Compare 1993 Subaru Justy Insurance Rates

Want lower auto insurance rates for your Subaru Justy? Perplexed by the number of auto insurance options? Lot’s of other consumers are too. Consumers have so many choices that it can easily become a real hassle to find the lowest price.

Save big with these discounts

Insurance can cost an arm and a leg, but you may find discounts to help offset the cost. A few discounts will automatically apply at the time you complete a quote, but a few need to be specially asked for prior to getting the savings.

  • Clubs and Organizations – Participating in a qualifying organization is a good way to get lower rates when buying insurance for Justy coverage.
  • Resident Student – Youth drivers who live away from home and do not have a car may be able to be covered for less.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • No Charge for an Accident – Some insurance companies permit an accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Bundle and Save – If you have multiple policies with one company you could get a discount of up to 20% off your total premium.
  • Federal Employees – Being employed by or retired from a federal job can save as much as 8% for Justy coverage with a few insurance companies.
  • Military Discounts – Having a family member in the military could be rewarded with lower premiums.
  • Low Mileage Discounts – Keeping the miles down on your Subaru can earn lower rates on the low mileage vehicles.

A little note about advertised discounts, some credits don’t apply to all coverage premiums. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, it doesn’t quite work that way. But any discount will bring down your overall premium however.

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

Complexity of Subaru Justy insurance rates

Smart consumers have a good feel for the rating factors that come into play when calculating the rates you pay for insurance coverage. When you know what positively or negatively determines base rates allows you to make educated decisions that can help you get lower insurance coverage prices.

  • A clean driving record saves money – Your driving record has a lot to do with how much you pay for insurance. Even a single moving violation may increase your cost twenty percent or more. Drivers with clean records receive lower rates than their less careful counterparts. Drivers who get dangerous violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form with their state DMV in order to prevent a license revocation.
  • More than one policy can earn a discount – The majority of insurance coverage companies will award you with lower prices to policyholders who carry more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount you still need to compare other company rates to verify if the discount is saving money.
  • Rates may be higher depending on your occupation – Careers like doctors, architects and dentists are shown to have the highest average rates attributed to high stress and lengthy work days. Other jobs such as pilots, historians and the unemployed pay the least for Justy coverage.
  • Safer cars are cheaper to insure – Vehicles with good safety scores are cheaper to insure. These vehicles reduce injuries and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders. If your Subaru Justy has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Where you reside plays a part – Choosing to live in small towns and rural areas can be a good thing when it comes to insurance coverage. Fewer drivers means fewer accidents and a lower car theft rate. Drivers in populated areas have to deal with much more traffic to deal with and longer commute times. More time on the road means higher likelihood of an accident.
  • Older drivers save more – Teenage drivers are known to be less responsible when behind the wheel so they pay higher insurance coverage rates. Older insureds tend to be more responsible, tend to file fewer claims and get fewer tickets.

But I don’t know anything about car insurance

When it comes to buying the best auto insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions can aid in determining whether you will benefit from professional help.

  • Do I have coverage when using my vehicle for my home business?
  • Do I pay less if my vehicle is kept in my garage?
  • Where can I get insurance after a DUI in my state?
  • Why am I required to buy liability insurance?
  • Does coverage extend to a rental car in a foreign country?
  • Do I get a pro-rated refund if I cancel my policy early?
  • How can I get high-risk coverage after a DUI?
  • How do I file an SR-22 for a DUI in my state?
  • Should I have combined single limit or split liability limits?
  • Are all vehicle passengers covered by medical payments coverage?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form.

Coverages available on your policy

Learning about specific coverages of your policy can help you determine which coverages you need for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.

Liability auto insurance

Liability coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as medical services, repair costs for stationary objects, loss of income, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

UM/UIM Coverage

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Subaru Justy.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for surgery, hospital visits and rehabilitation expenses. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as theft, damage from getting keyed and vandalism. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for collisions

Collision coverage will pay to fix damage to your Justy from colliding 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 protects against things like sustaining damage from a pot hole, colliding with another moving vehicle and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Feed the piggy bank

When trying to cut insurance costs, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many situations where an insured cut physical damage coverage only to regret that the small savings ended up costing them much more. The aim is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

Budget-conscious 1993 Subaru Justy insurance is attainable on the web and also from your neighborhood agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

Drivers switch companies for a variety of reasons including high rates after DUI convictions, questionable increases in premium, denial of a claim and even delays in responding to claim requests. Regardless of your reason, finding a great new company is pretty easy and you might even save some money in the process.

More detailed insurance information is available in the articles below: