Compare 1996 Subaru SVX Insurance Quotes

Searching for lower insurance rates for your Subaru SVX? Do you get frustrated by the wide range of insurance providers in your area? people have such a vast assortment of providers available that it can be more work than you anticipated to find a more affordable company.

It is always a good idea to quote other rates before your next renewal because insurance prices change quite often. Just because you had the lowest quotes on SVX coverage a year ago you may be paying too much now. You’ll find a ton of advice on insurance on the internet, but you can learn some good information on how to find cheap insurance.

Low cost insurance prices

When shopping for insurance there are multiple ways to compare rate quotes from different insurance companies. The best method to compare rates is to jump online and get quotes. This is very easy and can be done using a couple different methods.

  1. The first (and easiest) way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This style of form eliminates the need for repetitive form submissions for every insurance company. Filling out one form will get you price quotes instantly. Recommended for those who want to invest the least amount of time.
  2. A less efficient way to shop for insurance online requires a visit to the website for every company you want to comare and complete a new quote form. For instance, we’ll pretend you want to see prices from USAA, Liberty Mutual and Progressive. You would be required to visit each site and repeatedly enter your information, which can be really labor intensive. For a handy list of car insurance company links in your area, click here.
  3. Even if you have time, the least recommended way of getting rate comparisons is making phone calls or going to local insurance agencies. The ability to buy insurance online has made agencies unnecessary unless you’re the type of person who wants the professional abilities that you can only get from talking to an agent. It is possible to price shop your coverage online but buy from a local insurance agent.

How you compare quotes is your choice, just compare apples-to-apples deductibles and coverage limits on every quote you get. If you use different values for each quote it will be impossible to decipher which rate is best. Even a minor difference in coverage limits could mean much higher rates. And when quoting insurance, remember that making a lot of price comparisons helps improve the odds of finding more affordable insurance. Not every company provides rate quotes online, so you need to compare price estimates from them, too.

Do you qualify for discounts?

Insurance can cost an arm and a leg, but you may qualify for discounts that you may not know about. Some trigger automatically at the time you complete a quote, but once in a while a discount must be specially asked for before being credited.

  • Discount for Passive Restraints – Vehicles with factory air bags or automatic seat belts can receive discounts of 25 to 30%.
  • Distant College Student Discount – College-age children who are attending college and do not have access to a covered vehicle could get you a discount.
  • Theft Deterent System – Cars optioned with advanced anti-theft systems are stolen with less frequency and will qualify for a discount on a insurance quote.
  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with discounted auto insurancerates on garaged vehicles.
  • Telematics Discount – Drivers that enable their auto insurance company to monitor where and when they drive by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if their driving habits are good.
  • Driver’s Education for Students – Require your teen driver to take driver’s ed class if offered at their school.
  • New Vehicle Savings – Insuring a new car can save up to 30% because newer models have to meet stringent safety requirements.

Remember that most credits do not apply to your bottom line cost. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates it’s possible to get free car insurance, auto insurance companies aren’t that generous.

A list of companies and a partial list of their discounts are:

  • American Family offers discounts for bundled insurance, defensive driver, good student, multi-vehicle, accident-free, and good driver.
  • State Farm discounts include safe vehicle, accident-free, multiple policy, Drive Safe & Save, multiple autos, driver’s education, and passive restraint.
  • 21st Century includes discounts for homeowners, driver training, good student, teen driver, early bird, and 55 and older.
  • Travelers has savings for good student, hybrid/electric vehicle, driver training, home ownership, multi-car, continuous insurance, and payment discounts.
  • Geico may include discounts for daytime running lights, anti-theft, air bags, multi-vehicle, good student, and membership and employees.

It’s a good idea to ask every company how you can save money. Savings might not apply in your state. To see providers who offer discounts, click here.

Lower your insurance rates

A large part of saving on insurance coverage is knowing some of the elements that help determine the level of your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this allows you to make educated decisions that could result in cheaper rates.

  • Cheaper rates by bundling – Most insurers give discounts to policyholders that have more than one policy. It’s known as a multi-policy discount. If you currently are using one company, you still need to check prices from other companies to make sure you are getting the best deal.
  • Does insurance cost more for men? – Statistics demonstrate that women are safer drivers than men. Now that doesn’t mean men are WORSE drivers than women. Females and males are in auto accidents in similar numbers, but males cause more damage and cost insurance companies more money. In addition to higher claims, males also have more aggressive citations like driving under the influence (DUI). Young men ages 16 to 20 have the highest risk to insure so it costs more to insure them.
  • Physical damage deductibles are a factor – Deductibles for physical damage represent how much money you are willing to pay if a claim is determined to be covered. Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of covered claims are colliding with a stationary object, fire damage, and damage caused by road hazards. The more of the claim you pay before a claim is paid (deductible), the less money you will pay for insurance coverage on SVX coverage.
  • Urban residents pay more – Choosing to live in a rural area is a good thing when trying to find low car insurance rates. People who live in big cities have to deal with much more traffic and higher rates of accident claims. Fewer drivers on the road corresponds to lower accident rates and lower theft and vandalism rates.
  • Being married pays dividends – Your spouse may cut your premiums on insurance coverage. Having a spouse demonstrates that you tend to be more responsible and statistics prove married couples file fewer claims.

Don’t assume everyone needs the same car insurance coverage

When choosing adequate coverage, there is no single plan that fits everyone. Everyone’s situation is a little different.

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

  • When can my company non-renew my policy?
  • Do I really need UM/UIM coverage?
  • Is my ex-spouse still covered by my policy?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I need medical payments coverage since I have good health insurance?
  • Can my teen driver be rated on a liability-only vehicle?
  • Are rock chip repairs covered?
  • What vehicles should carry emergency assistance coverage?
  • Should I have combined single limit or split liability limits?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, simply complete this short form.

Car insurance specifics

Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Auto liability

This coverage protects you from damages or injuries you inflict on other people or property. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. 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 a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things like emergency aid, repair bills for other people’s vehicles, funeral expenses, medical services and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Collision protection

This coverage covers damage to your SVX resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as sideswiping another vehicle, crashing into a building, hitting a parking meter, sustaining damage from a pot hole and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Subaru SVX.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.

Comprehensive car insurance

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, hail damage, vandalism, rock chips in glass and a broken windshield. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as prosthetic devices, X-ray expenses, chiropractic care and EMT expenses. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

More choices the merrier

We just covered quite a bit of information on how to get a better price on 1996 Subaru SVX insurance. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the best price on insurance coverage is with the least-expected company.

As you shop your coverage around, you should never skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice comprehensive coverage or liability limits only to find out that it was a big error on their part. Your goal should be to get the best coverage possible for the lowest cost, not the least amount of coverage.

Cheaper insurance coverage can be sourced online and also from your neighborhood agents, so get free insurance quotes from both of them to have the best chance of lowering rates. Some insurance companies don’t offer online price quotes and many times these regional insurance providers sell through local independent agencies.

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