1994 Suzuki Swift Insurance Rates – 10 Discounts for Best Quotes

Locating cheaper insurance for a new or used Suzuki Swift can turn out to be difficult, but you can learn the following methods and make it easy. There are more efficient ways to buy insurance so you’re going to learn the quickest way to quote coverages on a Suzuki and locate the lowest price from both online companies and local agents.

Vehicle Insurance Comparison

Performing a rate comparison is a ton of work if you don’t utilize the easiest way. You can spend countless hours discussing policy coverages with insurance companies in your area, or you can stay home and use the web to get the quickest rates.

Many insurance companies take part in a program where prospective buyers complete one form, and each company returns a rated price based on that information. This eliminates the need for quote requests for each company.

To use this form to compare 1994 Suzuki Swift insurance rates click here (opens in new window).

The one downside to comparing rates this way is you cannot specify the companies to get pricing from. So if you prefer to pick individual companies for rate comparison, we have a listing of the cheapest auto insurance companies in your area. View list of insurance companies.

However you get your quotes, double check that you are using apples-to-apples coverages and limits for every company. If you have different limits and deductibles on each one it will be very difficult to determine the lowest rate for your Suzuki Swift.

Do you qualify for these ten discounts?

Companies don’t always publicize every available discount very well, so we break down both well-publicized and the more hidden ways to save on insurance. If you don’t get every credit available, you’re paying more than you need to.

  • Early Switch Discount – A few companies offer discounts for switching to them before your current expiration date. It’s a savings of about 10%.
  • Air Bag Discount – Vehicles equipped with air bags can receive discounts of more than 20%.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
  • Senior Citizens – If you’re over the age of 55, you may be able to get a small decrease in premiums on Swift insurance.
  • Federal Employees – Employees or retirees of the government can save as much as 8% on Swift insurance depending on your company.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Club Memberships – Being a member of a civic or occupational organization could trigger savings on your policy on Swift insurance.
  • Accident Waiver – Some insurance companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a set time period.
  • College Student – Kids in college who are attending college and don’t have a car can be insured at a reduced rate.
  • Paperless Signup – A handful of insurance companies give back up to $50 for buying your policy online.

Consumers should know that some of the credits will not apply the the whole policy. Most cut specific coverage prices like liability and collision coverage. So when it seems like you can get free auto insurance, it doesn’t quite work that way.

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

Don’t assume everyone needs the same coverage

When it comes to buying adequate coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that can help discover whether or not you might need professional guidance.

  • Are my friends covered when driving my 1994 Suzuki Swift?
  • Am I getting all the discounts available?
  • Should I buy only the required minimum liability coverage?
  • Is my teenager covered with friends in the car?
  • Is extra glass coverage worth it?
  • Are my friends covered when driving my car?

If you can’t answer these questions then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Specific coverage details

Knowing the specifics of a insurance policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Suzuki Swift.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive coverages – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverages – This 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 then your collision coverage will kick in.

Collision coverage pays for claims such as driving through your garage door, hitting a parking meter, crashing into a building, backing into a parked car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for expenses like chiropractic care, surgery, ambulance fees and EMT expenses. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability auto insurance – Liability coverage will cover damage that occurs to people or other property in an accident. 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 policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things like funeral expenses, bail bonds, structural damage and legal defense fees. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.