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1998 Suzuki Swift Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 20, 2020

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Sick and tired of paying out the nose to insure your Suzuki every month? You are no different than many other consumers. Because you have many choices, it can be challenging to find the lowest cost insurance company.

Discounts are great for lower rates

Properly insuring your vehicles can get expensive, but there are discounts available that you may not know about. Certain discounts will be triggered automatically at the time of purchase, but some must be inquired about before you will receive the discount. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Paperless Signup – A few companies will give a small break simply for signing over the internet.
  • Resident Student – Youth drivers who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you could save 5% or more.
  • Military Rewards – Being deployed with a military unit can result in better rates.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only apply to specific coverage prices like comprehensive or collision. Just because it seems like all those discounts means the company will pay you, you’re out of luck. But all discounts will cut your overall premium however.

A partial list of companies who might offer these discounts include:

It’s a good idea to ask every prospective company which discounts you may be entitled to. Some discounts may not be available in your area.

Why your Suzuki Swift might be costing you more

Consumers need to have an understanding of some of the elements that help determine the rates you pay for insurance. Understanding what impacts premium levels allows you to make educated decisions that may reward you with lower insurance prices.

The following are a few of the “ingredients” companies use to determine rates.

  • Frequent insurance claims increase rates – If you frequently file small claims, you can expect either policy cancellation or increased premiums. Insurance companies generally give cheaper rates to people who are claim-free. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.
  • Teen drivers pay high rates – Teen drivers tend to be more careless when driving so they pay higher insurance rates. Adding a teenage driver to your insurance policy can break the bank. More mature drivers are viewed as being more responsible, tend to file fewer claims and are safer drivers.
  • Better credit means lower rates – Having a bad credit rating is a big factor in calculating your insurance rates. People with high credit scores tend to be more responsible as compared to drivers with lower credit scores. Therefore, if your credit score can use some improvement, you could be paying less to insure your 1998 Suzuki Swift by repairing your credit.
  • Choose a safe vehicle and save – Cars with high safety ratings are cheaper to insure. The safest vehicles protect occupants better and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If your Suzuki Swift earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Allowing your policy to lapse raises rates – Driving with no insurance is a misdemeanor and as a result your rates will increase for letting your coverage lapse. And not only will insurance be more expensive, but not being able to provide proof of insurance might get you a revoked license or a big fine.
  • Do you have a high stress job? – Occupations such as doctors, executives and stock brokers tend to pay the highest rates because of high stress levels and long work days. On the other hand, occupations like actors, students and the unemployed have the lowest average rates for Swift insurance.
  • Marriage brings a discount – Getting married helps lower the price when buying insurance. Having a spouse translates into being more mature and it’s proven that being married results in fewer claims.

You may need specialized coverage

When it comes to buying proper insurance coverage for your personal vehicles, there is no cookie cutter policy. Every insured’s situation is different so your insurance should reflect that For example, these questions could help you determine if your insurance needs will benefit from professional help.

  • Will I lose any money if I cancel my policy before it expires?
  • Why am I required to get a high-risk car insurance policy?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my Suzuki Swift covered if I use it for business?
  • Does my policy pay for OEM or aftermarket parts?
  • Is pleasure use cheaper than using my 1998 Suzuki Swift to commute?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I need added coverage for expensive stereo equipment?
  • Are all vehicle passengers covered by medical payments coverage?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Free Auto Insurance Comparison

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Auto insurance coverages

Having a good grasp of your car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on most car insurance policies.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as nursing services, doctor visits, ambulance fees and dental work. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as theft, vandalism, hitting a bird and fire damage. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto liability

Liability insurance will cover damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as loss of income, bail bonds and attorney fees. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Collision coverage protection

This coverage covers damage to your Swift resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like sideswiping another vehicle, colliding with another moving vehicle, crashing into a building, hitting a parking meter and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Shop around and save

Low-cost 1998 Suzuki Swift insurance is available from both online companies and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. Some companies do not offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

In this article, we presented a lot of tips how to lower your insurance rates. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may even find the best price on car insurance is with some of the lesser-known companies. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as State Farm, GEICO and Nationwide.

Additional information is available below:

Use our FREE quote tool to compare rates now!

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