Save on 1993 Subaru Justy Car Insurance Rates

Feel like you’re a prisoner to an overpriced insurance policy? Don’t sweat it because there are many people just like you. Insurance companies such as Geico, 21st Century and Progressive persitently shower you with catchy ads and it can be hard to see past the corporate glitz and find the best price available.

If you are insured now or are shopping for new coverage, you can use these techniques to get lower rates and possibly find even better coverage. Finding affordable coverage is easy if you know what you’re doing. Drivers just need to know the proper way to compare company rates online.

Discounts for cheaper auto insurance rates

Car insurance companies don’t necessarily list the entire discount list in a way that’s easy to find, so below is a list a few of the more well known and the more hidden discounts you could be receiving when you buy insurance online.

• Club Memberships – Being a member of certain professional organizations could qualify you for a break when getting a insurance quote.
• Paper-free Discount – Certain insurance companies will provide an incentive just for signing your application over the internet.
• Homeowners Discount – Owning your own home or condo may earn you a small savings because of the fact that having a home requires a higher level of personal finance.
• Include Life Insurance and Save – If the company offers life insurance, you could get a small discount if you purchase some life insurance in addition to your auto policy.
• Good Student – Maintaining excellent grades can earn a discount of 20% or more. Most companies allow this discount up until you turn 25.
• Multi-Vehicle Discounts – Purchasing coverage when you have more than one vehicle on a single policy can get a discount for every vehicle.
• Discounts for Responsible Drivers – Safe drivers can get discounts for up to 45% lower rates on Justy coverage than drivers with accident claims.
• Military Rewards – Having an actively deployed family member may lower your auto insurance rates slightly.
• Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off on Justy coverage but check with your company.

We need to note that most credits do not apply to your bottom line cost. Some only reduce individual premiums such as medical payments or collision. So even though you would think all those discounts means the company will pay you, it doesn’t quite work that way. Any amount of discount will definitely reduce your overall premium however.

Large auto insurance companies and a partial list of their discounts are included below.

• State Farm has discounts for anti-theft, good student, passive restraint, multiple autos, and good driver.
• Geico policyholders can earn discounts including multi-policy, seat belt use, military active duty, anti-theft, and federal employee.
• SAFECO offers premium reductions for homeowner, bundle discounts, teen safety rewards, multi-car, and safe driver.
• Farmers Insurance has savings for mature driver, good student, multi-car, teen driver, and business and professional.
• AAA may include discounts for good student, multi-car, AAA membership discount, pay-in-full, good driver, and multi-policy.
• USAA offers discounts for annual mileage, defensive driver, multi-vehicle, military installation, multi-policy, and driver training.

When quoting, ask all companies you are considering which discounts you may be entitled to. Savings might not be offered on policies in your area. To see companies offering auto insurance discounts, click this link.

The most recommended method to get rate comparisons is to know almost all companies will pay a fee to provide you with free rate quotes. To begin a comparison, all you need to do is spend a couple of minutes providing details like which vehicles you own, daily mileage, driver ages, and how much school you completed. Your information is then sent to insurance companies and they return rate quotes instantly.

If you would like to compare rates now, click here and complete the form.

You may need specialized auto insurance coverage

When it comes to choosing coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions might point out if your insurance needs will benefit from professional help.

• When do I need to add a new car to my policy?
• Do I have coverage if my license is suspended?
• Will my insurance pay for OEM parts?
• Is my ex-spouse still covered by my policy?
• Why am I be forced to buy a membership to get insurance from some companies?
• Do I need added coverage for expensive stereo equipment?
• Should I file a claim if it’s only slightly more than my deductible?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Specifics of your insurance policy

Knowing the specifics of your insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most insurance policies.

Uninsured/Underinsured Motorist coverage

This provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your Subaru Justy.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Collision insurance

This pays to fix your vehicle from damage from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as colliding with another moving vehicle, sideswiping another vehicle, hitting a mailbox, damaging your car on a curb and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like a broken windshield, damage from flooding, damage from a tornado or hurricane, hitting a bird and vandalism. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability coverage

Liability coverage can cover injuries or damage you cause to people or other property. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like attorney fees, loss of income, court costs and bail bonds. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like nursing services, X-ray expenses and surgery. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Best coverage at the best price

As you go through the steps to switch your coverage, you should never skimp on critical coverages to save a buck or two. There are too many instances where someone dropped liability limits or collision coverage only to regret at claim time that the small savings ended up costing them much more. Your aim should be to find the BEST coverage at the best price and still be able to protect your assets.

We covered some good ideas how you can compare 1993 Subaru Justy insurance rates online. The key concept to understand is the more price quotes you have, the better likelihood of getting affordable insurance. Consumers could even find that the biggest savings come from the least-expected company. These companies may have significantly lower auto insurance rates on certain market segments than their larger competitors like Allstate or State Farm.

Other learning opportunities

• Five Mistakes to Avoid (Insurance Information Insitute)
• Liability Insurance Coverage (Nationwide)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Teen Driving and Texting (State Farm)