Step-by-step Guide to Cheaper Subaru Justy Insurance
If shopping for auto insurance was more enjoyable, it would get done more often. But most likely we pay more than we want to and don't really enjoy the buying process. Finding insurance for your Subaru Justy that you can actually afford is probably no different.
Step One: Compare Rates
Up until about ten years ago, the only way to shop for car insurance was in the office of a local insurance agent where you'd get a hard sell into a policy. Not anymore!
Comparing insurance rates for a Subaru Justy only require you to enter your information once. You'll receive multiple quotes and can easily compare rates.
To start saving, have your current policy handy and click the link below. Our short form makes it easy to enter your information and compare rates.
Insurance Quoting Tip! The only way to accurately compare rates bewteen different companies for your Justy is to use identical coverage limits on all the quotes. If you use different liability limits and/or deductibles, you won't have an apples-to-apples rate comparison.
Step Two: How to Lower your Justy Insurance Premium
Now that you have several rates to compare (since you did compare rates above, right?), we will now show you some additional ways you can lower your Justy insurance rates.
- How is your credit rating? The better credit you have, the less insurance will cost for your Justy. If you have bad credit, work on improving your credit score and repair past credit problems.
- If you're willing to shoulder more of the cost at claim time, consider raising your comprehensive and collision deductibles. This can easily cut 30% or more from your policy premium.
- If you can afford to pay for small claims like a broken windshield out of pocket, it will keep small claims off your record and give you a claim-free discount.
- Insurance companies often give discounts to senior citizens and professional organizations, so if you're one of those, check to see if you qualify.
- One of the easiest ways to keep your rates down is to drive safe. One speeding ticket can boost your rates for three years.
- Successfully completing a driver's training class can help lower your rates if your insurance company offers that discount.
- Do not allow your current car insurance coverage to lapse or expire. Insurance companies have a simple way to find out when your last policy ended (called a CLUE report), and if you went without coverage for any length of time you may pay more for coverage.
- Safety features such as antilock brakes, traction control and air bag systems all help reduce the cost of car insurance by keeping the passengers safer.
- Auto theft is a big problem that costs us all money, but if your car is on the list of the most frequently stolen autos, you might be paying a little extra because of the temptation to thieves.
- If your insurance company allows driver-specific car rating, you can save money by rating any teenage drivers on low profile vehicles with either no physical damage coverage or very high deductibles.
- Being a homeowner can often get you a little discount on your auto insurance. Insuring you home with the same company as your autos can often get you even deeper discounts.
Step Three: Bind Coverage and Cancel your Old Policy
Choosing a new car insurance company is not easy. But hopefully you have a handful of quotes for your Justy that will give you a good idea of how much it will cost, as well as some idea of any coverage changes you may want to make.
If you didn't have a prior policy, then you can make the new policy effective any time. But if you're moving bewteen companies and don't want a lapse in coverage, make sure the effective date of the new policy is exactly the same as the cancellation date of the old policy.
If you are adding a vehicle to an existing policy and not buying a new one, just make sure to get the vehicle added as soon as possible. Every insurance company offers a grace period to add new vehicles, so make sure you get the Subaru added prior to the expiration of this grace period. When driving off the lot, you may have coverage that extends from your current policy. But it will only be equal to the most coverage you have on any vehicle. So if you only carry liability coverage, you won't be covered for full coverage until you specify it on your policy.
All states require you to keep the proof-of-insurance or financial responsibility card in your vehicle at all times. Failure to produce this document can result in a citation. High risk drivers may be required to submit an SR-22 with their state DMV's. If you have been convicted of reckless driving, DUI or had an uninsured accident, you may qualify. Make sure your new policy reflects the need for the SR-22 filing.
More Resources for Insurance Buying
For more detailed car insurance topics, visit the Insurance Information Institute.
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