View 1998 Suzuki Swift Insurance Quotes

Trying to find lower insurance rates for your Suzuki Swift? Are you confused by the dozens of insurance companies? You’re not the only one! There are so many options available that it can easily become a challenge to locate the lowest price.

Finding affordable coverage is not rocket science. If you are paying for car insurance now, you will be able to save some money using this strategy. Although consumers must know the methods companies use to price online insurance because it can help you find the best coverage.

How to Get Car Insurance

There are a lot of ways to compare car insurance prices and some are more efficient than others. You can spend your afternoon driving to agents in your area, or you can utilize the web to get rate comparisons in just a few minutes.

All the larger companies belong to an insurance system where prospective buyers send in one quote, and every company provides a quote for coverage. This eliminates the need for repetitive form submissions to each individual car insurance company. To enter your information into the quoting system, click here (opens in new window).

The one disadvantage to getting quotes like this is buyers cannot specifically choose which providers you will receive quotes from. So if you prefer to pick specific providers to receive pricing from, we have a listing of low cost car insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, double check that you are using the exact same information with every price quote. If you use mixed coverages it will be very difficult to truly determine the lowest rate. Slightly different coverages can result in a big premium difference. And when price shopping your coverage, obtaining a wide range of quotes gives you a better chance of getting a lower rate.

Discounts to lower Suzuki Swift insurance rates

Companies offering auto insurance don’t always publicize all their discounts very well, so the following is a list of both the well known and the harder-to-find ways to save on auto insurance.

  • Multiple Cars – Insuring all your vehicles on one policy qualifies for this discount.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class if offered at their school.
  • Resident Student – Any of your kids who live away from home and do not have access to a covered vehicle may be able to be covered for less.
  • Own a Home – Being a homeowner can help you save on auto insurance because maintaining a house shows financial diligence.
  • Multiple Policy Discount – If you have multiple policies with the same insurance company you may earn approximately 10% to 15%.
  • Senior Citizens – Older drivers can possibly qualify for reduced rates for Swift insurance.
  • Club Memberships – Participating in a qualifying organization could trigger savings when buying auto insurance for Swift insurance.
  • New Car Discount – Insuring a new car is cheaper since new cars are generally safer.
  • Accident Free – Good drivers with no accidents pay less as compared to drivers who are more careless.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. Some only apply to specific coverage prices like comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, companies don’t profit that way.

Car insurance companies who might offer some of the above discounts include:

Double check with each company which discounts they offer. All car insurance discounts may not be available everywhere.

Tailor your coverage to you

When choosing the right insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine whether your personal situation would benefit from professional advice.

  • What are the best liability limits?
  • Is my 1998 Suzuki Swift covered for flood damage?
  • Am I covered if I crash into my own garage door?
  • Why am I required to buy high-risk coverage?
  • Is my teen driver covered when they drive my company car?
  • How can I find cheaper teen driver insurance?
  • What is PIP insurance?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I pay less if my vehicle is kept in my garage?
  • Do I need replacement cost coverage on my 1998 Suzuki Swift?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.

These factors can influence what you pay for Suzuki Swift insurance

Consumers need to have an understanding of the rating factors that help determine the rates you pay for auto insurance. Having a good understanding of what controls the rates you pay enables informed choices that can help you get much lower annual insurance costs.

The following are some of the items auto insurance companies consider when setting your rates.

  • An active claims history can cost you – Companies generally give lower rates to policyholders who do not rely on their insurance for small claims. If you frequently file small claims, you can definitely plan on higher rates. Insurance coverage is intended to be relied upon for larger claims.
  • Your car’s features help determine rates – Driving a car that has an advanced theft prevention system can save you a little every year. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.
  • Traffic citations inflate rates – Whether or not you get tickets has a big impact on rates. Careful drivers have lower premiums compared to drivers with tickets. Even a single speeding ticket can boost insurance rates by twenty percent. Drivers with flagrant tickets like reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
  • Occupation reflects on rates – Did you know that where you work can have an impact on rates? Jobs such as judges, business owners and accountants tend to pay higher rates than average because of stressful work requirements and lengthy work days. On the flip side, jobs such as pilots, athletes and performers have the lowest average rates for Swift insurance.
  • Your age impacts your rates – Young drivers are known to be careless and easily distracted when behind the wheel so auto insurance rates are higher. Older insureds are more cautious drivers, tend to file fewer claims and tend to be better behind the wheel.
  • Protect yourself with liability coverage – Liability coverage is the protection when a jury decides you are liable for damages from an accident. Liability provides you with a defense in court starting from day one. Liability insurance is quite affordable when compared with rates for comp and collision, so buy as much as you can afford.
  • Rural vs Urban Areas – Residing in a rural area has it’s advantages when it comes to auto insurance. Urban drivers regularly have congested traffic and longer commutes to work. Fewer drivers means reduced accidents as well as less vandalism and auto theft.
  • Poor credit can mean higher rates – Having a bad credit rating is a important 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. If your credit rating can use some improvement, you could potentially save money when insuring your 1998 Suzuki Swift by improving your credit score.

Save $484 a year. For real?

Companies like Progressive, Allstate and Geico regularly use ads on TV and radio. All the ads make an identical promise about savings if you move to them. But how can every company say the same thing? This is how they do it.

All companies can use profiling for the type of customer that is profitable for them. An example of a profitable customer might be over the age of 50, is a homeowner, and chooses high deductibles. Any driver who matches those parameters will get the preferred rates and is almost guaranteed to save a lot of money.

Potential customers who don’t qualify for the requirements will be charged higher prices which leads to the customer not buying. Company advertisements say “drivers who switch” not “everybody who quotes” save that much. This is how companies can make those claims. That is why you should get quotes from several different companies. Because you never know which insurance companies will provide you with the cheapest Suzuki Swift insurance rates.

Car insurance coverages for a Suzuki Swift

Learning about specific coverages of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as pain medications, prosthetic devices, EMT expenses, doctor visits and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Suzuki Swift.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like theft, rock chips in glass and hitting a bird. 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 it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sideswiping another vehicle, colliding with another moving vehicle, backing into a parked car, hitting a parking meter and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Coverage for liability

Liability coverage can cover injuries or damage you cause to other’s property or people in an accident. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as loss of income, attorney fees and pain and suffering. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Compare but don’t skimp

In this article, we covered a lot of techniques to reduce 1998 Suzuki Swift insurance prices online. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. You may even discover the most savings is with a lesser-known regional company.

As you go through the steps to switch your coverage, never reduce needed coverages to save money. There have been many situations where an accident victim reduced liability limits or collision coverage to discover at claim time that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

Low-cost insurance is available on the web and with local insurance agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who do not offer the ability to get a quote online and these small, regional companies work with independent agents.

Additional car insurance information is located below: