2013 Subaru BRZ Car Insurance Rates

Trying to find the cheapest insurance for your Subaru BRZ can be a lot of work, but you can use these tips to save time. There is a better way to shop for insurance and you need to know the absolute fastest way to price shop coverage for a Subaru and find the cheapest rates from local insurance agents and online providers.

Choosing the best insurance company for you is not rocket science. If you are insured now or are shopping for new coverage, you can follow these tips to find better prices and possibly find even better coverage. Vehicle owners only need an understanding of the proper way to find the lowest price on the web.

How to compare auto insurance quotes

Lowering your 2013 Subaru BRZ auto insurance rates can be relatively painless. You just have to invest a little time comparing rate quotes online with multiple companies. Insurance prices can be quoted by following the guidelines below.

1. One of the fastest ways consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This method keeps you from doing repetitive form entry to each individual auto insurance company. Filling out one form will get you rate comparisons from multiple companies. Just one form and you’re done.
2. A less efficient way to obtain and compare quotes online requires visiting each individual company website and fill out a new quote form. For sake of this example, we’ll assume you need rates from Farmers, State Farm and Geico. To find out each rate you need to spend time on each company’s site and punch in your information repeatedly, which explains why we recommend starting with the first method.

   For a list of companies in your area, click here.

3. Even if you have time, the least recommended method to price shop rates is driving to insurance agencies in your area. The ability to buy insurance online has made agencies unnecessary unless your situation requires the trained advice that you can only get from talking to an agent. Although you can get the lowest quotes online but have your policy serviced through an agent.

The method you choose is up to you, but make sure you compare the exact same quote information on every price quote you get. If you enter differing limits then you won’t be able to truly determine the lowest rate.

Smaller companies may have the best rates

Consumers constantly see and hear ads for cheaper insurance from the likes of Allstate and Progressive. They all seem to make the point about savings if you change your policy.

How can each company say the same thing? Here is how they do it.

Most companies are able to cherry pick for the type of driver that is profitable for them. An example of this type of driver could be a married female, is a homeowner, and chooses high deductibles. Anyone who meets those qualifications will qualify for the lowest rates and will probably cut their rates substantially.

Drivers who do not match those standards will be charged higher premium rates which results in business going elsewhere. The ad wording is “customers who switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s why insurance companies can confidently make claims that they all have the best rates. This really emphasizes why you really need to compare rate quotes every year. You cannot predict which insurance company will fit you best based on your risk profile.

Car insurance quotes and discounts

Companies that sell car insurance don’t necessarily list all their discounts in an easy-to-find place, so the list below gives a summary of a few of the more common in addition to some of the lesser obvious credits available to lower your premiums when you buy car insurance online.

• Renewal Discounts – Select companies give a discount for switching companies before your current policy expires. The savings is around 10%.
• Multi-Vehicle Discounts – Buying insurance for multiple cars or trucks on one policy may reduce the rate for each vehicle.
• Passenger Safety Discount – Vehicles with factory air bags or motorized seat belts may qualify for discounts of more than 20%.
• Multi-policy Discount – When you have multiple policies and insure them both with the same insurance company they may give you a discount of at least 10 to 15 percent or more.
• Claim Free – Claim-free drivers have much lower rates in comparison with insureds who have frequent claims or accidents.
• Drivers Education – Require your teen driver to sucessfully take a drivers education course in school.
• Telematics Data Discounts – Insureds that choose to allow data collection to study driving patterns by using a telematic data system such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if they are good drivers.
• Senior Discount – Seniors are able to get a discount up to 10% for BRZ coverage.
• Drive Less and Save – Maintaining low annual mileage could earn substantially lower car insurancerates.
• Active Service Discounts – Having an actively deployed family member can result in better rates.

Discounts save money, but please remember that most credits do not apply to the overall cost of the policy. Most only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think you can get free auto insurance, nobody gets a free ride. Any qualifying discounts will definitely lower your policy premium.

A few of the larger companies and a summarized list of policyholder discounts are detailed below.

• Progressive discounts include multi-vehicle, multi-policy, continuous coverage, good student, homeowner, online signing, and online quote discount.
• Farmers Insurance has savings for switch companies, mature driver, electronic funds transfer, youthful driver, and distant student.
• Farm Bureau offers discounts for good student, youthful driver, renewal discount, safe driver, and 55 and retired.
• State Farm may offer discounts for defensive driving training, accident-free, student away at school, safe vehicle, good student, and Drive Safe & Save.
• Geico has discounts for seat belt use, good student, multi-policy, anti-theft, federal employee, membership and employees, and air bags.
• SAFECO offers discounts including teen safety rewards, bundle discounts, homeowner, anti-theft, teen safe driver, and accident prevention training.
• Liberty Mutual policyholders can earn discounts including newly married, multi-policy, new vehicle discount, safety features, preferred payment discount, and good student.

If you need inexpensive car insurance quotes, ask every prospective company to apply every possible discount. Discounts may not be offered in your area. If you would like to choose from a list of car insurance companies who offer car insurance discounts, click here.

Situations that may require an agent’s advice

When it comes to buying proper insurance coverage, there really is not a best way to insure your cars. Every insured’s situation is different.

For instance, these questions may help highlight if your situation will benefit from professional help.

• Is a blown tire covered by insurance?
• How much underlying liability do I need for an umbrella policy?
• Is business property covered if stolen from my car?
• If I drive on a suspended license am I covered?
• Am I better off with higher deductibles on my 2013 Subaru BRZ?
• At what point should I drop full coverage?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Specifics of your auto insurance policy

Knowing the specifics of your auto insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Liability coverages – Liability insurance provides protection from injuries or damage you cause to other people or property that is your fault. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like bail bonds, legal defense fees, attorney fees, medical services and medical expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for bills for dental work, doctor visits, X-ray expenses, hospital visits and nursing services. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, damage from flooding and hail damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides 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 damage to your 2013 Subaru BRZ.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Collision – Collision insurance covers damage to your BRZ from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like scraping a guard rail, driving through your garage door, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Be a Smart Shopper

Drivers change insurance companies for a variety of reasons including not issuing a premium refund, high prices, unfair underwriting practices and delays in paying claims. Whatever your reason, choosing a new insurance company can be pretty painless.

Cost effective 2013 Subaru BRZ insurance is definitely available on the web and also from your neighborhood agents, so get free car insurance quotes from both of them to have the best chance of lowering rates. Some car insurance companies do not offer the ability to get quotes online and many times these small insurance companies only sell through local independent agencies.

We covered a lot of information how to reduce 2013 Subaru BRZ insurance auto insurance rates online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the best auto insurance rates are with a lesser-known regional company.

Additional car insurance information can be found on the following sites:

• Rental Reimbursement Coverage (Allstate)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Should I Buy a New or Used Car? (Allstate)
• Prom Night Tips for Teen Drivers (State Farm)