Compare 1996 Subaru SVX Insurance Quotes

Want cheaper auto insurance rates for your Subaru SVX? Nobody looks forward to paying premiums for auto insurance, especially knowing they could find better prices if they shop around.

Due to the abundance of online and local companies to choose from, it’s nearly impossible to choose the lowest cost insurance company.

Smart consumers save on insurance

Many things are used in the calculation when quoting car insurance. Some are pretty understandable such as your driving record, although others are less obvious like your continuous coverage or your financial responsibility.

  • Physical damage deductibles – Insurance for physical damage to your car, aka comp and collision, covers your vehicle from damage. Some instances where coverage would apply are a windshield shattered by a rock, damage from fire, and damage from a fallen tree branch. The deductibles you choose state the amount of money you are willing to pay if the claim is covered. The higher the amount you are required to pay out-of-pocket, the lower your rates will be for SVX coverage.
  • Add-on coverages can add up – Insurance companies have many extra add-on coverages that can waste your money if you don’t pay attention. Coverages like replacement cost coverage, better glass coverage, and extra life insurance coverage are examples of these. These may sound like a good investment at first, but if you don’t need them get rid of them and save.
  • Traffic violations drive up prices – Your driving citation history impacts your car insurance rates tremendously. Just one speeding ticket or other violation may cause rates to rise twenty percent or more. Drivers who don’t get tickets receive lower rates compared to bad drivers. Drivers with flagrant tickets like DUI or willful reckless driving may find that they have to to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to legally drive a vehicle.
  • Is car insurance cheaper for males or females? – Over the last 50 years, statistics have shown that women are safer drivers than men. The data does not necessarily mean that women are better drivers. Females and males cause at-fault accidents at a similar rate, but guys have accidents that have higher claims. Not only that, but men also get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly.
  • When should you file a insurance claims? – Insurance companies award the best rates to policyholders that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can expect increased rates or even have your policy non-renewed. Auto insurance is intended to be relied upon for larger claims.

Insurance coverage discounts help cut rates

Insuring your fleet can be pricey, but there’s a good chance there are discounts that could drop your premiums quite a bit. Many of these discounts will be applied automatically when you quote, but some may not be applied and must be specially asked for before they will apply.

  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • Club Memberships – Participating in qualifying employment or professional organizations could qualify you for a break on your next renewal.
  • New Car Discount – Insuring a new car may earn a small discount compared to insuring an older model.
  • Early Signing – A few larger companies offer discounts for switching policies before your current expiration date. You can save around 10% with this discount.
  • Defensive Driver – Taking part in a defensive driver course could cut 5% off your bill and make you a better driver.
  • Distant Student Discount – College-age children who live away from home to go to college and don’t have a car could qualify for this discount.
  • Drivers Education – Teen drivers should enroll in driver’s education if offered at their school.
  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and that can save you a little bit as well.
  • Data Collection Discounts – Policyholders that allow data collection to study their driving habits by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot may see discounts if they have good driving habits.

Don’t be surprised that some credits don’t apply to the overall cost of the policy. Some only reduce individual premiums such as comprehensive or collision. Despite the fact that it seems like all the discounts add up to a free policy, companies don’t profit that way.

Larger insurance coverage companies and their possible discounts include:

  • State Farm offers premium reductions for good driver, defensive driving training, safe vehicle, driver’s education, good student, anti-theft, and accident-free.
  • Progressive includes discounts for good student, multi-policy, multi-vehicle, homeowner, online quote discount, continuous coverage, and online signing.
  • Progressive may have discounts that include good student, homeowner, multi-policy, multi-vehicle, online signing, and continuous coverage.
  • MetLife offers discounts for defensive driver, multi-policy, good driver, accident-free, and claim-free.
  • Farm Bureau policyholders can earn discounts including multi-policy, youthful driver, renewal discount, driver training, and multi-vehicle.
  • GEICO offers discounts including good student, seat belt use, anti-lock brakes, air bags, defensive driver, and five-year accident-free.
  • SAFECO may offer discounts for teen safety rewards, anti-lock brakes, safe driver, bundle discounts, and drive less.

Before purchasing a policy, check with every insurance company how you can save money. Some credits might not apply in your area. If you would like to choose from a list of providers with the best discounts, click this link.

Which is the best auto insurance?

When buying adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. These are some specific questions may help you determine whether your personal situation will benefit from professional help.

  • What is the rate difference between pleasure use and commuting?
  • What should my uninsured motorist coverage limits be in my state?
  • What is medical payments coverage?
  • Do I need rental car coverage?
  • Does liability extend to a camper or trailer?
  • Exactly who is provided coverage by my policy?
  • Do I have coverage when making deliveries for my home business?
  • Should I have a commercial auto policy?
  • Do I have coverage when pulling a U-Haul trailer?

If you can’t answer these questions, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Auto insurance 101

Having a good grasp of auto insurance helps when choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages offered by auto insurance companies.

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Subaru SVX.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for expenses like nursing services, EMT expenses, doctor visits and chiropractic care. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Auto liability insurance

Liability insurance provides protection from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as repair costs for stationary objects, attorney fees and pain and suffering. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, a broken windshield, hail damage and damage from a tornado or hurricane. The maximum amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage

Collision insurance pays for damage to your SVX caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as driving through your garage door, colliding with another moving vehicle, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Be Smart and Buy Smart

When shopping online for car insurance, you should never buy lower coverage limits just to save a few bucks. Too many times, an accident victim reduced full coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The goal is to buy a smart amount of coverage at a price you can afford.

We just showed you a lot of techniques to shop for 1996 Subaru SVX insurance online. The key thing to remember is the more you quote auto insurance, the better likelihood of getting affordable auto insurance. You may even find the lowest prices come from an unexpected company. Some small companies can often insure niche markets at a lower cost compared to the large companies like State Farm, GEICO and Nationwide.

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