View 1993 Subaru SVX Insurance Cost

Purchasing the most affordable insurance online may be problematic for consumers not familiar with comparison shopping online. With such a large number of companies competing online, how can drivers possibly compare the different rates to find the lowest price available?

You should make it a habit to check insurance prices yearly because rates change quite often. Just because you found the lowest rates for SVX insurance last year there may be better deals available now. Starting right now, block out anything you think you know about insurance because we’re going to show you the best methods to find better rates and still maintain coverage.

Where Can I Get Cheap Insurance Coverage?

The are a couple different ways of comparing rate quotes and find the best price. The recommended way to find competitive 1993 Subaru SVX insurance rates is to use the internet to compare rates. This can be done in several different ways.

The easiest and least time consuming way to find the lowest comparison rates is an all-inclusive rate comparison like this one (opens in new window). This method eliminates the need for boring form submissions for each company. One form will return quotes from many national carriers. This is by far the quickest method.

A slightly less efficient method to compare rate quotes requires a visit to the website for every company you want to comare to complete their respective quote request forms. For example, let’s say you want to compare rates from Liberty Mutual, Farmers and Travelers. You would have to take the time to go to each site to enter your coverage information, which is why the first method is quicker.

For a list of links to companies insuring cars in your area, click here.

The least recommended way of comparing rate quotes is to spend your day driving to insurance agents’ offices. Buying insurance online has reduced the need for local agents unless you require the trained guidance of a local agent. Drivers can price shop online but still have the advice of a local agent and we’ll touch on that later.

It doesn’t matter which method you choose, just make absolute certain that you use apples-to-apples coverage information with each company. If the quotes have mixed coverages then you won’t be able to determine which rate is truly the best. Just a small difference in coverage limits can make a big difference in price. And when comparing insurance coverage rates, know that comparing a large number of companies will increase your chances of finding lower pricing.

Situations that might require an agent

When buying proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining if your situation might need an agent’s assistance.

Is borrowed equipment or tools covered if stolen or damaged?
How can I get my company to pay me more for my totalled car?
Am I covered when driving in Canada or Mexico?
When should I remove comp and collision on my 1993 Subaru SVX?
How much underlying liability do I need for an umbrella policy?
Do I pay less if my vehicle is kept in my garage?
How do I buy GAP insurance?
Do I need to file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, complete this form.

Auto insurance 101

Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical expense coverage

Med pay and PIP coverage reimburse you for bills like rehabilitation expenses, hospital visits, pain medications and chiropractic care. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Coverage for collisions

Collision insurance will pay to fix damage to your SVX resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like scraping a guard rail, colliding with another moving vehicle and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Subaru SVX.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Auto liability insurance

This coverage provides protection from damage or injury you incur to a person or their property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like funeral expenses, medical services, loss of income, court costs and emergency aid. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Comprehensive protection

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, a tree branch falling on your vehicle and rock chips in glass. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.