No sane person looks forward to buying car insurance, particularly when the cost is way too high. Numerous insurers battle for your insurance dollar, so it can be very hard to choose a provider and get the best coverage at the lowest price
It’s a great practice to take a look at other company’s rates at least once a year since prices tend to go up over time. Despite the fact that you may have had the best rate on SVX coverage two years ago you can probably find a better premium rate now. Block out anything you think you know about car insurance because you’re going to get a crash course in the easiest way to lower your annual insurance bill.
Comparing car insurance rates can take hours if you don’t know the most efficient way. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you could save time and use the internet to get pricing more quickly.
Many of the larger companies participate in an industry program that enables customers to send in one quote, and each company returns a competitive quote determined by their information. This eliminates the need for quote forms for each company you want a rate for.
To compare rates now click here to open in new window.
The one downside to doing it this way is you don’t know exactly which insurance companies you will receive quotes from. So if you prefer to pick specific providers to compare, we have assembled a list of the cheapest car insurance companies in your area. Click here to view list.
It’s your choice how you get your quotes, but ensure you are comparing nearly identical coverages and limits on every quote you get. If you compare higher or lower deductibles it’s not possible to determine which rate is truly the best.
Situations that may require an agent’s advice
When it comes to choosing adequate coverage for your personal vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions can help discover whether your personal situation may require specific advice.
- When should I remove comp and collision on my Subaru SVX?
- Does my insurance cover a custom paint job?
- Is borrowed equipment or tools covered if stolen or damaged?
- Am I getting all the discounts available?
- Am I covered when pulling a rental trailer?
- Does my Subaru SVX need full coverage?
- What companies insure drivers after a DUI or DWI?
- Will I be non-renewed for getting a DUI or other conviction?
- Is there coverage for injuries to my pets?
- Is my Subaru SVX covered for smoke damage?
If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.
Learn about car insurance coverages for a Subaru SVX
Understanding the coverages of a car insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average car insurance policy.
Collision coverage
Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.
Collision coverage protects against claims such as sustaining damage from a pot hole, colliding with a tree and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.
Liability coverages
This coverage protects you from damage that occurs to a person or their property that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage pays for things like funeral expenses, medical expenses and attorney fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.
Coverage for uninsured or underinsured drivers
This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Subaru SVX.
Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.
Comprehensive car insurance
Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as rock chips in glass, a tree branch falling on your vehicle and damage from flooding. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.
Coverage for medical expenses
Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like funeral costs, EMT expenses and chiropractic care. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
