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 22, 2018

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No one looks forward to buying insurance, especially knowing the cost is way too high.

Numerous insurers battle for your business, so it’s not easy to compare every insurance company and get the best coverage at the best rate

If you have car insurance now, you will be able to reduce your rates substantially using these techniques. Choosing the best insurance company for you is easy if you know what you’re doing. Nevertheless, vehicle owners must comprehend how insurance companies determine prices because it can help you find the best coverage.

How to lower your car insurance cost

There are a variety of methods to shop for car insurance, but one way is less labor-intensive and much quicker. You can waste hours discussing policy coverages with local insurance agents in your area, or you can stay home and use online quoting to get the quickest rates.

Most car insurance companies are enrolled in a marketplace that enables customers to only type in their quote data once, and each participating company provides a quote determined by their information. This saves time by eliminating quotation requests for every car insurance company.

To enter your information into the quoting system, click here to open in new window.

The only downside to getting quotes like this is you are unable to specify the companies you want pricing from. So if you want to choose individual companies to receive pricing from, we have a listing of low cost car insurance companies in your area. Click to view list.

The approach you take is up to you, just do your best to use nearly identical quote data on every quote. If you have different coverage information it will be very difficult to truly determine the lowest rate. Just slight variations in limits can mean a large discrepancy in price. And when comparison shopping, getting more free quotes increases the change that you will find a lower rate than you’re paying now. Some companies don’t provide online rate quotes, so it’s recommended that you also compare price estimates from those companies as well.

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

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Do drivers who switch really save $427 a year?

Companies like Allstate and Progressive consistently run ads on television and other media. They all try to convey promises that drivers can save some big amount if you switch your policy. It sounds good, but how can they all give you a better price? Just pay attention to how they say it.

Insurance providers look for specific characteristics for the type of customer that earns them a profit. A good example of a preferred risk could be a female over age 40, has few claims, and insures a new vehicle. Someone who fits those characteristics will get very good rates and will pay quite a bit less when switching companies.

Potential customers who don’t measure up to those criteria may be forced to pay higher rates and this results in business not being written. If you pay close attention to the ads, they say “people who switch” not “everyone that quotes” save that much. That is how companies can truthfully advertise the savings.

Each company has different criteria, so drivers must get as many free auto insurance quotes as possible. It’s just too difficult to predict with any certainty which company will have the lowest rates.

Eight discounts for cheap auto insurance rates

Some insurers don’t always publicize every possible discount in a way that’s easy to find, so we took the time to find a few of the more common and the more hidden discounts that you may qualify for.

  • Home Ownership Discount – Simply owning a home may trigger a policy discount on auto insurance since owning and maintaining a home means you have a higher level of financial diligence.
  • Distant College Student Discount – Children living away from home attending college and do not take a car to college may qualify for this discount.
  • Government Employees – Active or former government employment could qualify for a slight premium decrease for Samurai insurance with a few auto insurance companies.
  • ABS Brakes – Vehicles that have anti-lock braking systems are safer to drive and the ABS can save up to 10%.
  • First Accident Forgiveness – This isn’t a discount exactly, but a handful of insurance companies will let one accident slide before raising your premiums if you are claim-free for a specific time period.
  • Early Renewal Discounts – A few companies give discounts for signing up early. You may see this discount when you get auto insurance quotes online.
  • Early Payment Discounts – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
  • Paper-free Discount – A handful of companies will give a small break shop auto insurance digitally online.

A quick disclaimer, most credits do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, you’re out of luck.

A list of auto insurance companies and some of the premium reductions they offer can be read below.

  • Farmers Insurance has savings for bundle discounts, early shopping, switch companies, teen driver, and electronic funds transfer.
  • State Farm may offer discounts for defensive driving training, Drive Safe & Save, accident-free, good student, driver’s education, and Steer Clear safe driver discount.
  • Liberty Mutual offers premium reductions for new graduate, hybrid vehicle, exclusive group savings, new move discount, multi-car, newly married, and safety features.
  • MetLife discounts include defensive driver, claim-free, good driver, accident-free, and good student.
  • Progressive includes discounts for good student, multi-policy, continuous coverage, homeowner, and online quote discount.

Check with every insurance company which discounts you qualify for. All car insurance discounts may not be offered in your area.

Tailor your insurance coverage coverage to you

When choosing adequate coverage, there isn’t really a perfect coverage plan. Every situation is different so this has to be addressed. For instance, these questions might help in determining if your situation would benefit from an agent’s advice.

  • How much liability do I need to cover my assets?
  • How does medical payments coverage work?
  • Do I benefit by insuring my home with the same company?
  • How high should deductibles be on a 1991 Suzuki Samurai?
  • Can my teen drive my company car?
  • When should I drop full coverage on my 1991 Suzuki Samurai?
  • Is my ex-spouse still covered by my policy?

If you can’t answer these questions, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area.

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

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Auto insurance coverage information

Knowing the specifics of a car insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are typical coverages found on most car insurance policies.

Comprehensive insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, a broken windshield, hail damage, fire damage and theft. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like pain medications, prosthetic devices, ambulance fees and doctor visits. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Suzuki Samurai.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.


This provides protection from injuries or damage you cause to people or other property. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

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 liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like loss of income, medical expenses and legal defense fees. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Collision protection

This pays for damage to your Samurai resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as colliding with another moving vehicle, sustaining damage from a pot hole and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Pennies from heaven

Discount 1991 Suzuki Samurai insurance is attainable both online in addition to many insurance agents, so you need to quote auto insurance with both to get a complete price analysis. Some insurance coverage companies may not have rates over the internet and these small, regional companies only sell through independent insurance agents.

We’ve covered some good ideas how to reduce 1991 Suzuki Samurai insurance car insurance rates online. The most important thing to understand is the more times you quote, the better your chances of lowering your premium rates. Consumers could even find that the most savings is with a lesser-known regional company. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as GEICO and State Farm.

To learn more, link through to the resources below: