View 1996 Suzuki Swift Insurance Cost

Looking for better auto insurance rates for your Suzuki Swift? Having to pay for overpriced auto insurance can take a big chunk out of your savings account and force you to make sacrifices. Comparing price quotes is a smart way to cut your insurance bill. There are many car insurance companies to pick from, and although it’s a good thing to have a selection, lots of choices makes it harder to adequately compare rates.

How to reduce Suzuki Swift insurance rates

Car insurance companies don’t always publicize every discount very well, so we researched some of the more common as well as the least known discounts you could be receiving. If you don’t get every credit possible, you’re paying more than you need to.

  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% for Swift coverage depending on your company.
  • E-sign – A few companies give back up to $50 for buying a policy and signing up over the internet.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on the same auto insurance policy could earn a price break for each car.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can get savings of 20% or more.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
  • Safe Drivers – Drivers who avoid accidents may save up to 50% more for Swift coverage than drivers with accidents.
  • Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Distant Student – Kids in college who are attending college without a vehicle on campus may qualify for this discount.
  • New Vehicle Savings – Insuring a new car is cheaper compared to insuring an older model.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

For a list of companies with discount auto insurance rates, click here.

The quickest method we recommend to get rate comparisons takes advantage of the fact car insurance companies have advanced systems to compare their rates. To get started, all you need to do is provide a small amount of information including what you do for a living, how you use your vehicles, how many miles driven, and the ages of drivers. That rating information is then submitted to many highly-rated insurers and you receive quotes instantly.

To compare multiple company rates now, click here then complete the form.

Why your Suzuki Swift insurance rates may be high

An important part of buying insurance is that you know some of the elements that come into play when calculating insurance rates. Knowing what impacts premium levels empowers consumers to make smart changes that could result in better insurance rates.

The list below includes some of the factors used by your company to calculate premiums.

  • Add-on coverages can add up – There are many add-on coverages that you can get tricked into buying if you aren’t careful. Things like vanishing deductibles, accidental death and membership fees may be wasting your money. These coverages may sound good when you first buy your policy, but your needs may have changed so remove them from your policy.
  • Don’t cancel a policy without a new one in place – Allowing your coverage to lapse will be a quick way to trigger a rate increase. And not only will insurance be more expensive, failure to provide proof of insurance may earn you a steep fine or even jail time.You may then be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Are you male or female? – The statistics show that women are safer drivers than men. Now that doesn’t mean men are WORSE drivers than women. They both have accidents at a similar rate, but the males tend to have more serious accidents. They also receive more costly citations such as reckless driving.
  • Lower miles equals lower premium – Driving more miles in a year’s time the more you’ll pay to insure your vehicle. Most companies apply a rate based upon how you use the vehicle. Cars and trucks not used for work or commuting can get a lower rate as compared to vehicles used primarily for driving to work. Ask your agent if your insurance coverage is showing the proper vehicle usage, because it can save money. Incorrect usage on your Swift may be costing you.
  • Don’t skimp on liability – Your policy’s liability coverage will protect you when you are found liable for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should carry high limits.
  • Lower deductibles cost more – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Suzuki. Some examples of claims that would be covered could be colliding with a building, collision with an animal, or theft. Physical damage deductibles are how much you are willing to pay in the event of a claim. The more money the insured has to pay upfront, the bigger discount you will receive for Swift coverage.

Tailor your coverage to you

When choosing proper insurance coverage, there really is not a cookie cutter policy. Everyone’s needs are different and your policy should reflect that. For instance, these questions can help discover if you could use an agent’s help.

  • When should I drop full coverage on my 1996 Suzuki Swift?
  • What is the ISO rating for a 1996 Suzuki Swift?
  • Am I missing any policy discounts?
  • Should I carry comprehensive and collision coverage?
  • Which is better, split liability limits or combined limits?
  • Should I bundle my homeowners policy with my auto?
  • Do I need medical payments coverage since I have good health insurance?
  • Can I afford low physical damage deductibles?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Car insurance coverage specifics

Knowing the specifics of a car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be impossible to understand and coverage can change by endorsement. These are typical coverages found on most car insurance policies.

Auto liability insurance – Liability coverage can cover damage or injury you incur to other’s property or people by causing an accident. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims like pain and suffering, loss of income, medical expenses and funeral expenses. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Uninsured or underinsured coverage – This gives you protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your 1996 Suzuki Swift.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Collision – This coverage pays for damage to your Swift resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as colliding with another moving vehicle, sustaining damage from a pot hole, sideswiping another vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Medical expense coverage – Med pay and PIP coverage provide coverage for expenses such as funeral costs, EMT expenses, chiropractic care, prosthetic devices and surgery. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Comprehensive protection – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, fire damage, vandalism, damage from getting keyed and theft. The highest amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

More quotes mean more savings

While you’re price shopping online, make sure you don’t skimp on coverage in order to save money. There have been many cases where consumers will sacrifice liability coverage limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to buy enough coverage at the best price while not skimping on critical coverages.

In this article, we covered some good ideas how to shop for 1996 Suzuki Swift insurance online. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even find the lowest priced insurance coverage comes from a lesser-known regional company. They may have significantly lower rates on certain market segments than their larger competitors like Allstate or State Farm.

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