Save on 2000 Suzuki Swift Insurance Rates

Looking for the cheapest car insurance rates for your Suzuki Swift? Sick and tired of paying out the nose to insure your Suzuki every month? Your situation is no different than many other consumers.

Many car insurance companies vie for your business, and it can be difficult to compare rates to find the lowest rate

It’s a great practice to do rate comparisons before your policy renews since insurance rates are usually higher with each renewal. If you had the lowest rates for Swift coverage a few years ago there is a good chance you can find better rates now. You can find a lot of misleading information regarding car insurance online, so we’re going to give you some guaranteed methods to slash your car insurance rates.

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these techniques. Buying car insurance is quite easy. Nevertheless, car owners do need to know how big insurance companies compete online and take advantage of how the system works.

How to Compare Car Insurance Quotes

Effectively comparing car insurance prices can take hours if you don’t know the easiest way. You can spend countless hours driving to insurance agencies in your area, or you can utilize the internet to get rates in a matter of minutes.

Many popular insurance companies take part in a program that enables customers to submit one quote, and each participating company can provide price quotes based on that data. This eliminates the need for quote forms to each company.

To find out what other companies charge for 2000 Suzuki Swift insurance click here to open in new window.

One minor caviat to doing it this way is you don’t know exactly the insurers to get quotes from. So if you want to choose from a list of companies to compare, we have assembled a list of the cheapest car insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just double check that you are using exactly the same coverage information for every quote you compare. If you use differing limits it’s not possible to truly determine the lowest rate. Having just a slight variation in coverage limits can make a big difference in price. And when comparison shopping, getting more free quotes will enable you to find the best rates.

Discounts on 2000 Suzuki Swift insurance

Car insurance is not cheap, but you can get discounts that can drop the cost substantially. Some trigger automatically when you quote, but a few must be asked about before being credited.

  • College Student – Youth drivers who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Passive Restraint Discount – Factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • New Car Discount – Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
  • Payment Discounts – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
  • One Accident Forgiven – Certain companies allow you one accident without raising rates so long as you haven’t had any claims for a set time period.
  • Bundle and Save – When you combine your home and auto insurance with the same company you could get a discount of up to 20% off your total premium.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.

Consumers should know that some of the credits will not apply to the overall cost of the policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. So when it seems like you could get a free insurance coverage policy, companies wouldn’t make money that way. But all discounts will reduce your overall premium however.

For a list of insurance companies offering insurance coverage discounts, click this link.

Why your Suzuki Swift might be costing you more

An important part of buying insurance is that you know the different types of things that go into determining the price you pay for auto insurance. Understanding what influences your rates allows you to make educated decisions that may reward you with lower auto insurance prices.

  • Teen drivers pay high rates – Teenage drivers are statistically proven to be careless and easily distracted in a vehicle so auto insurance rates are higher. Mature drivers are more cautious drivers, statistically cause fewer accidents and get fewer tickets.
  • Your car’s features help determine rates – 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 can thwart your vehicle from being stolen.
  • Men pay higher rates – Statistics demonstrate women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. Both sexes cause accidents at a similar rate, but men tend to have more serious accidents. Men also get cited for more serious violations such as reckless driving.
  • More than one policy can earn a discount – Most auto insurance companies give discounts to policyholders who consolidate policies with them. It’s known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. If you currently are using one company, you still need to shop around to ensure the best deal. You may still be able to find better rates by buying auto insurance from a different company.
  • A clean driving record saves money – Only having one speeding ticket can bump up the cost twenty percent or more. Drivers who don’t get tickets receive lower rates than people who have multiple driving citations. Drivers with severe tickets such as DUI or reckless driving are required to file a SR-22 with their state DMV in order to drive a vehicle legally.
  • Don’t get talked into coverage you don’t need – There are a lot of additional coverages that you can buy when buying auto insurance. Insurance for roadside assistance, towing coverage and term life insurance are some examples. They may seem good at first, but if they’re wasting money eliminate the coverages to reduce your premium.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Each situation is unique so your insurance needs to address that. For example, these questions may help you determine if you would benefit from professional advice.

  • What is the difference between comprehensive and collision coverage?
  • Is a blown tire covered by insurance?
  • Are rock chip repairs covered?
  • Should I get collision insurance on every vehicle?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What is the ISO rating for a 2000 Suzuki Swift?
  • Should I have combined single limit or split liability limits?
  • How high should deductibles be on a 2000 Suzuki Swift?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area.

Can switching companies really save?

Geico, State Farm and Progressive continually stream ads in print and on television. All the companies say the same thing that you can save after switching your coverage to them. How do they all make almost identical claims? This is how they do it.

All companies have a certain “appetite” for the type of customer that earns them a profit. For example, a desirable insured could be between 25 and 40, insures multiple vehicles, and has excellent credit. A propective insured who meets those qualifications gets the lowest rates and as a result will probably save quite a bit of money when switching.

Potential customers who are not a match for the “perfect” profile will have to pay a more expensive rate and ends up with the driver buying from a lower-cost company. The ads say “people who switch” but not “drivers who get quotes” save money. This is how insurance companies can state the savings.

Because of the profiling, you should quote coverage with many companies. It’s not possible to predict which company will fit your personal profile best.

Auto insurance coverage basics

Understanding the coverages of your auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages offered by auto insurance companies.

Collision coverages – Collision coverage will pay to fix damage to your Swift resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as sideswiping another vehicle, hitting a mailbox, rolling your car and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Coverage for liability – This will cover injuries or damage you cause to other people or property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as emergency aid, loss of income, funeral expenses and bail bonds. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hail damage, damage from flooding, falling objects, rock chips in glass and a broken windshield. The maximum amount your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage – This provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently these limits are identical to your policy’s liability coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for bills such as funeral costs, prosthetic devices, EMT expenses, ambulance fees and surgery. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

You can do this!

The cheapest 2000 Suzuki Swift insurance is available from both online companies and also from your neighborhood agents, so compare prices from both so you have a total pricing picture. Some insurance companies may not provide the ability to get a quote online and these smaller companies work with independent agents.

We’ve covered many ideas to compare insurance prices online. The key thing to remember is the more rate comparisons you have, the better likelihood of reducing your rate. Consumers may even find the most savings is with some of the smallest insurance companies. Regional companies can often insure niche markets at a lower cost compared to the large companies like Allstate or State Farm.

When shopping online for auto insurance, do not buy poor coverage just to save money. Too many times, someone dropped physical damage coverage and learned later that they should have had better coverage. The ultimate goal is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

Much more information about auto insurance is located on the following sites: