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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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Nov 23, 2017

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Want cheaper auto insurance rates for your Suzuki Esteem? If shopping for auto insurance online is new to you, you may be overwhelmed by the large number of auto insurance companies all offering big savings.

It’s important to check auto insurance prices on a regular basis because insurance rates are rarely the same from one policy term to another. Even if you think you had the best deal for Esteem insurance last year other companies may now be cheaper. Starting right now, ignore everything you know about auto insurance because we’re going to show you one of the quickest ways to save money, get proper coverage and the best rates.

Discounts on 2000 Suzuki Esteem insurance

Companies that sell car insurance do not list every discount in an easy-to-find place, so we break down some of the best known and also the lesser-known savings tricks you should be using.

  • Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
  • Good Student – A discount for being a good student can earn a discount of 20% or more. This discount can apply until age 25.
  • Early Signing – Some insurance companies reward drivers for switching to them prior to your current policy expiration. This can save 10% or more.
  • Life Insurance – Some companies give lower rates if you buy life insurance from them.
  • Accident Waiver – Certain companies will allow you to have one accident without raising rates so long as you haven’t had any claims for a set time period.
  • Resident Student – Children living away from home attending college without a vehicle on campus can receive lower rates.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.

It’s important to note that most credits do not apply to the overall cost of the policy. Most only reduce specific coverage prices like liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky.

Car insurance companies that may have these money-saving discounts include:

Double check with every prospective company how you can save money. All car insurance discounts may not be available in your area.

How to Get Cheap Auto Insurance

Most major insurance companies such as Allstate and Progressive quote price estimates directly from their websites. The process is pretty easy as you simply type in the coverages you want as requested by the quote form. Behind the scenes, their rating system will obtain credit information and your driving record and returns a price quote based on these factors.

Quoting online helps simplify price comparisons, but the time required to go to a lot of sites and complete many quote forms gets old quite quickly. Unfortunately, it is important to perform this step if you are searching for the best price on auto insurance.

There is a better way to compare rates

A less time-consuming method to find cheaper rates makes use of a single form that gets prices from many companies. It’s a real time-saver, helps eliminate reptitive entry, and makes price shopping online a lot less work. As soon as the form is sent, it is rated with multiple companies and you can pick any one of the price quotes you receive. If the quotes result in lower rates, it’s easy to complete the application and buy the policy. This process takes just a few minutes to complete and you’ll know if lower rates are available.

To compare pricing, simply click here to open in new window and fill out the form. If you have a policy now, it’s recommended you input the insurance coverages exactly as shown on your declarations page. This makes sure you will have comparison quotes based on the exact same insurance coverage.

Tailor your coverage to you

When it comes to buying adequate coverage, there is no cookie cutter policy. Every insured’s situation is different.

Here are some questions about coverages that may help highlight whether your personal situation would benefit from an agent’s advice.

  • Are rental cars covered under my policy?
  • Should I have a commercial auto policy?
  • How can I get my company to pay me more for my totalled car?
  • Do I need roadside assistance coverage?
  • Is my 2000 Suzuki Esteem covered for smoke damage?
  • How much liability coverage do I need in my state?
  • Does medical payments coverage apply to all occupants?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, complete this form.

Specific coverages for a 2000 Suzuki Esteem

Learning about specific coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Uninsured or underinsured coverage – This gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Suzuki Esteem.

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. For this reason, having high UM/UIM coverages is very important.

Collision – Collision insurance pays for damage to your Esteem caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as hitting a parking meter, hitting a mailbox, crashing into a ditch, crashing into a building and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Auto liability – This coverage protects you from damages or injuries you inflict on other people or property by causing an accident. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged property.

Liability can pay for things such as legal defense fees, repair costs for stationary objects, repair bills for other people’s vehicles, medical services and emergency aid. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive protection – This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from flooding, hitting a bird and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense coverage – Med pay and PIP coverage kick in for bills for things like funeral costs, doctor visits, X-ray expenses and rehabilitation expenses. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Smart consumers save more

Insureds switch companies for a number of reasons such as questionable increases in premium, extreme rates for teen drivers, lack of trust in their agent or even denial of a claim. It doesn’t matter why you want to switch finding the right car insurance provider is less work than it seems.

The cheapest 2000 Suzuki Esteem insurance can be sourced on the web and with local insurance agents, and you should compare price quotes from both to have the best rate selection. Some car insurance companies do not offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

As you shop your coverage around, it’s not a good idea to reduce needed coverages to save money. In too many instances, consumers will sacrifice full coverage and discovered at claim time that it was a big error on their part. The aim is to buy the best coverage you can find at a price you can afford.

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