1995 Suzuki Swift Car Insurance Rates

Looking for better car insurance rates for your Suzuki Swift? Having to pay for overpriced car insurance can empty your funds and require stricter spending habits. Comparing cost estimates is free, only takes a few minutes, and is a good way to lower your monthly bill.

Insurance companies such as GEICO, Farmers Insurance and State Farm constantly bombard you with ad campaigns and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

It’s important to take a look at other company’s rates yearly due to the fact that insurance rates change quite often. Even if you think you had the best deal for Swift insurance a year ago there is a good chance you can find better prices now. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the best methods to get good coverage at a lower rate.

Are you earning every discount?

Insurance can be pricey, but you might already qualify for some discounts to reduce the price significantly. Many discounts should be triggered at quote time, but a few must be specifically requested before being credited.

  • Drive Safe and Save – Drivers who avoid accidents could pay up to 40% less for Swift insurance than drivers with accident claims.
  • Good Students Pay Less – Being a good student can earn a discount of 20% or more. The discount lasts up until you turn 25.
  • No Claims – Claim-free drivers pay much less in comparison with frequent claim filers.
  • Theft Prevention System – Anti-theft and alarm system equipped vehicles prevent vehicle theft and therefore earn up to a 10% discount.
  • Employee of Federal Government – Federal government employees can save as much as 8% for Swift insurance with select insurance companies.
  • Air Bags and Passive Restraints – Factory options such as air bags or motorized seat belts may qualify for discounts of 20% or more.
  • College Student – Any of your kids who live away from home to go to college and do not have access to a covered vehicle may be insured at a cheaper rate.
  • Senior Citizen Discount – If you qualify as a senior citizen, you may qualify for better insurance rates for Swift insurance.
  • Drivers Ed for Students – Have your child enroll and complete driver’s education if it’s offered in school.

You should keep in mind that most of the big mark downs will not be given to the entire cost. Some only reduce individual premiums such as comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, insurance companies aren’t that generous.

If you would like to choose from a list of companies who offer insurance discounts, follow this link.

Compare quotes for insurance

Comparing insurance rates can be challenging if you don’t utilize the fastest way to get free quotes. You could waste a few hours driving to local insurance agents in your area, or you can stay home and use the internet to maximize your effort.

Most car insurance companies participate in an industry program that enables customers to complete one form, and at least one company provides a quote. This eliminates the need for repetitive form submissions for every insurance company.

To participate in this free quote system, click here to open in new window.

The only downside to using this type of system is that you can’t choose the providers you want to price. So if you prefer to pick specific providers to receive pricing from, we put together a list of companies who write insurance in your area. Click here to view list.

Whichever way you use, try to use identical information with every price quote. If each company quotes different data it will be next to impossible to make a fair rate comparison. Even a minor difference in coverage limits could mean much higher rates. Just remember that getting more free quotes will enable you to find the best rates.

Insurance cost influencing factors

Part of the insurance coverage buying process is learning the different types of things that come into play when calculating the level of your policy premiums. When consumers understand what impacts premium levels, this allows you to make educated decisions that could help you find big savings.

  • Occupation can influence insurance coverage rates – Did you know that where you work can have an impact on rates? Careers like doctors, business owners and miners usually pay higher premium rates due to high stress and long work hours. On the flip side, careers like farmers, historians and homemakers have the lowest average rates for Swift insurance.
  • Teenagers are high risk – Older, more experienced drivers are viewed as being more responsible, statistically cause fewer accidents and get fewer tickets.Drivers with little experience are statistically proven to be careless and easily distracted when at the wheel of a vehicle so insurance coverage rates are higher.
  • Eliminate unneeded add-on coverages – There are quite a few optional add-on coverages that may not really be needed if you aren’t diligent. Things like replacement cost coverage, better glass coverage, and extra equipment coverage may be costing you every month. The coverages may be enticing when discussing your needs, but your money might be better spent on other coverage so consider taking them off your policy.
  • Cheaper rates for prior coverage – Having an insurance coverage lapse can be a sure-fire way to pay more for insurance coverage. Not only will you pay more, the inability to provide proof of insurance may result in a license revocation or jail time.
  • Save money by having multiple policies – Most insurance companies will award better rates to buyers who consolidate policies with them, otherwise known as a multi-policy discount. The amount of the discounts can be as much as ten percent or more Even if you qualify for this discount already, it’s in your best interest to get quotes from other companies to help guarantee you have the best rates. It’s possible to still find lower rates by splitting coverages up.
  • Cheaper insurance coverage rates with safer cars – Safe vehicles tend to be cheaper to insure. Vehicles engineered for safety reduce injuries and lower rates of occupant injuries means your insurance company pays less and cheaper rates on your policy.
  • What are your physical damage deductibles? – Deductibles for physical damage tell how much you are willing to pay out-of-pocket if a claim is determined to be covered. Insurance for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. A few examples of covered claims are a windshield broken by a bird, vandalism, and having a roll-over accident. The higher the amount you are required to pay out-of-pocket, the less your insurance coverage will be for Swift insurance.
  • Do you know you’re credit rating? – A driver’s credit rating is a big factor in determining what you pay. Consumers who have high credit scores tend to be more responsible and file fewer claims as compared to drivers with lower ratings. So if your credit rating is low, you could be paying less to insure your 1995 Suzuki Swift by repairing your credit.

When in doubt talk to an agent

When it comes to buying proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions could help you determine whether or not you may require specific advice.

  • Am I missing any policy discounts?
  • Does medical payments coverage apply to all occupants?
  • Am I covered if my car is in a flood?
  • What is covered by UM/UIM coverage?
  • Can my teen drive my company car?
  • Am I covered when driving someone else’s vehicle?
  • Am I covered when pulling a rental trailer?
  • Do all my vehicles need collision coverage?
  • Does my 1995 Suzuki Swift qualify for pleasure use?

If you’re not sure about those questions, you might consider 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 auto insurance companies in your area.

Information about specific coverages

Learning about specific coverages of insurance can be of help when determining the best coverages for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. These are the normal coverages found on the average insurance policy.

UM/UIM Coverage

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Suzuki Swift.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as falling objects, hitting a bird, a tree branch falling on your vehicle, damage from flooding and vandalism. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage

This coverage covers damage to your Swift from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like driving through your garage door, colliding with a tree, scraping a guard rail, rolling your car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Liability coverage

Liability coverage will cover damage or injury you incur to a person or their property that is your fault. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

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 limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as repair bills for other people’s vehicles, repair costs for stationary objects, medical expenses, emergency aid and legal defense fees. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Medical costs insurance

Coverage for medical payments and/or PIP pay for expenses for pain medications, EMT expenses, ambulance fees and dental work. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

One last thing about your coverage

We’ve covered a lot of tips how to save on 1995 Suzuki Swift insurance. The key thing to remember is the more times you quote, the higher your chance of finding the cheapest auto insurance. You may even find the lowest premium rates are with a small mutual company. Smaller companies often have lower prices on specific markets than the large multi-state companies such as State Farm, GEICO and Nationwide.

When searching for cheaper auto insurance quotes, it’s not a good idea to reduce coverage to reduce premium. There are many occasions where drivers have reduced liability limits or collision coverage only to find out they didn’t have enough coverage. Your strategy should be to buy enough coverage at the lowest possible cost while not skimping on critical coverages.

A few companies don’t offer online price quotes and most of the time these regional insurance providers prefer to sell through independent insurance agents. Affordable 1995 Suzuki Swift insurance can be bought from both online companies and also from your neighborhood agents, so you should compare both to have the best rate selection.

Additional information can be found below: