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 15, 2017

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Looking for the cheapest insurance coverage rates for your Isuzu Trooper? Have you finally had enough of being strong-armed to pay insurance coverage each month? You’re in the same situation as many other consumers. Multiple insurers compete for your hard-earned dollar, and because of this it can be hard to compare insurers to discover the definitive cheapest price

You should take the time to check insurance coverage prices on a regular basis because prices are variable and change quite frequently. Even if you think you had the lowest rates on Trooper insurance two years ago you can probably find a lower rate today. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to the fastest and easiest way to save money, get proper deductibles and limits, all at the lowest rate.

If you have a policy now or need new coverage, you can follow these tips to find better prices and still get good coverage. Finding affordable coverage is not rocket science. Vehicle owners only need an understanding of the proper way to shop for insurance coverage online.

Compare auto insurance quotes

There are several ways to shop for auto insurance, and some are less time-consuming than others. You can waste a lot of time driving to insurance companies in your area, or you can utilize the web to achieve your goal.

Most car insurance companies enroll in a system that enables customers to submit their information once, and each participating company can give them a price based on the submitted data. This prevents consumers from doing repetitive form submissions for each company.

To participate in this free quote system, click here to open in new window.

One minor caviat to comparing rates this way is you can’t choose which companies to receive prices from. If you would rather choose from a list of companies to compare, we have assembled a list of companies who write auto insurance in your area. View list of insurance companies.

It’s up to you which method you use, but make absolute certain that you use identical deductibles and coverage limits with each company. If each company quotes different limits and deductibles on each one you will not be able to make a fair rate comparison.

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

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Tricks in auto insurance advertising

Consumers can’t ignore all the ads that claim the best rates by companies like Allstate, GEICO and Progressive. All the companies try to convey promises that people will save if you get a free insurance coverage quote and switch your coverage to them.

How do they all charge lower premium rates? This is the way they can do it.

All the different companies have specific guidelines for the type of insured that is profitable for them. A good example of a profitable insured may be between the ages of 30 and 50, has had continuous coverage, and drives newer vehicles. Any driver who matches those parameters will qualify for the lowest prices and will most likely cut their rates if they switch.

People who do not match these criteria will have to pay a higher premium which translates to the customer not buying. The trick companies use is to say “people who switch” but not “everyone who gets a quote” save that much. This is how insurance companies can confidently state the savings.

Because every company is different, you absolutely need to get a wide range of price quotes. It is impossible to guess the company that will have the lowest rate quotes.

Educated choices result in lower insurance premiums

Many things are taken into consideration when pricing auto insurance. Some are obvious like an MVR report, but others are more transparent like your continuous coverage or your commute time.

The factors shown below are a few of the “ingredients” companies use to determine premiums.

  • Gender is a factor – The statistics show that women are safer drivers than men. However, don’t assume that women are better drivers. Females and males have auto accidents at about the same rate, but the male of the species have costlier accidents. Men also statistically get more serious tickets such as reckless driving. Male teenagers cause the most accidents and are penalized with high auto insurance rates.
  • Extra policy coverages may be wasting money – There are a ton of extra add-on coverages that may not really be needed if you aren’t careful. Coverages like rental car reimbursement, towing, and additional equipment coverage are probably not needed. They may seem good when discussing your needs, but if you’ve never needed them in the past remove them and pocket the money.
  • Getting married can save on auto insurance – Having a significant other helps lower the price on your policy. It is viewed as being more mature it has been statistically shown that married drivers tend to have fewer serious accidents.
  • Liability coverage claims can be big – The liability coverage on your policy is the coverage that protects you when you are found to be at fault for damages caused by your negligence. Your policy’s liability insurance provides legal defense coverage up to the limits shown on your policy. It is affordable coverage compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Keep auto insurance rates low by being claim-free – Auto insurance companies generally give discounts to insureds who only file infrequent claims. If you are the type of insured that files lots of claims you can look forward to higher rates. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.

Discounts for affordable insurance coverage quotes

Companies that sell car insurance do not list every disount available very well, so the following is a list of both well-publicized and also the lesser-known credits that may apply to you.

  • Responsible Driver Discount – Insureds who avoid accidents can save up to 40% or more on their insurance coverage quote on Trooper insurance than their less cautious counterparts.
  • Early Switch Discount – Select insurance companies give a discount for buying a policy before your current coverage expires. You could save around 10% when you buy insurance coverage online.
  • Senior Citizens – Seniors may be able to get a discount up to 10% on Trooper insurance.
  • Low Mileage Discounts – Fewer annual miles on your Isuzu could earn discounted premium rates on garaged vehicles.
  • Discounts for Government Workers – Having worked for a branch of the government may reduce rates when you quote insurance coverage on Trooper insurance with certain companies.
  • Defensive Driver – Participating in a class that teaches driver safety techniques could earn you a small percentage discount if your company offers it.
  • Good Grades Discount – A discount for being a good student can save 20 to 25%. This discount can apply well after school through age 25.
  • ABS Braking Discount – Cars, trucks, and SUVs equipped with ABS or steering control can reduce accidents and the ABS can save up to 10%.

Consumers should know that some of the credits will not apply the the whole policy. A few only apply to individual premiums such as medical payments or collision. Despite the appearance that all the discounts add up to a free policy, it doesn’t quite work that way.

If you would like to choose from a list of companies with the best insurance coverage discounts, click this link.

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

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You may need specialized insurance coverage

When it comes to choosing the right insurance coverage, there isn’t really a “perfect” insurance plan. Every situation is different so this has to be addressed. For instance, these questions could help you determine if your situation might need professional guidance.

  • What is the difference between comprehensive and collision coverage?
  • Is motorclub coverage worth it?
  • What discounts do I qualify for?
  • Does my personal policy cover me when driving out-of-state?
  • Are my friends covered when driving my 2002 Isuzu Trooper?
  • When does my teenage driver need to be added to my policy?
  • When should I drop full coverage on my 2002 Isuzu Trooper?
  • Is my ex-spouse still covered by my policy?
  • Do I need added coverage for expensive stereo equipment?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Auto insurance coverage basics

Understanding the coverages of a auto insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types available from auto insurance companies.

Medical costs insurance

Med pay and PIP coverage reimburse you for bills for things like hospital visits, X-ray expenses and EMT expenses. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This coverage covers damage to your Trooper resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as crashing into a building, damaging your car on a curb, sustaining damage from a pot hole and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like theft, fire damage, vandalism, falling objects and a tree branch falling on your vehicle. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your 2002 Isuzu Trooper.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these limits are similar to your liability insurance amounts.

Liability auto insurance

Liability coverage protects you from damage that occurs to other people or property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against things such as repair bills for other people’s vehicles, medical expenses, structural damage, emergency aid and court costs. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

More quotes mean more savings

When searching for affordable insurance coverage quotes, make sure you don’t buy less coverage just to save a little money. In many cases, an accident victim reduced comprehensive coverage or liability limits only to find out they didn’t have enough coverage. Your focus should be to purchase plenty of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

In this article, we presented a lot of ways to save on 2002 Isuzu Trooper insurance. The key concept to understand is the more providers you compare, the higher your chance of finding the cheapest insurance coverage. Consumers may even find the biggest savings come from some of the smallest insurance companies. They can often insure niche markets at a lower cost compared to the large companies like Allstate, GEICO and Progressive.

Much more information about auto insurance can be read at the links below