Compare 1991 Subaru XT Car Insurance Quotes

Paying for high-priced Subaru XT insurance can eat up your personal savings and make it hard to pay other bills.

Lots of insurance companies contend for your business, and it can be difficult to compare rates and uncover the absolute best rates possible.

If you currently have a car insurance policy, you should be able to cut costs considerably using these techniques. Finding affordable coverage is not that difficult. But drivers must learn the methods companies use to sell online.

The most recommended method to compare policy rates is to know the fact most of the larger companies have advanced systems to quote your coverage. All you need to do is provide information including how much education you have, what you do for a living, how old drivers are, and level of coverage desired. Those rating factors is then sent to insurance companies and they return rate quotes instantly.

You may qualify for discounts

Companies don’t always list every discount they offer very clearly, so here is a list a few of the more well known in addition to some of the lesser obvious discounts that you may qualify for. If you are not receiving all the discounts available, you are not getting the best rate possible.

  • Seat Belts Save – Requiring all passengers to buckle up could save 15% on the premium charged for medical payments and/or PIP.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
  • Telematics Data Discounts – Drivers that enable their insurance company to analyze driving habits by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if their driving habits are good.
  • Good Student – Performing well in school could provide a savings of up to 20% or more. Earning this discount can benefit you until age 25.
  • Student in College – Youth drivers who are enrolled in higher education away from home and do not have access to a covered vehicle can receive lower rates.
  • Homeowners Pay Less – Just owning your own home may trigger a policy discount on auto insurance because of the fact that having a home requires a higher level of personal finance.
  • Drive Less and Save – Driving fewer miles may enable drivers to earn lower premium rates on the low mileage vehicles.
  • Military Deployment Discount – Being deployed with a military unit could trigger a small discount.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

Popular auto insurance companies and some of the discounts can be found below.

  • GEICO offers discounts for multi-policy, multi-vehicle, anti-theft, defensive driver, air bags, and federal employee.
  • Travelers may offer discounts for payment discounts, good student, IntelliDrive, new car, and hybrid/electric vehicle.
  • Farm Bureau has discounts for driver training, safe driver, youthful driver, 55 and retired, good student, multi-vehicle, and multi-policy.
  • Liberty Mutual may include discounts for multi-policy, new vehicle discount, exclusive group savings, multi-car, teen driver discount, and newly married.
  • American Family offers discounts including Steer into Savings, multi-vehicle, accident-free, defensive driver, good student, good driver, and air bags.
  • Progressive policyholders can earn discounts including online signing, continuous coverage, homeowner, good student, multi-vehicle, and multi-policy.

Before buying, ask every prospective company how many discounts you can get. Some of the discounts discussed earlier might not apply in your area. If you would like to view insurers that provide some of the discounts listed above, click here to view.

There’s no such thing as the perfect insurance coverage policy

When buying coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that can aid in determining if you may require specific advice.

  • Am I covered if I drive in a foreign country?
  • Am I covered if my car is in a flood?
  • Am I missing any policy discounts?
  • Does insurance cover tools stolen from my truck?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is my 1991 Subaru XT covered for smoke damage?

If you can’t answer these questions then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Smart consumers can cut their insurance premiums

Lots of factors are taken into consideration when premium rates are determined. Some of the criteria are obvious such as your driving record, although some other factors are more transparent like your continuous coverage or how financially stable you are.

Listed below are a few of the things used by insurance companies to determine premiums.

  • Does insurance cost more for men? – The statistics show that women are safer drivers than men. The data does not necessarily mean that females are better at driving than males. Both sexes cause fender benders in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Not only are claims higher, but men receive more major tickets like DUI and reckless driving. Youthful male drivers are most likely to cause an accident and therefore are the most expensive to insure.
  • High deductibles lower costs – The deductibles represent how much money you are willing to pay if a covered claim is submitted. Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. A few examples of covered claims are collision with another vehicle, animal collisions, and having a roll-over accident. The more of the claim you’re willing to pay, the lower your rates will be on XT coverage.
  • Choose high crash test ratings and save – Cars with five star safety ratings tend to have better insurance rates. These vehicles reduce occupant injuries and lower rates of occupant injuries translates into fewer and smaller insurance claims passed on to you as lower rates. If the Subaru XT is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
  • Your career may increase prices – Do you have a high-stress occupation? Occupations like military personnelpolice officers and accountants generally have the highest average rates attributed to high stress levels and incredibly demanding work hours. Conversely, occupations such as farmers, historians and retirees get better rates on XT coverage.
  • Never let your auto insurance lapse – Having an insurance coverage lapse is a fast way to increase your renewal premiums. In addition to paying higher premiums, not being able to provide proof of insurance could result in a license revocation or jail time.
  • Marriage pays dividends – Getting married can get you a discount when shopping for auto insurance. Having a spouse generally demonstrates drivers are more mature and it’s proven that drivers who are married file infrequent claims.

Auto insurance in the media

Big name companies like State Farm, GEICO and Progressive endlessly run television, radio, and online ads. All the ads tend to make the same promise about saving some big amount after switching your coverage to them. How does every company sell you cheaper insurance coverage? This is the way they can do it.

Different companies quote their best rates for the type of insured that will not have excessive claims. An example of a profitable risk profile may be between 30 and 50, is a homeowner, and has excellent credit. Any person who matches those parameters is entitled to the best price and have a good chance to save if they switch.

Insureds who don’t measure up to those criteria will see higher prices which leads to business not being written. If you pay attention, the ads say “people that switch” not “everyone who quotes” save that kind of money. That’s the way companies can make those claims.

This illustrates why you need to compare many company’s car insurance rates. It is impossible to guess which company will have the lowest rate quotes.

Car insurance coverages for a Subaru XT

Understanding the coverages of your car insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be confusing and coverage can change by endorsement. These are the normal coverages found on the average car insurance policy.

Comprehensive (Other than Collision)

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, damage from a tornado or hurricane, falling objects and hitting a deer. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Subaru XT.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for collisions

Collision insurance covers damage to your XT resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as driving through your garage door, rolling your car, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for dental work, doctor visits, nursing services, funeral costs and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability coverage

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

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things like structural damage, emergency aid and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Power to the consumer

When getting car insurance quotes online, never reduce needed coverages to save money. There have been many situations where an insured cut comprehensive coverage or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy the best coverage you can find at an affordable rate while still protecting your assets.

The cheapest 1991 Subaru XT insurance is definitely available both online as well as from insurance agents, so you need to shop car insurance with both to get a complete price analysis. There are still a few companies who may not offer the ability to get quotes online and many times these regional insurance providers sell through independent agents.

You just learned many tips how you can shop for 1991 Subaru XT insurance online. The key thing to remember is the more providers you compare, the higher your chance of finding cheaper car insurance. Drivers may discover the most savings is with a lesser-known regional company. They often have lower prices on specific markets as compared to the big name companies such as State Farm or Progressive.

Additional information can be found at these links: