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.
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.
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:
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.
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.
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.
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.
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.
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:
Jenise Knight
I went with Progressive at renewal. Best rates in Cedar Rapids, IA. Got better coverage too. Liability only on my Subaru.
Rena Dalton
I’m in Nashua, NH and need high risk coverage. Help!
Roselee Shepard
Will State Farm cancel my policy for a liability claim?
Stewart Griffin
Anyone try to read their policy?
Jeannine Gaines
I found pretty cheap rate quotes for a 2004 Subaru Baja in Owensboro, Kentucky. Ended up at right around $70 every six months with Amica. BTW speeding tickets are not good. Not sure if rates are cheaper online or not. I think I’ll get rid of full coverage next time.
Gaylord Small
Cheap car insurance? What’s that? I’m from Missoula, MT. Quoted rates from 21st Century, AAA, and some I forget for my Baja and saved just over $80 a year. God forbid I actually have a claim. It’s only liability tho.
Cory Sweeney
Went with GEICO for my 2004 Subaru Baja and am saving around $100 a year. You can get a rate quote online. Full coverage costs too much.
Daniele Chapman
I’m in Dover, DE. Received rates from GEICO, American Family, and Encompass for my Subaru and I think I am saving around $20 each month. Insured with The General before. Got better coverage too. Are quotes cheaper online? I don’t have comp or collision coverage.
Melina Miranda
Cheaper car insurance is a myth. Located in Montgomery, AL. Got free quotes online for a 2004 Subaru Baja. Ended up at about $110 savings annually. Went with Allstate. A clean driving record helps. It’s still not cheap enough. My Baja doesn’t have full coverage.
Carmine Mcpherson
I’m just east of Warwick, RI. I don’t recall every quote but I ended up saving about $20 each month.
Loren Parsons
Are custom wheels covered by insurance?
Elwood Forbes
Live in the northern part of Provo, Utah. Checked online prices for a 2004 Subaru Baja. Ended up at about $90 savings annually. Went with GEICO. I’m a pretty low risk driver. When should I drop full coverage?
Tai Atkins
Progressive and State Farm were both pretty cheap in Charleston, West Virginia.
Collin Vasquez
Just a quick comment on my experience. I live on the east side of Bismarck, ND. Got rates from AIG Insurance, MetLife, and Travelers for my 2004 Subaru Baja and I think I am saving around $20 each month. Was with GMAC. Only insure liability on my Baja.
Albert Kelly
Cheaper car insurance is a myth. I’m in Tucson, Arizona. Quoted prices online for a 2004 Subaru Baja. Ended up at about $80 savings annually. Went with Allstate.