Compare 1993 Subaru Justy Insurance Quotes

Want lower car insurance rates for your Subaru Justy? Are you a victim of high-priced car insurance? Trust us, there are many consumers feeling the pinch from expensive car insurance. You have so many insurers to choose from, and though it is a good thing to have a selection, too many choices makes it more difficult to compare rates and find the lowest cost car insurance.

It’s a good habit to compare rates before your policy renews since rates trend upward over time. Just because you had the best deal on Justy coverage a few years ago there is a good chance you can find better prices now. Block out anything you think you know about car insurance because it’s time to teach you how to quote online to remove unneeded coverages and save money.

The purpose of this post is to teach you the best way to quote coverages and some tricks to saving. If you have car insurance now, you stand a good chance to be able to cut costs considerably using these methods. Drivers just need to learn the best way to compare rates online.

Save with these discounts

Companies don’t list all available discounts in an easy-to-find place, so we took the time to find a few of the more well known in addition to some of the lesser obvious savings tricks you should be using when you buy auto insurance online.

  • Renewal Discounts – Some insurance companies give discounts for switching policies early. You can save around 10% with this discount.
  • Driver’s Education for Students – Require your teen driver to complete a driver education course as it can save substantially.
  • Discounts for New Vehicles – Buying insurance on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Auto/Home Discount – If you can combine your auto and homeowners policy and place coverage with the same company you could save approximately 10% to 15%.
  • Lower Rates for Military – Having a deployed family member could be rewarded with lower rates.
  • Student in College – Older children who attend college more than 100 miles from home and leave their car at home may qualify for this discount.
  • Safety Course Discount – Participating in a defensive driver course may get you a small discount and make you a better driver.

Discounts save money, but please remember that most discount credits are not given to the entire cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

Large insurance coverage companies and their offered discounts are included below.

  • Progressive has discounts for multi-policy, online quote discount, online signing, homeowner, multi-vehicle, and continuous coverage.
  • GEICO may have discounts that include air bags, anti-lock brakes, emergency military deployment, military active duty, daytime running lights, defensive driver, and driver training.
  • State Farm offers premium reductions for Steer Clear safe driver discount, safe vehicle, anti-theft, accident-free, and multiple policy.
  • Esurance may offer discounts for online shopper, Pac-12 alumni, good driver, emergency road assistance, and homeowner.
  • The Hartford discounts include anti-theft, good student, defensive driver, bundle, air bag, driver training, and vehicle fuel type.

Double check with every insurance company which discounts can lower your rates. Some of the earlier mentioned discounts may not be offered in your area. To choose insurance companies that offer multiple discounts, click here.

Special considerations

When choosing adequate coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether or not you may require specific advice.

  • How much underlying liability do I need for an umbrella policy?
  • Are there companies who specialize in insuring high-risk drivers?
  • Should I buy only the required minimum liability coverage?
  • Can I rent a car in Mexico?
  • Do I need roadside assistance coverage?
  • What is high-risk coverage and where do I buy it?

If it’s difficult to answer those questions, 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, free and may give you better protection.

Car insurance in the media

Consumers constantly see and hear ads for car insurance savings by companies like State Farm, GEICO and Progressive. They all make an identical promise that people will save if you switch to their company.

How does every car insurance company charge less that you’re paying now? It’s all in the numbers.

All companies quote the lowest rates for the type of driver that makes them money. One example of this type of risk profile may be a married male, has never had a claim, and does not commute to work. Someone that meets those criteria will most likely get cheap rates and will save a lot if they switch.

Potential insureds who fall short of those standards will be quoted a more expensive rate with the end result being the customer buying from a different company. The ads state “people who switch” but not “all drivers who get quotes” save that much. This is how companies can make those claims.

Different companies use different criteria so you really need to compare many company’s auto insurance rates. It’s just not possible to know with any certainty which company will fit you best based on your risk profile.

Insurance coverages and their meanings

Understanding the coverages of a insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverages available from insurance companies.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like X-ray expenses, funeral costs and pain medications. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Liability insurance

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

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as pain and suffering, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Comprehensive (Other than Collision)

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as rock chips in glass, a broken windshield, hitting a deer, fire damage and damage from getting keyed. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with a tree, driving through your garage door, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Subaru Justy.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time these coverages are identical to your policy’s liability coverage.

Buy online or local, you save

In this article, we covered quite a bit of information on how to compare 1993 Subaru Justy insurance rates online. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding cheap auto insurance. You may be surprised to find that the lowest priced insurance coverage comes from a smaller regional carrier. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm or Progressive.

Some insurance companies may not have internet price quotes and these smaller providers prefer to sell through independent insurance agents. More affordable insurance coverage can be sourced both online and from local agencies, and you should compare price quotes from both to have the best selection.

More information can be found on the following sites: