View 1993 Suzuki Swift Insurance Quotes

Trying to find better car insurance rates for your Suzuki Swift? Paying for pricey Suzuki Swift insurance can drain your savings account and force you to make tough financial choices. Comparing cost estimates can lower your rates and help to cut your insurance bill.

People have so many auto insurance companies to pick from, and though it is a good thing to be able to choose, more options can take longer to compare rates.

The purpose of this post is to help you learn how to get online quotes. If you currently have car insurance, you stand a good chance to be able to save some money using this information. Consumers just need to understand the tricks to shop for insurance over the internet.

Take advantage of every insurance coverage discount

Insurance can be prohibitively expensive, but you may be missing some discounts that you may not even know about. Certain discounts will be triggered automatically when you quote, but a few need to be manually applied before being credited.

• Theft Deterent Discount – Cars equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
• Auto/Home Discount – If you insure your home and vehicles with the same insurance company you may save up to 20% off your total premium.
• Discounts for Federal Employees – Being employed by or retired from a federal job could qualify for a slight premium decrease for Swift coverage with certain companies.
• Senior Citizen Discount – Drivers that qualify as senior citizens may be able to get reduced rates for Swift coverage.
• Multiple Cars – Having more than one vehicle with one company can reduce the rates for all insured vehicles.
• Good Students Pay Less – Getting good grades can earn a discount of 20% or more. This discount can apply up to age 25.
• Accident Forgiveness Coverage – This one isn’t a discount, but a handful of insurance companies allow you one accident before raising your premiums so long as you haven’t had any claims before the accident.

Discounts save money, but please remember that most credits do not apply to your bottom line cost. Most only cut specific coverage prices like liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, insurance coverage companies aren’t that generous.

To view insurers who offer free insurance coverage quotes, click this link.

How to know if you need help

When choosing the right insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s needs are different so your insurance needs to address that. These are some specific questions might point out whether your personal situation could use an agent’s help.

• Is my teen driver covered when they drive my company car?
• How much liability insurance is required?
• Will my insurance pay for OEM parts?
• What if I total my 1993 Suzuki Swift and owe more than it’s worth?
• How much can I save by bundling my policies?
• Are rock chip repairs covered?
• What is UM/UIM insurance?
• Do I pay less for low miles?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance 101

Having a good grasp of a insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages available from insurance companies.

Medical payments and PIP coverage

Med pay and PIP coverage pay for expenses for chiropractic care, surgery, nursing services, X-ray expenses and pain medications. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto coverage

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

Comprehensive coverage pays for things such as damage from getting keyed, theft, a tree branch falling on your vehicle and rock chips in glass. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for collisions

This coverage will pay to fix damage to your Swift resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a mailbox, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these limits are set the same as your liablity limits.

Auto liability

This will cover damage or injury you incur to other people or property that is your fault. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage pays for claims such as structural damage, bail bonds and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

A penny saved is a penny earned

We covered some good ideas how to reduce 1993 Suzuki Swift insurance prices online. The most important thing to understand is the more you quote auto insurance, the higher the chance of saving money. Consumers could even find that the best price on car insurance is with some of the lesser-known companies. Some small companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate and Progressive.

Low-cost 1993 Suzuki Swift insurance is possible from both online companies in addition to local insurance agencies, and you need to comparison shop both to have the best chance of lowering rates. Some companies don’t offer price quotes online and most of the time these regional insurance providers only sell coverage through local independent agents.

More tips and info about car insurance is available at these sites:

• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Auto Insurance FAQ (Farmers Insurance)
• State Car Insurance Guides (Geico)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)