2004 Subaru Baja Car Insurance Quotes

Shoppers have a choice when shopping for the lowest priced Subaru Baja insurance. You can either waste hours driving around getting price quotes or use the internet to get rate quotes.

There is a better way to compare auto insurance rates and we’ll show you the absolute fastest way to price shop coverage for a Subaru and find the cheapest rates from local insurance agents and online providers.

Cheaper auto insurance rates with discounts

Insurance can be prohibitively expensive, but there could be significant discounts that you may not even know about. Most are applied when you complete an application, but a few must be specifically requested prior to getting the savings. If you do not check that you are getting every discount possible, you could be saving more on your auto insurance.

• Multiple Cars – Drivers who insure multiple cars or trucks on one policy qualifies for this discount.
• ABS Brakes – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
• Distant Student Discount – Any of your kids who attend college more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
• Active Military Service – Being on active duty in the military could be rewarded with lower rates.
• Payment Discounts – If you pay your entire premium ahead of time as opposed to paying monthly you may reduce your total bill.
• Switch and Save Discount – Some companies reward drivers for buying a new policy prior to your current policy expiring. This can save 10% or more.
• Discounts for Federal Employees – Federal government employees can save as much as 8% for Baja coverage but check with your company.
• Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school or through a local driver safety program.
• Online Discount – Certain insurance companies provide a small discount shop insurance coverage digitally online.
• Driver Safety – Participating in a driver safety class can save you 5% or more and easily pay for the cost of the class.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. Any amount of discount will bring down your policy premium.

The best auto insurance companies and their possible discounts are:

• Geico includes discounts for defensive driver, good student, seat belt use, daytime running lights, membership and employees, military active duty, and emergency military deployment.
• Mercury Insurance may offer discounts for ease of repair, annual mileage, low natural disaster claims, multi-policy, location of vehicle, and professional/association.
• Farmers Insurance offers discounts including teen driver, alternative fuel, electronic funds transfer, distant student, multi-car, early shopping, and youthful driver.
• Auto-Owners Insurance offers discounts for air bags, good student, company car, mature driver, and group or association.
• Liberty Mutual offers premium reductions for newly married, good student, safety features, preferred payment discount, new move discount, multi-policy, and new vehicle discount.
• SAFECO may have discounts that include drive less, accident prevention training, anti-theft, multi-car, and safe driver.
• Progressive has discounts for online quote discount, homeowner, online signing, multi-policy, continuous coverage, and multi-vehicle.
• USAA policyholders can earn discounts including family discount, multi-policy, multi-vehicle, good student, and loyalty savings.

If you need cheap insurance coverage quotes, ask all companies you are considering which discounts you qualify for. Some discounts might not be offered in your state. To view companies with discount auto insurance rates, follow this link.

The fastest way that we advise to compare insurance rates from multiple companies is to understand most larger insurance companies participate in online systems to compare rate quotes. The only thing you need to do is provide a little information including how your vehicles are used, if you went to college, deductibles desired, and if it has an anti-theft system. Your insurance information is then sent to many highly-rated insurers and you receive quotes immediately.

If you would like to compare rates now, click here and complete the quick form.

Why your insurance rates might be higher

An important part of buying insurance is that you know a few of the rating criteria that come into play when calculating the rates you pay for auto insurance. When consumers understand what positively or negatively impacts your premiums, this allows you to make good choices that could result in big savings.

The list below includes just a few of the factors companies use to determine your rates.

• Does your occupation raise your rates? – Did you know your auto insurance rates can be affected by your occupation? Jobs such as real estate brokers, social workers and accountants generally pay the highest average rates due to high stress levels and lengthy work days. Conversely, careers like scientists, students and the unemployed receive lower rates for Baja coverage.
• Safer vehicles save money – Cars with five star safety ratings are cheaper to insure. The safest vehicles protect occupants better and fewer injuries translates into savings for insurance companies and thus lower rates. If the Subaru Baja scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
• Don’t let your coverage lapse – Driving your car without having proper coverage can get you a ticket and as a result your rates will increase for letting your insurance expire. And not only will insurance be more expensive, the inability to provide proof of insurance will get you a hefty fine and possibly a revoked license. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
• Liability coverage limits are a factor – A critical coverage on your policy, liability insurance provides coverage when you are ruled to be at fault for causing damage or personal injury in an accident. It provides legal defense coverage which can be incredibly expensive. Liability is cheap compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
• Premiums are high for teenagers – Older people tend to be more responsible, cause fewer claims and accidents , and are generally more financially stable.Teen drivers have a tendency to be inattentive and easily distracted in a vehicle and because of this, their auto insurance rates are much higher.
• Careless drivers pay higher rates – Having a clean driving record influences premium rates substantially. Careful drivers pay lower auto insurance prices compared to bad drivers. Even one speeding ticket or other violation may cause rates to rise twenty percent or more. People who have flagrant violations like DUI, reckless driving or excessive speeding might be required by their state to maintain a SR-22 with the DMV in their state in order to continue driving.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions might point out if you would benefit from professional advice.

• Does coverage extend to a rental car in a foreign country?
• Are my friends covered when driving my 2004 Subaru Baja?
• Am I covered when driving in Canada or Mexico?
• How many claims can I have before being cancelled?
• Does my 2004 Subaru Baja need full coverage?
• Can I pay claims out-of-pocket if I buy high deductibles?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and can help protect your family.

Coverage specifics

Understanding the coverages of auto insurance helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive auto coverage – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from getting keyed, a broken windshield and vandalism. The most a auto 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 consider removing comprehensive coverage.

Collision coverages – Collision coverage covers damage to your Baja caused by collision 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 crashing into a ditch, backing into a parked car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your Subaru Baja.

Since many 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 is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Medical payments and PIP coverage – Med pay and PIP coverage pay for short-term medical expenses like EMT expenses, X-ray expenses and surgery. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Liability coverage – Liability coverage protects you from damages or injuries you inflict on a person or their property. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy 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 a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like court costs, legal defense fees and medical expenses. How much coverage you buy is up to you, but you should buy higher limits if possible.

Feed the piggy bank

When you buy insurance coverage online, do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut comprehensive coverage or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase plenty of coverage at a price you can afford, but do not sacrifice coverage to save money.

The cheapest 2004 Subaru Baja insurance can be bought both online and from local insurance agents, so you need to shop insurance coverage with both in order to have the best price selection to choose from. Some insurance companies don’t offer internet price quotes and usually these small insurance companies sell through independent agencies.

Insureds who switch companies do it for a variety of reasons including unfair underwriting practices, being labeled a high risk driver, not issuing a premium refund or even an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding a new insurance coverage company can be less work than you think.

For more information, feel free to visit the resources below:

• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• What is Full Coverage? (Allstate)
• What is Covered by GAP Insurance? (Allstate)
• Safety Belts FAQ (iihs.org)