2013 Subaru XV Crosstrek Insurance Quotes

Searching for lower auto insurance rates? Consumers have many options when looking for the best price on Subaru XV Crosstrek insurance. You can either spend your time struggling with agents trying to get quotes or utilize the internet to find the lowest rates. There is a better way to buy auto insurance so you’re going to learn the best way to compare rates for your Subaru and obtain the lowest possible price from local insurance agents and online providers.

You should make it a habit to check auto insurance prices quite often because auto insurance prices are variable and change quite frequently. Just because you found the lowest price for XV Crosstrek insurance on your last policy you may be paying too much now. You can find a lot of misleading information regarding auto insurance on the web, but in just a couple of minutes you can learn some great ways to find affordable auto insurance.

How to buy car insurance online

There are a variety of methods to shop for car insurance, but there is one way that is more efficient than others. You can waste a few hours (or days) driving to insurance agencies in your area, or you could use online quotes to get the quickest rates.

Most major companies are enrolled in a marketplace where prospective buyers only type in their quote data once, and every company then gives them pricing based on the submitted data. This system prevents you from having to do quotation requests for each company you want a rate for.

To participate in this free quote system, click here (opens in new window).

The only downside to using this type of system is you can’t choose the providers you want pricing from. If you wish to select individual companies to receive pricing from, we have a listing of low cost car insurance companies in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just make absolute certain that you use the same quote data for each price quote. If you are comparing higher or lower deductibles it’s impossible to make a fair rate comparison.

Discounts can really help lower rates

Some insurance providers do not list all available discounts in a way that’s easy to find, so the below list has both the well known and also the more inconspicuous discounts that you may qualify for.

• Theft Prevention System – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen with less frequency and will qualify for a discount on a insurance quote.
• Discounts for Federal Employees – Being employed by or retired from a federal job may qualify for a discount when you quote insurance for XV Crosstrek insurance with select insurance companies.
• Claim-Free Discount – Drivers who don’t have accidents pay less as opposed to drivers who are more careless.
• Good Student – Excelling in school can save 20 to 25%. You can use this discount normally up until you turn 25.
• Drivers Education – Reduce the cost of insurance for teen drivers by having them complete a driver education course as it can save substantially.
• Seat Belts Save – Drivers who require all occupants to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.
• Discounts for New Vehicles – Insuring a vehicle that is new can get you a discount compared to insuring an older model.
• Resident Student – Children living away from home attending college and do not have access to a covered vehicle may be insured at a cheaper rate.
• Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a break if you buy some life insurance too.

Just know that most discount credits are not given to all coverage premiums. Most only reduce the cost of specific coverages such as comp or med pay. So when the math indicates you could get a free auto insurance policy, companies wouldn’t make money that way.

Some of the larger companies that may offer many of the previously listed discounts are:

• Geico
• Travelers
• Farm Bureau
• Liberty Mutual
• American Family
• Progressive

Check with every prospective company which credits you are entitled to. Some discounts listed above might not be offered in your state.

Insurance price influencing factors

It’s important that you understand a few of the rating criteria that come into play when calculating the rates you pay for insurance. If you know what determines base rates, this enables informed choices that may result in much lower annual insurance costs.

The factors shown below are some of the factors insurance companies consider when setting your premiums.

• Male prices may be higher – Statistics show that men are more aggressive behind the wheel. It does not mean females are better at driving than males. They both tend to get into auto accidents in similar percentages, but guys get into accidents with more damage. Men also statistically get cited for more serious violations such as DWI and reckless driving. Teenage male drivers cause the most accidents and thus pay the highest rates.
• Good drivers pay less – Whether or not you get tickets influences premium rates substantially. Attentive drivers get better rates as compared to careless drivers. Only having one ticket could increase your next policy renewal to the point where it’s not affordable. Drivers who have dangerous tickets such as hit and run, DWI or reckless driving convictions are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to drive a vehicle legally.
• Save money by eliminating extra coverages – There are quite a few additional coverages that you can buy when buying insurance. Insurance for coverage for rental cars, accident forgiveness, and term life insurance could be just wasting money. They may seem good when you first buy your policy, but if you don’t need them get rid of them and save.
• Your age impacts your prices – Older insureds are more cautious drivers, cause fewer claims and accidents .Young drivers are known to be less responsible when driving with friends so insurance rates are higher.
• Safer occupants lowers prices – Cars with five star safety ratings can get you lower premiums. The safest vehicles reduce the chance of injuries and fewer serious injuries translates into savings for insurance companies and thus lower rates.

Will just any policy work for me?

When choosing the best insurance coverage for your vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s.

These are some specific questions may help highlight whether your personal situation will benefit from professional help.

• Why am I required to get a high-risk car insurance policy?
• When should I buy a commercial auto policy?
• If my pet gets injured in an accident are they covered?
• Is other people’s property covered if stolen from my vehicle?
• Should I drop comprehensive coverage on older vehicles?
• Do I need more liability coverage?
• Is my camper covered by my car insurance policy?
• Do I pay less for low miles?
• I have a DUI can I still get coverage?
• How high should deductibles be on a 2013 Subaru XV Crosstrek?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Specifics of your insurance policy

Knowing the specifics of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like falling objects, hitting a deer, vandalism, a broken windshield and theft. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like chiropractic care, ambulance fees, prosthetic devices, nursing services and dental work. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your 2013 Subaru XV Crosstrek.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Auto liability insurance

Liability insurance protects you from damage that occurs to people or other property in an accident. This coverage protects you from claims by 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. You commonly see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like loss of income, structural damage, medical expenses and court costs. How much coverage you buy is up to you, but consider buying higher limits if possible.

Coverage for collisions

This will pay to fix damage to your XV Crosstrek from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like damaging your car on a curb, hitting a parking meter, crashing into a building and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

More choices the merrier

Insureds leave their current company for any number of reasons including being labeled a high risk driver, questionable increases in premium, not issuing a premium refund and unfair underwriting practices. It doesn’t matter why you want to switch choosing a new insurance company is easier than you think.

We covered a lot of information how to get a better price on 2013 Subaru XV Crosstrek insurance. The key thing to remember is the more you quote insurance, the better your comparison will be. Consumers may even find the best car insurance rates are with a small mutual company.

Some insurance companies may not offer price quotes online and these regional insurance providers prefer to sell through independent insurance agents. Lower-priced 2013 Subaru XV Crosstrek insurance is available from both online companies as well as from insurance agents, and you should be comparing both to have the best rate selection.

More information is available on the following sites:

• What is Full Coverage? (Allstate)
• Understanding Car Crashes Video (iihs.org)
• Vehicle Insurance in the U.S. (Wikipedia)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)