View 1996 Subaru SVX Car Insurance Cost

Want cheaper insurance rates for your Subaru SVX? No one in their right mind looks forward to buying insurance, particularly when they are paying too much. There are many insurers to buy insurance from, and even though it’s nice to have a choice, it makes it harder to find the lowest cost provider.

Where Can I Get Cheap Car Insurance?

Finding cheaper 1996 Subaru SVX car insurance prices can be surprisingly simple. Just take the time comparing rates online with multiple companies. This can be done in several different ways.

  1. The easiest and least time consuming way to get quotes for comparison is a comparison rater form (click to open form in new window). This easy form eliminates the need for separate quotes for every car insurance company. One simple form will get you price quotes instantly.
  2. A more difficult way to compare rate quotes consists of visiting each individual company website to request a price quote. For sake of this example, let’s say you want comparison quotes from Progressive, GEICO and Liberty Mutual. To get rate quotes you would need to visit each site and enter your information, and that’s why the first method is more popular.

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

  3. The least efficient method of getting rate comparisons is to spend your day driving to local insurance agencies. The internet makes this process obsolete unless you want the trained guidance of a local agent. Drivers can price shop online but buy from a local insurance agent and we’ll touch on that later.

It’s up to you which method you use, but make absolute certain that you use the exact same coverage limits and deductibles with each company. If you use differing limits you can’t possibly truly determine the lowest rate.

Discounts to lower 1996 Subaru SVX insurance rates

Companies that sell car insurance do not list every available discount in an easy-to-find place, so we break down some of the more common and the harder-to-find savings tricks you should be using. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • Own a Home – Owning a home may trigger a car insurance policy discount because of the fact that having a home is proof that your finances are in order.
  • Resident Student – Youth drivers who are attending college without a vehicle on campus may be able to be covered for less.
  • Bundle and Save – When you have multiple policies with one insurance company you may earn up to 20% off your total premium.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
  • Life Insurance Discount – Larger companies have better rates if you take out life insurance.
  • Multi-car Discount – Insuring more than one vehicle with the same company qualifies for this discount.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on SVX insurance than drivers with accident claims.
  • Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
  • Clubs and Organizations – Participating in a professional or civic organization is a good way to get lower rates when shopping for car insurance on SVX insurance.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Most only reduce the cost of specific coverages such as medical payments or collision. So despite the fact that it appears it’s possible to get free car insurance, you’re out of luck.

For a list of companies with the best car insurance discounts, click here.

Tailor your coverage to you

When choosing coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s needs are different and your policy should reflect that. For example, these questions may help highlight whether or not you could use an agent’s help.

  • Does coverage extend to my business vehicle?
  • Do I need rental car coverage?
  • Should I buy additional glass protection?
  • How high should deductibles be on a 1996 Subaru SVX?
  • Why does it cost so much to insure a teen driver?
  • Is my 1996 Subaru SVX covered for smoke damage?
  • Is my ex-spouse still covered by my policy?
  • Do I really need UM/UIM coverage?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Educate yourself about insurance coverages

Understanding the coverages of your policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages available from insurance companies.

Liability

Liability coverage protects you from damage or injury you incur to other people or property. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like repair costs for stationary objects, medical services, repair bills for other people’s vehicles and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for immediate expenses like funeral costs, dental work and surgery. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, damage from a tornado or hurricane, damage from getting keyed and falling objects. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto collision coverage

This coverage pays for damage to your SVX resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as rolling your car, sustaining damage from a pot hole, sideswiping another vehicle, hitting a mailbox and backing into a parked car. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Subaru SVX.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.