2001 Suzuki Swift Car Insurance Quotes – 5 Ideas for Cheaper Rates

Trying to find cheaper auto insurance rates? Buyers have many options when searching for low-cost Suzuki Swift insurance. You can either waste hours struggling with agents to compare prices or utilize the internet to make rate comparisons.

There is a right way and a wrong way to find auto insurance online so we’re going to tell you the best way to quote coverages for a new or used Suzuki and obtain the cheapest rates.

It’s important to check auto insurance prices periodically since prices go up and down regularly. Despite the fact that you may have had the best deal on Swift insurance on your last policy other companies may now be cheaper. Forget all the misinformation about auto insurance because you’re about to find out one of the quickest ways to find the best coverage while lowering your premiums.

The easiest way to compare car insurance company rates is to know the fact most of the bigger providers will pay a fee to compare rate quotes. All consumers are required to do is spend a couple of minutes providing details such as the ages of drivers, whether or not you need a SR-22, any included safety features, and your credit rating estimate. That rating data is then submitted to many highly-rated insurers and they return quotes instantly.

Can you really save if you switch?

Consumers constantly see and hear ads that promise big savings by companies like State Farm and Allstate. All the ads try to convey promises about savings if you switch your policy.

How is it possible that every company can charge you less for car insurance? Just pay attention to how they say it.

Many companies are able to cherry pick for the type of insured that will most likely be profitable. An example of a profitable customer could be married and over the age of 30, has a low-risk occupation, and has excellent credit. A customer getting a price quote that hits that “sweet spot” will get very good car insurance rates and is almost guaranteed to save quite a bit of money when switching.

Drivers who are not a match for this stringent profile may be forced to pay higher prices which usually ends up with the customer not purchasing. Company advertisements say “people that switch” not “everyone that quotes” can get the lowest rates when switching. That’s the way insurance companies can state the savings.

Because every company is different, you really should get insurance quotes from several different companies. Because without a comparison, you cannot know which company will have the best rates for your profile.

Don’t overlook these five auto insurance discounts

Auto insurance companies don’t list all disounts in a way that’s easy to find, so the list below gives a summary of both the well known and the harder-to-find credits available to you.

• Defensive Driving Course – Taking part in a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
• Pay Early and Save – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
• Multi-policy Discount – If you insure your home and vehicles with one insurance company they may give you a discount of approximately 10% to 15%.
• Discounts for New Vehicles – Insuring a vehicle that is new may earn a small discount since new vehicles are generally safer.
• First Accident Forgiveness – Not necessarily a discount, but certain companies may permit one accident before raising your premiums so long as you haven’t had any claims before the accident.

Discounts lower rates, but some of the credits will not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you can get free auto insurance, company stockholders wouldn’t be very happy.

Popular auto insurance companies and the discounts they provide include:

• Farm Bureau may offer discounts for 55 and retired, multi-vehicle, driver training, renewal discount, good student, multi-policy, and youthful driver.
• MetLife offers premium reductions for multi-policy, good driver, claim-free, defensive driver, accident-free, good student
• Progressive policyholders can earn discounts including continuous coverage, good student, homeowner, online signing, and online quote discount.
• AAA includes discounts for good driver, anti-theft, AAA membership discount, multi-policy, and multi-car.
• American Family offers discounts for TimeAway discount, mySafetyValet, good student, bundled insurance, good driver, and air bags.
• Geico may have discounts that include membership and employees, air bags, anti-theft, anti-lock brakes, five-year accident-free, and multi-vehicle.
• State Farm has savings for good driver, anti-theft, accident-free, driver’s education, and student away at school.

Check with every company which discounts can lower your rates. A few discounts might not be available to policyholders in every state.

When to get professional advice

When buying adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions can aid in determining if your insurance needs may require specific advice.

• Can I afford low physical damage deductibles?
• I have health insurance so do I need medical payments coverage?
• What is the minimum liability in my state?
• Are all vehicle passengers covered by medical payments coverage?
• How high should my uninsured/underinsured coverage be in my state?
• How many claims can I have before being cancelled?
• How can I force my company to pay a claim?
• When can I cancel my policy?
• Who is covered when they drive my 2001 Suzuki Swift?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

Coverages available on your insurance policy

Understanding the coverages of your insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverage

This coverage provides protection from damages or injuries you inflict on other people or property. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as structural damage, emergency aid and legal defense fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for pain medications, chiropractic care and dental work. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Suzuki Swift.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a bird, a tree branch falling on your vehicle and falling objects. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision insurance

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as colliding with another moving vehicle, rolling your car, damaging your car on a curb, colliding with a tree and crashing into a building. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

The best insurance company isn’t always the cheapest

You just learned many tips how you can shop for 2001 Suzuki Swift insurance online. The key concept to understand is the more providers you compare, the higher your chance of finding inexpensive insurance. You may even find the lowest premium rates come from the smaller companies.

When buying insurance coverage, don’t be tempted to reduce needed coverages to save money. There are a lot of situations where an insured cut liability limits or collision coverage only to find out that the savings was not a smart move. Your focus should be to buy enough coverage at the best price while still protecting your assets.

Cheap 2001 Suzuki Swift insurance is definitely available on the web as well as from independent agents, so you need to quote insurance with both in order to have the best price selection to choose from. There are still a few companies who don’t offer the ability to get a quote online and these small, regional companies only sell coverage through local independent agencies.

More detailed auto insurance information is located in these articles:

• Reducing Your Risks in a Car Crash Video (iihs.org)
• Tools for Teen Driving Safety (State Farm)
• What Does No-Fault Insurance Cover? (Allstate)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Learn About Car Insurance (Geico)