1990 Suzuki Swift Car Insurance Quotes

Want better insurance rates for your Suzuki Swift? Paying for high-priced Suzuki Swift insurance can overdraw your savings account and force you to make sacrifices. Doing a price comparison is a great way to help make ends meet. Drivers have so many insurance companies to buy insurance from, and even though it’s nice to have multiple companies, having more insurers makes it harder to compare company pricing.

Shopping for affordable protection is simple if you know the tricks. If you have a current auto insurance policy or are shopping for new coverage, you can use this information to shop for the lowest rates while maximizing coverage. Drivers just need to know the most efficient way to get comparison quotes on the web.

Do you qualify for a discount?

Car insurance can cost a lot, but you can get discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time you complete a quote, but lesser-known reductions have to be asked for before you get the savings. If you’re not getting every credit possible, you’re paying more than you need to.

  • Air Bag Discount – Vehicles with factory air bags or motorized seat belts can receive discounts of more than 20%.
  • Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
  • Distant Student – Children living away from home attending college and do not have a car may qualify for this discount.
  • Homeowners Discount – Simply owning a home can save you money because owning a home demonstrates responsibility.
  • Use Seat Belts – Drivers who require all occupants to use their safety belts can save up to 15% off your medical payments premium.

Drivers should understand that most credits do not apply to the entire policy premium. Most cut the cost of specific coverages such as medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, you won’t be that lucky. But any discount will bring down the cost of coverage.

Companies that may offer these benefits are:

Before buying, ask all companies you are considering what discounts are available to you. All car insurance discounts may not be available in your state.

Vehicle Insurance Comparison

Performing a rate comparison is a ton of work if you don’t utilize the fastest way to get free quotes. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you could use the internet for quick rates.

Most of the larger companies participate in a marketplace where prospective buyers complete one form, and each company then gives them pricing determined by their information. This eliminates the need for quote forms for each company.

To find out what other companies charge for 1990 Suzuki Swift insurance click here (opens in new window).

The only drawback to comparing rates this way is that consumers can’t choose which companies you want to price. If you would rather choose specific insurance companies to compare, we have a page of auto insurance companies in your area. Click to view list.

However you get your quotes, compare apples-to-apples coverages on every quote. If you are comparing different limits and deductibles on each one then you won’t be able to determine the lowest rate for your Suzuki Swift.

What coverages do I need?

When choosing proper insurance coverage, there really is no one size fits all plan. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that may help highlight if your situation might need an agent’s assistance.

  • Is business equipment covered while in my vehicle?
  • Does my insurance cover my expensive audio equipment?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What discounts do I qualify for?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I have coverage when using my vehicle for my home business?
  • What is no-fault insurance?
  • Is my custom paint covered by insurance?
  • Can I drive in Mexico and have coverage?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Car insurance coverages 101

Knowing the specifics of a car insurance policy can help you determine the right coverages for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are typical coverages found on the average car insurance policy.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Suzuki Swift.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally the UM/UIM limits are set the same as your liablity limits.

Comprehensive car insurance

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 the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, theft, damage from flooding and damage from getting keyed. The most a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverage

This coverage can cover damage or injury you incur to people or other property. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Another option is a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like funeral expenses, repair bills for other people’s vehicles, loss of income and structural damage. How much coverage you buy is a personal decision, but buy as much as you can afford.

Auto collision coverage

This will pay to fix damage to your Swift resulting from a collision 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 things like backing into a parked car, crashing into a building and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for bills for ambulance fees, funeral costs, rehabilitation expenses, chiropractic care and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Be a penny pincher

Cheap 1990 Suzuki Swift insurance can be found on the web as well as from independent agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance providers don’t offer the ability to get a quote online and these smaller companies work with independent agents.

When shopping online for insurance, do not buy poor coverage just to save money. In many instances, consumers will sacrifice physical damage coverage only to find out that the savings was not a smart move. The ultimate goal is to find the BEST coverage for the lowest price, not the least amount of coverage.

We just showed you a lot of techniques to get a better price on insurance. The most important thing to understand is the more providers you compare, the higher your chance of finding lower rates. You may even find the best prices are with some of the lesser-known companies. They may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.

Helpful resources