1993 Suzuki Swift Insurance Rates
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UPDATED: Nov 16, 2021
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Looking for better insurance coverage rates for your Suzuki Swift? Paying for high-priced Suzuki Swift insurance can overdraw your savings account and put a big crunch on your finances. Comparison shopping is a smart way to make sure you’re not throwing money away.
You have multiple insurance companies to choose from, and though it is a good thing to be able to choose, too many choices makes it more difficult to adequately compare rates.
Consumers need to compare rates every six months because insurance rates are usually higher with each renewal. Just because you found the lowest rates for Swift coverage a couple years back you can probably find a better price now. Starting now, block out anything you think you know about insurance coverage because I’m going to teach you one of the best ways to find lower rates on insurance coverage.
Buying car insurance is not rocket science. Essentially every vehicle owner who has to buy auto insurance should be able to lower their premiums. But drivers must learn how insurance companies compete online and use this information to your advantage.
How much can you save with these five discounts?
Companies do not advertise every available discount very clearly, so we break down some of the more common as well as the least known discounts you could be receiving.
- Passive Restraint Discount – Factory air bags may earn rate discounts up to 30%.
- Club Memberships – Participating in a qualifying organization could qualify you for a break when buying auto insurance for Swift coverage.
- Accident Waiver – Certain companies permit an accident without raising rates if you are claim-free for a certain period of time.
- Sign Early and Save – Some companies give discounts for switching to them before your current policy expires. It can save you around 10%.
- Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
Keep in mind that most discounts do not apply to the entire policy premium. Most only cut the cost of specific coverages such as collision or personal injury protection. Just because you may think you could get a free auto insurance policy, auto insurance companies aren’t that generous.
Companies who might offer these money-saving discounts may include but are not limited to:
- American Family
- Farmers Insurance
- State Farm
Check with each company which discounts you may be entitled to. Discounts might not apply in every state.
How much car insurance do I need?
When it comes to buying adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions can help discover whether or not you will benefit from professional help.
- Does my insurance cover a custom paint job?
- Should I put collision coverage on all my vehicles?
- Are my friends covered when driving my 1993 Suzuki Swift?
- Is my Suzuki Swift covered if I use it for business?
- Is business property covered if stolen from my car?
- How much liability do I need to cover my assets?
- Does coverage extend to my business vehicle?
- Am I covered when driving someone else’s vehicle?
- What is the difference between comprehensive and collision coverage?
If you’re not sure about those questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.
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Insurance policy coverages for a 1993 Suzuki Swift
Knowing the specifics of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. These are typical coverages found on most insurance policies.
This will cover injuries or damage you cause to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability can pay for claims such as repair bills for other people’s vehicles, medical services and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.
Coverage for collisions
Collision insurance pays for damage to your Swift resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.
Collision insurance covers things like rolling your car, colliding with another moving vehicle, scraping a guard rail and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.
Uninsured/Underinsured Motorist coverage
This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Suzuki Swift.
Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance kick in for immediate expenses like pain medications, rehabilitation expenses, ambulance fees, hospital visits and funeral costs. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage
Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers things such as a tree branch falling on your vehicle, hitting a deer and fire damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
The cheapest 1993 Suzuki Swift insurance can be bought on the web and with local insurance agents, and you should be comparing both to have the best selection. Some companies do not offer online quoting and many times these smaller companies only sell through independent insurance agents.
As you go through the steps to switch your coverage, do not buy less coverage just to save a little money. Too many times, someone dropped liability coverage limits and found out when filing a claim that it was a big error on their part. Your strategy should be to find the BEST coverage at the best price.
More information can be found on the following sites:
- How do I File a Claim? (Insurance Information Insitute)
- Auto Insurance Basics (Insurance Information Insitute)
- Distracted Driving (Insurance Information Insitute)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
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