Save on 1997 Subaru SVX Insurance Rates

Trying to find the cheapest auto insurance rates for your Subaru SVX? Sick and tired of robbing Peter to pay Paul each month for car insurance? You are in the same boat as millions of other consumers.

Drivers have so many insurance companies to pick from, and though it is a good thing to have a choice, so many choices can make it hard to compare rates and find the lowest cost auto insurance.

It’s important to price shop coverage on a regular basis because insurance rates tend to go up over time. Despite the fact that you may have had the best deal on SVX coverage last year the chances are good that you can find a lower rate today. Forget all the misinformation about auto insurance because we’re going to demonstrate how to use the internet to get good coverage at a lower rate.

Finding affordable coverage is not rocket science. Basically, every vehicle owner who carries insurance coverage will most likely be able to save money. Although drivers do need to learn how companies market on the web and apply this information to your search.

How to Compare Insurance Coverage

Effectively comparing insurance coverage prices can be exhausting if you don’t understand the best way to get rate quotes. You could spend the better part of a day driving to insurance agencies in your area, or you could save time and use online quoting to get the quickest rates.

Many companies take part in a program where prospective buyers complete one form, and each company returns a rated price based on the submitted data. This saves time by eliminating quotation requests for each company.

To use this form to compare 1997 Subaru SVX insurance rates click here (opens in new window).

One minor caviat to pricing coverage this way is that you can’t choose the companies to get pricing from. So if you prefer to pick individual companies to compare, we have a listing of insurance coverage companies in your area. Click to view list.

It doesn’t matter which method you choose, just make absolute certain that you use identical coverages and limits on every quote you get. If you use mixed coverages you can’t possibly determine the best price for your Subaru SVX. Just a small difference in insurance coverages may cause a big price difference. It’s important to know that more quotes will increase your chances of finding the best price.

More discounts equal less premium

Car insurance companies don’t always advertise every discount in a way that’s easy to find, so we break down both well-publicized and the harder-to-find ways to save on auto insurance.

  • Theft Prevention Discount – Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Employee of Federal Government – Simply working for the federal government may qualify you for a discount on SVX coverage depending on your company.
  • Drivers Education – Require your teen driver to enroll in driver’s education in school.
  • Student in College – Youth drivers living away from home attending college and don’t have a car may qualify for this discount.
  • Discount for New Cars – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you could get a free auto insurance policy, auto insurance companies aren’t that generous.

Car insurance companies that may have these money-saving discounts are:

Check with every prospective company what discounts are available to you. Some discounts might not apply everywhere.

Why your Subaru SVX might be costing you more

Smart consumers have a good feel for some of the elements that play a part in calculating the rates you pay for insurance. Knowing what controls the rates you pay empowers consumers to make smart changes that can help you get big savings.

  • Bundling policies can get discounts – Many insurance companies give discounts to insureds who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, it’s still a good idea to compare other company rates to confirm you are receiving the best rates possible. You may still find better rates by buying insurance from more than one company.
  • Theft deterrents lower rates – Purchasing a vehicle with a theft deterrent system can save you a little every year. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft.
  • Better credit means lower rates – Having a bad credit score is a large factor in your rate calculation. Drivers who have good credit tend to be better drivers and file fewer claims than drivers with lower ratings. If your credit history is low, you could be paying less to insure your 1997 Subaru SVX by improving your rating.
  • Where you live can impact rates – Choosing to live in a small town is a positive aspect when it comes to insurance. Fewer people means fewer accidents. Drivers in populated areas have to deal with more traffic problems and a longer drive to work. More time on the road can result in more accidents.
  • Protect your assets with liability insurance – Your policy’s liability coverage is the protection when a jury decides you are liable for damages from an accident. Liability insurance provides legal defense coverage starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.

It’s not one size fits all

When it comes to choosing coverage, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions can help discover if your insurance needs might need an agent’s assistance.

  • Is my camper covered by my car insurance policy?
  • Is my cargo covered for damage or theft?
  • Am I covered if I hit a deer?
  • Is upholstery damage covered by car insurance?
  • Do I need special endorsements for business use of my vehicle?
  • Does my policy cover my teen driver if they drive my company car?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Is there deception in advertising?

Car insurance providers like Progressive, Allstate and Geico consistently run ads in print and on television. They all have a common claim that you can save if you change your coverage to them. How do they all say the same thing? This is how they do it.

Different companies have a certain “appetite” for the right customer they prefer to insure. An example of a profitable customer could possibly be over the age of 40, a clean driving record, and drives less than 7,500 miles a year. A customer who matches those parameters will qualify for the lowest rates and as a result will probably save a lot of money.

Potential customers who do not match these standards will be charged more money which usually ends up with the customer not buying. The ads state “customers that switch” not “everyone that quotes” save that much money. This is how companies can advertise the way they do. That is why drivers should compare as many rates as you can. It’s impossible to know which car insurance company will give you the biggest savings on Subaru SVX insurance.

Coverage specifics

Knowing the specifics of auto insurance helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average auto insurance policy.

Coverage for medical payments – Med pay and PIP coverage kick in for short-term medical expenses for things like dental work, chiropractic care, doctor visits and EMT expenses. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision – Collision insurance covers damage to your SVX resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as crashing into a ditch, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Auto liability – Liability coverage protects you from damage or injury you incur to people or other property in an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims like repair bills for other people’s vehicles, emergency aid, pain and suffering, structural damage and court costs. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hail damage, theft, damage from getting keyed and damage from flooding. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured and underinsured coverage – This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Make a quick buck

Discount 1997 Subaru SVX insurance is definitely available online and with local insurance agents, so compare prices from both in order to have the best chance of saving money. Some insurance coverage companies do not offer online quoting and most of the time these smaller companies sell through independent agents.

You just read some good ideas how you can get a better price on insurance. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. You may even discover the lowest priced insurance coverage comes from the least-expected company. These companies may have significantly lower rates on certain market segments than their larger competitors like Allstate, Geico and Progressive.

More tips and info about insurance coverage is located at these sites: