Locating better insurance prices for a Subaru XT can normally be a lot of work, but you can learn these tips to save time. There are both good and bad ways to buy auto insurance so you’re going to learn the quickest way to get price quotes for a Subaru and obtain the best price possible either online or from local insurance agents.
Vehicle Insurance Comparison
All major auto insurance companies like Allstate and Progressive quote prices for coverage directly from their websites. Getting quotes is quite simple as you simply type in the amount of coverage you want into a form. When the form is submitted, their rating system orders reports for credit and driving violations and returns a price.
Quoting online simplifies rate comparisons, but the work required to visit many different websites and type in the same information can get tiresome after awhile. But it is imperative to compare as many rates as possible if you want to find a better rate.
Quote rates the easy way
The preferred way to compare auto insurance pricing uses one form to get prices from many companies. The form is fast, helps eliminate reptitive entry, and makes price shopping online a lot less work. After your information is entered, it is quoted and you are able to buy any or none of the price quotes you receive. If a lower price is quoted, you simply finish the application and buy the policy. This process can be completed in a matter of minutes and you will know how your current rates stack up.
To compare rates using this form now, click here to open in new window and begin entering your coverage information. If you have a policy now, it’s recommended you type in coverages and limits just like they are on your policy. Doing this guarantees you’re receiving rate quotes based on the exact same insurance coverage.
You probably qualify for some discounts
Companies that sell car insurance don’t always advertise all their discounts very well, so we took the time to find both well-publicized and the harder-to-find ways to save on auto insurance.
- Homeowners Discount – Owning a house can save you money due to the fact that maintaining a home demonstrates responsibility.
- Defensive Driver – Successfully completing a driver safety course could cut 5% off your bill if you qualify.
- Discount for Swiching Early – Some companies give discounts for signing up prior to your current policy expiration. The savings is around 10%.
- Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
- College Student – Any of your kids living away from home attending college and don’t have a car may qualify for this discount.
- Multi-car Discount – Insuring more than one vehicle with the same company can get a discount on all vehicles.
- Discount for Life Insurance – Larger companies have lower rates if you buy a life insurance policy as well.
- Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
- No Charge for an Accident – A few companies allow you one accident before your rates go up if your claims history is clear prior to the accident.
- Seat Belt Usage – Drivers who require all occupants to use their safety belts could save 15% off your medical payments premium.
As a disclaimer on discounts, some credits don’t apply to your bottom line cost. Most only cut individual premiums such as liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, companies wouldn’t make money that way.
To see a list of companies with discount auto insurance rates, click this link.
There’s no such thing as the perfect policy
When buying the right insurance coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.
For instance, these questions may help you determine if you may require specific advice.
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Does my Subaru XT qualify for pleasure use?
- Am I covered when driving in Canada or Mexico?
- I have good health insurance, so how much medical payments coverage do I need?
- What can I do if my company denied a claim?
- Is my Subaru XT covered for smoke damage?
If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form.
