1992 Subaru Justy Car Insurance Quotes – 7 Ideas for Cheaper Rates

Want lower insurance rates for your Subaru Justy? Did you fall for a flashy sales pitch and buy overpriced insurance? Trust us when we tell you there are lots of people in the same boat.

Big companies like Geico, 21st Century and Progressive persitently shower you with ad campaigns and it is difficult to sift through the bull and do the work needed to find the best deal.

It is always a good idea to get comparison quotes quite often due to the fact that insurance rates change quite often. If you had the best deal for Justy coverage six months ago there is a good chance you can find better rates now. So ignore everything you know about insurance because you’re about to learn one of the easiest ways to save money, get proper coverage and the best rates.

If you currently have car insurance, you will most likely be able to save some money using these methods. Finding the best rates is quite easy. But drivers must understand the way companies sell insurance online and use this information to your advantage.

Verify you’re getting all your discounts

Companies don’t always list all available discounts very clearly, so here is a list both well-publicized and also the lesser-known ways to save on car insurance.

  • Multiple Cars – Having all your vehicles on one policy qualifies for this discount.
  • Safety Course Discount – Completing a course in driver safety can save you 5% or more if your company offers it.
  • Accident Free – Drivers with accident-free driving histories pay much less as compared to accident-prone drivers.
  • Safe Drivers – Drivers who avoid accidents may save up to 50% more for Justy coverage than less cautious drivers.
  • Low Mileage Discounts – Fewer annual miles on your Subaru could qualify for a substantially lower rate.
  • Clubs and Organizations – Participating in a civic or occupational organization is a good way to get lower rates on car insurance for Justy coverage.
  • Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.

It’s important to note that some credits don’t apply to your bottom line cost. A few only apply to individual premiums such as collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

For a list of insurance companies who offer car insurance discounts, click here.

How to Compare Auto Insurance

There are a lot of ways to compare auto insurance quotes, but one way is easier and takes less work. You can spend countless hours driving to insurance companies in your area, or you can utilize online quoting to get rate comparisons in just a few minutes.

Most of the larger companies belong to an insurance system that enables customers to enter their policy data once, and at least one company returns a rated price. This saves time by eliminating repetitive form submissions to every company.

To find out how much you’re overpaying now click here to open in new window.

The one downside to pricing coverage this way is you don’t know exactly the companies you want to price. So if you prefer to choose specific providers to compare, we put together a list of low cost auto insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, make sure you use apples-to-apples quote information on every quote. If you enter differing limits it will be impossible to make a fair comparison for your Subaru Justy. Having just a slight variation in limits may cause a big price difference. Just remember that getting more free quotes will increase your chances of finding lower pricing.

When should I talk to an agent?

When it comes to choosing the best insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if your insurance needs might need professional guidance.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Can my teen drive my company car?
  • Can I get a multi-policy discount?
  • Does medical payments coverage apply to all occupants?
  • Is a blown tire covered by insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Coverage specifics

Having a good grasp of insurance helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are typical coverage types offered by insurance companies.

Liability coverage

Liability coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects you against claims from other people. It does not 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 policy limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as emergency aid, repair bills for other people’s vehicles, repair costs for stationary objects, medical expenses and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision insurance

This will pay to fix damage to your Justy caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a building, crashing into a ditch, hitting a mailbox and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as theft, a broken windshield, vandalism and fire damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as nursing services, dental work and EMT expenses. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Cheaper insurance is a realistic goal

When trying to cut insurance costs, do not buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice collision coverage and learned later that it was a big mistake. Your strategy should be to buy a smart amount of coverage at the best price, not the least amount of coverage.

Low-cost 1992 Subaru Justy insurance can be bought online and also from your neighborhood agents, and you should be comparing both in order to have the best chance of saving money. A few companies may not provide online quoting and many times these smaller companies only sell through independent insurance agents.

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