Compare 2001 Suzuki Swift Car Insurance Rates

Buying car insurance online can seem difficult if you are someone who has never done online price quotes. But don’t be intimidated because we’re going to show you how.

Choosing the best insurance company for you is quite easy. In a nutshell, every driver who shops for car insurance will more than likely be able to find better rates. But vehicle owners need to learn the way companies price online insurance because it can help you find the best coverage.

The best way we recommend to compare rate quotes takes advantage of the fact all the major auto insurance companies actually pay money for the chance to give you rate quotes. All consumers are required to do is give the companies some data including an estimate of your credit level, how your vehicles are used, deductibles desired, and marital status. Your details is instantly sent to all major companies and you will receive price estimates very quickly.

To compare rates now, click here then complete the form.

Get lower rates by taking advantage of discounts

Some companies don’t always publicize every discount in an easy-to-find place, so we break down some of the best known and also the more inconspicuous discounts that may be available. If you don’t get every credit available, you are throwing money away.

  • Smart Student Discounts – This discount can save 20 to 25%. Most companies allow this discount up until you turn 25.
  • Driver’s Education for Students – It’s a good idea to have your young drivers enroll and complete driver’s education in school or through a local driver safety program.
  • Theft Deterent – Cars and trucks that have factory anti-theft systems help deter theft so companies will give you a small discount.
  • Own a Home – Just owning your own home can help you save on auto insurance because of the fact that having a home means you have a higher level of financial diligence.
  • Organization Discounts – Participating in qualifying clubs or civic groups can get you a small discount when getting a car insurance quote.
  • Senior Citizen Rates – Seniors can possibly qualify for a small decrease in premiums on Swift coverage.
  • Multiple Policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you could get a discount of 10% to 20% off each policy.

Don’t be surprised that most discount credits are not given the the whole policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

A few companies that may have these benefits include:

If you need lower rates, check with each company to give you their best rates. Some of the earlier mentioned discounts may not be offered in your area. If you would like to view companies that offer multiple discounts, click here to view.

Eight things that influence your insurance premiums

One of the most helpful ways to save on insurance is to to have a grasp of some of the factors that come into play when calculating your insurance rates. If you have some idea of what influences your rates, this allows you to make good choices that could result in better insurance rates.

The itemized list below are some of the factors used by insurance companies to determine your prices.

  • Decrease prices by maintaining coverage – Allowing your coverage to lapse is a guaranteed way to increase your insurance rates. And not only will insurance be more expensive, being ticketed for driving with no insurance may result in a hefty fine and possibly a revoked license.
  • Poor credit rating equals high prices – A driver’s credit score is a big factor in determining what you pay for insurance. If your credit rating is low, you could pay less to insure your 2001 Suzuki Swift by repairing your credit. Drivers who have excellent credit scores tend to be better risks to insure than drivers who have lower credit scores.
  • Gender as a rate factor – Over time, data shows that females take fewer risks when driving. However, this does not mean women are BETTER drivers than men. Both genders have at-fault accidents in similar percentages, but the men get into accidents with more damage. Not only that, but men also get more serious tickets like DUI and reckless driving. Youthful male drivers tend to get in the most accidents so they pay the highest premiums.
  • Your address can influence price – Living in less populated areas of the country can save you money when trying to find low car insurance rates. Drivers in populated areas regularly have much more traffic and more time behind the wheel. Fewer drivers on the road means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Safer occupants lowers rates – Safe vehicles get lower rates. The safest vehicles have better occupant injury protection and fewer serious injuries means less money paid by your insurance company and thus lower rates.
  • Rates can drop if you have more than one policy – Lots of insurers afford a discount to insureds who have multiple policies with them in the form of a multi-policy discount. The discount can be 10 percent or more. If you currently are using one company, it’s in your best interest to compare other company rates to help ensure you have the lowest rates.
  • Policy add-ons add up – There are quite a few additional coverages that can add up on your Swift policy. Coverages for rental car reimbursement, accident forgiveness, and term life insurance are probably not needed. You may think they are a good idea when you first buy your policy, but your money might be better spent on other coverage so consider taking them off your policy.
  • Small claims can cost you – If you tend to file frequent claims, you can pretty much guarantee either higher rates or even cancellation. Companies give better rates to insureds who are claim-free. Your car insurance is intended for more catestrophic claims.

How much insurance coverage do I need?

When it comes to choosing the best insurance coverage coverage, there really is no cookie cutter policy. Everyone’s situation is unique.

For instance, these questions could help you determine if your insurance needs may require specific advice.

  • Am I insured when driving a different vehicle?
  • How do I insure my teen driver?
  • Where can I find DUI or SR-22 insurance?
  • Does my 2001 Suzuki Swift need full coverage?
  • Am I covered if I hit a deer?
  • Should I put collision coverage on all my vehicles?
  • How many claims can I have before being cancelled?
  • How can I force my company to pay a claim?
  • Can my babysitter drive my car?
  • Do I have any recourse if my insurance company denies a claim?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Are car insurance companies telling the truth?

Well-known car insurance companies like State Farm, GEICO and Progressive endlessly run ads on TV and radio. They all advertise the message that people will save if you just switch your policy. How does each company charge you less for auto insurance? This is how they do it.

All companies quote the lowest rates for the type of customer they prefer to insure. For example, this type of insured should be over age 30, has few claims, and drives less than 7,500 miles a year. A propective insured who fits those characteristics receive the lowest rate quotes and will save a lot of money.

People who fall outside the requirements must pay more expensive rates which results in the prospect going elsewhere. If you listen closely, the ads state “drivers who switch” but not “all drivers who get quotes” save money. This is how insurance companies can confidently advertise the way they do. Because of these techniques, drivers should get price quotes at each policy renewal. It is just not possible to predict with any certainty which company will have better premium rates than you’re paying now.

Car insurance 101

Knowing the specifics of your insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Liability coverage

Liability coverage will cover damage that occurs to other people or property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims like attorney fees, loss of income, repair costs for stationary objects, bail bonds and medical expenses. How much coverage you buy is up to you, but you should buy higher limits if possible.

Auto collision coverage

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like scraping a guard rail, sustaining damage from a pot hole, colliding with a tree, crashing into a ditch and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like rehabilitation expenses, prosthetic devices, dental work and funeral costs. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverages

This coverage covers 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 can pay for things like hitting a bird, falling objects and a tree branch falling on your vehicle. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Take this to the bank

Drivers who switch companies do it for a number of reasons such as being labeled a high risk driver, delays in paying claims, policy non-renewal or even poor customer service. It doesn’t matter why you want to switch switching insurance coverage companies is not as hard as you think.

When searching for low cost car insurance quotes, it’s very important that you do not reduce coverage to reduce premium. There are many occasions where an insured cut collision coverage and discovered at claim time they didn’t purchase enough coverage. The ultimate goal is to find the BEST coverage for the lowest cost, not the least amount of coverage.

We just presented many ideas to lower your 2001 Suzuki Swift insurance rates. It’s most important to understand that the more times you quote, the better your chances of lowering your car insurance rates. Drivers may discover the lowest priced insurance coverage comes from some of the lesser-known companies.

Additional insurance coverage information is available at the links below