View 1999 Suzuki Swift Insurance Rates

Looking for cheaper auto insurance rates for your Suzuki Swift? I really doubt anyone enjoys paying for auto insurance, in particular when the cost is too high. Vehicle owners have so many auto insurance companies to choose from, and though it is a good thing to have a selection, having more insurance companies makes it harder to locate the cheapest rates.

Car insurance policy discounts

Insurance can cost an arm and a leg, but you may find discounts that you may not even know about. Some discounts will apply at the time of quoting, but some need to be inquired about prior to getting the savings.

• Waiver for an Accident – but a few companies such as State Farm and Geico may permit one accident without the usual rate increase with the catch being you have to be claim-free for a certain period of time.
• Discount for New Cars – Adding a new car to your policy is cheaper since newer models are generally safer.
• Good Student Discount – Being a good student can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
• Theft Deterent System – Cars and trucks optioned with advanced anti-theft systems help deter theft and qualify for as much as a 10% discount.
• Senior Citizen Discount – Drivers over the age of 55 may qualify for reduced rates for Swift coverage.
• Employee of Federal Government – Federal government employees could provide a small rate reduction for Swift coverage with a few car insurance companies.
• Military Deployment Discount – Being deployed in the military could be rewarded with lower prices.

Policy discounts save money, but some credits don’t apply to your bottom line cost. Most only cut the price of certain insurance coverages like medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, you’re out of luck. Any amount of discount will reduce the amount you pay for coverage.

Popular car insurance companies and their offered discounts include:

• American Family includes discounts for good driver, good student, Steer into Savings, early bird, and multi-vehicle.
• Nationwide may offer discounts for easy pay, good student, anti-theft, multi-policy, defensive driving, and family plan.
• MetLife discounts include multi-policy, good driver, defensive driver, claim-free, and accident-free.
• 21st Century has savings for good student, 55 and older, theft prevention, homeowners, driver training, and teen driver.
• Farmers Insurance policyholders can earn discounts including distant student, switch companies, pay in full, teen driver, business and professional, alternative fuel, and bundle discounts.
• Allstate offers discounts including FullPay discount, 55 and retired, defensive driver, auto/life discount, premier plus, passive restraint, and multi-policy.

When getting a coverage quote, ask every insurance company which discounts they offer. Some of the discounts discussed earlier might not be offered on policies in every state. To see companies that offer discounts, follow this link.

Learn how to lower your insurance rates

A large part of saving on insurance coverage is knowing the rating factors that play a part in calculating the level of your policy premiums. When you know what positively or negatively controls the rates you pay, this allows you to make educated decisions that can help you get lower premium levels.

• Where you live can affect costs – Residing in a rural area has definite advantages when it comes to insurance coverage. People who live in big cities have more road rage incidents and longer commutes to work. Less people means less chance of accidents in addition to lower liability claims
• With age comes responsibility – Teen drivers are known to be easily distracted in a vehicle and because of this, their insurance coverage rates are much higher. Having to add a inexperienced driver to your policy can break the bank. Mature drivers tend to be more responsible, tend to cause fewer accidents and get fewer tickets.
• Do you need those extra coverages? – There are a lot of extra bells and whistles that may not really be needed if you aren’t diligent. Coverages for personal injury protection, death and dismemberment, and membership fees are examples of these. You may think they are a good idea when buying your policy, but your money might be better spent on other coverage so consider taking them off your policy.
• Premiums increase with driving tickets – Having just one driving citation may increase your cost by twenty percent. Drivers with clean records get better prices as compared to careless drivers. Drivers with serious violations like DUI or willful reckless driving are required to file a SR-22 with their state in order to prevent their license from being revoked.
• Get married and pay lower premiums – Getting married may cut your premiums on insurance coverage. Marriage demonstrates that you tend to be more stable financially and it’s proven that drivers who are married file infrequent claims.
• Gender and insurance coverage costs – The statistics show that women are safer drivers than men. That doesn’t necessarily mean that men are worse drivers. Both genders cause fender benders at about the same rate, but the male of the species cause more damage and cost insurance companies more money. In addition to higher claims, males also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly.
• Theft deterrents save – Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop auto theft and help lower rates.

How do I know if I need professional advice?

When it comes to buying coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. For example, these questions can help discover whether your personal situation would benefit from an agent’s advice.

• When should I drop full coverage on my 1999 Suzuki Swift?
• Why do I only qualify for high-risk insurance?
• Do all my vehicles need collision coverage?
• Is my babysitter covered when using my vehicle?
• Am I covered if my car is in a flood?
• Is my 1999 Suzuki Swift covered for smoke damage?
• What if I total my 1999 Suzuki Swift and owe more than it’s worth?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Car insurance specifics

Learning about specific coverages of a car insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are typical coverages found on the average car insurance policy.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for bills for things like EMT expenses, doctor visits and surgery. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your 1999 Suzuki Swift.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Normally the UM/UIM limits are set the same as your liablity limits.

Auto collision coverage

Collision coverage will pay to fix damage to your Swift from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like scraping a guard rail, damaging your car on a curb, rolling your car, 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. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive coverage

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from getting keyed, vandalism, hitting a deer and theft. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto liability insurance

This coverage can cover damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things like repair bills for other people’s vehicles, medical services, pain and suffering, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

In Summary

Some insurance companies may not offer rates over the internet and these smaller companies only sell through local independent agencies. Budget-friendly car insurance can be sourced online and with local insurance agents, so you need to compare both so you have a total pricing picture.

Throughout this article, we presented quite a bit of information on how to get a better price on 1999 Suzuki Swift insurance. The key thing to remember is the more you quote car insurance, the better your comparison will be. Consumers may even find the lowest rates come from the least-expected company. They may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.

As you restructure your insurance plan, don’t be tempted to sacrifice coverage to reduce premiums. There are many occasions where someone dropped collision coverage and learned later they didn’t purchase enough coverage. Your strategy should be to buy a smart amount of coverage at a price you can afford, but do not skimp to save money.

Additional car insurance information is located on the following sites:

• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)
• Avoiding Deer Collisions (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)