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2006 Isuzu i-Series 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: Feb 27, 2020

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Searching for better insurance rates? Consumers have a choice when looking for the lowest priced Isuzu i-Series insurance. You can either waste hours calling around trying to get quotes or use the internet to make rate comparisons. There is a better way to compare insurance rates so you’re going to learn the proper way to get price quotes for a new or used Isuzu and find the cheapest rates from local insurance agents and online providers.

It’s smart to do rate comparisons yearly because prices go up and down regularly. Just because you had the lowest rates on i-Series insurance a few years ago you will most likely find a better rate today. There is a lot of bad information regarding insurance online, so we’re going to give you some good information on how to quit paying high insurance rates.

Buying car insurance is not rocket science. If you have car insurance now, you will most likely be able to reduce your rates substantially using these techniques. Drivers just need to know the proper methods to buy car insurance over the internet.

Cut prices on Isuzu i-Series insurance

Auto insurance companies don’t always publicize every discount in an easy-to-find place, so we break down both well-publicized as well as the least known insurance coverage savings. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Discount for Swiching Early – Some companies give discounts for buying a policy prior to your current policy expiring. The savings is around 10%.
  • New Car Discount – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on i-Series insurance than drivers with accidents.
  • Good Student Discount – This discount can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Clubs and Organizations – Belonging to a civic or occupational organization could qualify you for a break when shopping for insurance coverage on i-Series insurance.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% on i-Series insurance with a few insurance coverage companies.
  • Low Mileage – Fewer annual miles on your Isuzu could qualify for better rates on cars that stay parked.
  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can qualify for discounts up to 30%.

As a disclaimer on discounts, some credits don’t apply to the overall cost of the policy. A few only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, it doesn’t quite work that way.

A partial list of companies that possibly offer some of the above discounts include:

It’s a good idea to ask all companies you are considering which discounts they offer. All car insurance discounts may not apply in your area.

How to Compare Car Insurance Costs

Getting a lower price on 2006 Isuzu i-Series insurance can be surprisingly simple. You just have to take the time to compare rate quotes online from several insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

  1. One of the best ways consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This form saves time by eliminating multiple quote forms for every car insurance company. Taking the time to complete one form will return quotes from multiple low-cost companies. This is by far the quickest method.
  2. A less efficient way to get quotes online consists of going to each company’s website and request a quote. For examples sake, let’s say you want to compare rates from Farmers, Safeco and Progressive. To get each rate you have to take the time to go to each site to enter your coverage information, which is why most consumers use the first method.

    For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, be sure to compare apples-to-apples coverages and limits for each comparison quote. If you have unequal deductibles or liability limits you can’t possibly make a fair comparison for your Isuzu i-Series.

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Tailor your coverage to you

When buying coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different.

These are some specific questions may help highlight whether you might need an agent’s assistance.

  • How can I get my company to pay me more for my totalled car?
  • Do I need added coverage for expensive stereo equipment?
  • At what point should I drop full coverage?
  • Is my babysitter covered when using my vehicle?
  • Am I covered if I drive in a foreign country?
  • When does my teenage driver need to be added to my policy?
  • Why do I need rental car insurance?
  • Are there companies who specialize in insuring high-risk drivers?
  • Does my liability insurance cover pulling a trailer or camper?
  • What are the financial responsibility laws in my state?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and can provide invaluable advice.

Save $387 a year. For real?

Consumers can’t ignore all the ads that promise big savings by Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise of big savings if you switch to their company.

But how can every company claim to save you money? This is how they do it.

All the different companies are able to cherry pick for the right customer that is profitable for them. For example, a desirable insured could possibly be over the age of 50, is a homeowner, and has a high credit rating. A propective insured who meets those qualifications gets the lowest rates and as a result will probably pay quite a bit less when switching companies.

Drivers who do not match the “perfect” profile will have to pay higher prices which usually ends up with business going elsewhere. Company advertisements say “customers that switch” not “people who quote” save that much. That’s the way companies can truthfully make those claims. Because of the profiling, you absolutely need to get as many comparisons as possible. It’s just too difficult to predict which insurance companies will give you the biggest savings on Isuzu i-Series insurance.

Insurance specifics

Knowing the specifics of your insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive auto coverageComprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, vandalism, hitting a bird, falling objects and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance reimburse you for expenses such as rehabilitation expenses, chiropractic care and ambulance fees. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for liability – This protects you from damage or injury you incur to a person or their property by causing an accident. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like attorney fees, funeral expenses, repair bills for other people’s vehicles, emergency aid and bail bonds. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverages – This coverage pays for damage to your i-Series caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a ditch, rolling your car, hitting a parking meter, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

More quotes mean more savings

As you prepare to switch companies, make sure you don’t buy less coverage just to save a little money. There have been many cases where someone dropped full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase a proper amount of coverage for the lowest price while still protecting your assets.

We covered many tips how you can lower your 2006 Isuzu i-Series insurance rates. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the best price on car insurance is with a small local company.

People who switch companies do it for any number of reasons including extreme rates for teen drivers, high rates after DUI convictions, policy cancellation and not issuing a premium refund. Regardless of your reason for switching companies, finding a new company is less work than it seems.

Additional car insurance information can be found below:

Use our FREE quote tool to compare rates now!

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

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