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: Jul 29, 2018

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Looking for better insurance rates for your Isuzu Trooper? Having to pay for overpriced insurance can dry up your budget and possibly require postponing other expenditures. Getting a rate comparison is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income.

Lots of car insurance companies contend to insure your vehicles, so it can be very hard to choose a provider and uncover the absolute best price available.

It’s a good habit to compare rates once or twice a year due to the fact that insurance prices change quite often. Despite the fact that you may have had the best quotes for Trooper coverage last year you can probably find a better rate now. Block out anything you think you know about insurance because you’re about to learn the tricks you need to know to eliminate unnecessary coverages and save money.

Discount insurance coverage rates

Insurance coverage is not cheap nor is it fun to buy but there may be some discounts to reduce the price significantly. Many of these discounts will be applied automatically at the time of purchase, but occassionally some discounts must be inquired about before being credited.

  • Professional Organizations – Joining specific professional or occupational memberships or organizations could trigger savings when shopping for insurance coverage.
  • Air Bags and Passive Restraints – Options like air bags or motorized seat belts can qualify for discounts as much as 30%.
  • Pay Upfront and Save – By making one initial payment instead of monthly or quarterly installments you may have a lower total premium amount.
  • Anti-theft Discount – Vehicles equipped with tracking devices and advanced anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Paperless Signup – Some insurance coverage companies give back up to $50 just for signing your application on their website.

One last thing about discounts, most discount credits are not given to the overall cost of the policy. The majority will only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like you can get free auto insurance, you aren’t that lucky.

If you would like to see a list of insurers with discount rates, 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 choosing the best auto insurance coverage, there is no perfect coverage plan. Every situation is different so this has to be addressed. Here are some questions about coverages that could help you determine if your insurance needs will benefit from professional help.

  • What is medical payments coverage?
  • If my pet gets injured in an accident are they covered?
  • What can I do if my company denied a claim?
  • Why does it cost so much to insure a teen driver?
  • Are my friends covered when driving my 1993 Isuzu Trooper?
  • What is high-risk coverage and where do I buy it?

If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It is quick, free and you can get the answers you need.

Advertising myths

Consumers can’t avoid all the ads for cheaper insurance coverage from companies such as Progressive, Allstate and GEICO. They all seem to make the same claim about savings if you move your coverage.

It sounds good, but how can they all have lower policy pricing? Here is how they do it.

Different companies have a certain “appetite” for the type of driver they prefer to insure. One example of this type of risk profile might be described as between 25 and 40, has no driving citations, and insures a new vehicle. A customer who fits that profile receive the lowest rate quotes and will most likely cut their rates if they switch.

Drivers who may not quite match this ideal profile will see more expensive rates and ends up with business not being written. The trick is to say “customers who switch” not “all people who quote” save that much when switching. That’s the way insurance companies can make claims like that.

This really emphasizes why you should compare price quotes frequently. It’s just not possible to know which insurance coverage company will have the best car insurance rates for your profile.

Insurance coverage options for a 1993 Isuzu Trooper

Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage for your vehicles. Insurance terms can be ambiguous and coverage can change by endorsement. Shown next are typical coverages available from insurance companies.

Comprehensive auto coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from a tornado or hurricane, rock chips in glass, a broken windshield, theft and falling objects. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto collision coverage

Collision insurance pays for damage to your Trooper from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for things like sustaining damage from a pot hole, backing into a parked car and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 1993 Isuzu Trooper.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally these limits do not exceed the liability coverage limits.

Liability insurance

Liability insurance can cover injuries or damage you cause to other’s property or people that is your fault. It consists of 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 translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things such as repair bills for other people’s vehicles, emergency aid and bail bonds. How much coverage you buy is up to you, but buy as large an amount as possible.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as X-ray expenses, rehabilitation expenses, chiropractic care and surgery. They can be used to fill the gap from your 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. PIP is not an option in every state but can be used in place of medical payments coverage

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

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Save for a rainy day

You just read quite a bit of information on how to compare 1993 Isuzu Trooper insurance auto insurance rates online. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even discover the lowest auto insurance rates are with some of the lesser-known companies. These smaller insurers can often provide lower premium rates in certain areas than their larger competitors like Allstate, GEICO and Progressive.

More affordable car insurance can be sourced online in addition to many insurance agents, so get free insurance coverage quotes from both of them to have the best chance of lowering rates. Some insurance providers may not have price quotes online and these smaller companies only sell through independent agents.

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