1995 Suzuki Swift Insurance Quotes – 9 Tricks for Cheapest Rates

Trying to find better insurance coverage rates for your Suzuki Swift? Having to pay for overpriced Suzuki Swift insurance can consume your savings account and put a big crunch on your finances.

Multiple insurance companies compete for your insurance dollar, so it’s not easy to compare every insurance company and get the definite lowest price

It’s smart to get comparison quotes before your next renewal because rates fluctuate regularly. Even if you think you had the best deal on Swift coverage six months ago a different company probably has better prices today. Don’t believe everything you read about insurance coverage out there, but in this article, you’re going to get some of the best ways to find cheap insurance coverage.

Cheaper auto insurance rates with discounts

The price of auto insurance can be rather high, but you might find some hidden discounts to cut the cost considerably. A few discounts will automatically apply at quote time, but a few must be asked for in order for you to get them.

  • Multiple Cars – Purchasing coverage when you have multiple vehicles with the same auto insurance company can reduce the rates for all insured vehicles.
  • Braking Control Discount – Cars and trucks with ABS braking systems or traction control can avoid accidents and therefore earn up to a 10% discount.
  • Discounts for New Vehicles – Buying a new car instead of a used car can be considerably cheaper because new model year vehicles keep occupants safer.
  • Mature Driver Discount – Mature drivers are able to get a small decrease in premiums on Swift coverage.
  • Air Bag Discount – Vehicles with factory air bags may earn rate discounts up to 30%.
  • Active Service Discounts – Being on active deployment in the military may lower your auto insurance rates slightly.
  • Telematics Data – Drivers who elect to allow driving data collection to monitor driving patterns by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if their driving habits are good.
  • Federal Government Employee – Employees or retirees of the government may qualify for a discount when you quote insurance coverage on Swift coverage with some auto insurance companies.
  • Claim Free – Drivers with accident-free driving histories have much lower rates as opposed to insureds who have frequent claims or accidents.

Don’t be surprised that some of the credits will not apply to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, you won’t be that lucky. But all discounts should definitely cut your premiums.

Companies who may offer some of the above discounts include:

Before purchasing a policy, check with all the companies to apply every possible discount. Some discounts might not be offered on policies in your area. If you would like to view companies that offer some of these discounts, click here to view.

Tailor your insurance coverage to you

When choosing adequate coverage, there really is not a one size fits all plan. Every situation is different so this has to be addressed. For instance, these questions might help in determining if your situation will benefit from professional help.

  • What if I total my 1995 Suzuki Swift and owe more than it’s worth?
  • Do I need replacement cost coverage?
  • Will filing a claim cost me more?
  • Should I put collision coverage on all my vehicles?
  • Do I need more liability coverage?
  • What is no-fault insurance?
  • Should I buy full coverage?
  • How much liability do I need to cover my assets?
  • Does my policy pay for OEM or aftermarket parts?
  • Can I drive in Mexico and have coverage?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Specific coverage details

Learning about specific coverages of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

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

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually these coverages are similar to your liability insurance amounts.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses for hospital visits, chiropractic care, funeral costs, prosthetic devices and surgery. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Auto liability

This will cover damage that occurs to other’s property or people by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims like repair bills for other people’s vehicles, pain and suffering, repair costs for stationary objects, structural damage and legal defense fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Auto collision coverage

Collision insurance will pay to fix damage to your Swift resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sideswiping another vehicle, hitting a mailbox and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Comprehensive auto coverage

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, a tree branch falling on your vehicle, hitting a deer and vandalism. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Never pay more for less

While you’re price shopping online, it’s very important that you do not buy less coverage just to save a little money. There have been many situations where an accident victim reduced collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy the best coverage you can find at the best possible price, but do not sacrifice coverage to save money.

We just covered many ways to shop for 1995 Suzuki Swift insurance online. The most important thing to understand is the more companies you get car insurance rates for, the higher the chance of saving money. Consumers may even find the most savings is with a company that doesn’t do a lot of advertising. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.

More tips and info about insurance can be found in the articles below:

Comments About 1995 Suzuki Swift Insurance

  1. Domonique Daugherty

    I got decent rates for a 1995 Suzuki Swift in Parkersburg, WV. Ended up at darn near $70 every six months with AIG Insurance. Not sure if rates are cheaper online or through an agent. It’s too old for full coverage.

  2. Phil Delgado

    Nice info. I’m in the south part of Bismarck, North Dakota. I quoted with Allstate, Amica, Eastwood, and The General for my Suzuki and I think I cut my rates about $20 each month. Was with The General. Moved home policy as well.

  3. Esmeralda Hartman

    Is GEICO cheaper than AAA in Owensboro, Kentucky?

  4. Lewis Oconnor

    I compared a lot of rate quotes for a 1995 Suzuki Swift in Tucson, Arizona. Ended up at right around $110 every six months with AAA. Insured with Auto-Owners before.

  5. Sade Reynolds

    Affordable car insurance is a myth. From a town just southwest of Jackson, MS. Quoted a bunch of companies. Saved roughly $20 a month. Allstate was the cheapest option for me. A clean driving record helps. Highly recommended.

  6. Deborah Slater

    Not sure if this is cheap. From northwest of Fort Wayne, IN. Quoted a bunch of companies. Saved darn near $20 a month. Allstate was the cheapest for me. Left Nationwide to switch. :)

  7. Julene Glass

    Not sure what I should be paying. Proud to be from Jersey City, NJ. Quoted with AAA, Encompass, and Safeco for my Suzuki and saved around $60 a year. Left Hartford to switch. BTW speeding tickets are not good. I think I’ll get rid of full coverage next time.

  8. Katlyn Dillard

    In Bridgeport, Connecticut, Amica had the best rates for my 1995 Suzuki Swift.

  9. Usha Delgado

    From northwest of Lincoln, NE. Received quotes from Hanover, AIG Insurance, Sentry, and a couple others for my Swift and saved just over $100 a year. Was with 21st Century. They have a lot of discounts available. I think I’ll get rid of full coverage next time.