How to Get the Absolute Lowest Rates When Insuring a Subaru Justy

Consumers have options when looking for affordable Subaru Justy insurance. They can either spend hours contacting agents to compare prices or leverage the internet to get rate quotes. There is a right way and a wrong way to buy car insurance so you’re going to learn the quickest way to quote coverages for a Subaru and get the lowest price.

If you have car insurance now, you will be able to cut costs considerably using this information. The purpose of this post is to teach you the most effective way to quote insurance and some money-saving tips. Although consumers should learn the methods companies use to price insurance differently and use this information to your advantage.

Discounts can save BIG

Companies that sell car insurance do not list every discount in an easy-to-find place, so the following is a list of some of the more common and the harder-to-find car insurance savings.

• Auto/Life Discount – Some companies give better rates if you take out auto and life insurance together.
• Anti-theft Discount – Vehicles with anti-theft systems help deter theft and will save you 10% or more.
• Discount for Swiching Early – Select companies give a discount for buying a policy prior to your current policy expiring. The savings is around 10%.
• Drivers Education – Cut your cost by having your teen driver take driver’s ed class in high school.
• Seat Belts Save – Drivers who require all occupants to wear their seat belts can save up to 15% off your medical payments premium.
• Multiple Policy Discount – If you have multiple policies with the same company you will save up to 20% off your total premium.
• Club Memberships – Affiliation with a civic or occupational organization is a good way to get lower rates when buying car insurance on Justy insurance.
• Claim Free – Claim-free drivers can save substantially compared to bad drivers.
• Federal Employees – Employees or retirees of the government could cut as much as 10% off on Justy insurance with a few car insurance companies.

It’s important to note that most credits do not apply to the entire policy premium. Most only cut the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you could get a free car insurance policy, you’re out of luck.

To see a list of providers with discount car insurance rates, follow this link.

Where Can I Get Cheap Car Insurance?

There are a lot of ways to compare car insurance prices but some are easier and takes less work. You could waste a few hours driving to insurance companies in your area, or you could use the internet to get the quickest rates.

Most major companies participate in an industry program where prospective buyers enter their policy data once, and at least one company can give them a price. This saves time by eliminating form submissions to each company.

To access this free quoting program, click here (opens in new window).

The one downside to doing it this way is that consumers can’t choose which insurance companies to receive prices from. So if you want to choose individual companies to compare rates, we have a page of companies who write car insurance in your area. Click here for list of insurance companies.

Which method you use is up to you, but double check that you are using the exact same coverage information on every quote you get. If you enter mixed coverages you can’t possibly determine the best price for your Subaru Justy. Just a small difference in limits can result in a big premium difference. And when price shopping your coverage, having more price comparisons will improve the odds of getting the best price.

Online plus local equals savings

Consumers leave their current company for many reasons like poor customer service, policy non-renewal, high prices or delays in responding to claim requests. Regardless of your reason for switching companies, finding a new car insurance company is less work than it seems.

While you’re price shopping online, it’s a bad idea to buy poor coverage just to save money. There have been many cases where someone sacrificed liability coverage limits and discovered at claim time they didn’t purchase enough coverage. Your strategy should be to get the best coverage possible at the best price while still protecting your assets.

Throughout this article, we presented many tips how you can compare Subaru Justy insurance prices online. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. Drivers may discover the most savings is with a lesser-known regional company.