Cheap 2013 Subaru BRZ Insurance Rates

Looking for cheaper insurance rates for your Subaru BRZ? I doubt anyone looks forward to paying for insurance, especially when they are aware that they could get a better deal.

Popular companies such as Allstate and Progressive all claim big savings with ad campaigns and it is difficult to see through the deception and take the time to shop coverage around.

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. Buying car insurance is not rocket science. Nevertheless, drivers do need to learn how the larger insurance companies sell insurance online and apply this information to your search.

The best way we recommend to compare policy rates is to know the trick most insurance companies actually pay money for the chance to quote your coverage. All consumers are required to do is provide a little information like if your license is active, what you do for a living, whether you are married, and whether you drive to work or school. Your information is then submitted to insurance carriers in your area and you will receive price estimates very quickly.

But they said I’d save $416 a year!

Big name companies like Progressive, Geico, Allstate and State Farm regularly use ads on television and other media. They all convey the message of big savings if you get a free insurance coverage quote and switch your policy. How does every insurance coverage company save you money? Just pay attention to how they say it.

Insurance companies have an ideal profile for the type of driver that will most likely be profitable. A good example of this type of insured might be described as over the age of 35, carries full coverage, and has a high credit rating. Any person who meets those qualifications will get a cheap rate quote and is almost guaranteed to cut their rates if they switch.

Drivers who fall outside this stringent profile will probably be forced to pay a more expensive rate and the customer not purchasing. If you listen closely, the ads state “customers that switch” but not “everyone who gets a quote” can save as much as they claim. That is how insurance companies can confidently lure you into getting a quote.

This really drives home the point why it is so important to compare as many free insurance coverage quotes as you can. It’s impossible to know which insurance companies will have the best car insurance rates for your profile.

Five tips to get cheaper insurance costs

The best way to find cheaper auto insurance is to take a look at some of the elements that help determine auto insurance rates. When consumers understand what impacts premium levels, this allows you to make good choices that may result in lower premium levels.

The itemized list below are most of the major factors companies use to determine rates.

  • How much liability – Your policy’s liability coverage will provide protection if you are determined to be liable for physical damage or personal injury to other. Your liability coverage provides for a legal defense which can cost a lot. It is affordable coverage compared to comp and collision, so drivers should carry high limits.
  • Better rates for no policy lapses – Not having insurance is not a good idea and you may have a hard time finding new coverage because you let your coverage have a gap. And not only will insurance be more expensive, not being able to provide proof of insurance might get you a fine, jail time, or a revoked license.
  • Vehicle theft costs us all – Owning a car that has a built-in theft deterrent system can get you a discount on your auto insurance. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
  • Cars with good safety ratings save money – Vehicles that have high safety ratings tend to be cheaper to insure. Highly rated vehicles result in less severe injuries and reduced instances of injuries translates into savings for insurance companies and thus lower rates.
  • Credit history impacts premium rates – Having a bad credit rating factor in calculating your premium rate. Drivers who have excellent credit tend to be more responsible than drivers with worse credit. Therefore, if your credit score leaves room for improvement, you could be paying less to insure your 2013 Subaru BRZ by improving your rating.

More affordable rates with these car insurance discounts

Companies offering auto insurance do not advertise all their discounts very clearly, so the following is a list of some of the more common and also the lesser-known discounts that may be available. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Early Renewal Discounts – Some car insurance companies reward drivers for buying a new policy early. You can save around 10% with this discount.
  • Senior Discount – Drivers over the age of 55 can get a discount up to 10% on BRZ coverage.
  • Passive Restraints and Air Bags – Options like air bags or automatic seat belts can receive discounts up to 30%.
  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn better premium rates if you take out some life insurance in addition to your auto policy.
  • Discounts for Good Drivers – Insureds who avoid accidents can save as much as half off their rates on BRZ coverage compared to accident prone drivers.

One last thing about discounts, most discounts do not apply to the overall cost of the policy. Some only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

Popular car insurance companies and some of their more popular discounts can be read below.

  • Geico may have discounts that include multi-vehicle, membership and employees, air bags, federal employee, multi-policy, driver training, and emergency military deployment.
  • USAA has savings for annual mileage, driver training, military installation, loyalty savings, vehicle storage, and multi-policy.
  • Progressive includes discounts for online quote discount, multi-vehicle, homeowner, good student, and multi-policy.
  • American Family offers discounts for Steer into Savings, defensive driver, mySafetyValet, bundled insurance, and accident-free.
  • Esurance may offer discounts for Switch & Save, anti-lock brakes, renters, paid-in-full, and claim free.
  • Farmers Insurance may include discounts for homeowner, multi-car, electronic funds transfer, good student, and alternative fuel.
  • State Farm has discounts for safe vehicle, passive restraint, driver’s education, Steer Clear safe driver discount, student away at school, Drive Safe & Save, and anti-theft.

Before you buy a policy, ask all the companies the best way to save money. Some of the earlier mentioned discounts may not apply in your area. To choose car insurance companies who offer free car insurance quotes, click this link.

Auto insurance can get complicated

When it comes to buying adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Each situation is unique so your insurance needs to address that. For example, these questions might point out whether your personal situation might need an agent’s assistance.

  • Is my 2013 Subaru BRZ covered for smoke damage?
  • Will my insurance pay for OEM parts?
  • Do I have any recourse if my insurance company denies a claim?
  • Is a new car covered when I drive it off the dealer lot?
  • Can my babysitter drive my car?
  • Does coverage extend to my business vehicle?
  • Are split liability limits better than a combined single limit?
  • Can I afford low physical damage deductibles?
  • How high should my medical payments coverage be?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Specific coverages for a 2013 Subaru BRZ

Knowing the specifics of your auto insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages available from auto insurance companies.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, damage from flooding and theft. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM Coverage

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your 2013 Subaru BRZ.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto collision coverage

Collision coverage covers damage to your BRZ from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like damaging your car on a curb, sideswiping another vehicle and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Auto liability insurance

Liability coverage can cover damages or injuries you inflict on people or other property in an accident. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims like bail bonds, legal defense fees, attorney fees, loss of income and medical services. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for expenses for chiropractic care, pain medications and prosthetic devices. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Smart consumers save more

Lower-priced insurance can be bought on the web and from local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who do not provide internet price quotes and usually these regional insurance providers sell through independent agencies.

When trying to cut insurance costs, it’s very important that you do not buy poor coverage just to save money. There have been many cases where someone sacrificed uninsured motorist or liability limits to discover at claim time they didn’t purchase enough coverage. Your strategy should be to purchase plenty of coverage at the best cost, but don’t skip important coverages to save money.

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