Cheap 1998 Suzuki Sidekick Insurance Quotes

Want better car insurance rates? Drivers have lots of choices when trying to find affordable Suzuki Sidekick insurance. They can either spend hours struggling with agents to get rate comparisons or save time using the internet to find the lowest rates.

There are both good and bad ways to buy car insurance and you need to know the best way to get price quotes for your Suzuki and locate the lowest price either online or from local insurance agents.

Smart consumers take time to do rate comparisons every six months since rates are adjusted regularly by insurance companies. Just because you had the lowest price for Sidekick insurance a couple years back there may be better deals available now. Block out anything you think you know about car insurance because you’re about to learn the quickest way to find the best coverage while lowering your premiums.

Fast and Easy Car Insurance Quotes

There are several ways to compare Suzuki Sidekick car insurance quotes, but some are less labor-intensive and much quicker. You can waste a lot of time talking to insurance companies in your area, or you could save time and use the internet to maximize your effort.

Most major companies participate in an industry program that allows shoppers to submit their information once, and every company then returns a price quote based on the submitted data. This saves time by eliminating quote forms for each company.

To compare pricing click to open in new window.

One minor caviat to comparing rates this way is that you can’t choose which insurance companies you want pricing from. If you would rather choose specific providers to compare, we put together a list of car insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just double check that you are using apples-to-apples quote information for every quote you compare. If the quotes have differing limits you will not be able to determine the best price for your Suzuki Sidekick.

Is my situation unique?

When choosing adequate coverage for your vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine if you would benefit from an agent’s advice.

• Does my personal policy cover me when driving out-of-state?
• When should my teen driver be added to my policy?
• Is my custom paint covered by insurance?
• Does medical payments coverage apply to all occupants?
• Do I have coverage when using my vehicle for my home business?
• Do I need more liability coverage?
• How do I buy GAP insurance?
• Is my babysitter covered when using my vehicle?
• Should I file a claim if it’s only slightly more than my deductible?
• Do I have coverage when pulling a U-Haul trailer?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and may give you better protection.

Car insurance specifics

Learning about specific coverages of car insurance can help you determine appropriate coverage for your vehicles. Policy terminology can be confusing and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like theft, a tree branch falling on your vehicle, hail damage, damage from getting keyed and fire damage. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for bills such as ambulance fees, EMT expenses, surgery and doctor visits. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as crashing into a building, backing into a parked car, damaging your car on a curb and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Auto liability insurance – Liability insurance protects you from damage or injury you incur to other’s property or people. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like medical services, structural damage, legal defense fees, repair bills for other people’s vehicles and court costs. How much coverage you buy is your choice, but buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 1998 Suzuki Sidekick.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits are similar to your liability insurance amounts.