Compare 1993 Suzuki Swift Insurance Cost

Have you had enough of not being able to afford to pay your car insurance bill each month? You’re in the same situation as many other drivers. Drivers have so many insurance companies to buy insurance from, and though it is a good thing to have a selection, it makes it harder to adequately compare rates.

Free Insurance Quotes

Shopping for lower insurance rates can be a daunting task if you don’t understand the best way to get rate quotes. You could waste time talking about coverages with agents in your area, or you could save time and use the internet to accomplish the same thing much quicker.

Most of the larger companies participate in an industry program that enables customers to only type in their quote data once, and every company returns a competitive quote for coverage. This saves time by eliminating form submissions for each company you want a rate for.

To enter your information into the quoting system, click here to open in new window.

The only downside to getting quotes like this is you don’t know exactly which providers to get pricing from. If you wish to select individual companies to request quotes from, we have a listing of the cheapest insurance companies in your area. Click here to view list.

It’s up to you which method you use, but ensure you are comparing exactly the same coverages with each company. If you enter different values for each quote it’s impossible to make an equal comparison.

Be sure to get all your discounts

Car insurance can cost a lot, but you may find discounts that can drop the cost substantially. Some discounts apply automatically at the time of quoting, but a few must be specially asked for before you get the savings. If they aren’t giving you every credit possible, you are paying more than you should be.

Multi-car Discount – Buying insurance for more than one vehicle on one policy can get a discount on all vehicles.
Multi-policy Discount – When you have multiple policies with the same insurance company you may earn approximately 10% to 15%.
Homeowners Pay Less – Simply owning a home may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
Passive Restraints and Air Bags – Factory air bags or motorized seat belts can receive discounts of 20% or more.
One Accident Forgiven – Some insurance companies will allow you to have one accident before your rates go up if your claims history is clear prior to the accident.
Government Employees – Active or retired federal employment could cut as much as 10% off for Swift coverage depending on your company.
Good Students Pay Less – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
Paperwork-free – A handful of insurance companies may give you up to $50 simply for signing online.

It’s important to understand that some credits don’t apply to all coverage premiums. Most cut the cost of specific coverages such as liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, companies don’t profit that way. But any discount will help reduce your overall premium however.

For a list of insurers with discount insurance rates, click here.

How do I know if I need professional advice?

When buying the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions can help discover if your situation would benefit from professional advice.

What vehicles should carry emergency assistance coverage?
Do I have coverage when pulling a U-Haul trailer?
Does coverage extend to a rental car in a foreign country?
When can my company non-renew my policy?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Is pleasure use cheaper than using my 1993 Suzuki Swift to commute?
Do I need replacement cost coverage?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, free and you can get the answers you need.

Specific coverages for a Suzuki Swift

Having a good grasp of your car insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types found on most car insurance policies.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like hospital visits, doctor visits, surgery and prosthetic devices. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Auto collision coverage

This will pay to fix damage to your Swift from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sustaining damage from a pot hole, driving through your garage door, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Liability insurance

This will cover damage or injury you incur to people or other property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like attorney fees, emergency aid and pain and suffering. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Comprehensive protection

This covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a deer, a broken windshield, a tree branch falling on your vehicle, vandalism and rock chips in glass. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Suzuki Swift.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time these coverages do not exceed the liability coverage limits.