Cheap 2004 Subaru Baja Car Insurance Cost

Trying to find lower insurance rates for your Subaru Baja? Did you fall for a flashy sales pitch and buy high-priced insurance? Say no more because there are many consumers feeling the pinch from expensive insurance. Due to the abundance of companies and agents to choose from, it’s difficult to choose the right insurance company.

You need to price shop coverage once or twice a year because prices change regularly. Even if you think you had the best deal on Baja insurance last year a different company probably has better rate quotes today. Ignore everything you know about insurance because I’m going to teach you how to use the internet to properly buy coverages and cut your premium.

Auto insurance quotes comparison

Getting cheaper 2004 Subaru Baja auto insurance pricing is a fairly straight forward process. Drivers just need to spend a few minutes on the computer getting comparison quotes to find out which insurance company has cheap auto insurance quotes. Shoppers can get rates in just a few minutes using one of these methods.

  1. The simplest way to compare a lot of rates at once is an all-inclusive rate comparison click here to open form in new window. This quick form prevents you from having to do multiple quote forms for each company. A single, simple form gets insurance cost estimates from multiple low-cost companies.
  2. Another way to find better pricing consists of visiting the website for each individual company to complete their respective quote request forms. For sake of this example, we’ll pretend you want to compare rates from Farmers, 21st Century and Progressive. You would have to go to every website and enter your policy data, which is why the first method is more popular.

    To view a list of companies in your area, click here.

  3. The last method to price shop rates is actually driving to and from local insurance agencies. The internet makes this process obsolete unless you’re the type of person who wants the trained guidance that only an agent can give. You can, however, find lower rates online and get advice from an agent in your area.

It doesn’t matter which method you choose, just make sure you compare apples-to-apples deductibles and coverage limits with each company. If your comparisons have unequal deductibles or liability limits it will be very difficult to make an equal comparison.

Find hidden discounts on auto insurance

Car insurance companies don’t always advertise all their discounts very clearly, so the following list contains both well-publicized and also the lesser-known discounts that you can inquire about if you buy auto insurance online. If you don’t get every credit you qualify for, you could be saving more on your auto insurance.

  • No Charge for an Accident – This one is not really a discount per se, but certain companies allow you one accident before they charge you more for coverage as long as you don’t have any claims for a specific time period.
  • Life Insurance Discount – Select companies reward you with a discounted price on car insurance if you buy some life insurance too.
  • Pay Upfront and Save – By paying your entire bill at once instead of monthly or quarterly installments you could save 5% or more.
  • Discounts for Seat Belt Usage – Forcing all vehicle occupants to buckle up could cut 10% or more on medical payment and PIP coverage.
  • Defensive Driving Course – Participating in a driver safety class could cut 5% off your bill and easily recoup the cost of the course.
  • Bundle and Save – If you have multiple policies with one company they may give you a discount of over 10 percent off each policy depending on the company.
  • Early Renewal Discounts – A few insurance companies allow discounts for renewing your policy prior to your current policy expiration. The savings is around 10%.
  • Government Employee Discount – Being employed by or retired from a federal job can earn a discount up to 10% on Baja insurance with certain companies.

While discounts sound great, it’s important to understand that some credits don’t apply the the whole policy. Most only reduce individual premiums such as comprehensive or collision. So even though you would think all the discounts add up to a free policy, companies don’t profit that way.

Larger auto insurance companies and some of the discounts are outlined below.

  • State Farm offers premium reductions for Drive Safe & Save, safe vehicle, anti-theft, multiple autos, and good driver.
  • American Family has savings for TimeAway discount, good student, bundled insurance, air bags, and multi-vehicle.
  • AAA has discounts for anti-theft, AAA membership discount, pay-in-full, good driver, and education and occupation.
  • Geico discounts include multi-vehicle, membership and employees, seat belt use, federal employee, driver training, anti-theft, and defensive driver.
  • Mercury Insurance includes discounts for multi-policy, low natural disaster claims, multi-car, location of vehicle, and good driver.
  • Farmers Insurance may include discounts for homeowner, youthful driver, pay in full, early shopping, and mature driver.
  • Progressive may have discounts that include multi-policy, homeowner, good student, online quote discount, and multi-vehicle.

Before purchasing a policy, check with every company which discounts they offer. Some discounts may not apply in your area. To locate auto insurance companies with discount auto insurance rates, click this link.

Lower the price of auto insurance with these tips

Multiple criteria are part of the equation when premium rates are determined. A few of the factors are predictable such as traffic violations, but other factors are more transparent like your vehicle usage or your vehicle rating.When buying auto insurance it’s important to understand the different types of things that go into determining your policy premiums. When consumers understand what determines base rates, this allows you to make educated decisions that may reward you with lower premium levels.

Listed below are some of the major factors that factor into premiums.

  • Annual mileage impacts premiums – The more you drive in a year’s time the higher your rates will be. Most insurance companies charge to insure your cars based upon how you use the vehicle. Autos that do not get driven very much qualify for better rates than vehicles that are driven to work every day. Improper usage on your Baja is throwing money out the window. Double check that your auto insurance coverage properly reflects annual mileage.
  • Your job is a factor – Did you know your job can affect your rates? Careers like military personnel, executives and emergency personnel generally have higher rates than average attributed to high stress and incredibly demanding work hours. On the flip side, careers such as farmers, engineers and the unemployed receive lower rates on Baja insurance.
  • What’s your car’s safety rating? – Vehicles with high crash test scores cost less to insure. The safest vehicles result in less severe injuries and reduced instances of injuries translates directly to fewer claims which can mean better rates for you. If your Subaru Baja scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
  • Protect yourself with liability insurance – Liability insurance will afford coverage if ever a court rules you are at fault for damages from an accident. Liability provides you with a defense in court which can cost a lot. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so buy as much as you can afford.
  • Save money with higher coverage deductibles – Physical damage deductibles state the amount of money the insured will be required to pay in the event of a claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some examples of claims that would be covered could be colliding with a stationary object, vandalism, and damage caused by road hazards. The more expense you’re willing to pay, the less your company will charge you for insurance on Baja insurance.
  • Guys pay more for auto insurance – Statistics show that females take fewer risks when driving. The data does not necessarily mean that males are worse at driving than females. They both are responsible for fender benders at a similar rate, but guys cause more damage. Not only are claims higher, but men receive more costly citations like driving under the influence (DUI).
  • When should you file a policy claims? – Auto insurance companies give cheaper rates to drivers who only file infrequent claims. If you frequently file small claims, you can definitely plan on much higher rates or policy non-renewal. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.

Tailor your insurance coverage to you

When buying the right insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone’s needs are different so your insurance needs to address that. These are some specific questions can help discover if your insurance needs will benefit from professional help.

  • How high should my uninsured/underinsured coverage be in my state?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my nanny covered when driving my vehicle?
  • Am I covered if I hit a deer?
  • How can I get high-risk coverage after a DUI?
  • Is a fancy paint job covered?
  • What is covered by UM/UIM coverage?
  • What is the ISO rating for a 2004 Subaru Baja?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Can you really save that much by switching?

Consumers can’t get away from all the ads for cheaper insurance coverage from companies such as State Farm, Allstate and Geico. All the ads try to convey promises that drivers will save a bundle if you just switch to them.

But how can every company save you money?

Companies quote their cheapest rates for the right customer that will most likely be profitable. A good example of a desirable risk may need to be over the age of 35, carries high limits, and has excellent credit. Any new insured that meets those criteria is entitled to the best price as well as save quite a bit of money when switching.

Drivers who don’t qualify for this stringent profile must pay a more expensive rate which translates to the customer buying from a different company. If you pay attention, the ads say “customers who switch” not “all people who quote” will save that much if they switch. That’s the way companies can advertise the savings. This really drives home the point why you really need to compare as many free auto insurance quotes as you can. Because you never know which company will have better car insurance rates than you’re paying now.

Specifics of your car insurance policy

Understanding the coverages of car insurance can help you determine the best coverages at the best deductibles and correct limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are typical coverages available from car insurance companies.

Collision coverages – Collision coverage covers damage to your Baja resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like hitting a parking meter, sideswiping another vehicle and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive protection – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like a broken windshield, fire damage, hail damage and falling objects. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like rehabilitation expenses, dental work, surgery and chiropractic care. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability – This coverage can cover damage that occurs to other people or property that is your fault. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as loss of income, repair costs for stationary objects, medical expenses, legal defense fees and structural damage. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your Subaru Baja.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Do the work, save more money

When searching for the cheapest auto insurance quotes, do not buy less coverage just to save a little money. There are a lot of situations where an insured cut comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. The goal is to buy a smart amount of coverage for the lowest cost but still have enough coverage for asset protection.

We just presented many tips how you can reduce 2004 Subaru Baja insurance car insurance rates online. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the best price on auto insurance is with a lesser-known regional company. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.

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