Compare 1999 Suzuki Swift Insurance Quotes

Looking for better insurance rates for your Suzuki Swift? Purchasing cheap insurance on the web may seem to be somewhat intimidating for drivers new to quoting and comparison shopping on the internet. With such a large number of insurers to choose from, how can drivers possibly compare every one to find the best available rates?

Smart consumers take time to do price comparisons periodically since insurance prices are variable and change quite frequently. Just because you had the lowest price on Swift insurance a couple years back a different company probably has better rate quotes today. Forget anything you know (or think you know) about insurance because it’s time to teach you how to use online quotes to lower your annual insurance bill.

Where can I get affordable auto insurance?

To find cheap quotes, there are a couple of ways of comparing rates from lots of auto insurance companies. The simplest method to compare 1999 Suzuki Swift insurance prices is to jump online and get quotes. This can be accomplished in several different ways.

  1. Hands down the most simple method consumers can analyze rates is to use a rate comparison form click to view form in new window. This style of form eliminates the need for separate forms to each individual auto insurance company. Taking the time to complete one form will return quotes direct from many companies. This is perfect if you don’t have a lot of time.
  2. A different way to obtain and compare quotes online requires visiting each company website and complete a new quote form. For example, we’ll assume you want to compare USAA, State Farm and Allstate. To get each rate you have to spend time going to each site individually to enter your coverage information, which can get rather old.

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

  3. The least efficient way to comparison shop rate quotes is to spend time driving to all the different insurance agencies. The internet reduces the need to sit down with an agent unless you prefer the professional abilities that only a licensed agent can provide. If you prefer, some companies allow you to find lower rates online and get advice from an agent in your area.

It’s your choice how you get your quotes, but make sure you use the same quote information for every quote you compare. If your comparisons have unequal deductibles or liability limits you can’t possibly make a fair comparison for your Suzuki Swift. Slightly different insurance coverages or limits can make a big difference in price. And when comparison shopping, comparing a wide range of rates increases your odds of finding the best offered rates. Not every company does prices over the internet, so it’s important to also get price estimates from them, too.

Save a ton with these discounts

Car insurance is not cheap nor is it fun to buy but you can get discounts that can dramatically reduce your bill. Most are applied at the time of quoting, but some may not be applied and must be asked for in order for you to get them.

  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates on Swift insurance than drivers with accidents.
  • 55 and Retired – Drivers that qualify as senior citizens can possibly qualify for reduced rates on Swift insurance.
  • Active Service Discounts – Being deployed in the military may lower your rates slightly.
  • Use Seat Belts – Requiring all passengers to use their safety belts can save up to 15% off the personal injury premium cost.
  • Early Switch Discount – Some car insurance companies reward drivers for buying a policy prior to your current policy expiration. It could save around 10% when you buy insurance online.

As a sidenote, most credits do not apply to the entire cost. Most only reduce the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

Insurance companies that may offer quotes with most of these discounts include:

Check with all the companies the best way to save money. All car insurance discounts might not be offered in your area. For a list of car insurance companies that offer discounts, click this link.

Insurance coverage can be complex

When choosing coverage, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining if you might need an agent’s assistance.

  • Is my camper covered by my car insurance policy?
  • What is no-fault insurance?
  • Are my friends covered when driving my 1999 Suzuki Swift?
  • Can my teen drive my company car?
  • What is the rate difference between pleasure use and commuting?
  • Does my 1999 Suzuki Swift need full coverage?
  • Do I get a pro-rated refund if I cancel my policy early?

If you can’t answer these questions, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form.

Auto insurance coverages

Learning about specific coverages of insurance can help you determine the right coverages for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Collision coverages – This will pay to fix damage to your Swift resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like driving through your garage door, sustaining damage from a pot hole, backing into a parked car, scraping a guard rail and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive auto coverage – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as theft, damage from a tornado or hurricane, rock chips in glass and a tree branch falling on your vehicle. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for bills for things like hospital visits, prosthetic devices, nursing services, chiropractic care and funeral costs. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

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

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like repair costs for stationary objects, emergency aid, attorney fees, structural damage and court costs. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.