Cheap 1991 Subaru Justy Insurance Cost

Want lower insurance coverage rates for your Subaru Justy? Did you fall for a flashy sales pitch and buy high-priced insurance coverage? Say no more because there are many drivers thinking the same thing.

Lots of insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare insurance companies to find the best rate

If you are paying for car insurance now, you will be able to reduce your rates substantially using this information. Finding the best rates is not rocket science. Although vehicle owners do need to understand how big insurance companies market on the web because it can help you find the best coverage.

Insurance coverage quotes comparison

There are several ways to compare insurance coverage quotes, but one way is less labor-intensive and much quicker. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you can stay home and use online quoting to get pricing more quickly.

Most of the larger companies are enrolled in a marketplace that enables customers to send in one quote, and each company then gives them pricing determined by their information. This saves time by eliminating quote forms for each company you want a rate for. To fill out one form to compare multiple rates now click here to open in new window.

The only downside to using this type of system is you are unable to specify the companies to get quotes from. So if you prefer to pick specific insurance companies to compare prices, we have a listing of insurance coverage companies in your area. Click to view list.

It’s your choice how you get your quotes, but try to use apples-to-apples coverage limits on every quote you get. If the quotes have unequal deductibles or liability limits it will be nearly impossible to make a fair rate comparison. Even a minor difference in limits may cause a big price difference. Keep in mind that comparing a wide range of rates increases your odds of finding better pricing.

Insurance coverage companies offer lots of discounts

Car insurance companies don’t necessarily list every possible discount very well, so we break down a few of the more well known and also the more inconspicuous credits available to lower your premiums when you buy auto insurance online. If you’re not getting every credit you deserve, you are just wasting money.

• Save with More Vehicles Insured – Purchasing coverage when you have multiple cars or trucks with the same insurance coverage company can reduce rates for all insured vehicles.
• 55 and Retired – If you qualify as a senior citizen, you may receive a discount up to 10% on Justy insurance.
• Government Employees – Being employed by or retired from a federal job may qualify for a discount when you quote auto insurance on Justy insurance with select insurance companies.
• Driver Education Discount – It’s a good idea to have your young drivers enroll in driver’s education in school.
• Switch and Save Discount – Some insurance coverage companies give discounts for buying a new policy prior to your current policy expiration. You may see this discount when you get auto insurance quotes online.
• Fewer Miles Equal More Savings – Low annual miles can earn discounted rates on garaged vehicles.

Discounts save money, but please remember that most of the big mark downs will not be given to your bottom line cost. Some only apply to the price of certain insurance coverages like medical payments or collision. Despite the fact that it seems like it’s possible to get free car insurance, you’re out of luck. But any discount will positively reduce your overall bill.

Popular insurance coverage companies and a partial list of their discounts can be found below.

• State Farm discounts include good student, student away at school, accident-free, Steer Clear safe driver discount, driver’s education, and passive restraint.
• American Family has discounts for good student, accident-free, TimeAway discount, early bird, and good driver.
• AAA has savings for education and occupation, anti-theft, good student, good driver, and pay-in-full.
• Geico offers premium reductions for military active duty, multi-vehicle, five-year accident-free, air bags, and daytime running lights.
• Mercury Insurance may have discounts that include ease of repair, multi-policy, location of vehicle, annual mileage, professional/association, accident-free, and multi-car.
• Farmers Insurance may offer discounts for business and professional, youthful driver, switch companies, teen driver, and pay in full.
• Progressive policyholders can earn discounts including continuous coverage, online quote discount, online signing, multi-vehicle, and good student.

When getting a coverage quote, ask each insurance company which credits you are entitled to. A few discounts may not be offered in your area. To find insurance coverage companies who offer discounts, follow this link.

How to lower your insurance rates

The best way to find cheaper auto insurance is to take a look at some of the elements that come into play when calculating your policy premiums. If you know what controls the rates you pay, this empowers consumers to make smart changes that can earn you much lower annual insurance costs.

Shown below are most of the major factors companies use to determine premiums.

• Deter car thieves – Choosing a vehicle that has a built-in theft deterrent system can get you a discount on your auto insurance. Systems that thwart theives like OnStar, LoJack tracking, and tamper alarms all help stop your car from being stolen.
• Only buy extra coverages you need – There are a lot of add-on coverages that can waste your money if you don’t pay attention. Insurance for things like vanishing deductibles, death and dismemberment, and motor club memberships are some examples. They may sound like good ideas when discussing your needs, but your needs may have changed so eliminate them to save money.
• Tickets mean higher premiums – Careful drivers have lower premiums than their less careful counterparts. Only having one speeding ticket or other violation could increase your next policy renewal by as much as twenty percent. Drivers with severe violations like reckless driving or DUI may find that they have to to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to legally drive a vehicle.
• Auto insurance rates and your employer – Did you know your occupation can influence how much you pay for auto insurance? Occupational choices like doctors, architects and accountants generally pay higher average rates in part from intense work-related stress and extremely grueling work hours. Other occupations such as actors, students and performers pay the least on Justy insurance.
• Gender matters – Over time, data shows women are more cautious behind the wheel. The data does not necessarily mean that women are better drivers. Both sexes are in at-fault accidents in similar numbers, but the men get into accidents with more damage. Men also statistically get ticketed for serious violations such as DWI and reckless driving.
• Low coverage deductibles can be expensive – Physical damage protection, aka comp and collision, covers damage that occurs to your Subaru. Examples of covered claims are a broken windshield, flood damage, or theft. Comprehensive and collision coverage deductibles are the amount of money you are willing to pay if a covered claim is submitted. The higher the amount the insured is willing to pay, the lower your rates will be on Justy insurance.

Do I just need basic coverages?

When buying the best insurance coverage coverage for your vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether or not you would benefit from an agent’s advice.

• Am I covered if I break a side mirror?
• Why do I need rental car insurance?
• How can I find cheaper teen driver insurance?
• Do I need more liability coverage?
• Is my cargo covered for damage or theft?
• Is my business laptop covered if it gets stolen from my vehicle?
• I don’t drive much so do I pay less?
• Can I rent a car in Mexico?

If it’s difficult to answer 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 coverage companies in your area.

Insurance coverages explained

Knowing the specifics of a insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages available from insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your Subaru Justy.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive insurance

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, a tree branch falling on your vehicle, damage from getting keyed and falling objects. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision insurance will pay to fix damage to your Justy resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a parking meter, sideswiping another vehicle, colliding with a tree and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Liability auto insurance

This can cover damages or injuries you inflict on a person or their property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as medical services, medical expenses and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like doctor visits, nursing services, dental work and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

More quotes. Lower rates.

When trying to cut insurance costs, never buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice physical damage coverage only to find out that the savings was not a smart move. The aim is to find the BEST coverage for the lowest cost and still be able to protect your assets.

Lower-priced car insurance can be found online and from local agencies, and you should compare rates from both in order to have the best chance of saving money. Some insurance providers do not provide internet price quotes and these smaller companies provide coverage only through independent insurance agents.

For more information, feel free to visit the resources below:

• Understanding Car Crashes Video (iihs.org)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Safety Belts FAQ (iihs.org)
• Child Safety FAQ (iihs.org)