2015 Subaru WRX Insurance Rates

Searching for better insurance rates for your Subaru WRX? Locating budget insurance on the internet might appear somewhat difficult for consumers new to price shopping on the web. Because there are so many companies, how are we expected to even start to compare every possible option in order to find the cheapest available price?

If you have car insurance now, you will be able to save some money using these techniques. Buying the best insurance coverage is easy if you know what you’re doing. But car owners must learn how the larger insurance companies price online insurance because it can help you find the best coverage.

Cheap car insurance quotes online

Most of the larger companies make it easy to get price estimates on the web. Doing online price comparisons is pretty easy as all you need to do is type in your personal and coverage information as detailed in the form. Once entered, the company’s rating system sends out for your driving record and credit report and returns pricing information determined by many factors.

Online price estimates makes it easy to compare insurance prices but the time it takes to visit many different websites and type in your information is monotonous and tiresome. But it is imperative to perform this step if you want to get the lowest price.

There is an easier way to compare rates

The easiest way to find lower prices requires only one form to return rates from several different companies. The form is fast, requires less work, and makes online quotes much easier. After sending the form, it gets priced and you can select any or none of the returned quotes.

If the quotes result in lower rates, you can simply submit the application and purchase the new policy. It just takes a couple of minutes and can result in significant savings.

To quickly find out what other companies charge, click here and enter your vehicle and coverage information. If you have a policy now, it’s recommended you complete the form with your coverages exactly as shown on your declarations page. Doing this guarantees you will have a price comparison for exact coverage.

Insurance Discounts

Some companies don’t list the entire discount list very well, so the following list contains both the well known and the harder-to-find discounts that you may qualify for. If you check and find you aren’t receiving every discount you deserve, you are not getting the best rate possible.

  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • Safe Driver Discounts – Safe drivers may receive a discount up to 45% on WRX insurance compared to rates paid by drivers with frequent claims.
  • Early Payment Discounts – By paying your entire bill at once rather than paying monthly you can avoid monthly service charges.
  • Good Student Discount – Excelling in school may save you up to 25%. This discount can apply up until you turn 25.
  • Membership in Organizations – Affiliation with certain professional organizations is a good way to get lower rates on your next insurance statement.
  • Waiver for an Accident – Not a discount per se, but a few companies such as Geico, State Farm, and Progressive allow you one accident before your rates go up with the catch being you have to be claim-free for a set time period.
  • Claim-Free Discount – Insureds with no claims or accidents have much lower rates compared to drivers who are more careless.

As a footnote on discounts, most discounts do not apply to the entire cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky.

Popular insurance companies and a selection of discounts can be read below.

  • Farmers Insurance offers premium reductions for homeowner, youthful driver, teen driver, business and professional, and good student.
  • State Farm has savings for student away at school, anti-theft, Steer Clear safe driver discount, safe vehicle, and passive restraint.
  • Liberty Mutual may include discounts for newly retired, good student, safety features, multi-policy, new graduate, and multi-car.
  • MetLife offers discounts including good driver, claim-free, defensive driver, accident-free, multi-policy, good student
  • Progressive has discounts for homeowner, multi-vehicle, good student, multi-policy, and online signing.

When getting free auto insurance quotes, it’s a good idea to each insurance company which discounts you may be entitled to. Some credits may not apply to policyholders in your area. If you would like to see a list of companies with discount insurance rates, click here.

Tailor your car insurance coverage to you

When buying proper insurance coverage, there really is no cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that might help in determining whether you could use an agent’s help.

  • How many claims can I have before being cancelled?
  • Do I need replacement cost coverage?
  • What is UM/UIM insurance?
  • Do I need medical payments coverage since I have good health insurance?
  • Is my cargo covered for damage or theft?
  • Does my personal policy cover me when driving out-of-state?
  • Should I get collision insurance on every vehicle?
  • Do I need rental car coverage?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form.

Find more affordable auto insurance with these tips

A large part of saving on auto insurance is knowing the factors that aid in calculating the level of your policy premiums. If you have some idea of what influences your rates, this empowers consumers to make smart changes that may result in lower rates.

  • Liability protection – The liability section of your policy is the protection in the event that you are found liable for causing damage or personal injury in an accident. Liability provides legal defense up to the limits shown on your policy. Liability is cheap compared to other policy coverages, so drivers should carry high limits.
  • See if your company offers a multi-policy discount – Lots of companies provide lower prices to customers that buy multiple policies such as combining an auto and homeowners policy. Even if you already get this discount, consumers should still compare other company rates to guarantee you are still saving the most. You may still find lower rates by insuring with multiple companies.
  • Do you need those add-on coverages? – There are many additional extra coverages that can waste your money on your auto insurance policy. Insurance for things like rental car reimbursement, accident forgiveness, and Farm Bureau memberships could be just wasting money. These coverages may sound good when you first buy your policy, but if you have no use for them remove them and pocket the money.
  • Safer vehicles cost less to insure – Vehicles with high crash test scores tend to have lower insurance rates. Vehicles engineered for safety protect occupants better and reduced instances of injuries translates directly to fewer claims and thus lower rates.
  • File policy claims and pay more – If you are the type of insured that files lots of claims you should expect either policy cancellation or increased premiums. Auto insurance companies give lower rates to people who do not file claims often. Your car insurance is designed for larger claims.
  • Lower rates for married couples – Your spouse helps lower the price on your auto insurance policy. Marriage may mean you are more responsible and it’s proven that married couples file fewer claims.

Car insurance coverage information

Learning about specific coverages of auto insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Liability car insurance

This will cover injuries or damage you cause to other people or property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability can pay for things such as legal defense fees, emergency aid and structural damage. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as pain medications, rehabilitation expenses and surgery. They are often utilized in addition to your health insurance program or if you do not have health coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, theft and damage from getting keyed. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2015 Subaru WRX.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like rolling your car, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

More choices the merrier

As you prepare to switch companies, it’s not a good idea to buy poor coverage just to save money. There have been many situations where someone dropped collision coverage and found out when filing a claim that the small savings ended up costing them much more. The aim is to find the BEST coverage at a price you can afford.

Lower-priced 2015 Subaru WRX insurance can be bought online in addition to many insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies do not provide online quoting and usually these small, regional companies sell through independent agents.

Insureds leave their current company for a variety of reasons including delays in responding to claim requests, policy non-renewal, high prices and unfair underwriting practices. It doesn’t matter why you want to switch switching companies is pretty easy and you might even save some money in the process.

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