2016 Subaru Crosstrek Insurance Quotes – 9 Ways to Save

Searching for better insurance coverage rates for your Subaru Crosstrek? Trying to come up with a payment for pricey insurance coverage can take a big chunk out of your funds and put the squeeze on your family’s finances. Doing a price comparison is a fast and free way to reduce premiums and put more money in your pocket.

People have many car insurance companies to buy insurance from, and even though it’s nice to be able to choose, lots of choices makes it harder to compare rates.

The fastest way that we advise to get policy rate comparisons takes advantage of the fact all the major auto insurance companies participate in online systems to provide you with a free rate quote. To get started, all you need to do is give the companies some data including your education level, driver ages, if you have a valid license, and the make and model of your vehicles. Those rating factors is instantly sent to multiple companies and you receive quotes almost instantly.

If you would like to start a quote now, click here and enter your coverage details.

Cheaper rates by taking advantage of these nine discounts

Companies that sell car insurance don’t necessarily list their entire list of discounts very well, so the list below gives a summary of a few of the more well known and the harder-to-find ways to save on insurance coverage.

  • No Accidents – Claim-free drivers get the best insurance coverage rates as opposed to drivers with a long claim history.
  • Distant Student – Kids who are attending college and do not have a car can be insured at a reduced rate.
  • Driver Safety – Taking part in a safe driver course can save you 5% or more and easily recoup the cost of the course.
  • New Car Discount – Adding a new car to your policy can get you a discount because newer vehicles are generally safer.
  • Passenger Safety Discount – Options like air bags can qualify for discounts up to 30%.
  • Drive Less and Save – Driving less could qualify for slightly better insurance coveragerates than normal.
  • Driving Data Discount – Insureds that choose to allow companies to spy on driving habits remotely such as Snapshot from Progressive or Drivewise from Allstate might see lower rates as long as they are good drivers.
  • Homeowners Discount – Owning a house may trigger a policy discount on insurance coverage since home ownership is proof of financial responsibility.
  • Club Memberships – Affiliation with a civic or occupational organization is a simple method to lower premiums on insurance coverage.

As is typical with insurance, some of the credits will not apply to the entire policy premium. Most only reduce individual premiums such as liability and collision coverage. So when the math indicates you can get free auto insurance, that’s just not realistic. Any qualifying discounts will definitely reduce your policy cost.

To see a list of companies that can offer you the previously mentioned discounts, click here.

How much insurance do I need?

When it comes to buying proper insurance coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions might point out whether your personal situation would benefit from an agent’s advice.

  • What if I owe more than I can insure my car for?
  • When should my teen driver be added to my policy?
  • How much liability do I need to cover my assets?
  • Do I need special endorsements for business use of my vehicle?
  • Does my car insurance cover rental cars?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Is my state a no-fault state?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need higher collision deductibles?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Auto insurance coverage information

Learning about specific coverages of your car insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on most car insurance policies.

Auto liability insurance – Liability coverage can cover damages or injuries you inflict on other’s property or people. This insurance 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, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like funeral expenses, emergency aid and loss of income. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Medical expense insurance – Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like hospital visits, chiropractic care, doctor visits and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Subaru Crosstrek.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.

Comprehensive (Other than Collision) – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as theft, a broken windshield, fire damage, damage from flooding and vandalism. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage – Collision coverage pays for damage to your Crosstrek caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as scraping a guard rail, hitting a mailbox, colliding with a tree, backing into a parked car and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Better coverage you can count on

As you restructure your insurance plan, it’s a bad idea to buy poor coverage just to save money. In too many instances, someone sacrificed liability coverage limits only to find out they didn’t purchase enough coverage. Your strategy should be to buy a smart amount of coverage for the lowest cost but still have enough coverage for asset protection.

Lower-priced 2016 Subaru Crosstrek insurance can be purchased online in addition to many insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some insurance companies may not offer rates over the internet and many times these regional carriers sell through local independent agents.

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