Compare 1993 Subaru Justy Car Insurance Quotes

Looking for the cheapest insurance rates? Shoppers have a choice when shopping for the best price on Subaru Justy insurance. You can either spend your time calling around to compare prices or use the internet to find the lowest rates. There is a better way to shop for insurance and we’ll show you the proper way to price shop coverage for your Subaru and find the lowest possible price from local insurance agents and online providers.

You need to compare prices before your next renewal because insurance prices are rarely the same from one policy term to another. Even if you got the lowest quotes for Justy insurance a few years ago you may be paying too much now. Forget all the misinformation about insurance because you’re going to learn the easiest way to remove unneeded coverages and save money.

Why informed drivers pay less for Subaru Justy insurance

Lots of factors are used in the calculation when pricing auto insurance. Some are pretty understandable like a motor vehicle report, although some other factors are not quite as obvious like your vehicle usage and annual miles driven.

• Prevent your car from being stolen – Choosing to buy a car that has a built-in theft deterrent system can save you a little every year. Systems that thwart theives such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft and help lower rates.
• Stay claim-free and save – Companies generally give cheaper rates to insureds that do not abuse their auto insurance. If you file claims often, you can definitely plan on higher rates. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
• Marriage is a factor – Being married can actually save you money on your insurance policy. It translates into being more mature than a single person and statistics prove drivers who are married file infrequent claims.
• Policy add-ons add up – There are a lot of optional add-on coverages you can purchase if you aren’t diligent. Coverages for coverage for rental cars, better glass coverage, and additional equipment coverage are examples of these. They may sound like good ideas when you first buy your policy, but if you don’t need them consider taking them off your policy.
• Get a ticket, pay higher prices – Attentive drivers get better prices than their less careful counterparts. Just one speeding ticket may cause rates to rise forty percent or more. People who have flagrant violations like reckless driving, hit and run or driving under the influence might be required by their state to complete a SR-22 with their state motor vehicle department in order to legally drive a vehicle.
• Younger drivers pay more – Teen drivers are proven to be less responsible behind the wheel so insurance rates are higher. Older drivers are more responsible, statistically cause fewer accidents and get fewer tickets.

Use discounts to get cheaper insurance coverage rates

The price of auto insurance can be rather high, but there could be significant discounts to reduce the price significantly. Many discounts should be triggered at quote time, but once in a while a discount must be asked about before you get the savings.

• Good Student Discount – This discount can save 20 to 25%. The discount lasts well after school through age 25.
• Sign Early and Save – Some insurance companies reward drivers for renewing your policy prior to the expiration date on your current policy. This discount can save up to 10%.
• Professional Memberships – Having an affiliation with a professional or civic organization is a simple method to lower premiums on your next insurance coverage statement.
• Discount for Life Insurance – If the company offers life insurance, you could get a break if you buy life insurance from them.
• Multi-policy Discount – If you can combine your auto and homeowners policy and insure them both with the same insurance company they may give you a discount of 10% to 20% off each policy.
• Payment Method – If you can afford to pay the entire bill rather than spreading payments over time you can avoid the installment charge.
• Data Collection Discounts – Drivers who agree to allow their company to analyze when and where they use their vehicle by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates if they exhibit good driving behavior.
• Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them take driver’s ed class in high school.

Remember that most discounts do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous. Any amount of discount should help reduce the premium cost.

To see insurers that offer discounts, click here to view.

Don’t believe everything you hear

Consumers can’t avoid all the ads that claim the lowest rates from companies such as Allstate, Geico and Progressive. All the companies make the same claim that people will save just by switching your insurance policy to them.

How does each company charge lower premium rates? This is the way they can do it.

Companies quote their cheapest rates for the driver that makes them money. An example of a preferred risk might be described as over the age of 40, has few claims, and chooses high deductibles. Anybody who meets those qualifications will get very good rates and will also save money with a new company.

Potential customers who do not fit these criteria will be quoted higher premiums and ends up with business not being written. The trick is to say “people who switch” not “everyone that quotes” will save that much if they switch. That is how companies can lure you into getting a quote. This really illustrates why you need to do a quote comparison often. It is impossible to guess which insurance company will have the best car insurance rates.

Tailor your insurance coverage to you

When buying coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s needs are different.

These are some specific questions may help you determine whether your personal situation might need an agent’s assistance.

• Does coverage extend to a rental car in a foreign country?
• What are the financial responsibility laws in my state?
• How do I insure my teen driver?
• I have a DUI can I still get coverage?
• Do I need motorclub coverage?
• Is a fancy paint job covered?
• Do I really need UM/UIM coverage?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Coverages available on your insurance policy

Learning about specific coverages of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Subaru Justy.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as nursing services, rehabilitation expenses, pain medications, funeral costs and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive auto coverage

This covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hitting a deer, fire damage and vandalism. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

This coverage pays for damage to your Justy resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like hitting a mailbox, rolling your car and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability

Liability coverage provides protection from damages or injuries you inflict on other people or property. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as legal defense fees, medical expenses, emergency aid and medical services. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Summing up your insurance search

Consumers leave their current company for a variety of reasons including high prices, an unsatisfactory settlement offer, extreme rates for teen drivers or being labeled a high risk driver. It doesn’t matter what your reason, finding a new insurance company is not as difficult as it may seem.

Throughout this article, we presented some good ideas how you can shop for 1993 Subaru Justy insurance online. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding inexpensive car insurance. Consumers may even find the best prices are with some of the smallest insurance companies.

When shopping online for insurance, you should never buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped liability coverage limits and found out when filing a claim that it was a big error on their part. Your aim should be to purchase plenty of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

For more information, link through to the articles below:

• Keeping Children Safe in Crashes Video (iihs.org)
• Choosing an Insurance Company (Insurance Information Insitute)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Understanding Rental Car Insurance (Insurance Information Insitute)