How Much Does 1997 Suzuki Swift Insurance Cost?

Looking for lower insurance coverage rates for your Suzuki Swift? Finding low-cost insurance for a new or used Suzuki Swift could be a lot of work, but you can learn these tips to save time. There are both good and bad ways to compare insurance coverage rates and we’ll show you the proper way to compare rates for a Suzuki and locate the lowest possible price either online or from local insurance agents.

Cheapest auto insurance quotes

Performing a rate comparison can be a lot of work if you don’t know the easiest way. You could waste time driving to insurance companies in your area, or you could save time and use online quotes to get rate comparisons in just a few minutes.

Most car insurance companies participate in a marketplace that allows shoppers to only type in their quote data once, and every company returns a competitive quote. This system prevents you from having to do quotation requests for each company you want a rate for.

To compare rates now click to open in new window.

The only downside to using this type of system is that consumers can’t choose which insurance companies to get quotes from. So if you prefer to choose individual companies to receive pricing from, we have assembled a list of the cheapest auto insurance companies in your area. Click here to view list.

Compare rates however you want, just ensure you are comparing exactly the same coverage data for each comparison quote. If each company quotes different data you can’t possibly determine which rate is truly the best.

Car insurance rates and discounts

Properly insuring your vehicles can get expensive, but you may qualify for discounts that many consumers don’t even know exist. A few discounts will automatically apply when you get a quote, but a few must be requested specifically before they will apply.

• Passenger Safety Discount – Factory options such as air bags or automatic seat belts can get savings of up to 25% or more.
• Good Grades Discount – A discount for being a good student can earn a discount of 20% or more. The good student discount can last well after school through age 25.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn lower rates if you buy a life insurance policy as well.
• Telematics Data – Drivers who agree to allow their car insurance company to monitor driving patterns by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates if they are good drivers.
• Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts could cut 10% or more off PIP or medical payments premium.
• Paper-free Discount – A few larger online companies will give you a small discount shop car insurance over the internet.
• Federal Employees – Active or former government employment may qualify for a discount when you quote car insurance for Swift insurance with certain companies.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given the the whole policy. Most only reduce the cost of specific coverages such as comp or med pay. So despite the fact that it appears it’s possible to get free car insurance, company stockholders wouldn’t be very happy. But any discount should help reduce your policy premiums.

A list of companies and their possible discounts are included below.

• Farm Bureau has savings for renewal discount, multi-policy, driver training, good student, safe driver, and multi-vehicle.
• MetLife discounts include good driver, defensive driver, claim-free, good student, accident-free, multi-policy
• Progressive may include discounts for online signing, continuous coverage, homeowner, online quote discount, multi-policy, good student, and multi-vehicle.
• AAA offers premium reductions for multi-car, good driver, anti-theft, education and occupation, AAA membership discount, multi-policy, and good student.
• American Family includes discounts for mySafetyValet, good student, multi-vehicle, air bags, accident-free, and TimeAway discount.
• Geico may offer discounts for multi-policy, air bags, driver training, defensive driver, anti-theft, emergency military deployment, and military active duty.
• State Farm policyholders can earn discounts including driver’s education, multiple autos, accident-free, multiple policy, and Steer Clear safe driver discount.

If you are trying to find affordable car insurance quotes, ask every company which discounts they offer. Some of the discounts discussed earlier might not be available to policyholders in your area. If you would like to see a list of car insurance companies with discount car insurance rates, follow this link.

How you can control Suzuki Swift insurance costs

One of the most helpful ways to save on insurance coverage is to to have a grasp of a few of the rating criteria that play a part in calculating your premiums. If you have some idea of what impacts premium levels, this helps enable you to make changes that may result in much lower annual insurance costs. Many factors are used in the calculation when premium rates are determined. Some of the criteria are obvious like an MVR report, but some are more obscure like your vehicle usage or your commute time.

• Protect yourself with liability protection – Liability insurance kicks in if you are found liable for personal injury or accident damage. It provides for a legal defense which can cost a lot. This coverage is relatively inexpensive compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
• Optional features that cut insurance coverage rates – Selecting a car model that has an advanced theft prevention system can help bring down rates. Systems that thwart theives such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent car theft and help bring rates down.
• Does your employer cost you more? – Occupational choices like lawyers, executives and miners have higher average rates because of intense work requirements and long work days. On the other hand, careers like actors, historians and retirees pay the least for Swift insurance.
• Add-on coverages are wasting money – There are a lot of additional coverages that sound like a good idea at the time on your Swift policy. Coverages for vanishing deductibles, towing, and additional equipment coverage are probably not needed. They may seem like a good idea when you first buy your policy, but if you have no use for them remove them from your policy.
• Do safer cars cost less to insure? – Cars with high safety ratings get lower rates. Highly rated vehicles reduce injuries and lower rates of occupant injuries means your insurance company pays less and cheaper rates on your policy. If your Suzuki Swift earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
• Pay more by driving carelessly – Whether or not you get tickets has a big impact on rates. Good drivers tend to pay less for car insurance as compared to careless drivers. Getting just one chargable violation can boost insurance rates forty percent or more. People who have careless violations such as DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to continue driving.
• Big cities mean more claims – Choosing to live in small towns and rural areas is a positive aspect when shopping for auto insurance. Less people living in that area means a lower chance of having an accident in addition to fewer liability claims. People in densly populated areas tend to have more auto accidents and longer commute times. Longer commute distances means a statistically higher chance of an accident.

Situations that may require an agent’s advice

When it comes to choosing the right insurance coverage, there is no “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that could help you determine whether your personal situation might need professional guidance.

• Will filing a claim cost me more?
• Is extra glass coverage worth it?
• Should I get collision insurance on every vehicle?
• Can my teen driver be rated on a liability-only vehicle?
• If my pet gets injured in an accident are they covered?
• Do I get a pro-rated refund if I cancel my policy early?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Auto insurance coverage basics

Understanding the coverages of auto insurance helps when choosing the best coverages for your vehicles. Auto insurance terms can be confusing and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 1997 Suzuki Swift.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, falling objects, fire damage, theft and hitting a bird. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like rehabilitation expenses, surgery, ambulance fees and X-ray expenses. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision coverage

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sideswiping another vehicle, crashing into a ditch, rolling your car, crashing into a building and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Liability car insurance

This can cover damages or injuries you inflict on a person or their property. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as emergency aid, medical services, bail bonds, funeral expenses and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Keep this in mind

You just learned many ways to save on 1997 Suzuki Swift insurance. The most important thing to understand is the more companies you get prices for, the better likelihood of getting low cost car insurance. You may even find the most savings is with the least-expected company.

Some insurance companies may not have rate quotes online and many times these regional carriers only sell through independent agents. Lower-priced 1997 Suzuki Swift insurance can be purchased both online as well as from independent agents, and you need to price shop both to have the best chance of lowering rates.

Consumers switch companies for any number of reasons including denial of a claim, not issuing a premium refund, unfair underwriting practices or even lack of trust in their agent. Whatever your reason, finding a great new company can be easy and end up saving you some money.

Much more information about insurance is located below:

• Older Drivers FAQ (iihs.org)
• Vehicle Insurance (Wikipedia)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Anti-Lock Brake FAQ (iihs.org)
• How do I File a Claim? (Insurance Information Insitute)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)