Cheap 2018 Subaru Crosstrek Insurance Rates

Searching for better auto insurance rates for your Subaru Crosstrek? Paying for pricey Subaru Crosstrek insurance can draw down your savings account and maybe even restrict other spending. Getting a rate comparison can lower your rates and help to tighten up your finances.

Online insurance companies like State Farm, Geico and Farmers Insurance all promote huge savings with advertising and it is challenging if not impossible to see through the cute green geckos and mayhem and take the time to shop coverage around.

How much does insurance coverage cost?

There are a lot of ways to compare insurance coverage prices but some are easier and takes less work. You could spend your day talking to local insurance agents in your area, or you can utilize the internet to get the quickest rates.

Most of the best insurance companies participate in a marketplace where prospective buyers send in one quote, and every company then gives them pricing based on that data. This saves time by eliminating quote forms to each individual insurance coverage company. To find out how much you’re overpaying now click here (opens in new window).

One minor caviat to comparing rates this way is that consumers can’t choose which companies to get quotes from. So if you want to select specific providers to compare, we have assembled a list of companies who write insurance coverage in your area. View list of insurance companies.

The approach you take is up to you, just ensure you’re using the same coverage data for every company. If you are comparing differing limits it’s impossible to determine which rate is truly the best. Just slight variations in insurance coverages or limits may cause a big price difference. And when price shopping your coverage, comparing more company’s prices helps locate the best offered rates.

The Subaru Crosstrek insurance rate equation

Many factors are considered when quoting car insurance. Some of the criteria are obvious such as traffic violations, but other factors are less apparent such as your marital status or how safe your car is.

  • Do thieves like your car? – Buying a car with anti-theft technology or alarm system can save you a little every year. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent your vehicle from being stolen.
  • Physical damage deductibles – Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your Subaru from damage. Some examples of claims that would be covered are a dented fender, flood damage, and windstorm damage. The deductibles you choose define how much you are required to spend if you file a covered claim. The larger the amount you’re willing to pay, the better rate you will receive on Crosstrek insurance.
  • Low stress employer equals lower prices – Do you have a high-stress occupation? Jobs such as military personnel, executives and emergency personnel tend to have higher rates than the rest of us attributed to intense work requirements and extremely grueling work hours. Other professions such as actors, students and the unemployed generally pay rates lower than average on Crosstrek insurance.
  • Safer cars are cheaper to insure – Safe vehicles tend to have lower insurance rates. Safe vehicles protect occupants better and any reduction in injury severity translates directly to fewer claims and lower rates for you.
  • Where you live – Living in a small town is a positive aspect if you are looking for the lowest rates. City drivers have traffic congestion and a longer drive to work. Fewer people means reduced accidents as well as less vandalism and auto theft.

Find discounts to get cheap insurance coverage rates

Not many people think insurance is cheap, but there are discounts available to reduce the price significantly. Larger premium reductions will be automatically applied at quote time, but occassionally some discounts must be inquired about in order for you to get them.

  • Save with More Vehicles Insured – Having more than one vehicle on the same insurance coverage policy can get a discount on all vehicles.
  • First Accident Forgiveness – This one is not really a discount per se, but some insurance companies may permit one accident without the usual rate increase so long as you are claim-free prior to being involved in the accident.
  • Drivers Education – It’s a good idea to have your young drivers participate in a local driver’s education class if offered at their school.
  • New Vehicle Savings – Buying coverage on a new vehicle may earn a small discount since new model year vehicles have better safety ratings.
  • Multiple Policy Discount – If you can bundle your homeowners and auto insurance and place coverage with the same company you could get a discount of nearly 15% which can help you find cheaper auto insurance.

Don’t be surprised that most of the big mark downs will not be given to your bottom line cost. Most only apply to the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business. But any discount will reduce your policy cost.

A list of companies and some of the premium reductions they offer are outlined below.

  • State Farm offers premium reductions for student away at school, defensive driving training, multiple autos, accident-free, safe vehicle, driver’s education, and good driver.
  • American Family may have discounts that include air bags, multi-vehicle, TimeAway discount, early bird, good student, Steer into Savings, and mySafetyValet.
  • AAA may include discounts for anti-theft, good student, multi-car, multi-policy, education and occupation, and AAA membership discount.
  • Geico may offer discounts for anti-theft, federal employee, seat belt use, five-year accident-free, membership and employees, and multi-policy.
  • Mercury Insurance discounts include multi-car, good driver, ease of repair, type of vehicle, annual mileage, and location of vehicle.
  • Farmers Insurance has savings for bundle discounts, homeowner, electronic funds transfer, alternative fuel, and teen driver.
  • Progressive includes discounts for continuous coverage, multi-vehicle, homeowner, good student, online signing, and multi-policy.

If you need cheap auto insurance quotes, ask every insurance company which discounts you qualify for. Some credits might not be available to policyholders in your area.

Tailor your car insurance coverage to you

When it comes to choosing adequate coverage, there really is no perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if your situation might need professional guidance.

  • Can I get a multi-policy discount?
  • Who is covered by my policy?
  • Is other people’s property covered if stolen from my vehicle?
  • How can I force my company to pay a claim?
  • Is my trailer covered?
  • Are my friends covered when driving my 2018 Subaru Crosstrek?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Are split liability limits better than a combined single limit?
  • How much underlying liability do I need for an umbrella policy?
  • Does liability extend to a camper or trailer?

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

Auto insurance coverages 101

Understanding the coverages of auto insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages found on the average auto insurance policy.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like funeral costs, rehabilitation expenses and prosthetic devices. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Coverage for liability

Liability coverage will cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

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 limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like legal defense fees, emergency aid, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Collision coverage protection

This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like damaging your car on a curb, sustaining damage from a pot hole, rolling your car and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive coverages

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as theft, damage from getting keyed, damage from flooding and hitting a deer. The highest amount you’ll receive from a claim 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.

Spend less. Save more.

Throughout this article, we presented many tips how you can lower your 2018 Subaru Crosstrek insurance car insurance rates. The most important thing to understand is the more quotes you get, the better likelihood of getting cheaper auto insurance. You may even find the lowest car insurance rates are with a company that doesn’t do a lot of advertising. They may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm or Progressive.

Cheaper auto insurance can be bought online in addition to many insurance agents, so you need to quote auto insurance with both to get a complete price analysis. A few companies do not offer the ability to get quotes online and most of the time these small insurance companies only sell through independent agents.

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