1994 Subaru Loyale Insurance Quotes – 8 Tips for Cheapest Rates

Want the cheapest car insurance rates for your Subaru Loyale? Trying to find the cheapest insurance for a Subaru Loyale can normally be a painful process, but you can follow a few tricks to find lower rates. There is a right way and a wrong way to compare car insurance rates and you need to know the best way to price shop coverage for a new or used Subaru and get the lowest possible price.

It’s a good habit to quote other rates before your policy renews because prices are rarely the same from one policy term to another. Even if you think you had the lowest quotes on Loyale insurance a few years ago you may be paying too much now. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the fastest way to eliminate unnecessary coverages and save money.

Use discounts to get cheaper insurance quotes

Some providers don’t list all disounts very well, so the list below details a few of the more common and also the lesser-known discounts that may be available.

• Defensive Driver Discounts – Completing a course that instructs on driving safety may get you a small discount and make you a better driver.
• Good Grades Discount – A discount for being a good student can earn a discount of 20% or more. Most companies allow this discount well after school through age 25.
• Federal Employees – Federal government employees could cut as much as 10% off on Loyale insurance with some insurance companies.
• Student Driver Training – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class as it can save substantially.
• Own a Home – Owning a house can get you a discount since owning and maintaining a home requires a higher level of personal finance.
• Drive Less and Save – Maintaining low annual mileage may enable drivers to earn discounted insurancerates on garaged vehicles.
• Paper-free Discount – A handful of insurance companies provide a small discount for buying a policy and signing up on the web.
• Theft Prevention Discount – Cars equipped with tracking devices and advanced anti-theft systems can help prevent theft and will qualify for a discount on a car insurance quote.

Drivers should understand that most discount credits are not given to your bottom line cost. Most cut individual premiums such as medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, it’s just not the way it works.

A few popular companies and their offered discounts are included below.

• Geico has discounts for multi-vehicle, anti-lock brakes, seat belt use, five-year accident-free, good student, and air bags.
• Auto-Owners Insurance offers discounts for safe driver, anti-theft, safe vehicle, paperless, and air bags.
• American Family discounts include Steer into Savings, defensive driver, multi-vehicle, air bags, and bundled insurance.
• Esurance policyholders can earn discounts including multi-car, defensive driver, good driver, multi-policy, and renters.
• Progressive offers premium reductions for continuous coverage, online quote discount, multi-policy, homeowner, good student, and multi-vehicle.
• State Farm offers discounts including anti-theft, Drive Safe & Save, safe vehicle, multiple policy, good student, and good driver.
• AAA may offer discounts for multi-policy, multi-car, education and occupation, pay-in-full, anti-theft, and good student.

When getting a coverage quote, ask all companies you are considering to apply every possible discount. Savings may not be available in every state. To choose providers who offer insurance discounts, click here to view.

How much does auto insurance cost?

Finding a lower price on 1994 Subaru Loyale insurance can be surprisingly simple. The only thing you need to do is spend a few minutes on the computer to get quotes to find the company with cheap car insurance quotes. Insurance prices can be quoted by following the guidelines below.

1. The recommended way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This quick form eliminates the need for repetitive form submissions to each individual auto insurance company. One form will return price quotes from multiple low-cost companies. It’s definitely the quickest method.
2. A more time consuming way to get quotes online requires a trip to the website for each individual company and get a separate price quote. For sake of this example, let’s assume you want to view quotes from State Farm, Allstate and Liberty Mutual. To do that, you would have to spend time on each company’s site to enter the same coverage data repeatedly, which is why the first method is more popular.

   To view a list of companies in your area, click here.

3. The least efficient and most time consuming way to get price estimates is actually driving to insurance agencies in your area. Quoting and buying insurance online eliminates this option unless you want the guidance of a licensed agent. Although you can get prices online but have a local agent actually write the policy.

Whichever way you use, double check that you are using exactly the same coverage limits and deductibles for every company. If the quotes have different limits and deductibles on each one it will be nearly impossible to determine which rate is truly the best.

Tailor your auto insurance coverage to you

When buying the right insurance coverage for your vehicles, there is no one size fits all plan. Every insured’s situation is different.

These are some specific questions can help discover whether you would benefit from an agent’s advice.

• What is roadside assistance coverage?
• Do I need rental car coverage?
• Does my medical payments coverage pay my health insurance deductible?
• Does coverage extend to Mexico or Canada?
• Is my camper covered by my car insurance policy?
• Am I better off with higher deductibles on my 1994 Subaru Loyale?
• Is business property covered if stolen from my car?
• At what point should I drop full coverage?
• How much can I save by bundling my policies?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, free and you can get the answers you need.

Car insurance coverage considerations

Understanding the coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability insurance

This coverage provides protection from damage that occurs to people or other property by causing an accident. 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 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things such as structural damage, pain and suffering and attorney fees. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for hospital visits, chiropractic care, rehabilitation expenses, doctor visits and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

This covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, damage from a tornado or hurricane and hitting a deer. The maximum 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 not worth carrying full coverage.

Collision coverage protection

Collision coverage pays for damage to your Loyale resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like driving through your garage door, rolling your car and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Subaru Loyale.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

A penny saved is a penny earned

People change insurance companies for many reasons like delays in paying claims, policy non-renewal, high prices and extreme rates for teen drivers. Whatever your reason, switching insurance companies is actually quite simple.

When you buy car insurance online, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many situations where someone dropped comprehensive coverage or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your strategy should be to purchase plenty of coverage at the best price.

In this article, we covered some good ideas how you can lower your 1994 Subaru Loyale insurance prices. The key thing to remember is the more times you quote, the higher the chance of saving money. You may even find the best price on insurance is with the smaller companies.

More information

• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Vehicle Insurance (Wikipedia)
• How do I File a Claim? (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)