How Much Does 1996 Subaru SVX Car Insurance Cost?

Sick and tired of not being able to afford to buy car insurance? You are no different than many other drivers.

There are many car insurance companies to buy insurance from, and although it’s nice to be able to choose, lots of choices makes it harder to find the lowest rates.

Car Insurance Prices Online

Most companies quote prices for coverage directly from their websites. Getting quotes is fairly simple as you simply type in the amount of coverage you want into a form. Once you submit the form, the company’s rating system makes automated requests for information on your driving record and credit history and returns pricing information determined by many factors. Online price quotes streamlines rate comparisons, but the time it takes to visit multiple sites and complete many quote forms is monotonous and tiresome. Unfortunately, it is important to compare as many rates as possible in order to get the lowest possible prices on car insurance.

A more efficient way to locate the lowest prices uses one form to obtain quotes from a lot of companies. The form is fast, requires less work, and makes price shopping online much simpler. After your information is entered, it is rated with multiple companies and you can pick any one of the price quotes you receive. If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. This process can be completed in less than 10 minutes and can result in significant savings.

To find out how much you can save on car insurance, click here and begin entering your coverage information. If you have a policy now, it’s recommended you duplicate the coverages as shown on your current policy. This way, you will be getting comparison quotes based on similar coverages.

Cut your premium with discounts

Car insurance companies do not list all their discounts very clearly, so we took the time to find some of the more common as well as the least known savings tricks you should be using.

  • Accident Waiver – Certain companies allow you one accident before your rates go up if your claims history is clear for a set time period.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more for SVX insurance than drivers with accident claims.
  • College Student – Youth drivers living away from home attending college and do not have a car may qualify for this discount.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums for SVX insurance.
  • Defensive Driving Course – Completing a defensive driving course could save 5% or more if your company offers it.
  • Early Switch Discount – A few companies offer discounts for buying a policy before your current policy expires. It’s a savings of about 10%.
  • Multiple Vehicles – Buying coverage for multiple vehicles with the same company may reduce the rate for each vehicle.
  • Payment Method – By paying your policy upfront instead of paying each month you could save up to 5%.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Drive Less and Save – Fewer annual miles on your Subaru can earn discounted rates on garaged vehicles.

Drivers should understand that most credits do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky.

Insurance companies that possibly offer some of the above discounts include:

Before buying, ask every prospective company how you can save money. All car insurance discounts might not apply in every state.

What is the best insurance coverage?

When it comes to buying the right insurance coverage, there really is not a one size fits all plan. Every insured’s situation is different so your insurance should reflect that For instance, these questions might help in determining if your insurance needs will benefit from professional help.

  • What is roadside assistance coverage?
  • Should I buy additional glass protection?
  • What are the best liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I need added coverage for expensive stereo equipment?
  • Am I covered if I break a side mirror?
  • Do I have coverage when using my vehicle for my home business?
  • Are there companies who specialize in insuring high-risk drivers?

If you’re not sure about those questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Learn about auto insurance coverages for a 1996 Subaru SVX

Knowing the specifics of your auto insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverages found on the average auto insurance policy.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, falling objects, a broken windshield and hitting a deer. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for bills for things like funeral costs, ambulance fees and rehabilitation expenses. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Collision coverage protection

Collision insurance will pay to fix damage to your SVX caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like backing into a parked car, crashing into a ditch, hitting a mailbox, sideswiping another vehicle and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Liability

This provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects YOU from legal claims by others, 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 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as bail bonds, emergency aid and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.