1997 Subaru SVX Insurance Quotes – 9 Policy Discounts

Looking for the cheapest insurance rates for your Subaru SVX? Are you sick and tired of scraping the payment together to pay your car insurance bill each month? You are in the same boat as the majority of other car owners.

Consumers have many insurance companies to purchase coverage from, and though it is a good thing to have a selection, too many choices makes it more difficult to find the best rates.

Auto Insurance Prices

All the larger auto insurance companies quote pricing on the web. The process is pretty easy as you simply enter the amount of coverage you want as detailed in the form. Behind the scenes, the system sends out for reports for credit and driving violations and gives you a price quote determined by many factors. This streamlines rate comparisons, but the work required to visit different websites and type in the same information is monotonous and tiresome. But it’s absolutely necessary to have as many quotes as possible if you want to find the lowest price.

A less time-consuming method to locate the lowest prices requires only one form that gets price quotes from a lot of companies. It saves time, reduces the work, and makes online shopping much easier. Immediately after submitting the form, it gets priced with multiple companies and you can pick any one of the quote results.

If a lower price is quoted, you can simply submit the application and buy the policy. It takes less than 15 minutes and you will find out if you’re overpaying now.

If you want to find out how much you’re overpaying now, click here to open in a new tab and submit the form. To compare your current rates, we recommend you copy deductibles and limits exactly as they are listed on your policy. Doing this assures you will have a price comparison based on identical coverages.

Beware of misleading auto insurance ads

Companies like Geico, State Farm and Progressive consistently run ads in print and on television. All the ads make the same claim about savings if you change your policy. How can each company make almost identical claims? It’s all in the numbers.

Different companies have a certain “appetite” for the driver that earns them a profit. A good example of a preferred risk might be between 30 and 50, a clean driving record, and drives newer vehicles. A propective insured who meets those qualifications will qualify for the lowest rates and most likely will pay quite a bit less when switching companies.

Potential customers who fall outside the requirements will be charged a higher premium which leads to the driver buying from a lower-cost company. Company advertisements say “people who switch” not “people who quote” save that kind of money. This is how insurance companies can state the savings.

That is why you need to get a wide range of price quotes. You cannot predict the company that will fit your personal profile best.

Best discounts on 1997 Subaru SVX coverage

Insurance can cost an arm and a leg, but discounts can save money and there are some available to reduce the price significantly. Certain discounts will be applied at the time of purchase, but a few must be specifically requested prior to receiving the credit.

  • Auto/Life Discount – Some companies give lower rates if you buy life insurance.
  • Good Students Pay Less – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • Organization Discounts – Affiliation with a qualifying organization could trigger savings on insurance for SVX coverage.
  • Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you may earn at least 10% off all policies.
  • No Claims – Good drivers with no accidents pay less when compared with bad drivers.
  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
  • Driver’s Ed – Require your teen driver to complete a driver education course in school.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less for SVX coverage than less cautious drivers.
  • Accident Forgiveness – A handful of insurance companies will allow you to have one accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Most cut specific coverage prices like comp or med pay. Just because it seems like you can get free auto insurance, it doesn’t quite work that way. Any amount of discount will reduce your overall premium however.

A partial list of companies that possibly offer these money-saving discounts may include but are not limited to:

Check with each company how you can save money. Savings may not be available in your state.

Tailor your coverage to you

When it comes to buying adequate coverage for your vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions can aid in determining whether you might need professional guidance.

  • How much liability insurance is required?
  • What can I do if my company won’t pay a claim?
  • Do I need motorclub coverage?
  • What if I don’t agree with a claim settlement offer?
  • How do I insure my teen driver?
  • Is my trailer covered?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does my liability insurance cover pulling a trailer or camper?
  • Can I afford to pay high deductible claims out of pocket?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Specific coverages for a Subaru SVX

Learning about specific coverages of your insurance policy can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages found on most insurance policies.

Auto liability – This coverage protects you from damage that occurs to other people or property. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability insurance covers things like loss of income, pain and suffering and court costs. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like hail damage, vandalism, damage from flooding and falling objects. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision – Collision insurance pays for damage to your SVX resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like scraping a guard rail, sideswiping another vehicle, hitting a parking meter and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as X-ray expenses, funeral costs and surgery. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Subaru SVX.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.

Get your money’s worth

Cost effective 1997 Subaru SVX insurance is attainable on the web and also from your neighborhood agents, and you need to price shop both in order to have the best price selection to choose from. A few companies may not provide online price quotes and these regional insurance providers work with independent agents.

We just covered many tips how you can reduce insurance prices online. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may even find the most savings is with a lesser-known regional company. They may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm and Allstate.

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