View 1992 Subaru SVX Insurance Quotes

Want cheaper car insurance rates for your Subaru SVX? No one in their right mind looks forward to buying car insurance, in particular when the cost is way too high. There is such a variety of car insurance companies to purchase coverage from, and even though it’s nice to have a selection, it can be more difficult to find the best rates for your vehicles.

How to Get Insurance Coverage

There are a lot of ways to compare insurance coverage quotes, but there is one way that is more efficient than others. You could spend the better part of a day talking to local insurance agents in your area, or you can stay home and use online quotes to get pricing more quickly.

Many insurance companies take part in a program where prospective buyers send in one quote, and every company returns a competitive quote. This eliminates the need for quote requests to every company. To use this form to compare 1992 Subaru SVX insurance rates click here (opens in new window).

The only downside to doing it this way is you don’t know exactly which companies to receive prices from. So if you prefer to pick specific providers to compare, we have assembled a list of insurance coverage companies in your area. View list of insurance companies.

It’s up to you which method you use, but compare exactly the same coverages for each price quote. If you are comparing different values for each quote you can’t possibly truly determine the lowest rate.

You probably qualify for some discounts

Insurance can be prohibitively expensive, but there are discounts available that you may not even be aware of. Certain discounts will be applied at the time of purchase, but a few need to be manually applied before you get the savings. If they aren’t giving you every credit available, you’re paying more than you need to.

Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
Save over 55 – Mature drivers may qualify for a small decrease in premiums for SVX insurance.
Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
Early Switch Discount – Some companies give discounts for switching policies prior to your current policy expiration. It’s a savings of about 10%.
New Vehicle Savings – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
Life Insurance Discount – Some companies give better rates if you take out auto and life insurance together.

It’s important to note that most credits do not apply to all coverage premiums. Most only cut the cost of specific coverages such as liability and collision coverage. Even though it may seem like you could get a free auto insurance policy, you won’t be that lucky. But all discounts will reduce your overall premium however.

To see a list of insurers with the best auto insurance discounts, click this link.

There’s no such thing as the perfect policy

When it comes to choosing the best insurance coverage coverage, there is no perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if your insurance needs will benefit from professional help.

Should I sign the liability waiver when renting a car?
Are rock chip repairs covered?
Will filing a claim cost me more?
Does my 1992 Subaru SVX qualify for pleasure use?
What is UM/UIM insurance?
When would I need additional glass coverage?
Can I pay claims out-of-pocket if I buy high deductibles?

If you don’t know the answers to these questions but one or more may apply to you, 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 It only takes a few minutes and can help protect your family.

The coverage is in the details

Understanding the coverages of a insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages available from insurance companies.

Comprehensive auto coverage

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, hitting a bird and damage from getting keyed. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

This will pay to fix damage to your SVX resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as rolling your car, damaging your car on a curb, colliding with another moving vehicle and backing into a parked car. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Liability car insurance

This provides protection from damage or injury you incur to people or other property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like legal defense fees, loss of income, medical expenses, medical services and repair bills for other people’s vehicles. How much coverage you buy is your choice, but consider buying as much as you can afford.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for bills for rehabilitation expenses, doctor visits, pain medications and EMT expenses. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to 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 but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.