How Much Does 1992 Subaru Justy Insurance Cost?

Finding the cheapest car insurance can be somewhat intimidating for consumers who are beginners to quoting and comparing and buying car insurance on the web. With dozens of companies competing online, how are consumers able to effectively compare every company to locate the cheapest rates?

Buying affordable insurance coverage is quite easy. Essentially everyone who buys insurance will most likely be able to find better rates. Although consumers need to have an understanding of how the larger insurance companies market insurance on the web.

Insurance coverage rates and discounts

Some insurance providers don’t always publicize the complete list of policy discounts very well, so the following is a list of some of the more common and the harder-to-find credits available to lower your premiums when you buy insurance online.

• Seat Belt Usage – Drivers who always wear seat belts and also require passengers to wear their seat belts could save 15% off PIP or medical payments premium.
• Renewal Discounts – A few larger companies allow discounts for buying a policy prior to the expiration date on your current policy. It could save around 10% when you buy insurance online.
• Defensive Driver Discount – Completing a defensive driver course could possibly earn you a 5% discount and also improve your driving technique.
• ABS Braking Discount – Cars and trucks with ABS and/or traction control can avoid accidents so companies give up to a 10% discount.
• Theft Deterent System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and earn discounts up to 10% off your insurance quote.
• One Accident Forgiven – Not really a discount, but certain companies may permit one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
• Savings for New Vehicles – Buying insurance coverage coverage on a new vehicle can save up to 30% compared to insuring an older model.
• Discount for Good Grades – A discount for being a good student can save 20 to 25%. Many companies even apply the discount to college students up to age 25.
• Multiple Cars – Purchasing coverage when you have primary and secondary vehicles on one policy can reduce the rates for all insured vehicles.
• Driving Data Discount – Insureds who allow companies to spy on when and where they use their vehicle remotely such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if their driving habits are good.

Policy discounts save money, but most discount credits are not given the the whole policy. Most only reduce the cost of specific coverages such as comprehensive or collision. Even though it appears you could get a free insurance coverage policy, insurance coverage companies aren’t that generous.

Popular insurance coverage companies and some of the discounts include:

• State Farm includes discounts for Drive Safe & Save, multiple autos, good student, Steer Clear safe driver discount, driver’s education, multiple policy, and safe vehicle.
• Farmers Insurance offers discounts for mature driver, early shopping, teen driver, electronic funds transfer, and homeowner.
• Geico offers premium reductions for five-year accident-free, multi-policy, multi-vehicle, seat belt use, air bags, and defensive driver.
• American Family has savings for good driver, accident-free, good student, TimeAway discount, air bags, mySafetyValet, and bundled insurance.
• Nationwide may have discounts that include defensive driving, accident-free, family plan, multi-policy, and Farm Bureau membership.
• Progressive may include discounts for homeowner, multi-vehicle, multi-policy, online signing, online quote discount, continuous coverage, and good student.

When quoting, ask each company or agent which discounts you may be entitled to. All car insurance discounts may not apply to policies in your area. If you would like to choose from a list of providers that offer some of these discounts, click here.

How to compare car insurance quotes

Comparing car insurance rates can be exhausting if you don’t utilize the most efficient way to do it. You could waste a few hours talking about coverages with local insurance agents in your area, or you could save time and use the internet to get rates in a matter of minutes.

All the larger companies are enrolled in a marketplace where prospective buyers enter their coverage request one time, and every company provides a quote based on that information. This eliminates the need for repetitive form submissions for every car insurance company. To find out how much you’re overpaying now click here (opens in new window).

The only drawback to getting quotes like this is you can’t choose the companies to receive prices from. So if you prefer to choose individual companies to compare, we put together a list of the cheapest car insurance companies in your area. View list of insurance companies.

How you compare quotes is your choice, just be sure to compare nearly identical quote data with every price quote. If you use higher or lower deductibles you will not be able to make a fair comparison for your Subaru Justy. Slightly different insurance coverages could skew the results. And when price shopping your coverage, getting more free quotes provides better odds of finding the best rates. Some insurance companies are not set up to provide online quotes, so it’s recommended that you also compare quotes from them as well.

Situations that may require an agent’s advice

When choosing adequate coverage, there really is no “best” method to buy coverage. Every situation is different.

Here are some questions about coverages that might point out if your insurance needs would benefit from an agent’s advice.

• Is my babysitter covered when using my vehicle?
• Do I need medical payments coverage since I have good health insurance?
• Do I pay less for low miles?
• At what point should I drop full coverage?
• What vehicles should carry emergency assistance coverage?
• Does coverage extend to my business vehicle?
• Can I make deliveries for my home business?
• Are my tools covered if they get stolen from my vehicle?
• What can I do if my company denied a claim?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Auto insurance 101

Understanding the coverages of a insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability auto insurance

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

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims like medical services, bail bonds and legal defense fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your 1992 Subaru Justy.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like hospital visits, surgery, nursing services, pain medications and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

This coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a bird, vandalism, falling objects, hitting a deer and rock chips in glass. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage

This pays for damage to your Justy from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like hitting a parking meter, colliding with a tree and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

The bottom line

Drivers change insurance companies for many reasons like denial of a claim, being labeled a high risk driver, policy non-renewal and lack of trust in their agent. It doesn’t matter why you want to switch switching companies is less work than it seems.

As you shop your coverage around, make sure you don’t sacrifice coverage to reduce premiums. There are many occasions where an insured dropped liability limits or collision coverage only to regret that they should have had better coverage. The goal is to find the BEST coverage at the lowest possible cost, but don’t skip important coverages to save money.

Throughout this article, we presented a lot of ways to get a better price on 1992 Subaru Justy insurance. The key concept to understand is the more times you quote, the higher the chance of saving money. You may be surprised to find that the lowest priced insurance coverage comes from a small mutual company.

Additional learning opportunities

• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Avoiding Deer Collisions (Insurance Information Insitute)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)