Three Easy Steps to Lower Suzuki Swift+ Insurance Rates
If we enjoyed shopping for car insurance, we'd do it more often. But the reality is, it's a chore for most people and we seem to always end up paying more than we want to. Cutting the check for each renewal on your Suzuki Swift+ might give you the same feeling.
Step One: Get Insurance Quotes
Up until just recently, the only option you had for shopping for insurance was getting a high pressure sales pitch in the office of your local insurance agent. Welcome to the NEW way to buy car insurance!
Comparing apples-to-apples price quotes for your Suzuki Swift+ is made easy by only requiring one form to be completed. This will shop your coverage with multiple companies and allow you to easily compare rates.
Simply click the link below to start a quote that will compare rates from many companies and you may find a lower rate than you're currently paying.
Read this (it's important)! When doing any car insurance quote to compare rates to either your existing policy or to other quotes, it's important to use identical coverages on all quotes. Otherwise you will not be able to accurately determine which company has the lowest rate for your Swift+.
Step Two: How to Insure your Swift+ for Less
After completing step one and having some rates to compare, you can now focus on policy and lifestyle modifications that will lower your Swift+ insurance rates.
- Consider raising your comprehensive and collision deductibles if you carry full coverage. By accepting more risk yourself, your car insurance company will cut you a break on your physical damage premiums.
- If you're not sure what your credit rating is, check it now. Car insurance companies use your credit score to determine the rates you pay, so the better your credit, the less you will pay.
- Youthful or teen drivers that are rated on any vehicle will cost more. The inexperience and tendancy to enjoy going fast is a recipe for an accident.
- Consider taking a defensive driving course. You can often make up the cost of the course in as little as a single policy renewal.
- Speeding and other minor violations can impact your car insurance rates for up to three years. The increased cost can easily exceed the fine and court costs for the original ticket.
- Letting your car insurance expire without having new coverage in place is called a "lapse" and will cause your next policy premiums to be higher.
- Safety features such as passive restraints and air bag systems help reduce injuries in and accident, and car insurance companies will charge lower rates if these features are present.
- Renting a house or apartment rather than owning a home may keep you from paying the lowest rates on car insurance. Home ownership is viewed as being more financially responsible than renting.
- A claim-free discount can help keep your rates down, so don't file claims that are only marginally more than your deductible. You're better off keeping the discount.
- If you are a senior citizen or belong to a particular professional organization, you may qualify for a break on insurance.
- For some reason, car theives target particular makes and models more than others. If your Swift+ is on the list of the top stolen cars, you might want to install an extra theft deterrent system just to be safe.
Step Three: Finalize your Policy Details
Once you have compared identical rate quotes for your Swift+ and made a decision on deductibles, coverages and other policy options, you are ready to buy your policy with the new company.
It's critical that your new policy starts the same day that your old policy ends. If you are cancelling mid-term, make sure there is no lapse in coverage before your new policy kicks in.
If the Suzuki Swift+ is a new purchase and you haven't had car insurance before, make sure you have coverage in place before driving off the lot. If you have other vehicles already covered, then you will have coverage for the new vehicle. Anytime you buy a vehicle, you want to make sure coverage is in place before driving off the lot. If you have a policy now, you will have at least liability coverage. But if you don't insure any vehicles with full coverage, then you will put your new Swift+ at risk as soon as you drive away.
Once you finish buying your new policy, you will need to print out the proof-of-insurance card that is provided by your new company. This card is proof that you meet the state's minimum liability limits and is required to be kept in your vehicle. SR-22 filings are for high risk drivers and ensure that you have met your state's financial responsibility requirements. If you have DUI, DWI or uninsured accident convictions, you may have to file an SR-22 with your state DMV.
For More Information
To read more about filing a claim, choosing replacement parts, rental car insurance and more, visit the Insurance Information Institute.
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