Compare 1991 Subaru XT Car Insurance Quotes

Finding lower-cost insurance coverage might seem somewhat intimidating for drivers not familiar with online price comparisons. With more and more insurance companies available, how can drivers have the ability to compare every possible option in order to find the cheapest available price?

It is always a good idea to compare premium rates every six months due to the fact that insurance prices change frequently. Just because you had the best price for XT coverage two years ago you can probably find a better rate quote now. Block out anything you think you know about insurance coverage because you’re about to learn the only way to save money, get proper deductibles and limits, all at the lowest rate.

How to compare auto insurance rate quotes

To find cheaper rates, there are a couple of ways to compare rate quotes from different companies. The quickest method to find affordable 1991 Subaru XT insurance rates consists of shopping online. This is quite simple and can be completed in a couple minutes as outlined below.

The fastest way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This quick form saves time by eliminating repetitive form submissions for every prospective company. A single form gets you price quotes direct from many companies. It’s definitely the quickest method.
A harder way to find better pricing is to manually visit the website for each individual company and fill out a new quote form. For examples sake, let’s assume you want to view quotes from Allstate, 21st Century and State Farm. You would be required to go to every website and enter your information, which can be really labor intensive.
For a list of links to insurance companies in your area, click here.

It’s your choice how you get your quotes, but make sure you compare identical coverage limits and deductibles for each price quote. If each company quotes different values for each quote it will be nearly impossible to make a fair comparison for your Subaru XT. Quoting even small variations in insurance coverages can result in a big premium difference. And when price shopping your coverage, making a lot of price comparisons will improve the odds of getting a lower rate.

Discounts for affordable insurance quotes

Properly insuring your vehicles can get expensive, but there may be some discounts to cut the cost considerably. Some of these disounts will be visible when you purchase, but lesser-known reductions have to be specifically requested before you get the savings. If you check and find you aren’t receiving every discount you deserve, you may be paying too high a price.

Waiver for an Accident – This one isn’t a discount, but a few companies such as Geico, State Farm, and Progressive will allow you to have one accident without the usual rate increase so long as you haven’t had any claims for a certain period of time.
Claim Free – Good drivers with no accidents pay less as opposed to accident-prone drivers.
Professional Memberships – Being a member of a professional or civic organization could earn you a nice discount on your next insurance statement.
Homeowners Discount – Owning a house can save you money since owning and maintaining a home requires a higher level of personal finance.
Low Mileage Discounts – Fewer annual miles on your Subaru can earn cheaper prices.
Distant Student Discount – Youth drivers who are enrolled in higher education away from home and won’t have access to an insured vehicle may qualify for this discount.
Online Discount – Some of the larger companies provide a small discount for buying your policy on the web.

Keep in mind that many deductions do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as comp or med pay. Just because it seems like having all the discounts means you get insurance for free, insurance companies aren’t that generous.

A list of insurance companies and a partial list of their discounts are outlined below.

Geico offers premium reductions for emergency military deployment, daytime running lights, good student, anti-theft, and multi-policy.
MetLife may offer discounts for good student, defensive driver, multi-policy, claim-free, and good driver.
State Farm offers discounts for safe vehicle, good student, driver’s education, defensive driving training, Drive Safe & Save, and accident-free.
Progressive has savings for multi-vehicle, homeowner, multi-policy, online signing, online quote discount, and continuous coverage.
Mercury Insurance policyholders can earn discounts including accident-free, multi-car, good student, professional/association, low natural disaster claims, anti-theft, and age of vehicle.
21st Century offers discounts including theft prevention, driver training, student driver, automatic seat belts, homeowners, early bird, and teen driver.
Allstate may have discounts that include utility vehicle, defensive driver, farm vehicle, good payer, anti-lock brakes, and multi-policy.

If you need lower rates, check with every prospective company what discounts are available to you. Discounts may not apply to policies in every state. If you would like to see a list of insurance companies offering insurance discounts, click here to view.

Subaru XT insurance rates can be lower

An important part of buying insurance is that you know some of the elements that go into determining the rates you pay for insurance. If you understand what determines base rates, this empowers consumers to make smart changes that may reward you with lower insurance prices.

The items below are some of the most rate-impacting factors insurance companies consider when setting your prices.

Choose high crash test ratings and save – Cars with five star safety ratings tend to be cheaper to insure. These vehicles result in less severe injuries and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates. If your Subaru XT has at least four stars on Safercar.gov it is probably cheaper to insure.
Raising comp and collision deductibles lowers rates – Physical damage deductibles state the amount of money you are required to pay if a claim is determined to be covered. Protection for physical damage, also called comprehensive and collision insurance, protects your car from damage. Some coverage claims are collision with another vehicle, hail damage, and damage from wind. The larger the amount the insured is willing to pay, the less your insurance will be for XT coverage.
High credit rating translates to low prices – An insured’s credit score is a large factor in determining what you pay for insurance. People with high credit ratings tend to be less risk to insure as compared to drivers with lower ratings. If your credit score is lower than you’d like, you could pay less to insure your 1991 Subaru XT if you improve your credit rating.
Drive fewer miles and save – The higher the miles on your Subaru every year the higher your rate. The majority of insurers calculate prices based on their usage. Cars and trucks that do not get driven very much receive lower rates as compared to vehicles used primarily for driving to work. It’s a smart idea to ensure your insurance coverage shows the correct usage for each vehicle. An improperly rated XT is just wasting money.
Marriage is a good thing – Being married can actually save you money on your insurance bill. Having a spouse usually means you are more mature and responsible and insurance companies reward insureds because married drivers tend to file fewer claims.
Responsible drivers pay better premiums – Careful drivers get better prices as compared to those with violations. Getting just one speeding ticket or other violation may increase your cost to the point where it’s not affordable. Drivers who have license-revoking violations such as DUI, reckless driving or excessive speeding may need to submit a SR-22 form with their state DMV in order to prevent their license from being revoked.
No claims equals lower insurance rates – If you file a lot of claims you can look forward to increased rates or even have your policy non-renewed. Car insurance companies give cheaper rates to people who do not rely on their insurance for small claims. Auto insurance is intended for the large, substantial claims.
Tough occupation may mean higher prices – Jobs like military generals, executives and medical professionals generally have higher premium rates because of intense work requirements and long work hours. Other jobs such as professors, athletes and performers have lower than average premiums for XT coverage.

You may need specialized insurance coverage coverage

When it comes to choosing the best insurance coverage coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different.

For instance, these questions may help highlight whether or not you would benefit from professional advice.

Is my business laptop covered if it gets stolen from my vehicle?
Should I put collision coverage on all my vehicles?
Should I buy only the required minimum liability coverage?
Am I covered if I hit my neighbor’s mailbox?
Are there companies who specialize in insuring high-risk drivers?
Am I covered if hit by an uninsured driver?
Do I have coverage when pulling a U-Haul trailer?
Am I covered if I drive in a foreign country?
How high should my medical payments coverage be?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form.

The coverage is in the details

Knowing the specifics of your policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from getting keyed, a broken windshield, falling objects, hitting a deer and fire damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a mailbox, colliding with a tree, damaging your car on a curb, sustaining damage from a pot hole and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Subaru XT.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses like dental work, hospital visits, ambulance fees and chiropractic care. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Liability coverage

Liability coverage protects you from damage that occurs to people or other property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like legal defense fees, funeral expenses, emergency aid, loss of income and medical services. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Shop smart and save

We covered a lot of tips how to reduce 1991 Subaru XT insurance prices online. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may even find the lowest prices are with a company that doesn’t do a lot of advertising.

As you restructure your insurance plan, never buy less coverage just to save a little money. There are too many instances where an accident victim reduced full coverage to discover at claim time that the small savings ended up costing them much more. The goal is to purchase a proper amount of coverage at the lowest possible cost.

Some insurance providers don’t offer price quotes online regional insurance providers only sell through local independent agents. Low-cost 1991 Subaru XT insurance can be purchased both online in addition to local insurance agencies, and you should compare price quotes from both so you have a total pricing picture.