1998 Suzuki Swift Insurance Cost

Looking for cheaper auto insurance rates for your Suzuki Swift? I can’t think of a single person who likes having to buy auto insurance, particularly when the cost is way too high. Many insurers compete to insure your vehicles, and because of this it can be hard to compare insurers to find the absolute best rate

If you have a current insurance policy or are looking for a new policy, you can learn to get lower rates and still get good coverage. Finding affordable coverage is quite easy. Vehicle owners only need an understanding of the most effective way to compare price quotes on the web.

Automobile Insurance Quotes

Most companies quote coverage price quotes on their websites. Getting quotes is fairly simple as you just type in your coverage information into a form. When the form is submitted, their rating system makes automated requests for your driving and credit reports and provides a quote. Online price quotes makes it a lot easier to compare rates but the time it takes to visit different websites and type in the same information can get tiresome after awhile. But it’s absolutely necessary to do this in order to find the best price possible.

An easier way to locate the lowest prices is to use a quote form that analyzes rates from several companies at one time. It saves time, eliminates form submissions, and makes quoting online a lot less work. Immediately after submitting the form, it gets priced with multiple companies and you can pick your choice of the quote results.

If you find a better price you can simply submit the application and buy the policy. The whole process takes 15 minutes at the most and you will find out if you’re overpaying now.

To fill out one form to compare multiple rates now, click here and complete the simple form. If you currently have coverage, we recommend you copy your coverages identical to your current policy. This guarantees you will have a price comparison based on identical coverages.

Discounts can save BIG

The price of auto insurance can be rather high, but there could be available discounts that you may not know about. Some discounts apply automatically at the time of purchase, but some may not be applied and must be asked for in order for you to get them. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off the personal injury premium cost.
  • Discount for Good Grades – Getting good grades can save 20 to 25%. This discount can apply up to age 25.
  • Distant Student – Children who are attending college without a vehicle on campus may qualify for this discount.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy could earn a price break for each car.
  • Homeowners Discount – Being a homeowner may trigger a car insurance policy discount because maintaining a house requires personal responsibility.

Consumers should know that most credits do not apply to the entire policy premium. Some only apply to specific coverage prices like comprehensive or collision. Just because you may think adding up those discounts means a free policy, it just doesn’t work that way. Any qualifying discounts will cut your overall premium however.

For a list of insurers who offer car insurance discounts, click here to view.

Will just any policy work for me?

When it comes to choosing coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions might help in determining whether you might need professional guidance.

  • Is my Suzuki Swift covered if I use it for business?
  • I have good health insurance, so how much medical payments coverage do I need?
  • When do I need to add a new car to my policy?
  • What can I do if my company denied a claim?
  • Is my camper covered by my car insurance policy?
  • Does my policy cover my teen driver if they drive my company car?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and can provide invaluable advice.

Lesser-known factors impacting Suzuki Swift insurance rates

Smart consumers have a good feel for the factors that go into determining your insurance coverage rates. Understanding what impacts premium levels enables informed choices that can help you get better insurance coverage rates.

Listed below are some of the items insurance coverage companies consider when setting your rates.

  • Safer cars cost less to insure – Vehicles with good safety scores tend to have better insurance rates. Safer cars protect occupants better and lower injury rates means lower claim amounts passed on to you as lower rates. If your Suzuki Swift scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Poor driving leads to higher costs – Your driving citation history has a lot to do with how much you pay for insurance. Drivers with clean records tend to pay less for car insurance compared to drivers with tickets. Even one citation may increase your cost by twenty percent. Drivers who have flagrant citations such as hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
  • Your location is important – Living in a small town can save you money when buying insurance coverage. Less people living in that area means a lower chance of having an accident and also fewer theft and vandalism claims. Urban drivers tend to have traffic congestion and longer commutes to work. Longer commute distances can result in more accidents.
  • Multiple policies with one company can save – Some insurers give discounts to people who buy several policies from them in the form of a multi-policy discount. Even though this discount sounds good, you still need to compare rates to confirm you are receiving the best rates possible. Drivers may still find a better deal by buying insurance from more than one company.
  • Your spouse saves you money – Having a wife or husband actually saves money on your policy. It means you’re more responsible it has been statistically shown that married drivers get in fewer accidents.
  • The more you drive the more you pay – The more you drive every year the higher your rates will be. The majority of insurers rate vehicles based on how the vehicle is used. Autos not used for work or commuting qualify for better rates compared to those used for work or business. Improper usage on your Swift may be costing you. Ask your agent if your insurance coverage policy properly reflects the correct driver usage.
  • Poor credit can mean higher rates – Having a bad credit score is a huge factor in determining your rates. Drivers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with poor credit. If your credit rating is low, you could potentially save money when insuring your 1998 Suzuki Swift by improving your rating.
  • Protect yourself with liability coverage – Your policy’s liability coverage is the protection if ever you are found to be at fault for causing damage or personal injury in an accident. It will provide for a legal defense which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so do not skimp.

The fine print in insurance coverage ads

Consumers constantly see and hear ads for car insurance savings from companies such as Allstate and Progressive. All the ads say the same thing of big savings after switching your policy.

But how can every company make the same claim? This is how they do it.

Different companies are able to cherry pick for the type of driver they prefer to insure. A good example of a profitable customer might be profiled as over the age of 40, has no tickets, and drives less than 10,000 miles a year. Any driver who matches those parameters receives the best rates and is almost guaranteed to save when they switch companies.

Drivers who are not a match for the “perfect” profile will be charged more money and this can result in business going elsewhere. The ads say “customers who switch” but not “drivers who get quotes” save that much. That’s the way companies can truthfully make those claims.

That is why it is so important to get a wide range of price quotes. It’s not possible to predict which insurance companies will have the lowest Suzuki Swift insurance rates.

Specific coverage details

Learning about specific coverages of your auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the usual coverages found on most auto insurance policies.

Comprehensive insurance – Comprehensive insurance coverage covers 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 protects against claims like theft, hitting a deer, a broken windshield, a tree branch falling on your vehicle and hitting a bird. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision – This coverage will pay to fix damage to your Swift resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a parking meter, sustaining damage from a pot hole and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Suzuki Swift.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Most of the time these limits do not exceed the liability coverage limits.

Liability insurance – This protects you from injuries or damage you cause to other people or property. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as bail bonds, repair costs for stationary objects, loss of income and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as pain medications, nursing services, hospital visits, EMT expenses and ambulance fees. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Make an honest buck

As you restructure your insurance plan, never reduce needed coverages to save money. In many instances, an insured dropped full coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

In this article, we covered a lot of information how to compare 1998 Suzuki Swift insurance prices online. It’s most important to understand that the more providers you compare, the better your comparison will be. You may be surprised to find that the lowest rates come from a lesser-known regional company. Some small companies often have lower prices on specific markets than their larger competitors like Progressive and GEICO.

Affordable insurance is available online and with local insurance agents, and you should compare price quotes from both to have the best selection. Some car insurance companies do not offer online quoting and these smaller companies work with independent agents.

More information is available on the following sites: