Cheaper 1993 Suzuki Swift Car Insurance Quotes

Buyers have options when searching for the best price on Suzuki Swift insurance. They can either spend hours contacting agents getting price quotes or leverage the internet to get rate quotes.

There are both good and bad ways to shop for auto insurance so we’re going to tell you the quickest way to compare rates for a Suzuki and get the lowest price either online or from local insurance agents.

You probably qualify for some discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not know about. Larger premium reductions will be automatically applied when you quote, but some may not be applied and must be manually applied prior to getting the savings. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
  • Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less on Swift coverage than their less cautious counterparts.
  • Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
  • Paperwork-free – Certain companies will give a small break for buying your policy online.
  • Auto/Life Discount – Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Resident Student – Children who are attending college and don’t have a car may be able to be covered for less.
  • Multiple Vehicles – Insuring multiple vehicles with the same company may reduce the rate for each vehicle.
  • Drive Less and Save – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
  • Accident Waiver – A few companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.

Consumers should know that most credits do not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, companies wouldn’t make money that way. Any qualifying discounts will help reduce the amount you have to pay.

To see a list of companies with discount insurance coverage rates, click this link.

Cheap Insurance Coverage Comparisons

There are multiple methods to shop for 1993 Suzuki Swift insurance coverage, but there is one way that is easier and takes less work. You can waste a few hours (or days) driving to insurance companies in your area, or you can stay home and use online quotes to get prices fast.

All the larger companies belong to an insurance system where insurance shoppers enter their policy data once, and at least one company can give them a price. This prevents consumers from doing quote requests for each company you want a rate for. To use this form to compare 1993 Suzuki Swift insurance rates click here to start a free quote.

The only drawback to getting quotes like this is that you can’t choose which carriers to receive prices from. So if you prefer to pick specific providers to compare rates, we have assembled a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.

Whichever way you use, make darn sure you compare apples-to-apples coverages on every quote you get. If the quotes have different deductibles it will be impossible to determine the best price for your Suzuki Swift.

Your Suzuki Swift insurance rate is a complex equation

Consumers need to have an understanding of the rating factors that come into play when calculating insurance coverage rates. Understanding what determines base rates allows you to make educated decisions that may reward you with lower insurance coverage prices.

The list below includes a few of the “ingredients” companies use to determine rates.

  • Better credit scores mean better rates – A driver’s credit rating is a big factor in determining what you pay for insurance coverage. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers with poor credit. So if your credit history can use some improvement, you could potentially save money when insuring your 1993 Suzuki Swift by spending a little time repairing your credit.
  • Always keep insurance in force – Allowing your coverage to lapse will be a sure-fire way to trigger a rate increase. Not only will rates go up, failure to provide proof of insurance may earn you a license revocation or jail time.
  • Men are more aggressive – The statistics show that women are safer drivers than men. That doesn’t necessarily mean that men are worse drivers. Women and men tend to get into accidents in similar percentages, but the males cause more damage. They also get cited for more serious violations like DUI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and thus pay the highest rates.
  • Where do you drive? – Driving more miles in a year the more you will pay for insurance coverage. Almost all companies price each vehicle’s coverage based on their usage. Cars and trucks not used for work or commuting qualify for better rates compared to those used for work or business. Improper usage on your Swift may be wasting your money. Ask your agent if your insurance coverage coverage is showing the proper vehicle usage.
  • High numbers of claims are not good – If you frequently file small claims, you can look forward to higher rates. Companies award discounts to policyholders who file claims infrequently. Insurance coverage is intended for larger claims.
  • Higher safety ratings means cheaper insurance – Safer cars can get you lower premiums. The safest vehicles have better occupant injury protection and better occupant protection means lower claim amounts passed on to you as lower rates. If the Suzuki Swift scored better than four stars on or an “acceptable” rating on you are probably receiving a discount.
  • Marriage brings a discount – Getting married helps lower the price on insurance coverage. It means you’re more mature and it’s proven that being married results in fewer claims.

There’s no such thing as the perfect policy

When it comes to choosing the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Every insured’s situation is different.

These are some specific questions can aid in determining if you would benefit from professional advice.

  • Can I get a multi-policy discount?
  • Should I get collision insurance on every vehicle?
  • What vehicles should carry emergency assistance coverage?
  • Is a fancy paint job covered?
  • Do I get a pro-rated refund if I cancel my policy early?
  • I have a DUI can I still get coverage?
  • Am I covered when pulling a rental trailer?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered when driving a rental car?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

Do car insurance companies bend the truth?

Consumers can’t ignore all the ads that promise big savings from the likes of State Farm, Allstate and GEICO. All the companies say the same thing that you’ll save big if you move your coverage to them.

How can each company make almost identical claims? This is how they do it.

All the different companies are able to cherry pick for the driver that makes them money. For example, a driver they prefer might be profiled as a mature driver, insures multiple vehicles, and has excellent credit. A driver who matches those parameters will qualify for the lowest rates and therefore will save a lot of money.

Potential customers who fall outside the “perfect” profile will have to pay more money which leads to business not being written. The ad wording is “customers that switch” not “everybody who quotes” save money. This is how insurance companies can confidently claim big savings.

Because of the profiling, drivers must get as many comparisons as possible. It’s impossible to know which company will give you the biggest savings on Suzuki Swift insurance.

Car insurance coverage information

Understanding the coverages of your policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Insurance for medical payments

Med pay and PIP coverage kick in for short-term medical expenses for things like surgery, X-ray expenses, rehabilitation expenses, pain medications and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like falling objects, fire damage, vandalism, rock chips in glass and hitting a deer. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision insurance

This coverage covers damage to your Swift resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like crashing into a building, rolling your car, colliding with a tree, scraping a guard rail and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Liability coverages

This coverage will cover damages or injuries you inflict on people or other property in an accident. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as medical expenses, pain and suffering, legal defense fees, repair bills for other people’s vehicles and court costs. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Suzuki Swift.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Be Smart and Buy Smart

We just covered many tips how you can lower your 1993 Suzuki Swift insurance rates. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the biggest savings come from some of the smallest insurance companies.

Insureds switch companies for many reasons like policy cancellation, high prices, extreme rates for teen drivers or an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding the right insurance coverage provider can be less work than you think.

When trying to cut insurance costs, it’s a bad idea to reduce coverage to reduce premium. There are too many instances where an insured dropped physical damage coverage and learned later that it was a big error on their part. Your strategy should be to get the best coverage possible for the lowest price while still protecting your assets.

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