Cheaper 2018 Subaru WRX Car Insurance Quotes

Looking for lower auto insurance rates for your Subaru WRX? Have you fallen victim to high-priced auto insurance? Believe me when I say you’re not alone. Consumers have many car insurance companies to pick from, and though it is a good thing to have a choice, too many choices makes it more difficult to compare company pricing.

Consumers should take time to compare rates quite often because rates are constantly changing. If you had the best deal on WRX coverage last year you can probably find a better price now. There are a lot of ways to save on auto insurance on the internet, but in a few minutes you can learn some proven techniques to quit paying high auto insurance rates.

How much does insurance cost?

Effectively comparing insurance prices can take time and effort if you don’t know the easiest way. You can waste a lot of time talking to insurance agencies in your area, or you can utilize the internet to achieve your goal.

Many insurance companies take part in a program where prospective buyers only type in their quote data once, and each participating company returns a rated price for coverage. This saves time by eliminating quote forms for each company you want a rate for. To compare rates using this form now click here (opens in new window).

The only drawback to getting quotes like this is that consumers can’t choose which companies to receive prices from. So if you prefer to pick individual companies to receive pricing from, we have a page of companies who write insurance in your area. Click here to view list.

Whichever way you use, try to keep equivalent deductibles and coverage limits on every quote. If you have different coverage information it will be nearly impossible to make a fair rate comparison.

Do you qualify for discount insurance coverage?

Some providers don’t necessarily list the complete list of policy discounts in a way that’s easy to find, so we took the time to find a few of the more common and also the lesser-known discounts you could be receiving when you buy car insurance online.

  • Driver’s Education for Students – Have your child sucessfully take a drivers education course as it will make them better drivers and lower rates.
  • Discounts for Good Drivers – Drivers without accidents may save up to 50% more on WRX coverage than their less cautious counterparts.
  • Homeowners Pay Less – Just owning your own home may earn you a small savings since home ownership requires personal responsibility.
  • Distant College Student Discount – College-age children who live away from home at college and do not have access to a covered vehicle may be insured at a cheaper rate.
  • Early Switch Discount – A few insurance companies give discounts for switching companies before your current policy expires. You may see this discount when you get car insurance quotes online.

We need to note that some credits don’t apply to all coverage premiums. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, it just doesn’t work that way.

A list of insurance coverage companies and a summarized list of policyholder discounts are outlined below.

  • Farm Bureau policyholders can earn discounts including multi-vehicle, multi-policy, good student, renewal discount, 55 and retired, and driver training.
  • Liberty Mutual has savings for new vehicle discount, exclusive group savings, multi-car, newly married, teen driver discount, multi-policy, and new graduate.
  • State Farm has discounts for anti-theft, Steer Clear safe driver discount, good driver, safe vehicle, and passive restraint.
  • Auto-Owners Insurance offers discounts including anti-lock brakes, student away at school, safe driver, multi-policy, group or association, safe vehicle, and anti-theft.
  • Geico discounts include defensive driver, multi-vehicle, daytime running lights, driver training, anti-lock brakes, and federal employee.
  • SAFECO may include discounts for anti-lock brakes, bundle discounts, accident prevention training, multi-car, anti-theft, homeowner, and teen safety rewards.

If you want inexpensive car insurance quotes, ask all the companies which credits you are entitled to. Some credits may not be offered everywhere. To see providers that offer some of these discounts, follow this link.

What insurance coverages do I need?

When buying the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s needs are different so your insurance should reflect that For example, these questions can help discover whether you might need professional guidance.

  • Is my nanny covered when driving my vehicle?
  • When would I need rental car insurance?
  • Do all my vehicles need collision coverage?
  • Are my friends covered when driving my car?
  • Is my camper covered by my car insurance policy?
  • What is the rate difference between pleasure use and commuting?

If you don’t know the answers to these questions, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It is quick, free and can help protect your family.

