How Much Does 1999 Suzuki Swift Insurance Cost?

Looking for the cheapest auto insurance rates for your Suzuki Swift? Sick and tired of wondering where the money will come from to pay your auto insurance bill each month? You are no different than millions of other vehicle owners.

Because you have many options, it’s nearly impossible to locate the cheapest insurance company.

It’s a great practice to compare premium rates occasionally since prices are variable and change quite frequently. If you had the best rate for Swift coverage a year ago you can probably find a better premium rate now. There is lot of inaccurate information about auto insurance on the internet, but in just a couple of minutes you can learn a lot of great tips on how to find affordable auto insurance.

How to buy car insurance online

There are a lot of ways you can shop for car insurance but one way is easier and takes less work. You can spend your afternoon discussing policy coverages with agents in your area, or you can stay home and use online quoting to get pricing more quickly.

The majority of car insurance companies take part in a program that allows shoppers to complete one form, and at least one company then gives them pricing determined by their information. This system prevents you from having to do quotation requests for each company you want a rate for.

To find out how much you’re overpaying now click to open in new window.

One minor caviat to comparing rates this way is that you can’t choose which companies to receive prices from. So if you want to choose from a list of companies to compare, we have a page of the cheapest car insurance companies in your area. View list of insurance companies.

The approach you take is up to you, just be sure to compare equivalent deductibles and coverage limits on every price quote you get. If you enter different deductibles you will not be able to decipher which rate is best. Slightly different insurance coverages may cause a big price difference. And when comparison shopping, more quotes will improve the odds of getting a lower rate. Some smaller insurers to not give price estimates online, so it’s important to also get price quotes from them as well.

Tailor your car insurance coverage to you

When buying the right insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that might help in determining if your insurance needs might need an agent’s assistance.

  • Does my policy cover me when driving someone else’s vehicle?
  • Will my insurance pay for OEM parts?
  • Do I need an umbrella policy?
  • Am I covered if hit by an uninsured driver?
  • Do I need motorclub coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What is high-risk coverage and where do I buy it?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Auto insurance coverages

Learning about specific coverages of car insurance can help you determine the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages available from car insurance companies.

Liability car insurance – Liability coverage will cover damages or injuries you inflict on a person or their property. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims like funeral expenses, court costs and structural damage. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for doctor visits, funeral costs, pain medications, rehabilitation expenses and hospital visits. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your 1999 Suzuki Swift.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits are set the same as your liablity limits.

Collision – Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as sideswiping another vehicle, damaging your car on a curb, scraping a guard rail, rolling your car and backing into a parked car. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive coverages – This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as rock chips in glass, hitting a deer and damage from a tornado or hurricane. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.