2003 Subaru Baja Car Insurance Quotes – 5 Policy Discounts

Looking for the cheapest insurance rates for your Subaru Baja? Are you tired of scraping nickels together to pay high insurance rates every month? You are in the same boat as most other drivers.

Since you have so many companies to choose from, it can be impossible to pick the cheapest insurance company.

Consumers need to do rate comparisons periodically since insurance prices are rarely the same from one policy term to another. Just because you had the best rates on Baja coverage on your last policy there may be better deals available now. Forget all the misinformation about insurance because you’re about to learn how to use the internet to properly buy coverages and cut your premium.

Finding affordable coverage is quite easy. If you currently have a car insurance policy, you will be able to lower your premiums substantially using this strategy. Nevertheless, consumers can benefit by having an understanding of how companies market on the web and take advantage of how the system works.

Car insurance policy discounts you can’t miss

Car insurance can cost a lot, but there are discounts available to help bring down the price. Certain discounts will be triggered automatically when you complete an application, but occassionally some discounts must be specially asked for before they will apply.

• Data Collection Discounts – Insureds that choose to allow companies to monitor when and where they use their vehicle by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates as long as the data is positive.
• Early Payment Discounts – By making one initial payment instead of paying each month you can avoid the installment charge.
• Discount for Good Grades – Maintaining excellent grades can get you a discount of up to 25%. This discount can apply well after school through age 25.
• Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a lower price if you buy some life insurance too.
• Theft Prevention Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen less frequently and will qualify for a discount on a insurance quote.

As a footnote on discounts, most discounts do not apply to your bottom line cost. Most cut specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

To locate insurers that offer multiple discounts, click here.

Insurance agents can help

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions may help you determine whether or not you may require specific advice.

• How high should my medical payments coverage be?
• What are the financial responsibility laws in my state?
• At what point should I drop full coverage?
• Does my medical payments coverage pay my health insurance deductible?
• What is the rate difference between pleasure use and commuting?
• Do all my vehicles need collision coverage?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Auto insurance coverage information

Learning about specific coverages of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages available from insurance companies.

Medical expense insurance – Med pay and PIP coverage provide coverage for expenses for EMT expenses, hospital visits, ambulance fees and nursing services. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Liability coverages – This can cover injuries or damage you cause to people or other property in an accident. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers claims such as attorney fees, medical expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like vandalism, damage from flooding, hitting a deer, damage from getting keyed and theft. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision – This coverage pays for damage to your Baja resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like driving through your garage door, colliding with a tree, rolling your car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

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. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Pennies from heaven

Cheaper 2003 Subaru Baja insurance can be found both online and from local agencies, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies do not offer online price quotes and these small insurance companies only sell coverage through local independent agents.

We covered a lot of ways to compare 2003 Subaru Baja insurance rates online. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the lowest rates are with some of the smallest insurance companies. They may often insure only within specific states and give getter rates than their larger competitors like Allstate, Geico and Progressive.

Other learning opportunities

• Vehicle Insurance in the U.S. (Wikipedia)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)