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: Feb 23, 2018

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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.

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No car owner anticipates paying for insurance, especially when they are aware that they could get a better deal. There is such a variety of insurance companies to purchase coverage from, and even though it’s nice to be able to choose, too many choices makes it more difficult to find the lowest cost provider.

Lower-cost insurance quotes with discounts

Companies that sell car insurance don’t always publicize all disounts in a way that’s easy to find, so we took the time to find some of the best known in addition to some of the lesser obvious discounts you could be receiving when you buy insurance online.

  • New Car Discount – Adding a new car to your policy may earn a small discount because new vehicles have to meet stringent safety requirements.
  • Renewal Discounts – A few companies allow discounts for switching to them early. The savings is around 10%.
  • Drive Safe and Save – Insureds who avoid accidents can save as much as half off their rates for Samurai coverage as compared to drivers with claims.
  • Onboard Data Collection – Insureds who allow companies to analyze their driving habits by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot may see discounts if they have good driving habits.
  • Military Rewards – Having a family member in the military can result in better premium rates.
  • Online Discount – Some larger companies may give you up to $50 for completing your application over the internet.
  • Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you a discount if you purchase life insurance from them.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • College Student – who live away from home at college and do not take a car to college may be able to be covered for less.

Just know that some of the credits will not apply to the entire policy premium. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, that’s just not realistic.

A list of insurance companies and some of their more popular discounts are included below.

  • Progressive offers discounts including good student, homeowner, multi-policy, continuous coverage, multi-vehicle, and online signing.
  • The Hartford has savings for good student, driver training, air bag, bundle, defensive driver, and anti-theft.
  • Mercury Insurance offers premium reductions for annual mileage, good student, multi-car, low natural disaster claims, and good driver.
  • GEICO may offer discounts for multi-vehicle, anti-theft, membership and employees, defensive driver, and emergency military deployment.
  • AAA may have discounts that include education and occupation, good driver, anti-theft, multi-policy, multi-car, good student, and pay-in-full.
  • State Farm policyholders can earn discounts including anti-theft, driver’s education, passive restraint, defensive driving training, and student away at school.

Double check with each company how many discounts you can get. Depending on the company, some discounts may not be available in every state. To locate insurers who offer online insurance quotes, click here.

The quickest way to compare car insurance company rates is to know the trick most of the larger companies pay for the opportunity to give free rates quotes. The only thing you need to do is take a few minutes to give details such as whether your vehicle is owned or leased, if you went to college, level of coverage desired, and if a SR-22 is required. That rating information is instantly provided to all major companies and you will receive price estimates within a short period of time.

If you would like to start a quote now, click here and complete the form.

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 it comes to choosing adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions could help you determine whether or not you may require specific advice.

  • Does car insurance cover theft of personal property?
  • Do I pay less for low miles?
  • Are rock chip repairs covered?
  • Are my friends covered when driving my 1993 Suzuki Samurai?
  • Does medical payments coverage apply to all occupants?
  • Does my 1993 Suzuki Samurai qualify for pleasure use?
  • Do I benefit by insuring my home with the same company?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Coverages available on your policy

Learning about specific coverages of auto insurance helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverages available from auto insurance companies.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like X-ray expenses, doctor visits, dental work and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability insurance – Liability insurance protects you from damage that occurs to people or other property. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims such as repair costs for stationary objects, structural damage and loss of income. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Collision – Collision insurance covers damage to your Samurai resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like backing into a parked car, colliding with a tree, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive auto insurance – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as fire damage, damage from getting keyed, falling objects, hail damage and vandalism. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Find Good Coverage for Less

When searching for inexpensive insurance quotes, it’s a bad idea to reduce coverage to reduce premium. There are many occasions where someone dropped collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to buy enough coverage at the best possible price, but do not sacrifice coverage to save money.

We just covered some good ideas how you can reduce 1993 Suzuki Samurai insurance premium rates online. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding affordable insurance. You may even discover the lowest premium rates come from an unexpected company. Some small companies may have significantly lower prices on certain market segments as compared to the big name companies such as Progressive and GEICO.

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