1999 Suzuki Swift Insurance Quotes

Looking for better insurance rates for your Suzuki Swift? Paying for high-priced Suzuki Swift insurance can drain your checking account and make it hard to pay other bills. Shopping your coverage around is free and is an excellent way to help make ends meet.

Lots of car insurance companies contend for your business, and because of this it can be hard to compare insurance companies to find the lowest rate

You should make it a habit to take a look at other company’s rates every six months due to the fact that insurance rates change quite often. If you had the lowest price for Swift insurance two years ago you will most likely find a better rate today. Starting now, forget anything you know (or think you know) about insurance because I’m going to teach you the fastest way to find better rates and still maintain coverage.

If you are paying for car insurance now, you will most likely be able to save some money using these tips. Finding affordable coverage is easy if you know what you’re doing. Nevertheless, car owners must learn the methods companies use to price online insurance and apply this information to your search.

Insurance Coverage Comparisons

There are several ways of comparing rates and find the best price. The best method to find the cheapest 1999 Suzuki Swift insurance rates is simply to get online rate quotes. It is quite easy and can be accomplished in several different ways.

  • The recommended way to find low rates is an all-inclusive rate comparison click to view form in new window. This easy form keeps you from doing separate forms for each company you want a rate for. One form submission gets you coverage quotes from multiple low-cost companies.
  • A more time consuming way to shop for insurance coverage online is to take the time to go to each individual company website and request a quote. For examples sake, we’ll assume you want to compare rates from Geico, Progressive and Travelers. To find out each rate you need to take the time to go to each site to enter your coverage information, which is why most consumers use the first method.

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

  • The least recommended way to get comparison rates is to spend your day driving to and from local insurance agencies. Shopping for insurance coverage online can eliminate the need for a local agent unless you want the trained guidance of a licensed agent. Drivers can comparison shop online but still have the advice of a local agent and we’ll talk about that later.

Whichever method you choose, double check that you are using exactly the same coverages for each comparison quote. If each company quotes different liability limits then you won’t be able to find the best deal for your Suzuki Swift. Having just a slight variation in limits can mean a large discrepancy in price. Just remember that more quotes helps locate a lower rate.

Don’t pay full price with these discounts

Companies don’t always advertise every discount very clearly, so we took the time to find both well-publicized and the harder-to-find car insurance savings.

  • Paperless Signup – Certain companies will give a small break just for signing your application over the internet.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Multi-policy Discount – When you combine your home and auto insurance with one company you could get a discount of at least 10% off all policies.
  • Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premiums.
  • Safe Drivers – Safe drivers can pay as much as 50% less for Swift insurance than their less cautious counterparts.
  • Clubs and Organizations – Affiliation with a professional or civic organization is a good way to get lower rates on your policy for Swift insurance.
  • Homeowners Savings – Owning a home may earn you a small savings because owning a home requires personal responsibility.

As a disclaimer on discounts, most credits do not apply the the whole policy. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, car insurance companies aren’t that generous.

Insurance companies that possibly offer some of the above discounts are:

Check with each company which discounts you may be entitled to. Savings might not apply in your state.

Your personal situation dictates your coverage

When buying coverage, there is no “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that can help discover if your insurance needs would benefit from professional advice.

  • Should I rate my 1999 Suzuki Swift as pleasure use or commute?
  • Is motorclub coverage worth it?
  • Do I need special endorsements for business use of my vehicle?
  • Is my nanny covered when driving my vehicle?
  • Does insurance cover damages from a DUI accident?
  • What is high-risk coverage and where do I buy it?
  • Does my liability insurance cover pulling a trailer or camper?
  • Are split liability limits better than a combined single limit?
  • Is business equipment covered while in my vehicle?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

Why you might be paying too much to insure your Suzuki Swift

An important part of buying insurance is that you know the factors that play a part in calculating the rates you pay for insurance. When you know what positively or negatively determines base rates enables informed choices that may reward you with lower insurance prices.

  • Little extras can really add up – There are quite a few extra coverages you can purchase on your Swift policy. Coverages like personal injury protection, better glass coverage and membership fees are examples of these. These may sound like a good investment at first, but your needs may have changed so get rid of them and save.
  • Bump up deductibles to save – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Suzuki from damage. A few examples of covered claims could be colliding with a building, damage from fire, or theft. Physical damage deductibles are the amount of money you are willing to pay before your insurance pays a claim. The higher the amount you have to pay, the bigger discount you will receive for Swift insurance.
  • Lower rates with optional equipment – Choosing a vehicle with a theft deterrent system can help lower your rates. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
  • Safe vehicles cost less to insure – Safer cars get lower rates. Safer cars reduce injuries and better occupant protection means lower claim amounts and thus lower rates. If the Suzuki Swift scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Liability coverage protects you – The liability section of your policy will protect you in the event that a jury decides you are liable for damages from an accident. Liability provides legal defense coverage which can cost thousands of dollars. Liability is cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • More claims means more premium – Auto insurance companies award lower rates to insureds who do not rely on their insurance for small claims. If you frequently file small claims, you can expect either a policy non-renewal or much higher rates. Car insurance is intended to be relied upon for the large, substantial claims.

Auto insurance ads bend the truth

Auto insurance providers like Progressive, Geico, Allstate and State Farm constantly bombard you with television and radio advertisements. They all make the same claim about savings if you switch to them. How do they all make the same claim? It’s all in the numbers.

All companies have a certain “appetite” for the type of driver that makes them money. An example of a driver they prefer might be profiled as a mature driver, is a homeowner, and has a high credit rating. Any driver that hits that “sweet spot” gets the lowest rates and most likely will save quite a bit of money when switching.

Potential insureds who are not a match for this ideal profile will have to pay higher premiums and this can result in the customer not buying. The ads state “people who switch” but not “drivers who get quotes” save that much. That’s why insurance companies can confidently make the claims of big savings. Because of the profiling, it’s extremely important to get as many comparisons as possible. Because you never know which insurance companies will fit your personal profile best.

The coverage is in the details

Learning about specific coverages of insurance aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages found on most insurance policies.

Liability auto insurance

This coverage can cover damage that occurs to other people or property. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like bail bonds, attorney fees and loss of income. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Collision coverage protection

This will pay to fix damage to your Swift caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sustaining damage from a pot hole, scraping a guard rail and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Medical expense insurance

Coverage for medical payments and/or PIP pay for immediate expenses like chiropractic care, EMT expenses, funeral costs, prosthetic devices and hospital visits. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like falling objects, a tree branch falling on your vehicle, damage from flooding and hitting a deer. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Suzuki Swift.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Smart shoppers get results

As you shop your coverage around, you should never skimp on coverage in order to save money. In many instances, someone dropped comprehensive coverage or liability limits only to regret at claim time they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

We just presented a lot of information how to compare 1999 Suzuki Swift insurance prices online. The most important thing to understand is the more times you quote, the higher your chance of finding lower rates. Drivers may discover the best prices are with the least-expected company. These smaller insurers may only write in your state and offer lower rates as compared to the big name companies such as Allstate, Geico and Progressive.

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