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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Finding better insurance prices for your Isuzu Trooper can turn out to be a painful process, but you can follow a few tricks to find lower rates. There is a right way and a wrong way to compare auto insurance rates and we’ll show you the absolute fastest way to get price quotes for a new or used Isuzu and find the cheapest rates.

It’s a good idea to price shop coverage on a regular basis because prices change quite often. Even if you got the best deal on Trooper coverage two years ago a different company probably has better premium rates today. Block out anything you think you know about auto insurance because I’m going to teach you the quickest way to reduce your cost while increasing coverage.

Discounts to earn lower-cost auto insurance rates

Some insurance providers don’t always advertise every discount very clearly, so the next list breaks down both the well known in addition to some of the lesser obvious auto insurance savings. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Accident-Free Discounts – Insureds who avoid accidents and claims are rewarded with significantly better rates on insurance coverage quote when compared to accident-prone drivers.
  • Responsible Drivers – Accident-free drivers could pay up to 40% less on Trooper coverage compared to accident prone drivers.
  • Employee of Federal Government – Active or former government employment could cut as much as 10% off on Trooper coverage with some auto insurance companies.
  • Multi-car Discount – Purchasing coverage when you have multiple vehicles with the same company could earn a price break for each car.
  • Senior Citizen Rates – Older drivers are able to get reduced rates on Trooper coverage.
  • Good Student Discount – This discount may save you up to 25%. This discount can apply until age 25.
  • Safety Course Discount – Passing a safe driver course is a good idea and can lower rates if your company offers it.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to your bottom line cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, nobody gets a free ride. Any amount of discount will bring down your policy premium.

Companies and some of their more popular discounts are:

  • GEICO discounts include good student, air bags, multi-policy, seat belt use, multi-vehicle, driver training, and military active duty.
  • Mercury Insurance policyholders can earn discounts including multi-car, good driver, low natural disaster claims, anti-theft, location of vehicle, annual mileage, and ease of repair.
  • Farmers Insurance offers discounts for pay in full, business and professional, mature driver, switch companies, and youthful driver.
  • Auto-Owners Insurance has savings for safe vehicle, mature driver, teen driver, group or association, air bags, anti-theft, and safe driver.
  • Liberty Mutual offers discounts including newly retired, new vehicle discount, teen driver discount, multi-policy, exclusive group savings, and preferred payment discount.
  • SAFECO may have discounts that include anti-lock brakes, drive less, teen safe driver, accident prevention training, anti-theft, and bundle discounts.
  • Progressive has discounts for online quote discount, homeowner, multi-vehicle, online signing, good student, and continuous coverage.
  • USAA may include discounts for defensive driver, family discount, safe driver, loyalty savings, and multi-vehicle.

If you need cheap insurance coverage quotes, ask each insurance company the best way to save money. Depending on the company, some discounts may not be offered in your area. If you would like to see a list of auto insurance companies who offer cheap auto insurance quotes, click here.

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

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Low cost insurance

Shopping for lower insurance rates can be challenging if you don’t know the most efficient way. You can waste hours talking to agents in your area, or you could save time and use online quoting to get rate comparisons in just a few minutes.

Most major companies participate in a marketplace where insurance shoppers enter their coverage request one time, and each participating company then returns a price quote. This system prevents you from having to do quotation requests to each individual insurance company.

To use this form to compare rates click here to start a free quote.

The one disadvantage to comparing rates this way is that you can’t choose which carriers you want pricing from. If you prefer to choose from a list of companies to compare, we have assembled a list of the cheapest insurance companies in your area. View list of insurance companies.

Whichever way you use, ensure you’re using apples-to-apples deductibles and coverage limits for each comparison quote. If you have different values for each quote it will be impossible to determine the best price for your Isuzu Trooper.

How you can control Isuzu Trooper insurance rates

Part of the insurance buying process is learning a few of the rating criteria that play a part in calculating your premiums. If you know what determines base rates, this empowers consumers to make smart changes that may result in cheaper rates. Lots of things are considered when you get your auto insurance bill. Some are pretty understandable like an MVR report, but other criteria are less obvious such as whether you are married or how financially stable you are.

  • Teen drivers are expensive to insure – Teenage drivers have been known to be easily distracted when behind the wheel therefore insurance rates are much higher. If you’ve ever had to add a beginning driver to your policy can be quite pricey. Older drivers are proven to be safer behind the wheel, file fewer claims and tend to be get fewer driving tickets.
  • Your car’s features help determine rates – Choosing a vehicle with anti-theft technology or alarm system can get you a discount on your insurance. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart vehicle theft.
  • Small coverages can add up – There are a lot of extra bells and whistles you can purchase when buying insurance. Coverage for things like personal injury protection, accidental death, and additional equipment coverage are probably not needed. They may seem good at first, but if you’ve never needed them in the past consider taking them off your policy.
  • Your liability limits – Liability insurance kicks in when you are determined to be liable for causing personal injury or damage in an accident. It will provide legal defense coverage which can cost a lot. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Multiple policies with one company can save – Lots of insurance companies will give better rates for people who consolidate policies with them. It’s known as a multi-policy discount. The amount of the discounts can be 10 percent or more. Even if you’re getting this discount drivers will still want to get quotes from other companies to help guarantee you have the best rates. Consumers may find a better deal by insuring with multiple companies.
  • Having a spouse can save you money – Having a significant other may cut your premiums on your insurance bill. Having a significant other generally demonstrates drivers are less irresponsible and it’s proven that drivers who are married file infrequent claims.

Tailor your insurance coverage to you

When buying adequate coverage for your vehicles, there is no cookie cutter policy. Every insured’s situation is different.

These are some specific questions might point out if you might need an agent’s assistance.

  • When should I remove comp and collision on my 1998 Isuzu Trooper?
  • Does my medical payments coverage pay my health insurance deductible?
  • Am I covered when pulling a rental trailer?
  • Do I need special endorsements for business use of my vehicle?
  • Do I need replacement cost coverage?
  • What is medical payments coverage?
  • When would I need additional glass coverage?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

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

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Car insurance coverages 101

Knowing the specifics of a car insurance policy helps when choosing appropriate coverage for your vehicles. Car insurance terms can be impossible to understand and reading a policy is terribly boring.

Liability coverages

This will cover damage that occurs to other’s property or people. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against claims like bail bonds, medical services, attorney fees, loss of income and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

UM/UIM Coverage

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

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like funeral costs, surgery, X-ray expenses and nursing services. They are often utilized in addition to your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Auto collision coverage

This coverage covers damage to your Trooper resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like rolling your car, backing into a parked car, scraping a guard rail and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as theft, a tree branch falling on your vehicle, fire damage and a broken windshield. The most a car 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.

Be a smart shopper

Consumers change insurance companies for a variety of reasons including not issuing a premium refund, being labeled a high risk driver, policy non-renewal and even delays in paying claims. Regardless of your reason for switching companies, finding a new insurance company is less work than it seems.

As you go through the steps to switch your coverage, do not buy less coverage just to save a little money. In too many instances, consumers will sacrifice full coverage only to discover later that they should have had better coverage. The ultimate goal is to purchase a proper amount of coverage at the lowest possible cost while still protecting your assets.

There are still a few companies who don’t offer the ability to get a quote online and most of the time these small, regional companies work with local independent agencies. Budget-conscious 1998 Isuzu Trooper insurance is attainable both online and also from your neighborhood agents, and you should be comparing both to get a complete price analysis.

Much more information about insurance can be found below: