Compare 1991 Suzuki Swift Car Insurance Quotes

Want better car insurance rates for your Suzuki Swift? Paying for high-priced Suzuki Swift insurance can overdraw your checking account and force you to make sacrifices. Comparing price quotes is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income. Multiple auto insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates to discover the definitive lowest rate

If you have a current auto insurance policy or are just looking to switch companies, you can follow these tips to shop for the lowest rates while maintaining coverages. Buying car insurance is easy if you know what you’re doing. Consumers just need to know the proper way to shop for auto insurance on the web.

How to Buy Car Insurance Online

All the larger car insurance companies such as State Farm, Geico and Progressive quote coverage price quotes on their websites. This process is quite simple as you just type in your coverage preferences into the quote form. Behind the scenes, the system obtains information on your driving record and credit history and gives you a price quote based on many factors. This streamlines rate comparisons, but the process of having to visit several different sites and enter the same data into a form can be a bit repetitive. But it is imperative to perform this step if you want to find the best price on car insurance.

The easiest way to get multiple rate quotes requires only one form that gets price quotes from a bunch of companies at once. This type of form saves time, reduces the work, and makes online shopping a little more enjoyable. After sending the form, it is rated and you can select any or none of the returned quotes.

If you find a better price you simply finish the application and purchase coverage. The whole process can be completed in less than 10 minutes and may save quite a bit of money.

In order to compare rates using this form now, click here to open in new window and begin entering your coverage information. If you have coverage now, it’s recommended you complete the form with your coverages as close as possible to your current policy. This way, you will get a price comparison for similar insurance coverage.

Are you getting all your discounts?

Car insurance is not cheap, but you can get discounts to cut the cost considerably. Certain discounts will be triggered automatically when you get a quote, but lesser-known reductions have to be asked about before you will receive the discount. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Discount for New Cars – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
  • No Claims – Good drivers with no accidents pay less compared to frequent claim filers.
  • Early Signing – Select companies give a discount for switching to them before your current policy expires. This can save 10% or more.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
  • More Vehicles More Savings – Insuring multiple cars or trucks on the same insurance policy may reduce the rate for each vehicle.
  • Low Mileage Discounts – Driving fewer miles can qualify you for discounted rates on garaged vehicles.
  • Drive Safe and Save – Safe drivers may save up to 50% more on Swift coverage than their less cautious counterparts.
  • Accident Forgiveness – Some insurance companies will forgive one accident without raising rates if your claims history is clear for a set time period.

It’s important to note that some credits don’t apply to your bottom line cost. Most cut the cost of specific coverages such as medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, it just doesn’t work that way. Any qualifying discounts will bring down the cost of coverage.

To see a list of companies offering insurance discounts, click here to view.

Tailor your coverage to you

When it comes to choosing adequate coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions might point out if your insurance needs might need professional guidance.

  • How high should my medical payments coverage be?
  • When does my teenage driver need to be added to my policy?
  • Am I covered when driving in Canada or Mexico?
  • Do I need rental car coverage?
  • Should I carry comprehensive and collision coverage?
  • Is my cargo covered for damage or theft?
  • Is my dog or cat covered if injured in an accident?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

These factors can influence what you pay for Suzuki Swift insurance

An important part of buying insurance is that you know the different types of things that play a part in calculating insurance coverage rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that may reward you with lower insurance coverage prices.

Shown below are some of the factors that factor into rates.

  • Better credit means lower rates – Your credit score is a large factor in determining your rates. Drivers with good credit tend to file fewer claims and have better driving records as compared to drivers with lower ratings. Therefore, if your credit score is low, you could be paying less to insure your 1991 Suzuki Swift by spending a little time repairing your credit.
  • Are you male or female? – Statistics show that men are more aggressive behind the wheel. Now that doesn’t mean women are BETTER drivers than men. They both cause accidents at a similar rate, but the men tend to have more serious accidents. Men also statistically get more serious tickets like DUI and reckless driving.
  • With age comes lower rates – Young drivers are known to be less responsible in a vehicle so they pay higher insurance coverage rates. Mature drivers tend to be more responsible, tend to cause fewer accidents and receive fewer citations.
  • Little extras can really add up – There are quite a few additional coverages you can purchase when buying insurance coverage. Coverages like vanishing deductibles, better glass coverage and motor club memberships are examples of these. These coverages may sound good when talking to your agent, but if you don’t need them get rid of them and save.
  • Occupation reflects on rates – Did you know your insurance coverage rates can be affected by your occupation? Occupations such as lawyers, executives and accountants are shown to have higher rates than average due to stressful work requirements and long work hours. On the flip side, professions such as pilots, athletes and performers pay the least on Swift coverage.
  • Frequent insurance coverage claims increase rates – If you are a frequent claim filer, you can expect either a policy non-renewal or much higher rates. Car insurance companies provide lower rates to drivers who do not file claims often. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • High crash test scores lower rates – Vehicles with good safety scores can get you lower premiums. These vehicles protect occupants better and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates. If your Suzuki Swift earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Traffic citations inflate rates – Even a single ticket can boost insurance rates by twenty percent. Careful drivers have lower premiums than their less careful counterparts. Drivers who get dangerous violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.

Auto insurance coverage specifics

Learning about specific coverages of auto insurance can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages found on the average auto insurance policy.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like ambulance fees, nursing services, surgery and pain medications. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. They cover you and your occupants as well as being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Liability – Liability insurance will cover damage or injury you incur to other people or property in an accident. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like funeral expenses, medical services, bail bonds, medical expenses and pain and suffering. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Comprehensive auto insurance – This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from flooding, damage from getting keyed, theft, falling objects and a tree branch falling on your vehicle. 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.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Suzuki Swift.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision – This coverage will pay to fix damage to your Swift caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as damaging your car on a curb, rolling your car and sideswiping another vehicle. 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 raise the deductible to get cheaper collision coverage.

Final considerations

Budget-conscious 1991 Suzuki Swift insurance is attainable from both online companies in addition to many insurance agents, so you should compare both to have the best selection. Some insurance coverage companies do not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

When you buy insurance online, it’s very important that you do not reduce needed coverages to save money. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits and discovered at claim time they didn’t purchase enough coverage. Your goal should be to get the best coverage possible at an affordable rate.

We covered some good ideas how you can compare insurance prices online. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may be surprised to find that the best prices are with some of the lesser-known companies. Some small companies may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

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