1996 Suzuki Swift Car Insurance Quotes – 6 Tips to Save

Trying to find lower auto insurance rates for your Suzuki Swift? Are you kicking yourself for buying an underperforming, overpriced auto insurance policy? Trust us when we tell you there are many consumers feeling the pinch from expensive auto insurance. Numerous auto insurance companies battle for your insurance dollar, so it can be very hard to choose a company to get the lowest price

Free auto insurance rate quotes

Most larger insurance companies such as State Farm, Geico and Progressive provide prices on the web. Getting online rates is very simple as you just type in the amount of coverage you want on the page. After you submit the form the company’s rating system pulls your driving record and credit report and generates a price based on these factors. Quoting online simplifies rate comparisons, but the work required to visit a lot of sites and complete many quote forms is monotonous and tiresome. But it’s also necessary to perform this step if you are searching for a lower rate.

The smarter way to lower your auto insurance bill makes use of a single form that analyzes rates from many companies. This type of form saves time, requires much less work on your part, and makes rate comparisons much easier to do. Immediately after submitting the form, it gets priced with multiple companies and you can pick any or none of the quote results. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. This process only takes a few minutes and can result in significant savings.

To save time and fill out one form to compare multiple rates now, click here and input your coverage information. If you have coverage now, it’s recommended you complete the form with the limits and deductibles as close as possible to your current policy. This guarantees you are getting rate comparison quotes for similar insurance coverage.

Six discounts for cheaper auto insurance quotes

Some insurers don’t always advertise every discount they offer very clearly, so the list below contains both the well known as well as some of the hidden discounts that you may qualify for.

• New Car Discount – Buying insurance on a new vehicle can be considerably cheaper compared to insuring an older model.
• Smart Student Discounts – A discount for being a good student can get you a discount of up to 25%. Many companies even apply the discount to college students up to age 25.
• Senior Citizen Rates – Drivers that qualify as senior citizens may receive better auto insurance rates on Swift insurance.
• Service Members Pay Less – Being on active duty in the military may lower your auto insurance rates slightly.
• Discounts for Federal Employees – Active or retired federal employment may reduce rates when you quote insurance on Swift insurance with a few auto insurance companies.
• Low Mileage – Driving less may enable drivers to earn substantially lower premium rates.

We need to note that most discount credits are not given to the entire cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

If you would like to see a list of insurance companies with significant discounts, follow this link.

You may need specialized insurance coverage

When buying coverage, there isn’t really a one size fits all plan. Each situation is unique and your policy should reflect that. Here are some questions about coverages that could help you determine whether or not you could use an agent’s help.

• I have health insurance so do I need medical payments coverage?
• Are split liability limits better than a combined single limit?
• What if I total my 1996 Suzuki Swift and owe more than it’s worth?
• Am I covered if I hit a deer?
• Is my nanny covered when driving my vehicle?
• How can I get high-risk coverage after a DUI?
• Can I afford to pay high deductible claims out of pocket?
• How much underlying liability do I need for an umbrella policy?
• What is the difference between comprehensive and collision coverage?
• Is my trailer covered?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

But the ad said I’d save 15% in 15 minutes!

Consumers constantly see and hear ads that promise big savings for switching from companies such as State Farm, Geico and Progressive. All the ads advertise claims that drivers will save a bundle if you change to them.

It sounds good, but how can they all make almost identical claims? This is the way they can do it.

Companies can use profiling for the type of customer that will be a good risk. A good example of a desirable risk should be a married male, is a homeowner, and chooses high deductibles. Any person who fits those characteristics will get a cheap rate quote and have a good chance to pay quite a bit less when switching companies.

Potential insureds who are not a match for this ideal profile may be required to pay a higher rate and this can result in the customer not purchasing. If you pay close attention to the ads, they say “customers that switch” not “everyone who quotes” will save that much if they switch. That is how insurance companies can make those claims. That is why you really should get insurance quotes as often as possible. You cannot predict which insurance companies will give you the biggest savings.

Car insurance coverage information

Having a good grasp of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types found on most insurance policies.

Liability coverages

This protects you from injuries or damage you cause to other people or property that is your fault. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things like repair bills for other people’s vehicles, medical services, pain and suffering and funeral expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like rehabilitation expenses, ambulance fees and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Suzuki Swift.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive auto coverage

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

Comprehensive coverage protects against claims such as a broken windshield, theft, damage from getting keyed and damage from flooding. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for collisions

This will pay to fix damage to your Swift resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like scraping a guard rail, backing into a parked car, hitting a mailbox, colliding with a tree and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Save for a rainy day

Some insurance providers may not offer the ability to get a quote online small, regional companies only sell through independent insurance agents. Cost effective 1996 Suzuki Swift insurance is attainable online as well as from insurance agents, and you need to price shop both so you have a total pricing picture.

We just covered some good ideas how to save on 1996 Suzuki Swift insurance. The key thing to remember is the more you quote insurance, the better your chances of lowering your car insurance rates. You may even discover the lowest priced auto insurance comes from a smaller regional carrier. Smaller companies often have lower car insurance rates on specific markets than the large multi-state companies such as Allstate or State Farm.

Other information

• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)
• Red Light Cameras (State Farm)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Should I Buy a New or Used Car? (Allstate)
• Side Impact Crash Tests (iihs.org)