How Much Does 1992 Suzuki Swift Insurance Cost?

Searching for better car insurance rates for your Suzuki Swift? Purchasing the most affordable car insurance over the internet can seem to be somewhat intimidating for drivers that are not comfortable with quoting and shopping for insurance on the internet. With literally dozens of companies in the marketplace, how can you effectively compare every possible option in order to find cheaper car insurance prices?

The most recommended method to compare insurance rates in your area is to know most of the larger companies participate in online systems to quote your coverage. To begin a comparison, all you need to do is provide details like your job, an estimate of your credit level, any included safety features, and if the vehicle is leased. Your insurance information is then sent to insurance companies and you will get price comparisons instantly.

To compare rates now, click here and complete the quick form.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover whether your personal situation will benefit from professional help.

  • Is extra glass coverage worth it?
  • Do I need special endorsements for business use of my vehicle?
  • What is high-risk coverage and where do I buy it?
  • What is covered by UM/UIM coverage?
  • Is my babysitter covered when using my vehicle?
  • Are my friends covered when driving my 1992 Suzuki Swift?
  • When can I cancel my policy?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance coverages and their meanings

Having a good grasp of your policy aids in choosing the best coverages for your vehicles. Auto insurance terms can be impossible to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Auto liability insurance

Liability coverage can cover injuries or damage you cause to people or other property by causing an accident. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like funeral expenses, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for expenses like funeral costs, X-ray expenses and rehabilitation expenses. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to 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

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a deer, rock chips in glass, hitting a bird and fire damage. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto collision coverage

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as hitting a mailbox, backing into a parked car, driving through your garage door and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.