1993 Suzuki Swift Insurance Quotes – 10 Discounts for Best Rates

Nobody cherishes buying car insurance, particularly when their premiums are too high. Popular companies such as Progressive, State Farm and Geico increase brand awareness with catchy ads and it is difficult to separate fact from fiction and find the best price available.

It’s a good idea to price shop coverage periodically because rates are rarely the same from one policy term to another. Even if you got the best price on Swift insurance a few years ago there is a good chance you can find better rates now. Block out anything you think you know about car insurance because you’re about to learn the quickest way to lower your rates without sacrificing coverage.

Free Insurance Quotes

Getting a lower price on 1993 Suzuki Swift insurance is a fairly straight forward process. Drivers just need to take the time to compare rate quotes online from several insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

The fastest way to get the best comparison quotes is an all-inclusive rate comparison click here to open form in new window. This type of form keeps you from doing boring form submissions to each individual insurance company. A single form gets you coverage quotes from several companies.

A less efficient way to analyze rates consists of going to each company’s website to request a price quote. For examples sake, let’s say you want rates from Nationwide, Esurance and Farmers. To get each rate you have to go to every website and enter your information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

However you get your quotes, make absolute certain that you use exactly the same deductibles and coverage limits for each comparison quote. If you enter different deductibles it will be next to impossible to truly determine the lowest rate.

Don’t believe everything you hear

Consumers can’t ignore all the ads for car insurance savings from the likes of State Farm, Allstate and Geico. They all seem to have a common claim that you’ll save big if you change your coverage to them.

How does each company make the same claim?

Different companies have a preferred profile for the right customer that is profitable for them. For example, a desirable insured could possibly be between 25 and 40, has no prior claims, and has a high credit rating. A propective insured who matches those parameters will get very good rates and is almost guaranteed to save when they switch companies.

Consumers who don’t measure up to the “perfect” profile will be charged higher premiums which usually ends up with the driver buying from a lower-cost company. The ad wording is “people who switch” but not “drivers who get quotes” save that kind of money. That is how insurance companies can advertise the way they do.

That is why it is so important to quote coverage with many companies. It’s not possible to predict the company that will fit your personal profile best.

Cut your car insurance rates with these ten discounts

Insurance can cost an arm and a leg, but companies offer discounts that many people don’t even know exist. Some trigger automatically when you get a quote, but some may not be applied and must be specially asked for before they will apply. If you don’t get every credit you deserve, you are paying more than you should be.

  • Homeowners Savings – Simply owning a home may trigger a car insurance policy discount because maintaining a house is proof that your finances are in order.
  • Paperless Signup – Certain companies may give you up to $50 for buying your policy online.
  • Discount for Swiching Early – Some companies give discounts for switching to them prior to your current policy expiring. The savings is around 10%.
  • Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • Distant Student – Any of your kids who live away from home and do not have a car may qualify for this discount.
  • 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.
  • Multiple Cars – Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
  • Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts could cut 10% or more off your medical payments premium.
  • Military Discounts – Being on active duty in the military could be rewarded with lower premiums.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.

Keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only reduce the cost of specific coverages such as comp or med pay. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way. But all discounts will bring down the amount you have to pay.

To see a list of providers with discount car insurance rates, click here to view.

You are unique and your car insurance should be too

When buying proper insurance coverage, there is no perfect coverage plan. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that may help you determine if your situation would benefit from professional advice.

  • Does my 1993 Suzuki Swift need full coverage?
  • How much liability coverage do I need in my state?
  • At what point should I drop full coverage?
  • Am I covered if I drive in a foreign country?
  • Do I need medical payments coverage since I have good health insurance?
  • Can I make deliveries for my home business?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Is business equipment covered while in my vehicle?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It is quick, free and can provide invaluable advice.

Specific coverages for a Suzuki Swift

Having a good grasp of car insurance aids in choosing the right coverages for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement. These are typical coverage types found on the average car insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 1993 Suzuki Swift.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these limits are set the same as your liablity limits.

Liability auto insurance – Liability insurance provides protection from damage or injury you incur to people or other property that is your fault. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like medical expenses, pain and suffering, attorney fees, repair costs for stationary objects and legal defense fees. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive auto coverage – Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, hail damage, damage from a tornado or hurricane and rock chips in glass. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like EMT expenses, rehabilitation expenses and pain medications. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a ditch, sustaining damage from a pot hole and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Cheaper insurance is a realistic goal

You just learned a lot of ways to lower your 1993 Suzuki Swift insurance rates. The key concept to understand is the more you quote, the better your chances of lowering your rates. You may even find the best prices are with a smaller regional carrier. These companies may only write in your state and offer lower rates than the large multi-state companies such as Allstate and Progressive.

Discount insurance is definitely available from both online companies and with local insurance agents, and you need to price shop both to have the best chance of lowering rates. Some companies do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

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