Compare 1996 Suzuki Swift Insurance Rates

Want lower insurance coverage rates? Drivers have a choice when trying to find low-cost Suzuki Swift insurance. You can either waste hours struggling with agents getting price quotes or use the internet to find the lowest rates.

There are more efficient ways to compare insurance coverage rates and you need to know the best way to compare rates for your Suzuki and find the cheapest rates from both online companies and local agents.

It’s a good idea to shop coverage around occasionally because insurance rates change quite often. If you had the best rates for Swift coverage on your last policy the chances are good that you can find a lower rate today. You can find a lot of wrong information about insurance coverage on the web, but by reading this article, you’re going to learn some of the best ways to stop overpaying for insurance.

This information will let you in on how car insurance quotes work. If you are paying for car insurance now, you will be able to lower your premiums substantially using these methods. Drivers just need to know how to shop their coverage around online.

Low Cost Auto Insurance

Lowering your 1996 Suzuki Swift auto insurance rates doesn’t have to be difficult. Just take the time to compare quotes from different insurance companies. It is quite easy and can be accomplished in several different ways.

  1. The recommended way to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This easy form eliminates the need for separate quote forms for every auto insurance company. Just one form compares rates from all major companies. It’s the fastest way to compare.
  2. Another way to compare prices is to take the time to go to the website of each company and fill out their own quote form. For sake of this example, let’s assume you want comparison quotes from Geico, Farmers and American Family. You would have to visit each site and enter your information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

Whichever way you use, ensure you are comparing the exact same coverage limits and deductibles on every quote you get. If you are comparing different liability limits it will be next to impossible to make an equal comparison.

Best discounts on 1996 Suzuki Swift coverage

The cost of insuring your cars can be expensive, but you can get discounts to help offset the cost. Some discounts apply automatically when you get a quote, but a few need to be manually applied before you get the savings. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • Federal Government Employee – Active or retired federal employment can earn a discount up to 10% for Swift coverage with certain companies.
  • Theft Prevention System – Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
  • 55 and Retired – Mature drivers may qualify for a small decrease in premiums for Swift coverage.
  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Multiple Cars – Buying coverage for all your vehicles on the same insurance policy could earn a price break for each car.
  • Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts can save 10% or more off the personal injury premium cost.
  • Student in College – Kids in college living away from home attending college and do not have a car can be insured at a reduced rate.
  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. The good student discount can last well after school through age 25.

Consumers should know that many deductions do not apply to the entire cost. Most only reduce specific coverage prices like liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, it doesn’t quite work that way. But any discount will help reduce the amount you have to pay.

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

Check with each company which discounts they offer. Discounts might not be offered in every state.

These factors can influence what you pay for Suzuki Swift insurance

An important part of buying insurance is that you know the different types of things that come into play when calculating the rates you pay for insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

The list below includes a few of the “ingredients” used by your company to calculate rates.

  • Safer cars cost less to insure – Safer cars get lower rates. Safer cars reduce injuries and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates. If the Suzuki Swift earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Lower rates come with age – Youthful drivers are known to be less responsible behind the wheel so they pay higher insurance rates. Having to add a youthful driver to your policy can really hurt. Older drivers tend to be more responsible, tend to cause fewer accidents and receive fewer citations.
  • Being married can save on insurance – Getting married can actually save you money on your insurance policy. It means you’re more mature and it’s proven that drivers who are married are more cautious.
  • Never go without insurance – Driving your car without having proper coverage is a misdemeanor and you will pay a penalty because you let your coverage lapse. Not only will rates go up, getting caught without coverage will get you a revoked license or a big fine.
  • Clean credit earns discounts – Having a bad credit score is a large factor in determining what you pay for insurance. Therefore, if your credit is lower than you’d like, you could save money insuring your 1996 Suzuki Swift by spending a little time repairing your credit. Drivers who have excellent credit tend to be better drivers and file fewer claims than those with poor credit.

Tailor your coverage to you

When choosing the right insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s needs are different.

For example, these questions could help you determine whether or not you could use an agent’s help.

  • Do I need rental car coverage?
  • Are rock chip repairs covered?
  • I don’t drive much so do I pay less?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does my car insurance cover rental cars?
  • Why do I only qualify for high-risk insurance?
  • What if I don’t agree with a claim settlement offer?
  • Are split liability limits better than a combined single limit?
  • Does coverage extend to a rental car in a foreign country?
  • Why is insurance for a teen driver so high?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, simply complete this short form. It’s fast, free and may give you better protection.

Save $422 a year? Really?

Drivers can’t get away from ads for the lowest price auto insurance from companies such as Allstate, Geico and Progressive. All the companies make the same claim that you can save if you change your policy.

But how can every company say the same thing?

Insurance companies have a certain “appetite” for the driver they prefer to insure. A good example of a desirable insured might be between 30 and 50, insures multiple vehicles, and has a short commute. A propective insured that hits that “sweet spot” receives the best rates and therefore will save quite a bit of money when switching.

Consumers who don’t meet this ideal profile will have to pay more money and ends up with the customer not buying. The ad wording is “people who switch” not “everybody who quotes” save that much money. That is how insurance companies can advertise the way they do.

Because of the profiling, drivers should get as many comparisons as possible. It’s just too difficult to predict which auto insurance company will fit your personal profile best.

Car insurance coverage basics

Knowing the specifics of car insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as doctor visits, hospital visits, rehabilitation expenses and pain medications. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Suzuki Swift.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto liability insurance

This coverage protects you from damage that occurs to people or other property. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like emergency aid, pain and suffering, court costs and medical expenses. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Collision coverage

Collision insurance pays for damage to your Swift resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a parking meter, damaging your car on a curb and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Comprehensive coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as rock chips in glass, vandalism and hitting a deer. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Don’t be a big spender

People who switch companies do it for a variety of reasons including being labeled a high risk driver, poor customer service, questionable increases in premium or even unfair underwriting practices. It doesn’t matter what your reason, finding a new company can be pretty painless.

In this article, we covered many ideas to shop for 1996 Suzuki Swift insurance online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates come from some of the smallest insurance companies.

Lower-priced insurance can be purchased on the web and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates. Some companies may not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

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