Searching for lower insurance rates for your Subaru Justy? Feel like you’re a prisoner to overpriced insurance? Trust us when we tell you you are not the only one feeling buyer’s remorse. Companies like State Farm and GEICO constantly bombard you with advertising and it is challenging if not impossible to ignore the flashy ads and effectively compare rates to find the best deal.
Consumers should take time to compare rates quite often because prices change regularly. Even if you think you had the lowest price on Justy coverage a couple years back you can probably find a lower rate today. Don’t believe everything you read about insurance on the internet, so I’m going to show you some solid techniques on how to quit paying high insurance rates.
Companies don’t list all their discounts in a way that’s easy to find, so the following is a list of both the well known and the harder-to-find auto insurance savings. If you aren’t receiving every discount possible, you are paying more than you should be.
A little note about advertised discounts, many deductions do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, you won’t be that lucky.
To see a list of providers with the best auto insurance discounts, click here to view.
Finding a better price on car insurance is not rocket science. All that’s required is to invest a little time comparing rates online with multiple companies. This is very easy and can be done in a couple of different ways.
One of the simplest ways to find low rates is an all-inclusive rate comparison click here to open form in new window. This form prevents you from having to do repetitive form entry to each individual car insurance company. Taking the time to complete one form will return price quotes direct from many companies.
Another way to shop for car insurance online is to take the time to go to each individual company website to complete a price quote. For instance, we’ll pretend you want to compare rates from Allstate, State Farm and Travelers. To get each rate you have to go to every website and enter your policy data, which is why the first method is more popular.
To view a list of companies in your area, click here.
The hardest method of getting rate comparisons is to spend your day driving to local insurance agencies. The internet eliminates the need for an insurance agent unless you have a need for the personal advice of a licensed agent. However, consumers can comparison shop your insurance online and get advice from an agent in your area. We’ll cover that shortly.
It’s up to you which method you use, but compare identical coverage limits and deductibles with each company. If each company quotes different deductibles then you won’t be able to find the best deal for your Subaru Justy.
When buying coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different and your policy should reflect that. For example, these questions might point out if your situation will benefit from professional help.
If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area. It is quick, free and can help protect your family.
Understanding the coverages of a car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages offered by car insurance companies.
Liability coverage – This can cover damage or injury you incur to people or other property that is your fault. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.
Liability can pay for claims like pain and suffering, emergency aid, medical services, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.
Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for bills for surgery, funeral costs, nursing services, chiropractic care and hospital visits. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible
Collision coverage – Collision insurance covers damage to your Justy from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for claims such as damaging your car on a curb, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.
Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Subaru Justy.
Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Comprehensive car insurance – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers things such as damage from flooding, hail damage, rock chips in glass and falling objects. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
We just presented a lot of techniques to reduce 1993 Subaru Justy insurance prices online. The key concept to understand is the more times you quote, the better likelihood of reducing your rate. You may even discover the best price on car insurance is with a company that doesn’t do a lot of advertising. These companies can often insure niche markets at a lower cost compared to the large companies like GEICO and State Farm.
As you prepare to switch companies, you should never reduce coverage to reduce premium. There are many occasions where an insured cut physical damage coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to find the BEST coverage at an affordable rate while still protecting your assets.
Low-cost insurance is attainable both online in addition to many insurance agents, so compare prices from both to have the best selection. There are still a few companies who do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.