Cheap 1997 Suzuki Swift Car Insurance Cost

Trying to find the cheapest car insurance rates for your Suzuki Swift? Have you had enough of trying to scrape together enough money each month for car insurance? Your situation is no different than the majority of other car owners.

Having so many companies to choose from, it is hard for the average consumer to pick the most affordable company.

Pricing more affordable car insurance is not that difficult. Essentially every driver who buys car insurance stands a good chance to be able to reduce their rates. Nevertheless, consumers must know the methods companies use to market on the web and take advantage of how the system works.

Compare the Market for Car Insurance

When shopping for car insurance there are multiple ways to compare rate quotes and find the best price. The quickest method to find competitive 1997 Suzuki Swift insurance rates involves getting comparison quotes online. This can be done in a couple of different ways.

The first (and easiest) way to compare a lot of rates at once would be an industry-wide quote request form (click to open form in new window). This easy form prevents you from having to do separate quotes to each individual car insurance company. Filling out one form gets rate comparisons direct from many companies.

A harder way to obtain and compare quotes online requires visiting the website for each individual company to request a price quote. For examples sake, let’s assume you want to compare USAA, Farmers and American Family. To find out each rate you need to spend time on each company’s site to enter your coverage information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

Which method you use is up to you, but compare the exact same quote information for every company. If you enter different liability limits it will be impossible to determine the lowest rate for your Suzuki Swift. Quoting even small variations in coverage limits may result in a large different in cost. It’s important to know that comparing more company’s prices will increase your chances of finding a lower rate.

Buyer beware of insurance advertising tricks

Companies like State Farm, Allstate and GEICO consistently run ads on television and other media. All the ads have a common claim about savings if you change to them. How can each company make the same claim? This is how they do it.

All companies can use profiling for the type of customer that earns them a profit. For example, a desirable insured could be between the ages of 30 and 50, has no tickets, and has a high credit rating. A customer who meets those qualifications is entitled to the best price and most likely will save when switching.

Consumers who don’t qualify for the requirements will be charged a higher premium which leads to business going elsewhere. The ad wording is “people who switch” not “everybody who quotes” save money. That is how insurance companies can confidently make the claims of big savings.

That is why it is so important to quote coverage with many companies. Because you never know which company will fit your personal profile best.

Cut your insurance rates with discounts

Car insurance can cost a lot, but there could be available discounts that can drop the cost substantially. Some trigger automatically when you quote, but lesser-known reductions have to be specially asked for prior to receiving the credit.

  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and will save you 10% or more.
  • Sign Early and Save – Select companies give a discount for buying a policy before your current policy expires. It can save you around 10%.
  • Auto/Home Discount – When you have multiple policies with the same insurance company you will save 10% to 20% off each policy.
  • New Car Discount – Insuring a new car can cost up to 25% less compared to insuring an older model.
  • No Charge for an Accident – Certain companies permit an accident without raising rates as long as you don’t have any claims for a set time period.
  • Good Students Pay Less – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
  • Auto/Life Discount – Companies who offer life insurance give better rates if you take out auto and life insurance together.
  • Use Seat Belts – Requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as comp or med pay. So even though it sounds like all the discounts add up to a free policy, insurance companies aren’t that generous. Any qualifying discounts will reduce your premiums.

For a list of insurers with the best insurance discounts, follow this link.

You are unique and your insurance should be too

When choosing adequate coverage, there is no “best” method to buy coverage. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that may help you determine whether your personal situation might need an agent’s assistance.

  • Am I covered if I drive in a foreign country?
  • Are my friends covered when driving my 1997 Suzuki Swift?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my teen driver covered when they drive my company car?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Car insurance coverages for a 1997 Suzuki Swift

Having a good grasp of your policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. These are typical coverage types found on the average insurance policy.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for immediate expenses for things like rehabilitation expenses, ambulance fees, nursing services, hospital visits and dental work. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive protection

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, vandalism, damage from flooding and theft. The maximum payout 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 it’s probably time to drop comprehensive insurance.

Collision protection

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

Collision insurance covers claims like damaging your car on a curb, colliding with another moving vehicle and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Liability coverage

Liability coverage provides protection from damage that occurs to other’s property or people by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like repair bills for other people’s vehicles, funeral expenses and attorney fees. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Uninsured or underinsured coverage

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 1997 Suzuki Swift.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Knowledge is power

You just learned a lot of ways to shop for 1997 Suzuki Swift insurance online. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the best prices are with some of the smallest insurance companies. Smaller companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm or Progressive.

Low-cost insurance can be found online as well as from independent agents, and you should compare price quotes from both to have the best selection. Some insurance providers don’t offer the ability to get a quote online and these small, regional companies work with independent agents.

For more information, link through to the resources below: