Save on 2014 Subaru XV Crosstrek Insurance Quotes

Consumers have options when looking for affordable Subaru XV Crosstrek insurance. They can either waste time driving around trying to get quotes or leverage the internet to make rate comparisons. There is a better way to buy insurance coverage so you’re going to learn the absolute fastest way to compare rates for a new or used Subaru and get the best price possible from local insurance agents and online providers.

Smart consumers take time to check insurance coverage prices before your next renewal since insurance rates change frequently. Even if you got the best deal for XV Crosstrek coverage on your last policy you will most likely find a better price today. Forget all the misinformation about insurance coverage because you’re about to find out the easiest way to reduce your cost while improving coverage.

How to buy insurance

The majority of larger companies such as 21st Century, Allstate and State Farm make it easy to get prices for coverage on their websites. Obtaining pricing doesn’t take much effort because it’s just a matter of typing in the amount of coverage you want on the page. When the form is submitted, the company’s rating system pulls information on your driving record and credit history and quotes a price based on these factors.

Online price quotes streamlines rate comparisons, but the work required to visit several different sites and type in the same information can be a bit tiresome and repetitive. But it’s very important to compare as many rates as possible in order to find lower prices.

The smarter way to compare rates uses one simple form to get prices from multiple companies. The form is fast, eliminates repetitive work, and makes price shopping online much easier to do. After sending the form, it is quoted and you can choose your choice of the quote results. If the quotes result in lower rates, you simply finish the application and purchase coverage. It takes just a few minutes to complete and may save quite a bit of money.

If you want to compare pricing, click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended you copy the insurance coverages as close as possible to your current policy. This guarantees you will be getting a price comparison based on similar coverages.

Find hidden discounts to get affordable insurance coverage rates

Insurance coverage can be pricey, but there could be significant discounts that may help make it more affordable. Some trigger automatically at the time you complete a quote, but once in a while a discount must be asked for in order for you to get them. If you check and find you aren’t receiving every discount you deserve, you may be paying too high a price.

• Passive Restraints and Air Bags – Cars that have air bags may qualify for discounts of 25 to 30%.
• Online Discount – A few companies may give you up to $50 for completing your application on the web.
• Theft Prevention System – Cars, trucks, and SUVs with anti-theft systems can help prevent theft so companies will give you a small discount.
• Discount for New Cars – Insuring a new car can save up to 30% because newer vehicles are generally safer.
• Early Signing – A few companies give discounts for switching policies before your current expiration date. The savings is around 10%.
• Anti-lock Brakes – Cars and trucks that have steering control and anti-lock brakes can stop better under adverse conditions and earn discounts up to 10%.

Don’t be shocked that most credits do not apply to your bottom line cost. Most only apply to the cost of specific coverages such as medical payments or collision. Even though the math looks like you could get a free insurance coverage policy, nobody gets a free ride.

A list of insurance coverage companies and some of the discounts are shown below.

• State Farm policyholders can earn discounts including defensive driving training, good driver, Drive Safe & Save, driver’s education, student away at school, Steer Clear safe driver discount, and passive restraint.
• Esurance offers discounts including paid-in-full, renters, safety device, online quote, anti-theft, multi-car, and claim free.
• Progressive has savings for multi-vehicle, multi-policy, continuous coverage, online quote discount, homeowner, online signing, and good student.
• Liberty Mutual may have discounts that include safety features, preferred payment discount, new graduate, new vehicle discount, and good student.
• Auto-Owners Insurance has discounts for air bags, group or association, paperless, teen driver, mature driver, and safe driver.
• Geico includes discounts for anti-theft, good student, federal employee, emergency military deployment, multi-policy, membership and employees, and multi-vehicle.

If you want low cost insurance coverage quotes, ask each company how you can save money. Some discounts listed above may not apply to policyholders in your area. To view insurers with discount rates, click here.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine if your situation will benefit from professional help.

• Should I carry comprehensive and collision coverage?
• How can I get high-risk coverage after a DUI?
• Do I have newly-aquired coverage?
• Am I covered if I hit a deer?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Does my 2014 Subaru XV Crosstrek qualify for pleasure use?
• Who is covered by my policy?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, complete this form. It is quick, free and can provide invaluable advice.

Insurance coverages 101

Knowing the specifics of your insurance policy aids in choosing appropriate coverage for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy.

Liability insurance

Liability coverage can cover damage or injury you incur to people or other property in an accident. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

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 liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like funeral expenses, loss of income and bail bonds. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive auto coverage

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a bird, a broken windshield, fire damage and hail damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Subaru XV Crosstrek.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverage

Collision coverage covers damage to your XV Crosstrek resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as driving through your garage door, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like prosthetic devices, hospital visits and pain medications. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

More comparisons equals lower rates

We just showed you many tips how you can shop for 2014 Subaru XV Crosstrek insurance online. The most important thing to understand is the more price quotes you have, the better your chances of lowering your premium rates. Drivers may discover the most savings is with some of the lesser-known companies.

Lower-priced auto insurance is definitely available both online and from local insurance agents, so you need to quote insurance coverage with both in order to have the best chance of saving money. Some insurance providers may not offer rate quotes online and these regional carriers only sell through local independent agencies.

As you prepare to switch companies, you should never buy less coverage just to save a little money. There have been many cases where an insured cut liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. The aim is to buy a smart amount of coverage at an affordable rate and still be able to protect your assets.

Additional detailed information can be found in these articles:

• Insuring a Leased Car (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)
• Information for Teen Drivers (Geico)
• Vehicle Size and Weight FAQ (iihs.org)