1993 Suzuki Swift Car Insurance Cost

Looking for cheaper insurance rates for your Suzuki Swift? Finding cheaper insurance for your Suzuki Swift can turn out to be a painful process, but you can learn a few tricks and make it easy. There are both good and bad ways to compare insurance rates and we’ll show you the best way to quote coverages for a new or used Suzuki and find the cheapest rates either online or from local insurance agents.

It is always a good idea to compare premium rates before your next renewal due to the fact that insurance prices change regularly. Just because you found the best rate for Swift insurance two years ago there is a good chance you can find better premium rates now. You can search a lot of insurance online, but you can learn some great ways to lower your insurance premiums.

Choosing the best insurance company for you is easy if you know what you’re doing. If you have a current auto insurance policy or are just looking to switch companies, you can use these techniques to get lower rates and possibly find even better coverage. Drivers just need to know the best way to get comparison rates over the internet.

Insurance policy discounts you can’t miss

Some companies don’t always list the entire discount list in a way that’s easy to find, so the list below contains some of the more common and the harder-to-find discounts you could be receiving when you buy auto insurance online.

  • Passenger Safety Discount – Vehicles with factory air bags or automatic seat belts can qualify for discounts up to 30%.
  • Student Discounts – Excelling in school could provide a savings of up to 20% or more. The good student discount can last until age 25.
  • Accident Waiver – This one is not really a discount per se, but companies like GEICO, State Farm, and Progressive will forgive one accident without the usual rate increase with the catch being you have to be claim-free for a specific time period.
  • Early Switch Discount – A few companies offer discounts for buying a new policy prior to your current policy expiration. This discount can save up to 10%.
  • Bundle and Save – If you have multiple policies and place coverage with the same company you could earn a discount of over 10 percent off each policy depending on the company.

Remember that most credits do not apply to your bottom line cost. Most only cut specific coverage prices like liability and collision coverage. If you do the math and it seems like all the discounts add up to a free policy, it doesn’t quite work that way. Any amount of discount will definitely lower your premiums.

To see providers who offer insurance discounts, click here.

How to shop auto insurance online

Finding low cost auto insurance rates is actually quite simple. All that’s required is to spend a few minutes to compare rate quotes provided by online insurance companies. It is quite easy and can be accomplished by using one of the methods below.

  1. Hands down the most simple method to find low rates would be an industry-wide quote request form (click to open form in new window). This method saves time by eliminating separate quote forms to each individual auto insurance company. One form submission gets you price quotes instantly. Just one form and you’re done.
  2. A slightly less efficient method to get quotes online is to take the time to go to the website for each individual company to complete their respective quote request forms. For examples sake, we’ll assume you want comparison quotes from Liberty Mutual, Allstate and Travelers. To do that, you would have to go to each individual site and type in your information over and over, which is not fast way to get rate quotes.

    For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, make sure you compare identical coverage data with each company. If your comparisons have different coverage information it will be impossible to determine the lowest rate for your Suzuki Swift.

Insurance agents can help

When it comes to buying adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Every situation is different.

For example, these questions may help highlight whether you will benefit from professional help.

  • Why do I only qualify for high-risk insurance?
  • When should I remove comp and collision on my 1993 Suzuki Swift?
  • Is a fancy paint job covered?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does liability extend to a camper or trailer?
  • Does my car insurance cover rental cars?
  • I have health insurance so do I need medical payments coverage?
  • Is my 1993 Suzuki Swift covered for smoke damage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form. It is quick, free and may give you better protection.

What auto insurance coverages do you need?

Knowing the specifics of your policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Comprehensive insurance – This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like fire damage, hitting a deer, damage from a tornado or hurricane, damage from getting keyed and rock chips in glass. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for bills like ambulance fees, dental work and rehabilitation expenses. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers 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

Collision coverage – This pays for damage to your Swift from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like backing into a parked car, driving through your garage door, scraping a guard rail and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Liability coverage – Liability coverage will cover damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things like bail bonds, structural damage, legal defense fees and loss of income. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Money doesn’t grow on trees

While you’re price shopping online, don’t be tempted to skimp on coverage in order to save money. In many instances, consumers will sacrifice liability coverage limits and learned later they didn’t purchase enough coverage. Your objective should be to buy a smart amount of coverage at an affordable rate but still have enough coverage for asset protection.

Consumers change insurance companies for any number of reasons including not issuing a premium refund, delays in paying claims, unfair underwriting practices and lack of trust in their agent. Whatever your reason, choosing a new company is less work than it seems.

We just covered many ways to reduce 1993 Suzuki Swift insurance car insurance rates online. The key concept to understand is the more rate comparisons you have, the better likelihood of getting cheaper auto insurance. You may be surprised to find that the biggest savings come from a company that doesn’t do a lot of advertising.

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