Suzuki Swift+ Insurance in Nevada – 8 Discounts You Might be Forgetting

Finding low-cost insurance for a Suzuki Swift++ in Nevada could be an all-consuming task, but you can learn our auto insurance buying tips to make it easier. There are more efficient ways to compare auto insurance rates and we’ll show you the best way to compare rates for your Suzuki and get the cheapest rates from both online companies and Nevada agents.

It’s important to price shop coverage quite often because rates are usually higher with each renewal. Even if you got the best rates on Swift+ coverage last year other companies may now be cheaper. So just block out anything you think you know about auto insurance because we’re going to show you the fastest and easiest way to remove unneeded coverages and save money.

If you have a policy now or are shopping for new coverage, you can use these tips to cut your premiums and still get good coverage. Buying cheaper auto insurance is simple if you know the tricks. Nevada drivers just need to know the most efficient way to get comparison rates online.

Which Auto Insurance is Cheapest in Nevada?

Lowering your Suzuki Swift+ auto insurance rates isn’t really that difficult. Consumers just need to take a couple of minutes to get quotes from different insurance companies. This can be done in just a few minutes using one of these methods.

The recommended way to find the lowest comparison rates would be an industry-wide quote request form (click to open form in new window). This method saves time by eliminating a different quote for each company you want a rate for. Taking the time to complete one form compares rates from multiple low-cost companies. Recommended for those who want to invest the least amount of time.
A harder way to analyze rates requires a trip to the website for every company you want to comare to request a price quote. For instance, let’s assume you want to compare State Farm, Safeco and Travelers. To get rate quotes you would need to visit each site to enter your coverage information, which is why the first method is more popular.
To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but ensure you are comparing apples-to-apples coverages and limits with every price quote. If you compare differing limits you will not be able to decipher which rate is best.

These eight discounts can slash auto insurance rates

Auto insurance companies don’t list all their discounts in an easy-to-find place, so we researched some of the best known and the harder-to-find ways to save on auto insurance. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

Fewer Miles Equal More Savings – Fewer annual miles on your Suzuki could qualify for a substantially lower rate.
Early Signing – Some insurance companies reward drivers for switching to them before your current policy expires. This can save 10% or more.
Distant Student – Kids in college who attend school more than 100 miles from home and do not have a car may qualify for this discount.
Own a Home – Owning a house can save you money because of the fact that having a home requires personal responsibility.
Life Insurance Discount – Companies who offer life insurance give better rates if you take out life insurance.
Passive Restraints – Cars that have air bags may earn rate discounts up to 30%.
Theft Prevention System – Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
Accident Waiver – A handful of insurance companies will allow you to have one accident before your rates go up if your claims history is clear for a particular time prior to the accident.

It’s important to note that some of the credits will not apply to the entire cost. Most cut individual premiums such as liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, companies wouldn’t make money that way.

To see a list of insurance companies offering auto insurance discounts in Nevada, follow this link.

When might I need the advice of an agent?

When choosing proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Every situation is different.

These are some specific questions may help you determine if your insurance needs will benefit from professional help. Nevada insurance banner

Will my rates increase for filing one claim?
Why does it cost so much to insure a teen driver in Nevada?
Is my vehicle covered by my employer’s policy when using it for work?
Will my vehicle be repaired with OEM or aftermarket parts?
Do I really need UM/UIM coverage?
Who is covered by my policy?
Does my policy cover my teen driver if they drive my company car?
Are rental cars covered under my policy?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Coverages available on your policy

Having a good grasp of your policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

Insurance for medical payments – Med pay and PIP coverage kick in for bills like chiropractic care, rehabilitation expenses, pain medications and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Collision – Collision coverage pays for damage to your Swift+ from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sideswiping another vehicle, damaging your car on a curb and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision) – This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as fire damage, a tree branch falling on your vehicle, damage from a tornado or hurricane, rock chips in glass and damage from getting keyed. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverages – This coverage will cover injuries or damage you cause to other people or property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values 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.

Liability insurance covers claims such as pain and suffering, court costs, structural damage, attorney fees and medical services. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible. Nevada requires minimum liability limits of 15,000/30,000/10,000 but you should consider buying higher limits.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Suzuki Swift+.

Because many people only carry the minimum required liability limits (which is 15/30/10), their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Best coverage at the best price

Throughout this article, we presented a lot of tips how to lower your Suzuki Swift+ insurance rates. It’s most important to understand that the more companies you get rates for, the higher the chance of saving money. Drivers may discover the best price on auto insurance is with a smaller regional carrier.

When trying to cut insurance costs, make sure you don’t sacrifice coverage to reduce premiums. There have been many cases where someone dropped collision coverage and discovered at claim time that they should have had better coverage. The proper strategy is to buy enough coverage for the lowest price while still protecting your assets.

Drivers leave their current company for any number of reasons including extreme rates for teen drivers, poor customer service, policy cancellation or even high rates after DUI convictions. It doesn’t matter why you want to switch choosing a new company can be pretty painless.

To learn even more about auto insurance

Even more information can be read at the Nevada Division of Insurance website. Nevada consumers can discover disciplinary actions, find out which companies have the most complaints, and report car insurance fraud.

The following information may also be useful.