Cheaper 1996 Subaru SVX Car Insurance Rates

Are you burned out from being strong-armed to keep your car insured? You are no different than many other drivers. Insurance companies such as Geico, Farmers Insurance and State Farm all promote huge savings with ads and it is challenging if not impossible to ignore the promise of big savings and take the time to shop coverage around.

If you have insurance now or need new coverage, you will benefit by learning to reduce the price you pay and possibly find even better coverage. Finding affordable coverage is quite easy. Drivers only need an understanding of the best way to compare company rates on the web.

Quote insurance online

Finding cheaper insurance quotes is actually quite simple. All that’s required is to take time to compare rate quotes to discover which company has low cost auto insurance quotes. You can get a good selection of rate quotes in just a few minutes using one of these methods.

1. The first (and easiest) way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This form saves time by eliminating repetitive form entry for every company. Taking the time to complete one form gets prices estimates from multiple companies.
2. A harder way to compare prices requires a visit to each company website and fill out a new quote form. For instance, we’ll assume you are doing a rate comparison from Geico, Liberty Mutual and Progressive. You would have to go to every website to enter your coverage information, and that explains why we recommend the first method. For a list of companies in your area, click here.
3. If you have time to kill, the last method to comparison shop is to spend your day driving to and from local insurance agencies. Quoting online reduces the need to sit down with an agent unless you want the guidance of a local agency. If you prefer, some companies allow you to compare the best prices online but still have the advice of a local agent.

It doesn’t matter which method you choose, just be sure you’re using apples-to-apples coverage data on every price quote you get. If the quotes have different limits and deductibles on each one you will not be able to determine the best price for your Subaru SVX.

Discounts for cheaper auto insurance rates

Insuring your fleet can be pricey, but you might be missing out on some discounts that can drop the cost substantially. Certain reductions will be credited when you get a quote, but some discounts are required to be manually applied before they will apply.

• No Claims – Good drivers with no accidents get the best auto insurance rates when compared with bad drivers.
• Responsible Drivers – Accident-free drivers may save up to 50% more for SVX insurance compared to accident prone drivers.
• Discount for Good Grades – A discount for being a good student may save as much as 25% on a auto insurance quote. You can use this discount normally until age 25.
• Home Ownership Discount – Simply owning a home may earn you a small savings because owning a home requires personal responsibility.
• Policy Bundle Discount – If you can bundle your auto and home insurance with one insurance company you will save over 10 percent off each policy depending on the company.

As a footnote on discounts, most of the big mark downs will not be given to all coverage premiums. A few only apply to the cost of specific coverages such as medical payments or collision. Even though the math looks like you can get free auto insurance, insurance companies wouldn’t stay in business.

A few popular companies and their offered discounts can be found below.

• State Farm may have discounts that include defensive driving training, safe vehicle, anti-theft, passive restraint, and accident-free.
• Farmers Insurance policyholders can earn discounts including electronic funds transfer, switch companies, early shopping, mature driver, business and professional, and distant student.
• Geico offers discounts for federal employee, military active duty, membership and employees, anti-lock brakes, multi-vehicle, seat belt use, and defensive driver.
• American Family has discounts for air bags, Steer into Savings, good student, defensive driver, accident-free, and TimeAway discount.
• Nationwide includes discounts for good student, business or organization, accident-free, defensive driving, Farm Bureau membership, and family plan.
• Progressive may offer discounts for homeowner, online quote discount, online signing, multi-policy, good student, and continuous coverage.

Before you buy a policy, ask every prospective company which discounts can lower your rates. Discounts might not be offered on policies in your area. If you would like to choose from a list of insurers that have a full spectrum of discounts, follow this link.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage for your vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions may help highlight whether you could use an agent’s help.

• Do I need rental car coverage?
• Can I get a multi-policy discount?
• Do I have newly-aquired coverage?
• Can I afford low physical damage deductibles?
• What is roadside assistance coverage?
• How high should my uninsured/underinsured coverage be in my state?
• Am I covered when pulling a rental trailer?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverage options for a Subaru SVX

Understanding the coverages of your car insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Car insurance terms can be confusing and even agents have difficulty translating policy wording. These are the usual coverages found on most car insurance policies.

Collision protection

This coverage covers damage to your SVX caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like hitting a parking meter, colliding with another moving vehicle, sustaining damage from a pot hole, scraping a guard rail and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive coverages

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

Comprehensive insurance covers things like theft, a broken windshield and damage from a tornado or hurricane. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured and underinsured coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your Subaru SVX.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability coverages

Liability insurance can cover damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for things like structural damage, funeral expenses, repair costs for stationary objects, bail bonds and loss of income. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as hospital visits, prosthetic devices, doctor visits, dental work and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay