1991 Subaru XT Insurance Rates

Are you a victim of an underperforming, overpriced auto insurance policy? Believe me, many consumers feel financially strained by their auto insurance policy. With so many choices, it can be challenging to choose the best provider.

It’s important to get comparison quotes quite often because rates change frequently. Even if you think you had the best rates on XT coverage a year ago you can probably find a better price now. There is a lot of wrong information about auto insurance on the web, but by reading this article, you’re going to learn some proven techniques to find cheap auto insurance.

Shopping for more affordable car insurance is not that difficult. If you have a current car insurance policy or are looking for a new policy, you can learn to find better prices while maintaining coverages. Drivers just need to understand the best way to compare company rates online.

These factors can influence what you pay for Subaru XT insurance

An important part of buying insurance is that you know the rating factors that help determine the rates you pay for insurance. Knowing what influences your rates helps enable you to make changes that may reward you with big savings.

  • Better crash test results mean better rates – Safer cars are cheaper to insure. The safest vehicles protect occupants better and fewer injuries means less money paid by your insurance company and thus lower rates. If the Subaru XT is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Rates may be higher depending on your occupation – Did you know your insurance rates can be affected by your occupation? Occupations such as lawyers, business owners and stock brokers have the highest rates in part from job stress and lots of time spent at work. On the other hand, professions such as pilots, students and performers get better rates on XT coverage.
  • Increase deductibles and save – Physical damage deductibles define the amount you are required to spend before your insurance pays a claim. Physical damage insurance, also known as collision and other-than-collision, insures against damage to your car. A few examples of covered claims would be running into the backend of another car, damage caused by hail, or theft. The more you have to pay, the lower your rates will be on XT coverage.
  • Don’t let your coverage lapse – Driving with no insurance is against the law and as a result your rates will increase for letting your insurance lapse. And not only will insurance be more expensive, but being ticketed for driving with no insurance might get you a steep fine or even jail time.
  • Your location affects your rates – Being located in a rural area can save you money when insuring your vehicles. Fewer people means reduced accidents. Drivers who live in large cities regularly have traffic congestion and much longer commute distances. Higher commute times can result in more accidents.

Insurance Comparisons

Getting a cheaper price on 1991 Subaru XT insurance is not rocket science. You just need to invest a little time to get quotes from different insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

  1. The fastest way consumers can analyze rates is a comparison rater form like this one (opens in new window). This method eliminates the need for boring form submissions for every insurance company. One quote request will return quotes instantly.
  2. A different way to get quotes online is to take the time to go to each company website to complete their respective quote request forms. For instance, we’ll pretend you want to compare Allstate, 21st Century and GMAC. You would have to visit each site and enter your information, which is why the first method is more popular. To view a list of companies in your area, click here.
  3. The least efficient way of comparing rate quotes is to drive around to different agent offices. The ability to buy insurance online can eliminate the need for a local agent unless you require the professional advice of a local agent. However, consumers can price shop your coverage online but buy from a local insurance agent and we’ll cover that in a bit.

It’s up to you how you get prices quotes, just make absolute certain that you use identical coverage limits with each company. If the quotes have different limits and deductibles on each one you can’t possibly make a fair comparison for your Subaru XT.

How much can you save with discounts?

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not know about. Most are applied when you get a quote, but a few need to be specially asked for prior to receiving the credit. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Save with a New Car – Insuring a new car can cost up to 25% less compared to insuring an older model.
  • Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
  • Multi-policy Discount – When you have multiple policies with one company you may earn approximately 10% to 15%.
  • Paperwork-free – A handful of insurance companies will give a small break for buying a policy and signing up digitally online.
  • Auto/Life Discount – Larger companies have a discount if you purchase life insurance from them.
  • Senior Citizens – Mature drivers may receive a discount up to 10% on XT coverage.
  • One Accident Forgiven – A handful of insurance companies allow you one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.

It’s important to understand that most discounts do not apply to the entire policy premium. The majority will only reduce specific coverage prices like comp or med pay. So when it seems like it’s possible to get free car insurance, you’re out of luck. Any qualifying discounts will help reduce your overall premium however.

To see a list of insurance companies with discount insurance coverage rates, click here.

How much car insurance do I need?

When it comes to buying proper insurance coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique so this has to be addressed. These are some specific questions may help you determine whether or not you would benefit from an agent’s advice.

  • What is medical payments coverage?
  • How many claims can I have before being cancelled?
  • Is my teen driver covered when they drive my company car?
  • When can I cancel my policy?
  • What is PIP insurance?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is a fancy paint job covered?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Information about specific coverages

Understanding the coverages of auto insurance aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average auto insurance policy.

Liability auto insurance – Liability insurance provides protection from damages or injuries you inflict on people or other property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as attorney fees, bail bonds, court costs, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Medical payments coverage and PIP – Med pay and PIP coverage pay for bills like chiropractic care, nursing services, rehabilitation expenses and surgery. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like rock chips in glass, damage from getting keyed and hail damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with another moving vehicle, scraping a guard rail, backing into a parked car, rolling your car and colliding with a tree. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 1991 Subaru XT.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these coverages are set the same as your liablity limits.

A penny saved is a penny earned

Affordable 1991 Subaru XT insurance can be purchased from both online companies and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers do not offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

You just learned a lot of ways to shop for insurance online. The most important thing to understand is the more quotes you get, the better likelihood of reducing your rate. You may be surprised to find that the best prices are with a small local company. Regional companies may have significantly lower rates on certain market segments than their larger competitors like Allstate or State Farm.

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