Cheap 2014 Subaru XV Crosstrek Insurance Rates

If you are new to online price comparisons, by this point your are probably baffled by the crazy number of local and online companies who claim to have the best insurance rates.

It is always a good idea to shop coverage around quite often because prices tend to go up over time. Just because you had the best deal on XV Crosstrek insurance on your last policy you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about insurance on the web, but by reading this article, you’re going to learn some of the best techniques to quit paying high insurance rates.

If you have car insurance now, you should be able to save some money using these tips. Locating the best protection is not that difficult. Although drivers must learn how companies price insurance differently and use this information to your advantage.

Lower rate quotes with discounts

Car insurance is expensive, but there could be significant discounts that you may not even be aware of. Most are applied when you quote, but some need to be inquired about before they will apply. If you do not check that you are getting every discount possible, you could be getting lower rates.

  • Distant Student – Any of your kids who attend college more than 100 miles from home and won’t have access to an insured vehicle may be insured at a cheaper rate.
  • Good Grades Discount – Excelling in school can be rewarded with saving of up to 25%. You can use this discount normally up to age 25.
  • Government Employees – Active or retired federal employment may qualify for a discount when you quote auto insurance on XV Crosstrek insurance but check with your company.
  • Anti-theft System – Vehicles that have factory anti-theft systems help deter theft so companies will give you a small discount.
  • Claim Free – Drivers who don’t have accidents pay much less in comparison with policyholders that have many claims.
  • Discount for New Cars – Insuring a vehicle that is new can get you a discount due to better safety requirements for newer models.
  • Telematics Discount – Drivers that enable driving data collection to track where and when they drive through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if they are good drivers.
  • Discount for Life Insurance – Some companies give better car insurancerates if you take out a life insurance policy as well.

As a sidenote, many deductions do not apply the the whole policy. Some only apply to individual premiums such as collision or personal injury protection. So when it seems like it’s possible to get free car insurance, you won’t be that lucky.

Larger car insurance companies and a selection of discounts are outlined below.

  • Progressive has savings for multi-vehicle, multi-policy, online quote discount, continuous coverage, homeowner, good student, and online signing.
  • The Hartford may include discounts for defensive driver, air bag, good student, bundle, and anti-theft.
  • Mercury Insurance offers premium reductions for professional/association, multi-car, low natural disaster claims, accident-free, and good student.
  • Geico may have discounts that include military active duty, seat belt use, emergency military deployment, federal employee, anti-lock brakes, membership and employees, and defensive driver.
  • AAA may offer discounts for multi-car, good student, multi-policy, education and occupation, and good driver.
  • State Farm has discounts for anti-theft, driver’s education, student away at school, Steer Clear safe driver discount, defensive driving training, and safe vehicle.

Check with all companies you are considering which discounts you qualify for. Some discounts listed above might not be offered in every state. To see a list of providers with the best discounts, follow this link.

Subaru XV Crosstrek insurance costs can be reduced

Smart consumers have a good feel for a few of the rating criteria that play a part in calculating your premiums. If you understand what influences your rates, this enables you to make decisions that could help you find cheaper rates.

The following are just a few of the factors companies use to determine your rates.

  • Do thieves like your car? – Choosing to buy a car with a theft deterrent system can help lower your rates. Theft prevention features such as OnStar, LoJack tracking, and tamper alarms all help stop auto theft and help lower rates.
  • Is you occupation costing you more? – Did you know that where you work can have an impact on rates? Occupational choices like doctorsair traffic controllers and dentists tend to have higher rates than the rest of us in part from high stress levels and lots of time spent away from family. Other careers such as actors, engineers and homemakers generally pay rates lower than average on XV Crosstrek insurance.
  • Big cities have higher prices – Choosing to live in less populated areas of the country has it’s advantages when insuring your vehicles. Fewer drivers and short commutes means fewer accidents in addition to fewer liability claims. Drivers who live in large cities have traffic congestion and longer commute times. More time commuting translates into higher accident risk.
  • Bundle policies to earn discounts – Most insurers will give a discount to customers who buy several policies from them in the form of a multi-policy discount. The discount can add up to 10 percent or more. Even with this discount applied, it’s in your best interest to compare other insurance prices to guarantee you are still saving the most.
  • Safer vehicles means cheaper premiums – Cars with high safety ratings get lower rates. These vehicles reduce injuries and lower injury rates translates into savings for insurance companies and lower rates for you.
  • Do you really need to file that insurance claims? – Car insurance companies give discounts to policyholders that do not abuse their auto insurance. If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
  • Driving citations hurt – Even a single ticket can increase the cost of insurance to the point where it’s not affordable. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers unfortunate enough to have flagrant violations like reckless driving, hit and run or driving under the influence may be required to complete a SR-22 with their state in order to prevent their license from being revoked.
  • Responsible credit scores equal low prices – Your credit rating can be a huge factor in determining premium rates. So if your credit score can be improved, you could potentially save money when insuring your 2014 Subaru XV Crosstrek by improving your rating. People with excellent credit scores tend to file fewer claims than drivers with poor credit scores.

What is the best insurance coverage coverage?

When choosing adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique.

For example, these questions can help discover whether your personal situation will benefit from professional help.

  • Do I need PIP coverage since I have good health insurance?
  • What discounts do I qualify for?
  • Do I need an umbrella policy?
  • Is my teen driver covered when they drive my company car?
  • Is upholstery damage covered by car insurance?
  • Can I afford low physical damage deductibles?
  • What can I do if my company denied a claim?
  • Who is covered by my policy?
  • How can I get my company to pay me more for my totalled car?
  • What happens if I owe more than my 2014 Subaru XV Crosstrek is worth?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form.

Why you might not save $494 a year

Popular insurance coverage providers such as Progressive, Geico, Allstate and State Farm consistently run ads in print and on television. All the ads advertise claims about how much you will save if you just switch to their company. How does every insurance coverage company charge you less for car insurance? You have to listen carefully.

Companies quote their cheapest rates for a prospective insured that makes them money. A good example of a profitable risk profile could be a mature driver, owns a home, and has great credit. Any driver that hits that “sweet spot” will probably get the lowest prices and therefore will save if they switch.

Potential customers who cannot meet this ideal profile will probably have to pay higher rates with the end result being the customer buying from someone else. The ad wording is “customers who switch” not “all people who quote” can save as much as they claim. This is how insurance companies can make claims that they all have the best premium rates. That is why you really need to do a rate comparison at every renewal. Because you never know which insurance coverage company will have the lowest rate quotes.

Insurance coverage considerations

Knowing the specifics of a insurance policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for immediate expenses for things like prosthetic devices, ambulance fees, dental work, rehabilitation expenses and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Liability insurance – Liability coverage will cover damage that occurs to people or other property in an accident. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as legal defense fees, attorney fees, repair costs for stationary objects and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision – This coverage will pay to fix damage to your XV Crosstrek resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sideswiping another vehicle, colliding with another moving vehicle, damaging your car on a curb and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – This gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Subaru XV Crosstrek.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, damage from flooding, hitting a bird, theft and damage from a tornado or hurricane. The highest amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

More quotes mean more savings

People who switch companies do it for any number of reasons including policy cancellation, delays in responding to claim requests, lack of trust in their agent and questionable increases in premium. Whatever your reason, choosing a new insurance company is easier than you think.

We covered a lot of ways to shop for 2014 Subaru XV Crosstrek insurance online. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting cheap auto insurance. You may be surprised to find that the biggest savings come from a company that doesn’t do a lot of advertising.

When searching for low cost auto insurance quotes, never skimp on coverage in order to save money. There have been many cases where someone sacrificed comprehensive coverage or liability limits only to regret that the savings was not a smart move. The goal is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Additional detailed information is located in the articles below: