Lower Your 1993 Subaru Justy Insurance Rates

Nobody that owns a car rejoices having to buy auto insurance, especially when the cost is too high.

Consumers have so many auto insurance companies to pick from, and although it’s nice to have a selection, it makes it harder to find the best rates.

Finding cheaper coverage is not that difficult. Just about every vehicle owner who has to buy insurance will most likely be able to save money. But vehicle owners can benefit by having an understanding of how big insurance companies market insurance on the web and use this information to your advantage.

Insurance premium influencing factors

Many factors are considered when quoting car insurance. Some of the criteria are obvious like an MVR report, but other factors are more transparent such as your marital status and annual miles driven.It’s important that you understand some of the factors that go into determining your premiums. If you have some idea of what impacts premium levels, this allows you to make good choices that may reward you with lower premium levels.

The following are a few of the “ingredients” insurance coverage companies consider when setting your prices.

  • GPS tracking and theft deterrents reduce insurance coverage rates – Driving a car that has a built-in theft deterrent system can save you a little every year. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop vehicle theft.
  • Liability is critical – A critical coverage on your policy, liability insurance is the coverage that protects you in the event that you are responsible for causing damage or personal injury in an accident. Your liability coverage provides you with a defense in court starting from day one. It is affordable coverage compared to physical damage coverage, so drivers should carry high limits.
  • Good drivers pay better rates – Your driving citation history impacts premiums far more than you think. Even a single speeding ticket or other violation can boost insurance rates forty percent or more. Attentive drivers have lower premiums as compared to careless drivers. Drivers who have received license-revoking violations such as hit and run, DWI or reckless driving convictions may find that they have to to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to legally drive a vehicle.
  • Don’t let your policy lapse – Not having insurance is a misdemeanor and as a result your rates will increase for letting your coverage cancel without a new policy in place. Not only will you pay higher rates, being ticketed for driving with no insurance can result in a fine, jail time, or a revoked license. You may have to prove you have insurance by filing a SR-22 with your state DMV.
  • Marriage discount – Having a significant other may earn you lower rates on your insurance coverage policy. Marriage demonstrates that you tend to be more mature and responsible it has been statistically shown that married drivers get in fewer accidents.
  • Experienced drivers pay less – More experienced drivers are shown to be more cautious, tend to cause fewer accidents and get fewer tickets.Drivers with little experience have a tendency to be inattentive when at the wheel of a vehicle so insurance coverage rates are higher.
  • Higher premiums for demanding employers – Occupational choices like doctors, architects and medical professionals usually pay higher rates than the rest of us due to intense work requirements and incredibly demanding work hours. Other jobs like professors, students and homemakers have the lowest average rates for Justy coverage.
  • The more you drive the more you pay – Driving more miles in a year the more you’ll pay to insure it. A lot of companies calculate rates partially by how you use the vehicle. Autos left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. It’s a smart idea to ensure your declarations sheet is rated on how each vehicle is driven. An improperly rated Justy may be costing you higher rates.

How to shop insurance online

Most major insurance companies provide pricing from their websites. The process doesn’t take a lot of time because you just enter as detailed in the form. Once you submit the form, the quote system sends out for reports for credit and driving violations and returns pricing information determined by many factors. Quoting online streamlines rate comparisons, but the process of having to visit many different websites and type in the same information gets old quite quickly. But it’s also necessary to have as many quotes as possible in order to get better insurance pricing.

The easy way to compare rates

The preferred way to find lower prices uses just one form that gets price quotes from a lot of companies. It’s a real time-saver, requires much less work on your part, and makes price shopping online a little more enjoyable. Once the form is submitted, it gets priced and you can select any or none of the quote results.

If the quotes result in lower rates, you can simply submit the application and purchase the new policy. The entire process just takes a couple of minutes and you will know how your current rates stack up.

In order to compare rates using this form now, click here to open in new window and submit your coverage information. If you currently have coverage, we recommend that you enter as close as possible to your current policy. Using the same limits helps guarantee you will receive a fair comparison using the same coverage and limits.

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Do you qualify for discounts?

Some providers don’t always publicize every available discount in a way that’s easy to find, so the list below contains some of the more common as well as some of the hidden discounts that you may qualify for. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Accident-Free Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on insurance quote compared to drivers who are more careless.
  • Own a Home and Save – Just being a homeowner may earn you a small savings because it means you have a higher level of financial diligence.
  • Paperless Signup – Some of the larger companies will discount your bill up to fifty bucks for buying a policy and signing up online.
  • Discount for Multiple Policies – When you have multiple policies and place coverage with the same company you will save over 10 percent off each policy depending on the company.
  • Membership in Organizations – Having an affiliation with a professional or civic organization could qualify you for a break when shopping for car insurance.
  • Early Switch Discount – Some insurance companies reward drivers for switching policies prior to your current policy expiration. This discount can save up to 10%.
  • Payment Method – By paying your policy upfront rather than paying in monthly installments you may have a lower total premium amount.
  • Theft Deterent – Cars and trucks that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.

Discounts save money, but please remember that most discount credits are not given to all coverage premiums. A few only apply to individual premiums such as comp or med pay. So even though they make it sound like all those discounts means the company will pay you, companies don’t profit that way.

A partial list of companies who may offer these benefits include:

If you need lower rates, check with all companies you are considering which discounts you may be entitled to. Some of the discounts discussed earlier may not be offered in every state. If you would like to choose from a list of insurance companies that offer multiple discounts, click this link.

Don’t assume everyone needs the same insurance coverage coverage

When it comes to buying the right insurance coverage for your vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions might point out whether or not you would benefit from professional advice.

  • What is the ISO rating for a 1993 Subaru Justy?
  • Can I get a multi-policy discount?
  • Where can I find high-risk insurance?
  • Do I have coverage when using my vehicle for my home business?
  • Does coverage extend to my business vehicle?
  • Should I drop comprehensive coverage on older vehicles?
  • Should I have combined single limit or split liability limits?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Coverage specifics

Having a good grasp of a insurance policy aids in choosing which coverages you need and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most insurance policies.

Liability car insurance

This coverage provides protection from damage that occurs to other people or property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Occasionally you may see a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as repair bills for other people’s vehicles, legal defense fees, emergency aid and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for short-term medical expenses like doctor visits, pain medications and dental work. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, a broken windshield and vandalism. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for collisions

This coverage covers damage to your Justy resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as backing into a parked car, hitting a mailbox, sideswiping another vehicle, crashing into a building and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Final considerations

We’ve covered a lot of information how to lower your 1993 Subaru Justy insurance prices. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with the smaller companies. They may cover specific market segments cheaper than their larger competitors like Allstate and Progressive.

Some insurance coverage companies may not have the ability to get a quote online and these smaller providers only sell through independent agencies. More affordable insurance coverage can be sourced online and also from your neighborhood agents, and you should compare price quotes from both to have the best chance of lowering rates.

More information is available at the links below

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