1996 Suzuki Swift Car Insurance Quotes – 5 Discounts for Best Rates

Nobody I know gets a kick out of paying for car insurance, especially when the price is too high. Online insurance companies like Geico, 21st Century and Progressive constantly bombard you with ad campaigns and it can be hard to see through the deception and effectively compare rates to find the best deal.

Buy car insurance online

Effectively comparing car insurance prices is a ton of work if you don’t know the best way to get rate quotes. You could spend your day talking about coverages with insurance agencies in your area, or you could use the internet to get pricing more quickly.

Many insurance companies belong to a marketplace where prospective buyers submit one quote, and each participating company then gives them pricing based on that information. This saves time by eliminating repetitive form submissions to each company. To compare rates using this form now click here (opens in new window).

One minor caviat to comparing rates this way is that you can’t choose the insurers you will receive quotes from. So if you prefer to choose from a list of companies to request quotes from, we have assembled a list of the cheapest car insurance companies in your area. View list of insurance companies.

How you compare quotes is your choice, just ensure you’re using equivalent coverage data with every price quote. If you have different limits and deductibles on each one then you won’t be able to make a fair rate comparison.

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Big names are not always cheapest

Consumers can’t get away from all the ads that claim the lowest rates by State Farm, Geico and Progressive. All the ads advertise claims that drivers can save some big amount after switching to them.

How does every auto insurance company give you a lower rate?

Companies have specific guidelines for the right customer that will most likely be profitable. For example, a desirable risk may need to be between the ages of 30 and 45, has no prior claims, and has excellent credit. A driver who matches those parameters may get the lowest prices and will save a lot of money.

Potential insureds who do not fit those criteria will be quoted higher premium rates and this results in business not being written. The ads state “drivers who switch” not “everyone that quotes” save that much. That is how insurance companies can confidently make claims like that. Each company has different criteria, so you really should compare quotes as often as possible. You cannot predict which insurance companies will give you lower rates than your current company.

Insurance coverage discounts are available to reduce your rates

Insurance can cost an arm and a leg, but discounts can save money and there are some available to help bring down the price. Some discounts will apply when you complete an application, but a few must be inquired about before they will apply.

• College Student – who live away from home at college and don’t have a car could get you a discount.
• ABS Braking Discount – Cars, trucks, and SUVs equipped with ABS or steering control have fewer accidents so companies give up to a 10% discount.
• Multiple Policy Discount – When you have multiple policies and insure them with the same company you could save up to 20% and get you affordable insurance coverage.
• Theft Deterent System – Vehicles optioned with advanced anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
• Discounts for Good Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Swift insurance than drivers with accident claims.

Consumers should know that most credits do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Even though the math looks like you can get free auto insurance, it’s just not the way it works.

If you would like to view insurers who offer insurance coverage discounts, click here.

Everyone needs different car insurance coverages

When buying the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions might point out if your insurance needs will benefit from professional help.

• Is my cargo covered for damage or theft?
• When can I cancel my policy?
• When do I need to add a new car to my policy?
• Does my policy cover my teen driver if they drive my company car?
• When should my teen driver be added to my policy?
• Can I rate high risk drivers on liability-only vehicles?
• Should I drop comprehensive coverage on older vehicles?
• Should I sign the liability waiver when renting a car?
• Should I buy only the required minimum liability coverage?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

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Auto insurance policy coverages for a Suzuki Swift

Knowing the specifics of your policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages offered by auto insurance companies.

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, falling objects and a broken windshield. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as hitting a mailbox, hitting a parking meter, sideswiping another vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance reimburse you for bills for pain medications, dental work, rehabilitation expenses, doctor visits and nursing services. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1996 Suzuki Swift.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability coverages – Liability coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. 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 values of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as repair bills for other people’s vehicles, attorney fees, structural damage and court costs. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Summing up your insurance coverage search

In this article, we covered a lot of tips how to lower your 1996 Suzuki Swift insurance rates. The most important thing to understand is the more you quote insurance coverage, the better chance you’ll have of finding affordable insurance coverage. Drivers may discover the most savings is with the smaller companies. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm or Progressive.

Lower-priced 1996 Suzuki Swift insurance can be sourced from both online companies and from local agencies, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies may not provide online price quotes and usually these small, regional companies prefer to sell through independent insurance agents.

For more information, take a look at the articles below:

• State Car Insurance Guides (Geico)
• Should I Buy a New or Used Car? (Allstate)
• Red Light Cameras (State Farm)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Collision Coverage (Liberty Mutual)

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