1991 Suzuki Swift Car Insurance Rates

Did you make the mistake of buying overpriced car insurance? Believe me when I say many consumers are in the same pinch. Because you have many options, it can be impossible to locate a more affordable company.

The purpose of this article is to familiarize you with how to get online quotes. If you have car insurance now, you will be able to lower your premiums substantially using these techniques. Vehicle owners only need an understanding of the best way to shop online.

Are you qualifying for every discount?

Auto insurance is expensive, but you might be missing out on some discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically at the time of purchase, but some need to be manually applied prior to receiving the credit.

  • Driver Safety – Participating in a course in defensive driving may get you a small discount and easily pay for the cost of the class.
  • Military Deployment Discount – Being deployed in the military can result in better rates.
  • Distant Student Discount – Children living away from home attending college and leave their car at home can be insured at a reduced rate.
  • Air Bag Discount – Factory options such as air bags and/or automatic seat belt systems can receive discounts of 20 to 30 percent.
  • Accident Waiver – This isn’t a discount exactly, but a handful of insurance companies permit an accident before raising your premiums so long as you are claim-free prior to being involved in the accident.
  • Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs equipped with ABS or steering control are much safer to drive and therefore earn up to a 10% discount.
  • Discount for Life Insurance – Some companies give a discounted rate on car insurance if you buy a life insurance policy as well.
  • Good Student Discount – This discount can get you a discount of up to 25%. The discount lasts until age 25.
  • Safe Drivers – Drivers who don’t get into accidents could pay up to 40% less for Swift insurance than drivers with accidents.

You can save money using discounts, but some of the credits will not apply the the whole policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. If you do the math and it seems like adding up those discounts means a free policy, it doesn’t quite work that way.

To see auto insurance companies that provide some of the discounts listed above, click here to view.

Why you might pay inflated rates

Many factors are taken into consideration when you get a price on insurance. Some factors are common sense like your driving record, although others are less apparent such as your credit history or how safe your car is.

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

  • Do you work long hours in a stressful vocation? – Did you know your job can affect your rates? Careers such as fire fightersair traffic controllers and dentists are shown to have higher premium rates attributed to job stress and lots of time spent away from family. Conversely, jobs such as farmers, athletes and homemakers have lower than average premiums for Swift insurance.
  • Save annual miles and save money – The more you drive your Suzuki in a year’s time the higher the price you pay to insure it. A lot of companies rate vehicles based upon how the vehicle is primarily used. Cars and trucks that have low annual miles qualify for better rates than cars that get driven a lot. Verify your insurance coverage correctly shows the proper vehicle usage. Having the wrong rating on your Swift can result in significantly higher rates.
  • The higher your credit score the lower your rates – Having a bad credit rating is a large factor in calculating your insurance rates. Insureds that have good credit tend to be less risk to insure than drivers with lower ratings. So if your credit leaves room for improvement, you could potentially save money when insuring your 1991 Suzuki Swift by spending a little time repairing your credit.
  • Youthful drivers cost more – Older insureds are viewed as being more responsible, tend to cause fewer accidents and are safer drivers.Young drivers tend to be careless and easily distracted when driving therefore insurance rates are much higher.
  • How much liability do you need? – A critical coverage on your policy, liability insurance is the coverage that protects you if you are found to be at fault for causing damage or personal injury in an accident. Liability insurance provides for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not cut corners here.

When in doubt talk to an agent

When it comes to buying coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions can help discover if your insurance needs would benefit from an agent’s advice.

  • Is my teenager covered with friends in the car?
  • Does coverage extend to my business vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered if my car is in a flood?
  • Are my tools covered if they get stolen from my vehicle?
  • Is a blown tire covered by insurance?

If it’s difficult to answer those questions, 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 or click here for a list of insurance coverage companies in your area. It’s fast, free and can provide invaluable advice.

Specific coverages for a 1991 Suzuki Swift

Learning about specific coverages of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages available from insurance companies.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like vandalism, a tree branch falling on your vehicle, falling objects, a broken windshield and theft. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like ambulance fees, doctor visits, X-ray expenses, pain medications and surgery. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Suzuki Swift.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Liability

Liability coverage provides protection from damage that occurs to a person or their property. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use 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 insurance covers things such as attorney fees, bail bonds, pain and suffering and funeral expenses. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Collision insurance

This covers damage to your Swift caused by collision 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 can pay for things like sustaining damage from a pot hole, crashing into a ditch, sideswiping another vehicle, scraping a guard rail and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Be a penny pincher

Cheaper 1991 Suzuki Swift insurance is available online in addition to local insurance agencies, and you need to comparison shop both to get a complete price analysis. Some companies may not have the ability to get a quote online and most of the time these regional carriers provide coverage only through local independent agencies.

As you go through the steps to switch your coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. There are too many instances where consumers will sacrifice collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. The goal is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

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