Lower Your 1994 Suzuki Swift Car Insurance Quotes

Feel like you’re a prisoner to an overpriced insurance policy? Believe me when I say there are many people just like you.

Lots of auto insurance companies contend for your insurance dollar, and because of this it can be hard to compare insurance companies and uncover the absolute lowest rate

Smart consumers take time to take a look at other company’s rates yearly since insurance rates change quite often. If you had the best price for Swift insurance on your last policy a different company probably has better rates today. Forget anything you know (or think you know) about insurance because we’re going to demonstrate the quickest way to lower your rates without sacrificing coverage.

If you currently have car insurance, you should be able to reduce your rates substantially using these techniques. Buying car insurance is easy if you know what you’re doing. Although vehicle owners need to learn how insurance companies determine prices and apply this information to your search.

Pieces of the Suzuki Swift insurance rate puzzle

Smart consumers have a good feel for some of the elements that play a part in calculating car insurance rates. When you know what positively or negatively determines base rates enables informed choices that will entitle you to much lower annual insurance costs.

Shown below are a partial list of the pieces car insurance companies consider when setting prices.

  • Tickets mean higher rates – Even one ticket can boost insurance rates twenty percent or more. Careful drivers get better rates than bad drivers. If you have serious violations such as reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.
  • You might want pay the small claims yourself – Companies award lower rates to drivers who are claim-free. If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Your insurance policy is intended to be relied upon for the large, substantial claims.
  • More people means more accidents – Living in small towns and rural areas has it’s advantages when insuring your vehicles. Less people living in that area means a lower chance of having an accident and a lower car theft rate. Urban drivers regularly have congested traffic and longer commutes to work. Higher commute times can result in more accidents.
  • Don’t sacrifice liability coverage – Liability coverage provides coverage in the event that you are found liable for personal injury or accident damage. Liability insurance provides legal defense which can cost thousands of dollars. Liability is cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • More miles equals more premium – Driving more miles each year the higher your rates will be. Most insurance companies apply a rate based on how the vehicle is used. Vehicles used primarily for pleasure use qualify for better rates compared to those used for work or business. If your policy improperly rates your Swift can result in significantly higher rates. Double check that your car insurance coverage shows the proper vehicle usage.
  • Battle of the sexes – Statistics demonstrate that women are safer drivers than men. However, don’t assume that women are better drivers. They both tend to get into accidents at about the same rate, but the males cause more damage and cost insurance companies more money. They also get more serious tickets such as DWI and reckless driving.
  • Rates may be higher depending on your occupation – Careers like doctors, architects and dentists are shown to have the highest average rates attributed to high stress levels and long work hours. Other professions such as actors, historians and retirees pay the least for Swift insurance.

Policy discounts you shouldn’t miss

Insuring your vehicles can cost a lot, but there could be available discounts to help offset the cost. Most are applied at the time of purchase, but some may not be applied and must be specifically requested in order for you to get them.

  • Multiple Cars – Buying coverage for all your vehicles on one policy could earn a price break for each car.
  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. This discount can apply until age 25.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
  • Homeowners Pay Less – Owning a home may trigger a car insurance policy discount due to the fact that maintaining a home shows financial diligence.
  • Defensive Driver – Taking part in a course teaching defensive driving skills could save 5% or more depending on where you live.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Most only reduce individual premiums such as medical payments or collision. So when it seems like adding up those discounts means a free policy, companies wouldn’t make money that way. But any discount will reduce your premiums.

To see a list of providers with the best car insurance discounts, click here to view.

Are car insurance companies telling the truth?

Car insurance providers like 21st Century, Allstate and State Farm regularly use ads in print and on television. They all have a common claim that you can save if you move to their company. How can each company make almost identical claims?

Different companies have a preferred profile for the right customer that earns them a profit. An example of a driver they prefer might be profiled as over the age of 50, owns a home, and has a short commute. A propective insured who meets those qualifications gets the lowest rates and therefore will save quite a bit of money when switching.

Potential customers who do not match this ideal profile will be quoted higher premiums which usually ends up with business not being written. The ads state “customers that switch” not “everyone that quotes” save that much. This is how insurance companies can confidently advertise the savings.

This emphasizes why drivers should get a wide range of price quotes. It’s impossible to know which insurance companies will give you the biggest savings on Suzuki Swift insurance.

Insurance agents can help

When buying coverage for your vehicles, there really is no perfect coverage plan. Every insured’s situation is different so this has to be addressed. These are some specific questions might point out if you would benefit from an agent’s advice.

  • Does my policy pay for OEM or aftermarket parts?
  • Why am I required to get a high-risk car insurance policy?
  • Do I need rental car coverage?
  • Am I covered if my car is in a flood?
  • Do I need higher collision deductibles?
  • Why am I required to buy liability insurance?
  • I have health insurance so do I need medical payments coverage?
  • Is my Suzuki Swift covered if I use it for business?
  • Do I need PIP coverage since I have good health insurance?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Coverages available on your car insurance policy

Knowing the specifics of a car insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages found on the average car insurance policy.

Comprehensive auto coverage

This will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like hail damage, rock chips in glass, a broken windshield and hitting a bird. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for expenses for things like dental work, doctor visits, EMT expenses and surgery. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability

This can cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like loss of income, repair bills for other people’s vehicles, repair costs for stationary objects, emergency aid and structural damage. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision insurance

This coverage will pay to fix damage to your Swift caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like sideswiping another vehicle, scraping a guard rail, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 1994 Suzuki Swift.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually these coverages are similar to your liability insurance amounts.

Make a quick buck

As you shop your coverage around, it’s a bad idea to reduce needed coverages to save money. There are a lot of situations where an accident victim reduced liability limits or collision coverage only to find out that it was a big error on their part. The proper strategy is to find the BEST coverage for the lowest price.

Cost effective 1994 Suzuki Swift insurance can be bought online and also from your neighborhood agents, and you should be comparing both to have the best rate selection. Some auto insurance companies may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

More detailed auto insurance information is available by following these links: