2014 Subaru BRZ Car Insurance Rates

Trying to find cheaper auto insurance rates for your Subaru BRZ? No one likes paying for auto insurance, in particular when the prices are way too high.

Companies like Allstate, Progressive and GEICO all claim big savings, bombarding you with ads and it is challenging if not impossible to ignore the flashy ads and do the work needed to find the best deal.

You should take the time to take a look at other company’s rates yearly since prices are rarely the same from one policy term to another. Despite the fact that you may have had the lowest price for BRZ insurance on your last policy you can probably find a lower rate today. Block out anything you think you know about auto insurance because we’re going to show you the proper way to properly buy coverages and cut your premium.

If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these methods. Finding affordable coverage is easy if you know what you’re doing. Nevertheless, consumers can benefit from knowing how the larger insurance companies sell insurance online and take advantage of how the system works.

Learn how to find insurance coverage at a discount

Many different elements are used when pricing auto insurance. Some are pretty understandable like a motor vehicle report, but some are more obscure such as your credit history or your vehicle rating.A large part of saving on insurance coverage is knowing the factors that go into determining the price you pay for insurance coverage. When you understand what positively or negatively impacts your premiums, this enables informed choices that may reward you with lower rates.

  • Premiums are lower the older you get – Teen drivers have been known to be easily distracted with other occupants in the car and because of this, their insurance coverage rates are much higher. Adding a teenage driver to your insurance coverage policy will cause a huge premium hike. Older, more experienced drivers are proven to be safer behind the wheel, tend to cause fewer accidents and are safer drivers.
  • Liability protection safeguards assets – The liability section of your policy kicks in when you are determined to be liable for damages caused by your negligence. It provides you with a defense in court which can cost a lot. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so do not cut corners here.
  • Prevent insurance coverage lapses – Driving your car without having proper coverage is illegal and as a result your rates will increase for letting your insurance expire. Not only will you pay higher rates, the inability to provide proof of insurance can result in a revoked license or a big fine. You could then be forced to file a SR-22 with your state DMV.
  • Discounts for theft deterrents – Choosing a vehicle with advanced anti-theft systems can save you a little every year. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop auto theft.

How to buy insurance online

When shopping for insurance there are multiple ways to compare prices from different insurance companies. The recommended way to find the lowest 2014 Subaru BRZ rates is to perform an online rate comparison. This can be done by using one of the methods below.

  • Without a doubt, the easiest way consumers can analyze rates is an all-inclusive rate comparison like this one (opens in new window). This form keeps you from doing separate forms for every company. Completing one form will get you rate comparisons from insurance companies with the best prices.
  • A different way to find better pricing requires a visit to the website of each company and request a quote. For examples sake, let’s say you want to view quotes from Liberty Mutual, Allstate and State Farm. To get each rate you have to spend time on each company’s site and enter your information, which can be really labor intensive.

    For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but try to use the exact same deductibles and coverage limits for every quote you compare. If each company quotes unequal deductibles or liability limits it will be next to impossible to decipher which rate is best. Slightly different coverages can mean a large discrepancy in price. Just remember that getting more free quotes helps improve the odds of finding a lower rate. Not every company provides online rate quotes, so you need to compare prices on coverage from those companies, too.

Advertising myths

Well-known insurance coverage companies like Progressive, Allstate and GEICO endlessly run television and radio advertisements. All the companies have a common claim that drivers can save some big amount if you switch your coverage. How do they all have lower policy pricing? It’s all in how they say it.

Different companies have underwriting criteria for the type of driver they prefer to insure. An example of a driver they prefer might be described as between the ages of 30 and 45, has no driving citations, and drives a safe vehicle. A customer that meets those criteria will probably get the lowest rates and will probably save a lot if they switch.

Consumers who fall short of these standards will have to pay more expensive rates and this results in the customer not purchasing. The ads state “drivers that switch” not “all people who quote” will save that much if they switch. That is how companies can truthfully make the claims of big savings. That is why drivers must compare price quotes frequently. You cannot predict which company will have the lowest rate quotes.

Insurance policy discounts you can’t miss

Insurance is expensive, but you might already qualify for some discounts that could drop your premiums quite a bit. Many discounts should be triggered when you complete an application, but a few must be inquired about prior to receiving the credit. If you aren’t receiving every discount available, you are not getting the best rate possible.

  • Discount for Swiching Early – A few larger companies offer discounts for switching companies prior to your current policy expiring. This can save 10% or more.
  • Theft Deterent – Vehicles that have factory anti-theft systems can help prevent theft and that can save you a little bit as well.
  • Drive Safe and Save – Insureds who avoid accidents can pay as much as 50% less for BRZ insurance than their less cautious counterparts.
  • Active Military Service – Being deployed in the military could be rewarded with lower rates.
  • Multiple Vehicles – Drivers who insure primary and secondary vehicles on one policy can reduce the rates for all insured vehicles.

Don’t be surprised that some credits don’t apply to all coverage premiums. Some only reduce individual premiums such as medical payments or collision. Just because it seems like you could get a free insurance policy, companies don’t profit that way.

To locate insurance companies with discount rates, click here to view.

Insurance agents can help

When it comes to choosing proper insurance coverage for your vehicles, there really is no single plan that fits everyone. Every insured’s situation is different so your insurance should reflect that These are some specific questions may help highlight if you may require specific advice.

  • Why does it cost so much to insure a teen driver?
  • Does my insurance cover my expensive audio equipment?
  • Am I covered when using my vehicle for business?
  • What is PIP insurance?
  • What should my uninsured motorist coverage limits be in my state?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Are all vehicle passengers covered by medical payments coverage?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance coverages and their meanings

Having a good grasp of your car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by car insurance companies.

Auto collision coverage

This coverage pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like sideswiping another vehicle, backing into a parked car, damaging your car on a curb, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, hitting a deer, theft and damage from getting keyed. The highest amount a car 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 it’s probably time to drop comprehensive insurance.

Liability

This coverage will cover damage that occurs to a person or their property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like attorney fees, bail bonds, repair bills for other people’s vehicles, structural damage and court costs. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Subaru BRZ.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for immediate expenses for prosthetic devices, pain medications and surgery. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

One last thing about your coverage

As you quote auto insurance, do not skimp on coverage in order to save money. In many cases, an accident victim reduced uninsured motorist or liability limits and discovered at claim time that the savings was not a smart move. The goal is to purchase plenty of coverage at the best price, not the least amount of coverage.

We covered a lot of techniques to lower your 2014 Subaru BRZ insurance auto insurance rates. The key thing to remember is the more providers you compare, the better likelihood of getting the cheapest auto insurance. Consumers may even find the lowest priced car insurance comes from some of the smallest insurance companies. Regional companies may only write in your state and offer lower premium rates than the large multi-state companies such as Progressive and GEICO.

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Comments About 2014 Subaru BRZ Insurance

  1. Melvin Banks

    Checking in from Baltimore, MD. Quoted quotes with 21st Century, American Family, Esurance, and GMAC for my BRZ and am saving around $270 a year. Was with Liberty Mutual. Moved home policy as well. Can still barely afford it.

  2. Ed Cunningham

    I’m in the north part of Miami, FL. I got free quotes from GEICO, Amica, and Erie for my 2014 Subaru BRZ and I think I saved around $40 each month. Was with Allstate. My new agent seems to be really good. It never hurts to quote around.

  3. Sadye Mcdowell

    Cheap is not always the best policy. Quoted with The General for my BRZ and saved about $370 a year.

  4. Nicky Mays

    If you have a good history and live in the vicinity of Chicago, Illinois, check out Allstate. They seem to be cheaper. Teenage drivers are expensive!

  5. Kalyn Walter

    Does Allstate have good claim service?

  6. Ossie Hale

    Here’s what I found out. I live on the south side of Norfolk, Virginia. Quoted prices online for a 2014 Subaru BRZ. Ended up at about $580 savings annually. Went with State Farm.

  7. Viva Mccormick

    When do I drop full coverage?

  8. Dora Newton

    If you’re a decent driver and live near Colorado Springs, CO, check out State Farm. They seem to be cheaper. I increased coverages a little too.

  9. Penny James

    I’m looking for cheaper coverage. From south side of Nashville, Tennessee. Can’t remember who all I quoted but I ended up saving about $40 each month. BTW speeding tickets are not good. I used their website to get prices.

  10. Izetta Benson

    Not sure if this is cheap. From Fort Smith, Arkansas. Got prices from Auto-Owners, MetLife, and Western Auto Insurance for my Subaru and cut my rates about $280 a year. Insured with Hanover before. I get lower rates because of my clean driving record. It was easy to get rates.