Six things that determine your insurance prices

Consumers need to have an understanding of some of the factors that help determine the level of your policy premiums. If you understand what impacts premium levels, this allows you to make educated decisions that will entitle you to better car insurance rates. Lots of things are used when you get your auto insurance bill. Most are fairly basic such as traffic violations, although others are more transparent such as your marital status or how safe your car is.

  • Costs also based on gender – Over the last 30 years, statistics show that females tend to be a little less risky than males. Now that doesn’t mean women are BETTER drivers than men. Both sexes are responsible for at-fault accidents at a similar rate, but men have costlier accidents. Men also have more aggressive citations such as reckless driving.
  • Policy add-ons may be wasting money – Policies have additional extra coverages that you can buy if you don’t pay attention. Things like coverage for rental cars, accident forgiveness, and motor club memberships may be costing you every month. They may sound like good ideas when discussing your needs, but if they’re wasting money think about removing them and cutting costs.
  • High deductibles reduce costs – Your deductibles are the amount of money you are required to spend out-of-pocket if a covered claim is submitted. Protection for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some examples of covered claims are collision with another vehicle, animal collisions, and damage caused by road hazards. The more of the claim the insured is willing to pay, the lower your rates will be on WRX coverage.
  • Insure car and home with the same company – Most major insurance companies will award better rates to insureds that have more than one policy. It’s known as a multi-policy discount. Even with this discount, consumers should still get quotes from other companies to make sure you are getting the best deal. It’s possible to still save money even if you insure with multiple companies
  • Premiums are lower the older you get – Teenage drivers are proven to get distracted easily when at the wheel of a vehicle therefore car insurance rates are much higher. Having to add a teen driver to your car insurance policy can be quite pricey. More experienced drivers are proven to be safer behind the wheel, cause fewer claims and accidents and get fewer tickets.
  • Pleasure use or commuting – Driving more miles in a year the more it will cost to insure it. Most companies rate vehicles based upon how the vehicle is primarily used. Cars not used for work or commuting qualify for better rates than vehicles that are driven to work every day. It’s always a good idea to double check that your declarations sheet is rated on the proper vehicle usage. Incorrect rating for your WRX may be costing you.

Don’t listen to company ads

Drivers get pounded daily by advertisements for the lowest price insurance from companies such as Progressive, Geico, Allstate and State Farm. All the companies advertise the message of big savings just by switching your coverage to them.

But how can every company charge you a lower premium?

Many companies have an ideal profile for the right customer that makes them money. For example, a driver they prefer might be described as a married male, has no claims, and drives a safe vehicle. Anyone who meets those qualifications will probably get the lowest premium rates and most likely will save a lot if they switch.

Potential insureds who don’t qualify for these standards will be charged more expensive rates which results in the prospect going elsewhere. If you listen closely, the ads state “people who switch” not “everybody who quotes” can get the lowest rates when switching. This is how insurance companies can confidently make those claims. This really drives home the point why it’s extremely important to compare many company’s rates. Because you never know which insurance company will fit your personal profile best.

Car insurance coverage information

Understanding the coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages offered by insurance companies.

Liability – Liability insurance protects you from damage that occurs to other people or property that is your fault. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: 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 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like pain and suffering, legal defense fees and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, damage from getting keyed, damage from a tornado or hurricane and fire damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for bills for things like prosthetic devices, funeral costs, nursing services and EMT expenses. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision coverage – This pays for damage to your WRX caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as rolling your car, backing into a parked car and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Subaru WRX.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

More quotes. Lower rates.

You just learned many ideas to reduce 2018 Subaru WRX insurance auto insurance rates online. The key concept to understand is the more price quotes you have, the better likelihood of getting the cheapest car insurance. You may even discover the lowest auto insurance rates are with a lesser-known regional company. They may only write in your state and offer lower premium rates than their larger competitors like Geico and State Farm.

As you go through the steps to switch your coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where consumers will sacrifice liability limits or collision coverage only to regret at claim time that it was a big mistake. Your strategy should be to buy a smart amount of coverage for the lowest price, but do not skimp to save money.

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