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: Nov 1, 2018

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Trying to find lower insurance rates for your Suzuki Samurai? Feeling guilty for buying an expensive insurance policy? It’s quite common and there are lots of people in the same boat. Popular companies such as Allstate, Liberty Mutual and State Farm continually hit you with catchy ads and it is challenging if not impossible to see through the cute green geckos and mayhem and do the work needed to find the best deal.

It is always a good idea to shop coverage around on a regular basis because insurance prices change quite often. Despite the fact that you may have had the lowest price on Samurai coverage a few years ago there may be better deals available now. You can search a lot of insurance online, but I’m going to show you some excellent ideas to slash your insurance rates.

If you have insurance now or are just looking to switch companies, you can follow these tips to reduce the price you pay while maximizing coverage. Buying car insurance is easy if you know what you’re doing. Drivers only need to know the proper way to get comparison rates online.

Earn discounts to get lower-cost insurance coverage rates

Insurance coverage is not an enjoyable expense, but you might be missing out on some discounts to cut the cost considerably. Certain discounts will be triggered automatically when you get a quote, but some may not be applied and must be asked about in order for you to get them. If they aren’t giving you every credit you qualify for, you are not getting the best rate possible.

  • Safety Course Discount – Completing a class that teaches defensive driving techniques could earn you a small percentage discount depending on where you live.
  • Discounts for New Vehicles – Insuring a vehicle that is new may earn a small discount since newer vehicles are generally safer.
  • Home Ownership Discount – Just being a homeowner can get you a discount because maintaining a house shows financial diligence.
  • Pay Upfront and Save – If you can afford to pay the entire bill rather than paying in monthly installments you can avoid monthly service charges.
  • Online Discount – Many larger companies will give you a small discount shop car insurance digitally online.

Just know that most discount credits are not given to all coverage premiums. Most only apply to specific coverage prices like comprehensive or collision. Just because it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

To see providers who offer cheap insurance coverage quotes, click here.

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

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Cheapest car insurance quotes

Getting a more affordable price on 1992 Suzuki Samurai insurance isn’t really that difficult. You just have to take the time getting comparison quotes to find out which insurance company has affordable car insurance quotes. Shoppers can get rates by following the guidelines below.

  1. Probably the best way to compare a lot of rates at once is an all-inclusive rate comparison (click to open form in new window). This quick form saves time by eliminating separate quotation requests for each company. Filling out one form will get you rate comparisons from many national carriers.
  2. A more time consuming way to find more affordable insurance consists of going to each company website to complete a price quote. For instance, we’ll assume you want to view quotes from USAA, GEICO and Allstate. You would have to go to every website to enter the same coverage data repeatedly, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.

Whichever way you choose to compare rates, make absolute certain that you use the exact same coverages and limits on every price quote you get. If each company quotes different limits and deductibles on each one you will not be able to determine which company has the best rates.

Tailor your insurance coverage coverage to you

When it comes to buying adequate coverage, there is no one size fits all plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions might help in determining whether you could use an agent’s help.

  • How do I insure my teen driver?
  • Does insurance cover tools stolen from my truck?
  • How much can I save by bundling my policies?
  • Can my teen drive my company car?
  • I have good health insurance, so how much medical payments coverage do I need?
  • How much liability do I need to cover my assets?
  • How can I get my company to pay me more for my totalled car?
  • Do I need replacement cost coverage?
  • What is PIP insurance?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and can provide invaluable advice.

Insurance coverage options for a Suzuki Samurai

Understanding the coverages of a insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average insurance policy.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for immediate expenses such as doctor visits, prosthetic devices, EMT expenses, surgery and ambulance fees. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hail damage, damage from a tornado or hurricane, hitting a deer and falling objects. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision – Collision coverage will pay to fix damage to your Samurai caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like crashing into a building, hitting a mailbox and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Suzuki Samurai.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally these coverages are set the same as your liablity limits.

Liability coverage – This coverage will cover injuries or damage you cause to a person or their property that is your fault. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like repair bills for other people’s vehicles, legal defense fees, court costs and bail bonds. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

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

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Be a smart shopper

You just learned a lot of tips how to shop for 1992 Suzuki Samurai insurance online. The most important thing to understand is the more companies you get rates for, the better likelihood of getting inexpensive car insurance. Drivers may discover the best prices are with a company that doesn’t do a lot of advertising. They can often provide lower rates in certain areas as compared to the big name companies such as State Farm or Progressive.

Budget-friendly auto insurance is definitely available both online and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies do not offer online price quotes and many times these regional insurance providers provide coverage only through local independent agents.

Additional detailed information is available at these sites: