View 1997 Subaru SVX Car Insurance Quotes

Searching for lower insurance coverage rates for your Subaru SVX? Did budget coverage turn out to be an expensive insurance coverage policy? You’re preaching to the choir because many drivers have buyer’s remorse. Due to the abundance of different company options, it can be challenging to find the cheapest insurance company.

You need to do rate comparisons quite often since insurance rates are usually higher with each renewal. Despite the fact that you may have had the lowest rate for SVX coverage a year ago you will most likely find a better price today. Forget all the misinformation about insurance coverage because you’re about to find out the right way to reduce your cost while improving coverage.

The purpose of this post is to instruct you on the most effective way to quote insurance and some money-saving tips. If you currently have a car insurance policy, you will be able to lower your premiums substantially using these tips. Consumers only need to know how to shop their coverage around on the web.

First Step: Get free auto insurance quotes

Finding a better price on auto insurance isn’t really that difficult. You just have to invest a few minutes comparing rates to find the company with cheaper insurance coverage quotes. This can easily be done in just a few minutes using one of these methods.

1. The fastest way to find low rates is an all-inclusive rate comparison click here to open form in new window. This style of form keeps you from doing separate forms for each company you want a rate for. Completing one form will get you price quotes from several companies.
2. A more difficult way to shop for auto insurance online consists of visiting each company website and repeat the quote process again and again. For examples sake, let’s say you want comparison quotes from Liberty Mutual, Progressive and Travelers. You would need to visit each site and enter your policy data, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

Compare rates however you want, just be certain you are entering nearly identical quote data on every quote you get. If you use different deductibles it’s not possible to make a fair comparison for your Subaru SVX.

Discounts for affordable insurance quotes

Insurance is not an enjoyable expense, but there could be available discounts that many people don’t even know exist. Certain credits will be shown at quote time, but a few must be asked for prior to getting the savings.

• No Charge for an Accident – Not necessarily a discount, but a few companies such as Progressive, State Farm and Geico will allow you to have one accident before raising your premiums with the catch being you have to be claim-free for a specific time period.
• Multi-policy Discount – If you insure your home and vehicles with one insurance company you could get a discount of at least 10 to 15 percent or more.
• Braking Control Discount – Cars that have steering control and anti-lock brakes are much safer to drive and therefore earn up to a 10% discount.
• Savings for New Vehicles – Buying insurance on a new vehicle may earn a small discount since new vehicles have better safety ratings.
• Payment Discounts – By making one initial payment instead of paying each month you may reduce your total bill.
• Claim-Free Discount – Good drivers with no accidents can earn big discounts when compared to accident-prone drivers.
• Homeowners Discount – Owning a house can help you save on insurance due to the fact that maintaining a home is proof that your finances are in order.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like you could get a free insurance policy, it’s just not the way it works.

Auto insurance companies that have these money-saving discounts include:

• American Family
• State Farm
• 21st Century
• Travelers
• Geico

Check with all companies you are considering how you can save money. Some of the earlier mentioned discounts may not apply in your state. If you would like to choose from a list of providers who offer free insurance quotes, click here.

How to lower your insurance premiums

Lots of factors are part of the calculation when you get a price on insurance. A few of the factors are predictable such as your driving history, but others are more obscure such as your marital status or how safe your car is.

• Raising comp and collision deductibles saves money – Physical damage protection, aka comp and collision, insures against damage to your Subaru. A few examples of covered claims would be collision with another vehicle, flood damage, and damage caused by flying debris. Comp and collision deductibles represent how much money you are willing to pay out-of-pocket before a claim is paid by your company. The more damage repair cost the insured is willing to pay, the lower your rates will be for SVX coverage.
• Long commutes cost more – The more miles you rack up on your Subaru annually the more it will cost to insure it. A lot of companies calculate rates based upon how much you drive. Cars and trucks that have low annual miles receive better premium rates than vehicles that are driven to work every day. Verify your vehicle rating is showing the correct usage for each vehicle. Incorrect rating for your SVX can cost quite a bit.
• Drivers with high credit save on insurance – Your credit history is a large factor in determining what you pay. People with good credit tend to file fewer claims and have better driving records as compared to drivers with lower credit scores. Therefore, if your credit is not that good, you could save money insuring your 1997 Subaru SVX by spending a little time repairing your credit.
• Youthful vs. mature drivers – Drivers with little experience are proven to get distracted easily when behind the wheel and because of this, their insurance rates are much higher. If you’ve ever had to add a youthful driver to your policy will cause a huge premium hike. Mature drivers tend to be more responsible, file fewer claims and are safer drivers.

You may need specialized insurance coverage

When buying proper insurance coverage for your vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions may help you determine whether your personal situation would benefit from an agent’s advice.

• Do I have coverage when pulling a U-Haul trailer?
• Why am I required to buy liability insurance?
• Do I pay less if my vehicle is kept in my garage?
• How much liability coverage do I need in my state?
• Does my insurance cover a custom paint job?
• Does coverage extend to a rental car in a foreign country?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Auto insurance coverage basics

Learning about specific coverages of a auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by auto insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 1997 Subaru SVX.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

This pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as falling objects, hitting a deer and a broken windshield. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for bills for things like hospital visits, prosthetic devices and funeral costs. They are used in conjunction with a health insurance program or if there is no health insurance coverage. It covers you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision coverage will pay to fix damage to your SVX resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as colliding with a tree, crashing into a ditch, damaging your car on a curb and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Liability coverage

This can cover damage that occurs to people or other property that is your fault. It protects YOU against other people’s claims. 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 might see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like structural damage, repair costs for stationary objects, medical services, pain and suffering and court costs. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Never pay more for less

While you’re price shopping online, don’t be tempted to buy less coverage just to save a little money. There have been many situations where someone dropped full coverage only to regret that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible at a price you can afford, but do not sacrifice coverage to save money.

You just learned a lot of ways to shop for 1997 Subaru SVX insurance online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest premium rates are with some of the lesser-known companies. Some small companies may only write in your state and offer lower prices compared to the large companies like Allstate and Progressive.

Additional car insurance information is available below:

• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Insuring a Leased Car (Insurance Information Insitute)
• Driving in Bad Weather (Insurance Information Insitute)
• Coverage Information (Progressive Insurance)