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: Mar 21, 2018

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

If you are new to online insurance, there’s a good chance you are baffled due to the large selection of local and online companies that all promise to save you money.

It’s a great practice to quote other rates every six months because insurance prices are variable and change quite frequently. Even if you think you had the best deal on Trooper insurance a couple years back there may be better deals available now. Ignore everything you know about insurance because we’re going to show you the fastest way to find better rates and still maintain coverage.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this strategy. Finding affordable auto insurance is quite easy. Although vehicle owners can benefit from knowing the methods companies use to market insurance on the web and take advantage of how the system works.

Smart buyers save every year

Many factors are used when premium rates are determined. Some are obvious like an MVR report, although others are more transparent such as your marital status or your commute time.It’s important that you understand some of the things that help determine the price you pay for insurance. When you understand what controls the rates you pay, this empowers consumers to make smart changes that may reward you with lower premium levels.

The itemized list below are just a few of the factors used by insurance companies to determine your rate level.

  • Stressful vocation may mean higher insurance rates – Occupations like fire fighters, architects and financial analysts tend to have higher rates than the rest of us in part from intense work-related stress and long work hours. Other careers such as scientists, historians and performers have lower than average premiums on Trooper insurance.
  • Never go without insurance – Going without insurance is a sure-fire way to drive up your policy premiums. In addition to paying higher premiums, failure to provide proof of insurance may earn you a fine, jail time, or a revoked license.
  • Optional features that cut premiums – Choosing to buy a car with a theft deterrent system can help lower your rates. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder auto theft.
  • Avoid unnecessary incidental coverages – There are a ton of optional add-on coverages that can waste your money on your 1992 Trooper policy. Coverages like coverage for rental cars, accidental death, and term life insurance may be costing you every month. These may sound like a good investment when talking to your agent, but if you’ve never needed them in the past remove them from your policy.
  • Older drivers pay less – Older drivers are more responsible, tend to cause fewer accidents and get fewer tickets.Drivers with little experience tend to be inattentive and easily distracted when behind the wheel so insurance rates are higher.

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

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Car insurance quotes comparison

Many insurance companies make it easy to get price estimates on their websites. Getting online quotes doesn’t take a lot of time because you just enter the amount of coverage you want as requested by the quote form. When the form is submitted, their system sends out for information on your driving record and credit history and generates pricing information.

Online price quotes makes comparing rates easy, but the process of having to visit a lot of sites and type in the same information is a big time waster. But it’s also necessary to do this if you want to get the best price on car insurance.

Keep reading for an easier way to compare prices

A less time-consuming method to find cheaper rates requires only one form that gets prices from several companies at one time. This type of form saves time, eliminates repetitive work, and makes rate comparisons much more enjoyable. As soon as you send your information, your coverage is rated and you can choose any or none of the price quotes you receive.

If the quotes result in lower rates, you simply finish the application and purchase the new policy. The entire process takes less than 15 minutes and you’ll know if lower rates are available.

If you want to compare rates using this form now, click here to open in a new tab and submit the form. If you currently have coverage, we recommend you complete the form with deductibles and limits exactly as they are listed on your policy. This helps ensure you will receive a price comparison for similar coverage.

Slick advertising tricks that work

Companies like Progressive, Allstate and GEICO continually stream ads on television and other media. They all seem to make an identical promise that drivers will save a bundle if you move to their company. That’s great but how can every company offer you a better deal? Just pay attention to how they say it.

Most companies have specific characteristics for the type of driver that will add to their bottom line. An example of a desirable insured might be between the ages of 30 and 50, owns their home, and drives a lower-performance vehicle. A driver that meets those criteria will get very good premium rates and as a result will probably save if they switch.

People who don’t measure up to this stringent profile will get a higher rate and this results in the prospect going elsewhere. The ads state “drivers who switch” not “everyone who quotes” can save as much as they claim. This is how companies can make those statements.

Because each company has a different risk profile, you absolutely need to do a rate comparison at every renewal. It is impossible to predict with any certainty which company will fit your personal profile best.

Find hidden discounts to get affordable insurance rates

Some companies do not advertise every possible discount very clearly, so the list below contains both the well known and the more hidden credits available to you.

  • Multiple Policy Discount – When you have multiple policies with one company you could get a discount of up to 20% and get you cheap auto insurance.
  • Payment Method – If paying your policy premium upfront instead of paying each month you can avoid the installment charge.
  • Active Military Service – Having a deployed family member may lower your premium rates slightly.
  • Passive Restraints – Vehicles equipped with air bags may earn rate discounts up to 30%.
  • Defensive Driving Course – Completing a course in safe driver could cut 5% off your bill and also improve your driving technique.
  • Government Employee Discount – Active or former government employment can earn a discount up to 10% on Trooper insurance with a few insurance companies.
  • ABS Braking Discount – Cars, trucks, and SUVs that have anti-lock braking systems can reduce accidents and the ABS can save up to 10%.

As a footnote on discounts, most credits do not apply to the entire policy premium. The majority will only reduce individual premiums such as medical payments or collision. So even though you would think all those discounts means the company will pay you, companies wouldn’t make money that way.

Insurance companies that may offer quotes with these money-saving discounts include:

When comparing rates, check with every company how many discounts you can get. Depending on the company, some discounts may not be offered in your area. If you would like to see a list of insurance companies who offer online insurance quotes, click here.

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

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Tailor your auto insurance coverage to you

When buying the best auto insurance coverage for your vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions can help discover whether your personal situation would benefit from an agent’s advice.

  • Does coverage extend to my business vehicle?
  • If my pet gets injured in an accident are they covered?
  • Is my babysitter covered when using my vehicle?
  • Can my teen drive my company car?
  • Am I covered if I break a side mirror?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Coverages available on your policy

Having a good grasp of your policy can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Medical expense coverage – Med pay and PIP coverage pay for short-term medical expenses for things like EMT expenses, dental work, pain medications, surgery and ambulance fees. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision – Collision coverage covers damage to your Trooper 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 can pay for things such as crashing into a building, hitting a parking meter, scraping a guard rail, sideswiping another vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Liability – Liability insurance will cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for things such as loss of income, funeral expenses, emergency aid, court costs and medical expenses. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your Isuzu Trooper.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive protection – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like falling objects, damage from flooding, fire damage, a broken windshield and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

A fool and his money are soon parted

Affordable 1992 Isuzu Trooper insurance can be bought on the web in addition to many insurance agents, so you should be comparing quotes from both to have the best selection. Some companies do not provide the ability to get a quote online and many times these regional insurance providers only sell coverage through independent insurance agencies.

People who switch companies do it for many reasons like delays in paying claims, extreme rates for teen drivers, high prices and even denial of a claim. It doesn’t matter why you want to switch choosing a new company can be less work than you think.

As you prepare to switch companies, never reduce needed coverages to save money. There have been many cases where consumers will sacrifice liability coverage limits and discovered at claim time they didn’t purchase enough coverage. The aim is to get the best coverage possible for the lowest cost while not skimping on critical coverages.

Additional detailed information is available at these sites: