1990 Suzuki Swift Car Insurance Cost – 5 Policy Discounts

Searching for lower insurance rates for your Suzuki Swift? Perplexed by the crazy number of insurance options? Many other drivers are as well. People have so many companies to choose from that it can be a real hassle to find lower rates.

It’s smart to get comparison quotes once or twice a year since insurance rates change regularly. Even if you got the best deal for Swift insurance on your last policy you will most likely find a better rate today. There is a lot of bad advice regarding insurance online, so with this article, you’re going to get a bunch of ideas how to quit paying high insurance rates.

The quickest method we recommend to compare insurance rates in your area is to know auto insurance companies actually pay money for the chance to give rate comparisons. All consumers are required to do is provide information including driver details, the year, make and model of vehicles, whether you are single or married, and whether or not you need a SR-22. The data is instantly sent to multiple different insurance companies and you get price estimates quickly.

To compare rates for a 1990 Suzuki Swift now, click here then complete the form.

These five discounts can slash car insurance rates

Companies that sell car insurance don’t necessarily list all their discounts very well, so the following is a list of some of the best known as well as the least known savings tricks you should be using.

  • Low Mileage Discounts – Keeping the miles down on your Suzuki could be rewarded with a substantially lower rate.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.
  • E-sign – A few companies will discount your bill up to fifty bucks just for signing your application digitally online.
  • Discount for Good Grades – This discount can earn a discount of 20% or more. This discount can apply until age 25.
  • One Accident Forgiven – Some insurance companies permit an accident before your rates go up so long as you haven’t had any claims prior to the accident.

Consumers should know that some credits don’t apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, it doesn’t quite work that way.

Companies who might offer these benefits may include but are not limited to:

Check with all companies you are considering which discounts they offer. Savings might not apply in every state.

When might I need the advice of an agent?

When it comes to buying coverage, there really is no cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine if your insurance needs could use an agent’s help.

  • When does my teenage driver need to be added to my policy?
  • Am I covered when driving in Canada or Mexico?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What is medical payments coverage?
  • Am I covered if I hit a deer?
  • Is motorclub coverage worth it?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form.

Specifics of your insurance policy

Learning about specific coverages of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for short-term medical expenses for dental work, surgery and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive insurance – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, hitting a deer and hail damage. 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 probably time to drop comprehensive insurance.

Collision – Collision coverage pays for damage to your Swift caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a mailbox, backing into a parked car, scraping a guard rail, driving through your garage door and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 1990 Suzuki Swift.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Liability coverage – Liability coverage can cover damage that occurs to people or other property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability can pay for things like bail bonds, medical expenses, medical services, funeral expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.