1993 Subaru Justy Insurance Rates

Want the cheapest car insurance rates for your Subaru Justy? Have you had enough of paying out the nose each month for car insurance? You are no different than most other car owners.

Insurance companies such as Allstate and Progressive continually hit you with catchy ads and it is challenging if not impossible to see past the corporate glitz and do the work needed to find the best deal.

You should make it a habit to check car insurance prices periodically due to the fact that insurance rates are variable and change quite frequently. Even if you think you had the best rates on Justy coverage last year you may be paying too much now. Forget all the misinformation about car insurance because you’re about to learn the quickest way to properly buy coverages while reducing your premium.

If you are paying for car insurance now, you will be able to reduce your rates substantially using this information. Finding the best rates is not that difficult. Although drivers must learn the methods companies use to determine prices and apply this information to your search.

Factors that can influence insurance rates for a Subaru Justy

An important part of buying insurance is that you know some of the elements that come into play when calculating your auto insurance rates. Knowing what determines base rates enables informed choices that could result in much lower annual insurance costs.

  • Your auto insurance rates can be influenced by your job – Did you know your occupation can influence how much you pay for auto insurance? Careers like doctors, business owners and financial analysts have higher average rates because of high stress levels and lengthy work days. Conversely, occupations like scientists, engineers and performers get better rates on Justy coverage.
  • Lower deductibles cost more – Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your Subaru. A few examples of covered claims would be collision with another vehicle, vandalism, and burglary. Your deductibles are how much you are required to spend out-of-pocket before a claim is paid by your company. The more expense you have to pay, the lower your rates will be on Justy coverage.
  • Cautious drivers pay less – Good drivers get better rates than people who have multiple driving citations. Only having one ticket can increase rates twenty percent or more. Drivers who get severe violations such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
  • Being married is a good thing – Getting married actually saves money when buying auto insurance. Having a spouse is viewed as being more mature and responsible and statistics show married drivers get in fewer accidents.
  • Multi-policy discounts can save money – Many auto insurance companies will give a discount to insureds who consolidate policies with them. It’s known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even though this discount sounds good, you may still want to compare rates to confirm you are receiving the best rates possible.
  • Lower rates come with age – Older drivers are more responsible, file fewer claims and tend to be better behind the wheel. Teen drivers tend to be less responsible behind the wheel therefore auto insurance rates are much higher.
  • Your credit rating is important – Having a bad credit rating is a huge factor in determining what you pay for auto insurance. Drivers who have excellent credit tend to be better drivers and file fewer claims as compared to drivers with lower credit scores. If your credit can use some improvement, you could save money insuring your 1993 Subaru Justy by improving your rating.

Discounts mean cheaper 1993 Subaru Justy insurance rates

Insurance can cost an arm and a leg, buy you may qualify for discounts that many people don’t even know exist. Most are applied at quote time, but a few must be specially asked for prior to receiving the credit.

  • Senior Citizens – Older drivers may be able to get a discount up to 10% on Justy coverage.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • Student in College – Youth drivers living away from home attending college and don’t have a car can be insured at a reduced rate.
  • Homeowners Discount – Being a homeowner can save you money because owning a home shows financial diligence.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.

It’s important to note that some credits don’t apply to your bottom line cost. Most cut specific coverage prices like liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, auto insurance companies aren’t that generous. Any amount of discount will reduce your premiums.

To see a list of providers who offer auto insurance discounts, follow this link.

Tailor your coverage to you

When buying coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions can help discover whether or not you would benefit from an agent’s advice.

  • Am I covered when using my vehicle for business?
  • How does medical payments coverage work?
  • Where can I find DUI or SR-22 insurance?
  • When should my teen driver be added to my policy?
  • Does my policy cover my teen driver if they drive my company car?
  • Who is covered when they drive my 1993 Subaru Justy?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Where can I find high-risk insurance?
  • When can my company non-renew my policy?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Coverages available on your policy

Understanding the coverages of insurance can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are the normal coverages found on the average insurance policy.

Medical costs insurance

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

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Subaru Justy.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually these coverages do not exceed the liability coverage limits.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, a broken windshield, fire damage and falling objects. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage protection

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like scraping a guard rail, crashing into a ditch, rolling your car and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Liability insurance

Liability coverage provides protection from damage that occurs to a person or their property by causing an accident. This coverage 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 might see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like attorney fees, structural damage, pain and suffering, repair costs for stationary objects and medical services. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Shop. Compare. Save.

The cheapest 1993 Subaru Justy insurance is attainable from both online companies and also from your neighborhood agents, so compare prices from both to have the best chance of lowering rates. Some companies may not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

When trying to cut insurance costs, it’s not a good idea to buy less coverage just to save a little money. In too many instances, consumers will sacrifice uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. The aim is to buy the best coverage you can find for the lowest price, not the least amount of coverage.

Throughout this article, we presented many ideas to reduce insurance prices online. It’s most important to understand that the more rate quotes you have, the better likelihood of reducing your rate. Consumers may even find the most savings is with a company that doesn’t do a lot of advertising. These companies can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.

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