1992 Suzuki Swift Insurance Quotes

Searching for cheaper auto insurance rates for your Suzuki Swift? Finding and buying car insurance is not a task people like to do, but regardless it’s required before you can go for a ride.

It’s a good habit to do rate comparisons yearly due to the fact that insurance rates are usually higher with each renewal. Just because you found the best deal on Swift insurance last year you can probably find a better price now. Starting right now, forget all the misinformation about auto insurance because I’m going to teach you the only way to save on auto insurance.

Car Insurance Quote Comparison

Comparing car insurance rates can be challenging if you don’t know the most efficient way to do it. You could waste time discussing policy coverages with local insurance agents in your area, or you could use the internet to quickly compare rates.

Many companies belong to an insurance system where insurance shoppers submit their information once, and every company then gives them pricing based on that information. This saves time by eliminating quote requests to each company.

To participate in this free quote system, click here to start a free quote.

One minor caviat to doing it this way is you cannot specify which insurance companies to get quotes from. So if you prefer to choose individual companies to compare rates, we put together a list of low cost car insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just make absolute certain that you use apples-to-apples coverages and limits with every price quote. If you compare different limits and deductibles on each one it’s impossible to truly determine the lowest rate. Quoting even small variations in insurance coverages can mean a large discrepancy in price. And when quoting car insurance, remember that comparing more company’s prices will increase your chances of finding the best price.

Save money by taking advantage of these discounts

Insurance can be prohibitively expensive, but there are discounts available that can drop the cost substantially. Larger premium reductions will be automatically applied at the time you complete a quote, but some must be manually applied before being credited.

  • Homeowners Savings – Owning a home can save you money because maintaining a house is proof that your finances are in order.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks with the same company could earn a price break for each car.
  • 55 and Retired – If you’re over the age of 55, you may be able to get reduced rates on Swift insurance.
  • Accident Waiver – Certain companies allow you one accident without raising rates if you are claim-free prior to the accident.
  • Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% on Swift insurance with certain companies.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts may earn rate discounts of more than 20%.

Consumers should know that some credits don’t apply to the entire cost. Some only apply to individual premiums such as medical payments or collision. Even though it may seem like all the discounts add up to a free policy, insurance companies aren’t that generous. But any discount will help reduce your overall premium however.

A partial list of companies that may offer these benefits are:

Before buying, ask all companies you are considering which discounts you may be entitled to. All car insurance discounts may not apply in every state.

When should I use an insurance agent?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Every situation is different.

For example, these questions may help highlight whether you could use an agent’s help.

  • How much can I save by bundling my policies?
  • Should I have combined single limit or split liability limits?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Why am I required to buy high-risk coverage?
  • At what point should I drop full coverage?
  • Do I have coverage for damage caused while driving under the influence?
  • Are my friends covered when driving my car?
  • Can I afford to pay high deductible claims out of pocket?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form.

Impacting insurance rates for a Suzuki Swift

Consumers need to have an understanding of the different types of things that come into play when calculating your insurance rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that can help you get big savings.

  • Always keep insurance in force – Allowing your insurance policy to lapse is a sure-fire way to increase your insurance rates. And not only will insurance be more expensive, failure to provide proof of insurance might get you a hefty fine and possibly a revoked license.
  • Your occupation can affect rates – Careers like judges, architects and dentists have the highest average rates due to high stress and long work days. Other occupations like pilots, historians and retirees get better rates on Swift insurance.
  • Protect your assets with liability insurance – Your policy’s liability coverage is the protection in the event that you are found to be at fault for damages from an accident. It provides legal defense coverage starting from day one. Liability is cheap as compared to coverage for physical damage, so do not skimp.
  • A clean driving record saves money – A bad driving record has a huge affect on how much you pay. Careful drivers receive lower rates than people who have multiple driving citations. Even a single speeding ticket can boost insurance rates by twenty percent. If you have severe violations like reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
  • Marriage brings a discount – Being married can get you a discount on your insurance policy. Marriage is viewed as being more responsible and statistics show being married results in fewer claims.
  • Your location affects your rates – Choosing to live in a small town has it’s advantages when buying insurance. Fewer people translates into fewer accidents and also fewer theft and vandalism claims. Drivers in populated areas tend to have congested traffic and a longer drive to work. Longer commute distances translates into higher accident risk.

Ads can be misleading

Insurance coverage companies such as Allstate, Geico and Progressive continually stream ads on television and other media. They all seem to make the same claim about savings after switching your coverage to them. How can each company make almost identical claims? It’s all in the numbers.

Insurance companies have a certain “appetite” for the right customer that makes them money. An example of a preferred risk might be profiled as between 30 and 50, owns a home, and drives less than 7,500 miles a year. A customer getting a price quote that hits that “sweet spot” gets the lowest rates and most likely will save quite a bit of money when switching.

Potential customers who fall outside this ideal profile will be charged higher rates and ends up with business going elsewhere. The ad wording is “customers who switch” not “everybody who quotes” save that kind of money. This is how companies can truthfully advertise the savings.

That is why you should quote coverage with many companies. Because you never know the company that will have the lowest Suzuki Swift insurance rates.

Coverages available on your policy

Understanding the coverages of your policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Liability insurance

Liability coverage protects you from damage or injury you incur to other people or property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like court costs, bail bonds, loss of income and funeral expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like EMT expenses, prosthetic devices, funeral costs and ambulance fees. They are used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Suzuki Swift.

Since many 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. Usually these coverages do not exceed the liability coverage limits.

Comprehensive car insurance

This covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hitting a bird, hail damage, theft and a broken windshield. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sustaining damage from a pot hole, crashing into a building, rolling your car, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Do the work, save more money

Affordable 1992 Suzuki Swift insurance can be bought both online as well as from independent agents, so you should be comparing quotes from both to have the best rate selection. Some companies don’t offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

We covered many tips how you can shop for insurance online. The key thing to remember is the more rate quotes you have, the higher your chance of finding lower rates. Consumers could even find that the lowest priced insurance coverage comes from a lesser-known regional company.

People switch companies for a number of reasons such as an unsatisfactory settlement offer, being labeled a high risk driver, questionable increases in premium or delays in paying claims. Regardless of your reason for switching companies, finding a great new company is not as hard as you think.

More detailed insurance coverage information is available by following these links: