2015 Subaru BRZ Car Insurance Rates

I can’t think of a single person who rejoices having to buy car insurance, especially when they know the cost is too high.

Companies like Geico, Progressive and Allstate continually bombard you with catchy ads and it can be hard to separate fact from fiction and effectively compare rates to find the best deal.

Compare insurance rates

Most larger insurance companies allow you to get prices from their websites. This process doesn’t take a lot of time as you simply enter the coverage amounts you desire into the form. After you submit the form their quoting system makes automated requests for your driving record and credit report and quotes a price based on many factors. Being able to quote online helps simplify price comparisons, but the time required to go to each company’s website and repetitively fill out multiple forms is monotonous and tiresome. But it’s absolutely necessary to do this if you want to get the best price possible.

Online rates the easy way

The quickest way to find better insurance pricing uses just one form to return rates from a bunch of companies at once. The form is fast, eliminates repetitive work, and makes online price comparison much more enjoyable. As soon as the form is sent, your coverage is rated with multiple companies and you can pick any one of the quotes returned. If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. The whole process takes less than 15 minutes and may result in a nice savings.

In order to find out how much you’re overpaying now, click here to open in a new tab and fill out the form. If you currently have coverage, we recommend you input the coverage information as shown on your current policy. This helps ensure you are getting a price comparison using the exact same coverages.

Find discounts to get cheap insurance rates

Insurance is easily one of your largest bills, but you can get discounts that you may not even be aware of. A few discounts will automatically apply at quote time, but lesser-known reductions have to be manually applied before they will apply.

  • Data Collection Discounts – Insureds who allow their insurance company to analyze driving patterns by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction as long as they are good drivers.
  • Multi-car Discount – Buying coverage for multiple cars or trucks with the same insurance company can get a discount on all vehicles.
  • Early Renewal Discounts – Some insurance companies give discounts for buying a policy early. You can save around 10% with this discount.
  • Driver Safety – Taking time to complete a course teaching defensive driving skills could earn you a small percentage discount if your company offers it.
  • Driver Education Discount – Require your teen driver to participate in a local driver’s education class as it can save substantially.
  • Low Miles Discount – Driving fewer miles may allow you to get discounted premium rates on garaged vehicles.
  • Air Bag Discount – Factory options such as air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Payment Discounts – By paying your policy upfront rather than paying in monthly installments you may have a lower total premium amount.
  • Distant Student Discount – Youth drivers living away from home attending college and don’t have a car may be able to be covered for less.

While discounts sound great, it’s important to understand that most credits do not apply the the whole policy. Most only cut individual premiums such as liability and collision coverage. So when it seems like it’s possible to get free car insurance, that’s just not realistic.

Companies and a summarized list of policyholder discounts are shown below.

  • State Farm has discounts for safe vehicle, good student, Steer Clear safe driver discount, multiple autos, defensive driving training, and multiple policy.
  • Geico offers discounts including air bags, multi-vehicle, anti-lock brakes, federal employee, military active duty, and anti-theft.
  • Progressive policyholders can earn discounts including homeowner, multi-policy, multi-vehicle, online signing, continuous coverage, and good student.
  • 21st Century may have discounts that include theft prevention, student driver, driver training, anti-lock brakes, and automatic seat belts.
  • American Family may offer discounts for TimeAway discount, mySafetyValet, good student, accident-free, defensive driver, bundled insurance, and early bird.
  • The Hartford includes discounts for air bag, bundle, driver training, vehicle fuel type, defensive driver, good student, and anti-theft.
  • AAA offers premium reductions for good driver, pay-in-full, AAA membership discount, multi-policy, multi-car, and good student.

Check with each insurance company which discounts they offer. A few discounts may not be available in your area. To view insurance companies that can offer you the previously mentioned discounts, follow this link.

Five things that affect your insurance prices

Lots of factors are part of the calculation when premium rates are determined. Some factors are common sense like a motor vehicle report, although others are not as apparent like your continuous coverage and annual miles driven.Part of the insurance buying process is learning the different types of things that are used to determine your premiums. If you have some idea of what positively or negatively impacts your premiums, this enables informed choices that may result in big savings.

  • Premiums can be impacted by your job – Jobs like lawyers, executives and dentists generally have the highest average rates because of intense work requirements and extremely grueling work hours. Other professions such as professors, historians and homemakers generally pay rates lower than average on BRZ insurance.
  • Safer cars means better insurance rates – Cars with high safety ratings can get you lower premiums. These vehicles result in less severe injuries and better occupant protection translates into fewer and smaller insurance claims and cheaper rates on your policy.
  • Teenagers vs. older drivers – Teenage drivers are known to be more careless when driving so insurance rates are higher. If you’ve ever had to add a youthful driver to your policy can increase premiums substantially. Older insureds tend to be more responsible, cause fewer claims and accidents , and usually have better credit.
  • Use but don’t abuse your insurance – If you frequently file small claims, you can expect higher premiums or even policy non-renewal. Companies generally give cheaper rates to policyholders who do not file claims often. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • Men drivers tend to cost more – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. However, this does not mean females are better at driving than males. Both genders cause accidents in similar numbers, but men have accidents that have higher claims. Not only that, but men also get ticketed for serious violations such as reckless driving.

Tailor your insurance coverage to you

When it comes to choosing coverage for your vehicles, there really is no one size fits all plan. Each situation is unique so this has to be addressed. These are some specific questions may help highlight if you could use an agent’s help.

  • Where can I find high-risk insurance?
  • Am I covered if I break a side mirror?
  • Where can I get insurance after a DUI in my state?
  • What is covered by UM/UIM coverage?
  • Do I have coverage when making deliveries for my home business?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What is the minimum liability in my state?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Auto insurance coverages 101

Knowing the specifics of a auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverages found on most auto insurance policies.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability coverages

This provides protection from damage that occurs to a person or their property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like funeral expenses, loss of income, emergency aid and court costs. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Comprehensive coverages

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, falling objects, hitting a bird and damage from getting keyed. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical payments

Med pay and PIP coverage reimburse you for bills for things like hospital visits, pain medications, ambulance fees and funeral costs. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the 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

Collision insurance

This pays for damage to your BRZ resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like backing into a parked car, rolling your car, hitting a parking meter, colliding with a tree and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Online plus local equals savings

As you prepare to switch companies, never skimp on critical coverages to save a buck or two. Too many times, drivers have reduced liability coverage limits only to discover later they didn’t purchase enough coverage. Your goal should be to buy a smart amount of coverage at the lowest possible cost.

Some insurance providers may not have the ability to get a quote online and many times these small insurance companies only sell coverage through independent insurance agencies. Lower-priced 2015 Subaru BRZ insurance can be sourced both online in addition to local insurance agencies, and you should compare rates from both in order to have the best price selection to choose from.

Additional auto insurance information can be found at the links below