Compare 1994 Subaru Justy Insurance Quotes

If shopping for insurance coverage quotes online is new to you, chances are good that you are bewildered thanks to the vast number of insurance providers offering insurance.

You need to compare prices every six months because prices are variable and change quite frequently. If you had the best rate for Justy coverage a few years ago you can probably find a lower rate today. You can find a lot of wrong information about insurance coverage out there, but in a few minutes you can learn some of the best ways to reduce your insurance coverage bill.

If you are paying for car insurance now, you will most likely be able to save some money using this information. Locating cheaper car insurance coverage can be fairly easy. Although drivers must know the way companies price online insurance and take advantage of how the system works.

The method we recommend to compare insurance rates from multiple companies is to take advantage of the fact most larger insurance companies participate in online systems to provide you with free rate quotes. The only thing you need to do is provide information such as whether the vehicles are used for commuting, if your license is active, coverage limits, and how old drivers are. That information is sent automatically to multiple top-rated companies and they return quotes immediately.

What determines Subaru Justy insurance premiums?

A large part of saving on insurance coverage is knowing some of the factors that play a part in calculating the price you pay for insurance coverage. If you have some idea of what positively or negatively impacts your premiums, this helps enable you to make changes that may result in lower premium levels. Lots of things are used when quoting car insurance. Some of the criteria are obvious such as traffic violations, although others are not quite as obvious such as your marital status or how financially stable you are.

The itemized list below are some of the factors utilized by car insurance companies to help set premiums.

  • High physical damage deductibles cost less – The deductibles state the amount of money you are required to spend out-of-pocket if the claim is covered. Protection for physical damage, aka comp and collision, is used to repair damage to your car. Some coverage claims are rearending another vehicle, hail damage, or theft of your vehicle. The larger the amount you are required to pay out-of-pocket, the better rate you will receive for Justy coverage.
  • Prices impacted by vehicle usage – The higher the miles on your Subaru in a year the higher your rates will be. Most companies charge to insure your cars based upon how the vehicle is primarily used. Vehicles that have low annual miles can be on a lower rate level than vehicles that are driven to work every day. Make sure your insurance coverage declarations sheet is rated on the proper vehicle usage, because it can save money. An improperly rated Justy is just wasting money.
  • Bundle policies to earn discounts – Some insurers allow a discount for people who consolidate policies with them in the form of a multi-policy discount. Even if you qualify for this discount already, it’s in your best interest to comparison shop to verify if the discount is saving money. You may still find lower rates by buying insurance coverage from a different company.
  • Prevent insurance coverage lapses – Going without insurance can be a quick way to pay more for insurance coverage. Not only will rates go up, getting caught without coverage could result in a revoked license or a big fine.
  • City traffic equals higher rates – Living in a rural area may provide you with better prices when insuring your vehicles. Drivers who live in large cities have to deal with more aggressive driving styles and more time behind the wheel. Lower population translates into fewer accidents and also fewer theft and vandalism claims.
  • Policy add-ons add up – Policies have optional add-on coverages that can add up if you aren’t careful. Coverage for things like vanishing deductibles, towing, and additional equipment coverage may be costing you every month. These may sound like a good investment when buying your policy, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Females pay lower rates – The statistics show that women are safer drivers than men. However, don’t assume that women are BETTER drivers than men. Both sexes get in fender benders in similar numbers, but the male of the species have accidents that have higher claims. Men also receive more major tickets like DUI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Optional features can affect rates – Owning a car with an alarm system can help bring down rates. Theft prevention features like OnStar, LoJack tracking, and tamper alarms all aid in stopping car theft and help bring rates down.

Auto insurance discounts help slash rates

Insurance can cost an arm and a leg, but you might already qualify for some discounts that you may not even know about. Most are applied at the time of quoting, but some must be specifically requested before being credited. If you check and find you aren’t receiving every discount you qualify for, you are throwing money away.

  • Telematics Discount – Insureds who allow companies to scrutinize their driving habits remotely such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if they are good drivers.
  • Driver’s Education for Students – It’s a good idea to have your young drivers sucessfully take a drivers education course if it’s offered in school.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs that have anti-lock braking systems can stop better under adverse conditions and earn discounts up to 10%.
  • Air Bag Discount – Vehicles with factory air bags can get savings as much as 30%.
  • Payment Discounts – By paying your entire bill at once instead of monthly or quarterly installments you may have a lower total premium amount.
  • Good Grades Discount – Maintaining excellent grades can earn a discount of 20% or more. Most companies allow this discount until age 25.
  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency and will qualify for a discount on a insurance coverage quote.
  • E-sign Discounts</strong – A handful of companies give back up to $50 shop insurance coverage on your computer.
  • Early Renewal Discounts – A few larger companies offer discounts for buying a policy prior to the expiration date on your current policy. It can save you around 10%.
  • Government Employee Discount – Employees or retirees of the government can earn a discount up to 10% for Justy coverage with certain companies.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most only reduce individual premiums such as collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, that’s just not realistic.

A few of the larger companies and a selection of discounts are included below.

  • Progressive discounts include online signing, online quote discount, multi-policy, continuous coverage, homeowner, and good student.
  • SAFECO may include discounts for anti-theft, drive less, bundle discounts, accident prevention training, and anti-lock brakes.
  • American Family may have discounts that include accident-free, early bird, air bags, good student, bundled insurance, defensive driver, and Steer into Savings.
  • MetLife includes discounts for good student, accident-free, defensive driver, claim-free, and good driver.
  • GEICO has discounts for military active duty, seat belt use, multi-vehicle, membership and employees, defensive driver, and good student.
  • The Hartford may offer discounts for air bag, driver training, vehicle fuel type, bundle, anti-theft, good student, and defensive driver.

If you are trying to find the cheapest insurance coverage quotes, ask each company the best way to save money. Depending on the company, some discounts might not be available to policyholders in your area. To locate insurers that provide some of the discounts listed above, follow this link.

Which is the best insurance?

When choosing the best insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different.

These are some specific questions can help discover if your insurance needs would benefit from an agent’s advice.

  • Are my tools covered if they get stolen from my vehicle?
  • What is roadside assistance coverage?
  • How can I find cheaper teen driver insurance?
  • Does coverage extend to a rental car in a foreign country?
  • Do I need to file an SR-22 for a DUI in my state?
  • Can I afford to pay high deductible claims out of pocket?
  • How much liability coverage do I need in my state?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form.

Auto insurance coverage information

Understanding the coverages of auto insurance can be of help when determining the right coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Subaru Justy.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Liability insurance – Liability insurance provides protection from damage that occurs to a person or their property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as pain and suffering, repair costs for stationary objects, structural damage and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Collision coverages – This pays for damage to your Justy resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like hitting a parking meter, sideswiping another vehicle, scraping a guard rail, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive auto coverage – This covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as rock chips in glass, falling objects and a tree branch falling on your vehicle. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for bills for things like doctor visits, funeral costs and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Buy online or local, you save

Cost effective 1994 Subaru Justy insurance is definitely available both online and from local agencies, so you need to quote insurance coverage with both in order to have the best chance of saving money. Some insurance companies don’t offer online quoting and these regional insurance providers only sell through independent agents.

Consumers leave their current company for a number of reasons such as policy cancellation, an unsatisfactory settlement offer, lack of trust in their agent or denial of a claim. No matter why you want to switch, finding a great new company is pretty easy and you might even save some money in the process.

In this article, we covered a lot of information how to compare 1994 Subaru Justy insurance car insurance rates online. It’s most important to understand that the more quotes you get, the better your chances of lowering your premium rates. Consumers may even find the best price on auto insurance is with the least-expected company.

More information is located at the links below

Comments About 1994 Subaru Justy Insurance

  1. Esta Jackson

    Thanks for putting this site together. I’m in the suburbs of Fargo, ND. Got car insurance quotes with MetLife, Erie, GEICO, and Amica for my 1994 Subaru Justy and saved just over $110 a year. Left USAA to switch. :) When should I drop full coverage?

  2. Eduardo Banks

    Is a custom audio system covered by insurance?

  3. Fawn Mcmahon

    I live just outside Hilo, HI. Quoted a bunch of companies. Saved about $30 a month. Allstate was the most affordable for me. I don’t put full coverage on it.

  4. Jimmie Walsh

    I got decent rates for a 1994 Subaru Justy in Rutland, VT. Ended up at about $100 every six months with American Family. Insured with Progressive before. Did it all online.

  5. Floyd Foreman

    Found cheapest coverage with State Farm for my 1994 Subaru Justy and cut my rates about $90 a year. Was with MetLife.

  6. Wilber Cash

    Will GEICO insure with a DUI in Omaha, Nebraska?

  7. Kai West

    Affordable car insurance is a myth. I live east of Aurora, CO. Quoted a bunch of companies. Saved about $30 a month. 21st Century was the best choice for me. I have a couple other vehicles on the policy. It’s too old for full coverage.

  8. Sherri Greer

    If you have a clean record and live around Grand Forks, ND, check out 21st Century. I saved quite a bit.