Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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Searching for lower auto insurance rates for your Suzuki Samurai? Feel like you have an underperforming, overpriced auto insurance policy? It’s a common feeling and many consumers are in the same pinch.

Insurance companies such as Allstate, Liberty Mutual and State Farm continually bombard you with catchy ads and it can be hard to ignore the flashy ads and take the time to shop coverage around.

It’s smart to do price comparisons quite often because auto insurance prices are adjusted regularly by insurance companies. If you had the lowest price for Samurai coverage last year you will most likely find a better rate today. Forget all the misinformation about auto insurance because you’re going to learn the things you must know in order to lower your annual insurance bill.

Insurance Coverage Discounts

Some providers do not list every disount available very well, so we took the time to find a few of the more well known and also the more inconspicuous discounts you could be receiving when you buy insurance online.

  • Government Employees – Active or retired federal employment can save as much as 8% for Samurai coverage but check with your company.
  • Bundled Policy Discount – When you have multiple policies with the same company you could earn a discount of up to 20% and get you the cheapest insurance.
  • Student Driver Training – It’s a good idea to have your young drivers take driver’s ed class in high school.
  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles prevent vehicle theft and therefore earn up to a 10% discount.
  • Discounts for Safe Drivers – Insureds who avoid accidents can save up to 40% or more on their insurance quote for Samurai coverage than drivers with accident claims.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you may have a lower total premium amount.
  • Air Bag Discount – Vehicles equipped with air bags may get savings of 20 to 30 percent.
  • Senior Discount – Older drivers could receive a slight reduction on a insurance quote for Samurai coverage.

You can save money using discounts, but most discounts do not apply to the entire cost. Most only reduce individual premiums such as liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, it just doesn’t work that way. But all discounts will lower your policy premium.

A list of companies and a selection of discounts are included below.

  • State Farm may have discounts that include driver’s education, Steer Clear safe driver discount, multiple policy, accident-free, multiple autos, and Drive Safe & Save.
  • American Family includes discounts for air bags, bundled insurance, accident-free, good driver, and defensive driver.
  • GEICO offers discounts for anti-lock brakes, military active duty, daytime running lights, seat belt use, anti-theft, and driver training.
  • 21st Century has discounts for anti-lock brakes, homeowners, defensive driver, early bird, theft prevention, student driver, and good student.
  • Progressive offers discounts including multi-policy, multi-vehicle, good student, online signing, continuous coverage, online quote discount, and homeowner.

Before you buy a policy, ask every insurance company which discounts they offer. Depending on the company, some discounts may not be available in your area. To view insurance companies who offer free insurance coverage quotes, click this link.

Enter your zip code below to view companies that have cheap auto insurance rates.

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You can change your insurance costs

Multiple criteria are part of the equation when premium rates are determined. Some are obvious like an MVR report, but some are more obscure like your vehicle usage or how safe your car is.

The list below includes most of the major factors used by companies to determine rates.

  • Do you really need to file that claims? – Insurance companies generally give lower rates to insureds that do not abuse their auto insurance. If you’re an insured who likes to file claims you can expect higher premiums or even policy non-renewal. Auto insurance is intended to be relied upon for the large, substantial claims.
  • Responsible drivers pay the best premiums – Drivers with clean records get better prices than their less careful counterparts. Even one speeding ticket or other violation can increase the cost of insurance forty percent or more. Drivers who have severe tickets like DUI, reckless driving or excessive speeding may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
  • Reduce premiums by driving safer vehicles – Cars with high safety ratings tend to be cheaper to insure. Safer cars protect occupants better and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If the Suzuki Samurai has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
  • Save money by having multiple policies – Most major companies afford discounts for people who buy several policies from them such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. Even if you already get this discount, you may still want to compare rates to verify if the discount is saving money.
  • Marriage is a good thing – Walking down the aisle can actually save you money on your policy. Having a significant other may mean you are more responsible and it’s proven that married drivers tend to file fewer claims.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage, there really is not a best way to insure your cars. Everyone’s situation is unique so your insurance should reflect that For instance, these questions might point out if you might need an agent’s assistance.

  • Am I covered if I drive in a foreign country?
  • Where can I find DUI or SR-22 insurance?
  • Should I rate my 1990 Suzuki Samurai as pleasure use or commute?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my nanny covered when driving my vehicle?
  • Does coverage extend to my business vehicle?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is upholstery damage covered by car insurance?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Car insurance 101

Learning about specific coverages of a insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most insurance policies.

Coverage for collisions

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like scraping a guard rail, driving through your garage door, hitting a mailbox, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Auto liability

Liability coverage can cover damages or injuries you inflict on people or other property that is your fault. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as legal defense fees, repair bills for other people’s vehicles, funeral expenses and structural damage. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like surgery, funeral costs and nursing services. They can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive (Other than Collision)

This coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, a broken windshield, damage from flooding and falling objects. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Buy Smart and Save

We just covered a lot of techniques to reduce 1990 Suzuki Samurai insurance premium rates online. It’s most important to understand that the more providers you compare, the better your chances of lowering your prices. You may even discover the lowest premium rates come from a lesser-known regional company. These companies may cover specific market segments cheaper than their larger competitors like Allstate, GEICO and Progressive.

Some insurance providers may not provide internet price quotes regional insurance providers prefer to sell through local independent agencies. The cheapest 1990 Suzuki Samurai insurance can be purchased online as well as from insurance agents, and you should be comparing both to have the best selection.

Much more information about auto insurance is located below: