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1997 Isuzu Oasis Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 16, 2021

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Finding lower rates for insurance coverage is always difficult for people who are new to shopping for insurance online. There are so many options that it can easily become more work than you anticipated to find lower rates.

It is always a good idea to take a look at other company’s rates occasionally since rates trend upward over time. Despite the fact that you may have had the best price on Oasis insurance two years ago there is a good chance you can find better rates now. So just block out anything you think you know about insurance coverage because I’m going to teach you the best way to find lower rates on insurance coverage.

Lots of discounts mean lots of savings

The price of auto insurance can be rather high, but you can get discounts to help offset the cost. A few discounts will automatically apply at the time you complete a quote, but a few must be manually applied before you get the savings.

  • Defensive Driving Course – Completing a course in driver safety can save you 5% or more if your company offers it.
  • Passive Restraints and Air Bags – Vehicles with factory air bags may earn rate discounts up to 30%.
  • Use Seat Belts – Drivers who require all occupants to use a seat belt can save up to 15% off your medical payments premium.
  • Homeowners Savings – Owning a house can save you money because owning a home requires personal responsibility.
  • Accident Free – Drivers who don’t have accidents pay much less as compared to bad drivers.
  • No Charge for an Accident – A handful of insurance companies will forgive one accident without raising rates as long as you don’t have any claims for a set time period.

Drivers should understand that most discounts do not apply to the overall cost of the policy. A few only apply to specific coverage prices like liability, collision or medical payments. So when it seems like you can get free auto insurance, you won’t be that lucky. But all discounts will reduce the cost of coverage.

A partial list of companies that may have these discounts include:

  • State Farm
  • Progressive
  • 21st Century
  • American Family
  • The Hartford
  • AAA

Double check with all companies you are considering how you can save money. Some discounts may not be available everywhere.

Situations that might require an agent

When choosing the right insurance coverage, there really is no cookie cutter policy. Everyone’s situation is unique.

For instance, these questions may help you determine if your situation would benefit from professional advice.

  • Can I afford to pay high deductible claims out of pocket?
  • Do I need motorclub coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • What if I total my 1997 Isuzu Oasis and owe more than it’s worth?
  • Do I need replacement cost coverage?
  • What exactly is covered by my policy?
  • Does my insurance cover my expensive audio equipment?
  • Should I buy full coverage?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Do drivers who switch really save?

Allstate, GEICO and Progressive regularly use ads on television and other media. All the companies have a common claim that you can save if you move to their company. But how can every company make almost identical claims?

All the different companies have a preferred profile for the type of customer they prefer to insure. An example of a driver they prefer might be between 25 and 40, owns a home, and drives less than 10,000 miles a year. A propective insured who meets those qualifications will qualify for the lowest rates and therefore will save when they switch companies.

Consumers who don’t qualify for the “perfect” profile will be quoted higher rates and this can result in the customer not buying. The ad wording is “customers who switch” not “everybody who quotes” save that kind of money. That is how companies can make those claims.

This emphasizes why you should get quotes from several different companies. It’s impossible to know the company that will have the lowest Isuzu Oasis insurance rates.

What insurance coverages do you need?

Learning about specific coverages of a insurance policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like dental work, surgery, X-ray expenses, doctor visits and chiropractic care. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Collision coverages – This coverage covers damage to your Oasis resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like rolling your car, colliding with another moving vehicle, backing into a parked car and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Liability coverages – Liability coverage can cover damages or injuries you inflict on other people or property. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show 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. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as attorney fees, funeral expenses, medical services, bail bonds and court costs. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Comprehensive coverage – This pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as fire damage, damage from flooding, hitting a bird, falling objects and rock chips in glass. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage – This coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Isuzu Oasis.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits do not exceed the liability coverage limits.

Be a money saver!

As you shop your coverage around, it’s not a good idea to skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice collision coverage to discover at claim time that it was a big error on their part. Your strategy should be to buy a smart amount of coverage at an affordable rate.

We just showed you a lot of information how to compare 1997 Isuzu Oasis insurance prices online. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Drivers may discover the most savings is with the least-expected company.

Cheaper insurance is possible online as well as from independent agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies don’t offer the ability to get a quote online and these regional insurance providers work with independent agents.

To read more, take a look at the resources below:

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