choosing proper insurance coverage for your vehicles, there really is no single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions can help discover whether or not you would benefit from professional advice.

  • Why does it cost so much to insure a teen driver?
  • Can I get a multi-policy discount?
  • Am I covered when driving someone else’s vehicle?
  • Does coverage extend to my business vehicle?
  • Are rental cars covered under my policy?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Insurance specifics

Having a good grasp of insurance can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types available from insurance companies.

Collision coverages – Collision insurance covers damage to your Oasis from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as sideswiping another vehicle, colliding with another moving vehicle, crashing into a ditch, hitting a mailbox and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like doctor visits, rehabilitation expenses, X-ray expenses and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hail damage, a broken windshield and hitting a deer. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto liability insurance – This coverage protects you from damages or injuries you inflict on people or other property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover 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 values of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as medical services, structural damage, repair bills for other people’s vehicles, emergency aid and funeral expenses. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM) – This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Isuzu Oasis.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently these coverages are similar to your liability insurance amounts.

Get your money’s worth

As you shop your coverage around, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped uninsured motorist or liability limits only to regret at claim time that the savings was not a smart move. The ultimate goal is to purchase plenty of coverage for the lowest price while still protecting your assets.

We just covered some good ideas how to save on 1998 Isuzu Oasis insurance. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your rates. Drivers may discover the lowest priced insurance comes from some of the lesser-known companies. Smaller companies may only write in your state and offer lower rates compared to the large companies like State Farm, Geico and Nationwide.

Even more information can be found by following these links: