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 24, 2018

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Looking for better auto insurance rates for your Suzuki Samurai? Shopping for the lowest cost auto insurance on the web is rather difficult for people that are relatively new to buying their auto insurance online. With such a large number of agents and insurers available, how can people effectively compare all the different companies and get the best price?

Lower rates by qualifying for discounts

Car insurance is not cheap, but discounts can save money and there are some available that can help lower your rates. A few discounts will be applied when you purchase, but a few must be inquired about before they will apply.

  • 55 and Retired – Seniors can possibly qualify for a slight reduction on a insurance coverage quote on Samurai insurance.
  • Student Discounts – A discount for being a good student may save as much as 25% on a insurance coverage quote. This discount can apply up until you turn 25.
  • Payment Method – By paying your entire bill at once instead of monthly or quarterly installments you can avoid monthly service charges.
  • Theft Deterent – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and will save you 10% or more.
  • Onboard Data Collection – Policyholders that allow companies to study their driving habits by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if they exhibit good driving behavior.

Remember that some of the credits will not apply to the entire cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Even though the math looks like having all the discounts means you get insurance for free, that’s just not realistic.

A list of auto insurance companies and their offered discounts can be read below.

  • The Hartford offers discounts including driver training, air bag, vehicle fuel type, good student, anti-theft, and defensive driver.
  • American Family may include discounts for Steer into Savings, TimeAway discount, air bags, good driver, early bird, and mySafetyValet.
  • Progressive may offer discounts for good student, online signing, online quote discount, multi-policy, multi-vehicle, continuous coverage, and homeowner.
  • Travelers offers premium reductions for continuous insurance, home ownership, save driver, good student, early quote, multi-car, and new car.
  • Farmers Insurance includes discounts for bundle discounts, distant student, business and professional, youthful driver, switch companies, and multi-car.
  • USAA offers discounts for multi-policy, family discount, new vehicle, safe driver, military installation, multi-vehicle, and defensive driver.
  • Liberty Mutual policyholders can earn discounts including good student, newly married, newly retired, new move discount, safety features, hybrid vehicle, and teen driver discount.

When getting a coverage quote, ask every insurance company which discounts can lower your rates. Discounts may not apply to policies in your area. To choose insurance companies with the best discounts, click here to view.

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

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Insurance is unique, just like you

When buying the right insurance coverage, there is no “perfect” insurance plan. Each situation is unique.

For instance, these questions may help you determine if your insurance needs may require specific advice.

  • How much underlying liability do I need for an umbrella policy?
  • Where can I find high-risk insurance?
  • Do I have newly-aquired coverage?
  • Is my cargo covered for damage or theft?
  • Do I benefit by insuring my home with the same company?
  • Does coverage extend to a rental car in a foreign country?
  • Do I have coverage when pulling a U-Haul trailer?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form.

Auto insurance companies are expert advertisers

Big name companies like State Farm and Allstate constantly bombard you with ads on TV and radio. They all seem to make the point that drivers can save some big amount if you just switch your policy. How do they all offer drivers better rates? Here is how they do it.

Insurance companies have specific guidelines for the type of customer that will generate a profit. For instance, a desirable risk might have to be a married male, has never had a policy lapse, and insures a new vehicle. Someone that hits that “sweet spot” will get low rates and is almost guaranteed to save a lot if they switch.

Potential customers who do not meet those standards will see higher prices which usually ends up with the driver buying from a lower-cost company. The ad wording is “people who switch” not “everybody who quotes” save that much when switching. That is how insurance companies can claim big savings. Because of these techniques, it is so important to compare rate quotes every year. Because without a comparison, you cannot know which company will have the lowest rates for your situation.

Insurance coverage considerations

Having a good grasp of your policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as ambulance fees, X-ray expenses, prosthetic devices and dental work. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible


Liability insurance will cover damage or injury you incur to people or other property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as repair costs for stationary objects, attorney fees, bail bonds and court costs. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Collision coverage protection

Collision coverage will pay to fix damage to your Samurai resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as damaging your car on a curb, colliding with another moving vehicle and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive protection

This pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, damage from getting keyed and damage from flooding. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Suzuki Samurai.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

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

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Smart consumers save more

People change insurance companies for any number of reasons including being labeled a high risk driver, policy non-renewal, an unsatisfactory settlement offer and even extreme rates for teen drivers. Regardless of your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

As you restructure your insurance plan, never reduce coverage to reduce premium. Too many times, someone dropped liability coverage limits only to discover later they didn’t have enough coverage. Your goal is to find the BEST coverage for the lowest cost, but do not skimp to save money.

Throughout this article, we presented quite a bit of information on how to save on 1994 Suzuki Samurai insurance. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the best price on auto insurance is with the least-expected company.

Much more information about auto insurance is available on the following sites: