1996 Subaru SVX Insurance Rates – 7 Ideas for Best Quotes

Searching for the cheapest car insurance rates for your Subaru SVX? Saving money on car insurance could be kind of frustrating for beginners to buying insurance online. With such a large number of agents and companies in the marketplace, it can quickly become more work than you anticipated to find more affordable coverage rates.

It’s a great practice to compare prices at least once a year because car insurance prices trend upward over time. Just because you found the lowest rate for SVX coverage at your last renewal you may be paying too much now. Ignore everything you know about car insurance because you’re going to learn the tricks you need to know to find better rates and still maintain coverage.

If you currently have car insurance, you will be able to reduce your rates substantially using these techniques. Shopping for the best auto insurance coverage is simple if you know the tricks. But car owners do need to understand the methods companies use to compete online and take advantage of how the system works.

Auto insurance discounts are available to reduce your rates

Insuring your fleet can be pricey, but discounts can save money and there are some available to help offset the cost. Some discounts will apply at the time of purchase, but some may not be applied and must be asked about before being credited.

  • Anti-lock Brake System – Vehicles that have steering control and anti-lock brakes can reduce accidents so companies give up to a 10% discount.
  • Buy New and Save – Insuring a new car can be considerably cheaper because new model year vehicles keep occupants safer.
  • Defensive Driver Discount – Taking a defensive driver class is a good idea and can lower rates depending on where you live.
  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Theft Deterent – Cars equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
  • Paperwork-free – Some companies will provide an incentive for buying your policy on your computer.
  • Onboard Data Collection – Insureds who allow driving data submission to scrutinize their driving habits by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if they show good driving skills.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. Some only reduce specific coverage prices like comp or med pay. So even though they make it sound like you can get free auto insurance, auto insurance companies aren’t that generous. But any discount will reduce the amount you have to pay.

If you would like to choose from a list of companies that offer some of these discounts, click this link.

Everyone needs different auto insurance coverages

When buying the right insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that can aid in determining whether you might need an agent’s assistance.

  • Is my teenager covered with friends in the car?
  • Am I covered if I wreck a rental car?
  • Do I need roadside assistance coverage?
  • Can I rent a car in Mexico?
  • Am I covered when driving a rental car?
  • Why am I required to buy liability insurance?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

What auto insurance coverages do you need?

Having a good grasp of a auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your Subaru SVX.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability car insurance

This coverage protects you from damages or injuries you inflict on other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like legal defense fees, attorney fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Comprehensive coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like a tree branch falling on your vehicle, vandalism, hail damage, damage from getting keyed and theft. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for expenses for things like hospital visits, doctor visits, chiropractic care and nursing services. 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 not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Collision insurance

Collision coverage covers damage to your SVX from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like driving through your garage door, sideswiping another vehicle, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Be a smart shopper

We’ve covered many tips how you can save on 1996 Subaru SVX insurance. The most important thing to understand is the more companies you get rates for, the better chance you’ll have of finding low cost car insurance. Consumers may even find the best prices are with an unexpected company.

When searching for the cheapest car insurance quotes, you should never buy less coverage just to save a little money. Too many times, someone sacrificed comprehensive coverage or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy enough coverage at the best possible price while not skimping on critical coverages.

Some companies may not have online price quotes and many times these smaller companies provide coverage only through independent agents. Cost effective 1996 Subaru SVX insurance can be bought online and also from your neighborhood agents, so you should be comparing quotes from both to have the best selection.

Additional information is located below:

Comments About 1996 Subaru SVX Insurance

  1. Hobert Rhodes

    Here’s my info. Quoted with Erie for my Subaru and am saving around $90 a year. Insured with Sentry before. Have a couple speeding tickets too. Hardly afford to drive anymore.

  2. Karol Guerrero

    Progressive was cheapest for my 1996 Subaru SVX in Aurora, Colorado.

  3. Floretta Mills

    I got a good deal I think. Live in the southern part of Baton Rouge, LA. Quoted rates from Amica, Sentry, and a few others for my Subaru and saved just over $70 a year. Book value doesn’t justify full coverage anymore.

  4. Lizeth Chaney

    In Pittsburgh, PA, GEICO is a good choice. I’m a pretty low risk driver. Are quotes cheaper online? Liability only on my SVX.

  5. Cecilia Robertson

    Lots of useful info here. I live in a small town just outside of Fargo, ND. Got car insurance rates from 21st Century, GMAC, and Encompass for my Subaru and saved just over $70 a year. Insured with The General before.

  6. Rasheeda Calhoun

    I live on the north side of Virginia Beach, VA. I got free quotes with Amica, Sentry, and USAA for my Subaru and I’m now saving $23 a month. Was with MetLife.

  7. Tamisha Hodges

    I’m in Virginia Beach, Virginia, and 21st Century rates were affordable. Was with AIG Insurance. God forbid I actually have a claim. I just carry liability insurance.

  8. Sandra Mcconnell

    Does 21st Century do SR22s in Hawaii?

  9. Kathryn Mcfadden

    IT’S ALL TOO EXPENSIVE! From northwest of Paterson, NJ. Got car insurance quotes from Allstate, Auto-Owners, and Esurance for my SVX and I’m now saving $20 a month.

  10. Piedad Sellers

    Anyone buy from Amica? I’m in Reno, NV.

  11. Ebonie Gordon

    I got a good deal I think. I live in Hartford, CT. Compared rates from a lot of places. Saved right around $30 a month. Progressive was the cheapest for me.