How Much Does 1990 Subaru Justy Car Insurance Cost?

Searching for the cheapest car insurance rates for your Subaru Justy? Are you burned out from sacrificing to pay car insurance each month? You have the same problem as millions of other people. Big-name insurance companies like GEICO, Progressive and Allstate continually bombard you with catchy ads and it is difficult to separate fact from fiction and find the best price available.

Consumers should take time to shop coverage around yearly since insurance prices are constantly changing. Despite the fact that you may have had the best deal for Justy insurance a few years ago you can probably find a better rate now. Ignore everything you know about car insurance because I’m going to teach you the quickest way to reduce your cost while increasing coverage.

Buy insurance coverage online

Getting a more affordable price on 1990 Subaru Justy insurance can be surprisingly simple. The only thing you need to do is take the time to get quotes to find. Price comparisons can be done in several different ways.

Without a doubt, the easiest way consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This style of form eliminates the need for separate forms for each company you want a rate for. One form compares rates from multiple low-cost companies.

A more difficult way to analyze rates is to take the time to go to each company’s website and fill out a new quote form. For instance, we’ll pretend you are doing a rate comparison from Liberty Mutual, GEICO and Travelers. To find out each rate you need to go to every website and enter your information, which explains why we recommend starting with the first method.

For a list of links to insurance companies in your area, click here.

The least recommended method of comparing rate quotes to insurance agencies in your area. The ability to quote online has reduced the need for local agents unless your situation requires the guidance of an agent trained in personal lines coverage. Drivers can get prices online but still have the advice of a local agent.

Which method you use is up to you, but do your best to enter the same coverage information with every price quote. If each company quotes different values for each quote it’s impossible to get a fair rate comparison.

Get cheaper car insurance with discounts

Companies offering auto insurance don’t list their entire list of discounts very well, so we took the time to find both the well known as well as some of the hidden credits available to lower your premiums when you buy insurance coverage online. If you don’t get every credit available, it’s possible you qualify for a lower rate.

  • Driver Safety – Taking time to complete a course in driver safety can save you 5% or more depending on where you live.
  • Organization Discounts – Belonging to a professional or civic organization may earn a discount on your next renewal.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts as much as 30%.
  • Good Students Pay Less – Excelling in school can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen so companies will give you a small discount.
  • E-sign Discounts – Some of the larger companies give back up to $50 get insurance coverage on the web.
  • Own a Home and Save – Just being a homeowner may earn you a small savings since owning and maintaining a home means you have a higher level of financial diligence.

One last thing about discounts, most discounts do not apply to the entire cost. Most only apply to individual premiums such as physical damage coverage or medical payments. Just because it seems like having all the discounts means you get insurance for free, you aren’t that lucky. But all discounts will cut the cost of coverage.

Large car insurance companies and their possible discounts can be found below.

  • Mercury Insurance may have discounts that include low natural disaster claims, multi-car, good driver, location of vehicle, type of vehicle, and accident-free.
  • Farmers Insurance has savings for distant student, pay in full, teen driver, switch companies, early shopping, and electronic funds transfer.
  • Farm Bureau has discounts for 55 and retired, youthful driver, driver training, multi-policy, safe driver, and renewal discount.
  • State Farm may offer discounts for accident-free, Drive Safe & Save, defensive driving training, Steer Clear safe driver discount, good driver, and student away at school.
  • Allstate includes discounts for premier plus, FullPay discount, 55 and retired, senior citizen, multi-policy, farm vehicle, and auto/life discount.
  • GEICO may include discounts for anti-lock brakes, federal employee, anti-theft, emergency military deployment, and membership and employees.

Double check with each company the best way to save money. All car insurance discounts might not apply in your area. If you would like to choose from a list of providers that have a full spectrum of discounts, click this link.

You can change your insurance rates

Part of the auto insurance buying process is learning some of the elements that come into play when calculating your policy premiums. If you have a feel for what influences your rates, this enables you to make decisions that may reward you with big savings.

  • Never go without auto insurance – Driving without insurance coverage in place is a misdemeanor and you may have a hard time finding new coverage because you let your insurance coverage expire. In addition to paying higher rates, being ticketed for driving with no insurance might get you a license revocation or jail time. You may have to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Liability insurance is cheap – Your policy’s liability coverage will provide protection if you are ruled to be at fault for causing damage or personal injury in an accident. Your liability coverage provides for a legal defense to attempt to prove you were not liable. Liability insurance is pretty cheap compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Discounts for married couples – Being married may save some money on your auto insurance policy. It usually means you are more mature it has been statistically shown that drivers who are married file infrequent claims.
  • Big cities mean more claims – Having an address in a small town can save you money when talking about auto insurance. Drivers in populated areas regularly have more aggressive driving styles and a longer drive to work. Fewer drivers translates into fewer accident claims as well as less vandalism and auto theft.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage, there is no best way to insure your cars. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that might point out if your situation may require specific advice.

  • If my 1990 Subaru Justy is totaled, can I afford another vehicle?
  • Am I getting all the discounts available?
  • What is the difference between comprehensive and collision coverage?
  • When can my company non-renew my policy?
  • How do I insure my teen driver?
  • Should I carry comprehensive and collision coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Can you really save if you switch?

Consumers get pounded daily by advertisements that claim the best car insurance rates by Progressive, Allstate and GEICO. All the ads make the point about how much you will save if you move your coverage.

How is it plausible that every one can make the same claim? It’s all in the words they use.

Many companies have a certain “appetite” for the type of customer that is profitable for them. A good example of this type of risk profile might have to be between 30 and 50, has no claims, and has a high credit rating. Anyone that fits those parameters will most likely get cheap car insurance rates and therefore will cut their rates if they switch.

Potential customers who don’t measure up to these criteria will be charged a higher premium which translates to the prospect going elsewhere. The wording the ads use say “customers who switch” but not “everyone who gets a quote” will save that much if they switch. That’s the way companies can truthfully advertise the way they do. Because each company has a different risk profile, it is so important to do a rate comparison at every renewal. Because you never know which insurance companies will provide the lowest car insurance rates.

The coverage is in the details

Learning about specific coverages of your policy helps when choosing the right coverages and proper limits and deductibles. Auto insurance terms can be confusing and reading a policy is terribly boring. These are the usual coverages offered by auto insurance companies.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from flooding, rock chips in glass, hitting a deer and a broken windshield. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for expenses such as ambulance fees, nursing services and chiropractic care. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision coverages – Collision coverage covers damage to your Justy from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as scraping a guard rail, sustaining damage from a pot hole and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Subaru Justy.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Liability coverages – This provides protection from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things like bail bonds, attorney fees, repair costs for stationary objects, medical expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

The best insurance company isn’t always the cheapest

Some companies don’t offer price quotes online and usually these smaller companies work with independent agents. More affordable auto insurance can be found online as well as from independent agents, so compare prices from both to have the best selection.

In this article, we presented some good ideas how to compare 1990 Subaru Justy insurance car insurance rates online. The key thing to remember is the more quotes you get, the higher your chance of finding low cost insurance coverage. You may even discover the best car insurance rates are with some of the smallest insurance companies. Some small companies may cover specific market segments cheaper as compared to the big name companies such as Progressive and GEICO.

Additional detailed information is available by following these links: