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 5, 2015

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Have you finally had enough of being strong-armed each month for insurance? Your situation is no different than most other vehicle owners.

Companies like State Farm, Allstate, GEICO and Progressive increase brand awareness with TV and radio ads and it is difficult to ignore the flying pigs and cute green geckos and find the best price available.

You need to get comparison quotes occasionally due to the fact that insurance prices change regularly. Even if you got the best deal for Trooper coverage at your last renewal you may be paying too much now. Forget all the misinformation about insurance because we’re going to show you the best way to save money, get proper coverage and the best rates.

Why informed drivers pay less for Isuzu Trooper insurance

Lots of factors are used in the calculation when you get your auto insurance bill. Some of the criteria are obvious like your driving record, although others are more transparent such as your marital status or your commute time.Consumers need to have an understanding of the factors that come into play when calculating your car insurance rates. If you know what determines base rates, this allows you to make good choices that may result in lower rates.

The following are some of the factors companies use to determine rates.

  • Younger driver insurance prices – Inexperience drivers have been known to be inattentive when at the wheel of a vehicle so car insurance rates are higher. Older insureds are proven to be safer behind the wheel, cost insurance companies less in claims and are safer drivers.
  • Annual mileage impacts costs – The higher the miles on your Isuzu each year the higher your rate. Almost all companies calculate rates based upon how you use the vehicle. Cars that do not get driven very much qualify for better rates than vehicles that have high annual mileage. An incorrectly rated Trooper may be costing you. Double check that your car insurance policy states the correct usage.
  • Bad credit hurts insurance costs – A driver’s credit rating will be a significant factor in determining premium rates. Consumers who have excellent credit scores tend to file fewer claims and have better driving records than drivers who have lower ratings. If your credit rating is lower than you’d like, you could be paying less to insure your 1994 Isuzu Trooper if you clean up your credit.
  • No policy gaps is important – Having an insurance coverage lapse is a guaranteed way to increase your rates. And not only will insurance be more expensive, the inability to provide proof of insurance may earn you fines or a revoked license.
  • Employer and insurance premiums – Occupations such as military generals, architects and medical professionals tend to have higher rates than the rest of us in part from high stress and incredibly demanding work hours. Conversely, occupations like scientists, students and retirees generally pay rates lower than average for Trooper coverage.
  • Car and home together may be cheaper – Lots of insurance companies afford a discount for people that buy multiple policies in the form of a multi-policy discount. Even though this discount sounds good, you may still want to check prices from other companies to help guarantee you have the best rates. You may still find lower rates by buying from different companies
  • Deter vehicle theft – Driving a car with anti-theft technology or alarm system can save you some money. Systems that thwart theives like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping car theft and help bring rates down.
  • Your liability protection limits – The liability coverage on your policy will protect you if ever a jury decides you are liable for damages from an accident. This coverage provides legal defense starting from day one. This coverage is relatively inexpensive as compared to coverage for physical damage, so drivers should carry high limits.

The best way to compare car insurance company rates utilizes the fact most insurance companies will pay a fee to provide you with a free rate quote. The only thing you need to do is provide a small amount of information including whether the vehicles are used for commuting, how much school you completed, the year, make and model of vehicles, and if the vehicle is leased. That rating data is instantly provided to insurance companies and you should receive rate quotes with very little delay.

To get price quotes for your 1994 Isuzu Trooper now, click here and complete the quick form.

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

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Car insurance myths debunked

Car insurance providers like State Farm, Allstate and GEICO seem to constantly run ads on TV and radio. They all seem to tend to make the same promise of big savings just by switching to them. Is it even possible that every company can offer you a better deal? This is the trick they use.

Most companies look for specific characteristics for a prospective insured that is profitable for them. An example of a desirable insured may be married and over the age of 30, is a homeowner, and has great credit. Someone who fits that profile will qualify for the lowest prices and as a result will probably cut their rates if they switch.

Consumers who cannot meet these criteria may receive higher rates and business going elsewhere. The trick companies use is to say “customers who switch” but not “everyone who gets a quote” can save as much as they claim. That’s the way companies can truthfully make those claims. This emphasizes why drivers must compare quotes as often as possible. Because you cannot predict which company will have better prices than you’re paying now.

Insurance coverage rates and discounts

Insurance coverage is neither fun to buy or cheap, but there could be available discounts to reduce the price significantly. Larger premium reductions will be automatically applied at the time you complete a quote, but some must be requested specifically before you will receive the discount. If you aren’t receiving every discount you qualify for, you could be saving more on your insurance coverage.

  • Club Memberships – Being a member of qualifying clubs or civic groups could earn you a nice discount when getting a insurance quote.
  • Pay Early and Save – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
  • Low Mileage Discounts – Maintaining low annual mileage can qualify you for lower rates due to less chance of an accident.
  • Telematics Discount – Insureds that choose to allow data collection to monitor driving manner by using a small device installed in their vehicle such as State Farm’s In-Drive could save a few bucks if they have good driving habits.
  • Multiple Vehicles – Drivers who insure several vehicles on the same insurance coverage policy could earn a price break for each car.
  • One Accident Forgiven – Not really a discount, but a few companies such as Allstate and State Farm will turn a blind eye to one accident before raising your premiums as long as you don’t have any claims prior to the accident.
  • Distant College Student Discount – College-age children who attend college more than 100 miles from home and do not have a car could get you a discount.
  • New Car Discount – Putting insurance coverage on a new car can cost up to 25% less because newer vehicles are generally safer.

We need to note that some credits don’t apply to all coverage premiums. Most only cut individual premiums such as liability and collision coverage. Despite the fact that it seems like all those discounts means the company will pay you, you won’t be that lucky.

The best insurance coverage companies and a selection of discounts are detailed below.

  • State Farm includes discounts for driver’s education, accident-free, defensive driving training, good student, and good driver.
  • American Family discounts include multi-vehicle, bundled insurance, good driver, defensive driver, good student, air bags, and TimeAway discount.
  • AAA may have discounts that include good driver, good student, pay-in-full, anti-theft, and multi-policy.
  • GEICO offers discounts including good student, military active duty, five-year accident-free, multi-policy, and defensive driver.
  • Mercury Insurance offers premium reductions for low natural disaster claims, type of vehicle, accident-free, professional/association, age of vehicle, multi-car, and good student.
  • Farmers Insurance may offer discounts for good student, distant student, youthful driver, electronic funds transfer, teen driver, bundle discounts, and alternative fuel.
  • Progressive offers discounts for homeowner, good student, multi-policy, online quote discount, multi-vehicle, online signing, and continuous coverage.

Before purchasing a policy, check with all companies you are considering what discounts are available to you. All car insurance discounts might not be offered in your area. For a list of insurance companies with significant discounts, click this link.

Situations that may require an agent’s advice

When buying proper insurance coverage, there really is no single plan that fits everyone. Every situation is different so your insurance needs to address that. Here are some questions about coverages that might point out if your situation would benefit from professional advice.

  • What if I owe more than I can insure my car for?
  • Can I rent a car in Mexico?
  • Do I have any recourse if my insurance company denies a claim?
  • What is high-risk coverage and where do I buy it?
  • Should I rate my 1994 Isuzu Trooper as pleasure use or commute?
  • Am I covered when delivering products for my home-based business?
  • Do I need rental car coverage?
  • Do I need more liability coverage?
  • Should I bundle my homeowners policy with my auto?

If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

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

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The coverage is in the details

Knowing the specifics of your policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages found on most auto insurance policies.

Collision protection

This coverage covers damage to your Trooper resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like damaging your car on a curb, crashing into a building and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

UM/UIM Coverage

This provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Isuzu Trooper.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as chiropractic care, pain medications and rehabilitation expenses. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix 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 insurance covers claims like damage from flooding, fire damage, damage from getting keyed and hail damage. The most a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability insurance

This provides protection from injuries or damage you cause to a person or their property that is your fault. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

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 limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as attorney fees, loss of income, court costs, legal defense fees and medical expenses. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Shop. Compare. Save.

We just covered some good ideas how to reduce 1994 Isuzu Trooper insurance premium rates online. The most important thing to understand is the more rate quotes you have, the higher your chance of finding affordable insurance. You may even discover the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. Smaller companies may have significantly lower prices on certain market segments than the large multi-state companies such as Allstate or State Farm.

Cheaper car insurance is definitely available on the web and also from your neighborhood agents, so you need to shop insurance with both to get a complete price analysis. Some car insurance companies may not have rates over the internet and many times these small, regional companies sell through independent agents.

When you buy insurance online, it’s not a good idea to buy less coverage just to save a little money. There have been many cases where an insured cut physical damage coverage and learned later that the small savings ended up costing them much more. The proper strategy is to purchase a proper amount of coverage at an affordable rate and still be able to protect your assets.

For more information, feel free to browse the resources below: