2015 Subaru BRZ Car Insurance Rates

Trying to find the cheapest car insurance rates? Buyers have lots of choices when searching for the best price on Subaru BRZ insurance. You can either waste hours calling around getting price quotes or save time using the internet to get rate quotes. There is a better way to compare car insurance rates so we’re going to tell you the proper way to price shop coverage for a Subaru and locate the cheapest rates from local insurance agents and online providers.

The fastest way that we advise to get policy rate comparisons is to know most larger insurance companies participate in a system to provide you with free rate quotes. All you need to do is give them rating details including whether the vehicles are used for commuting, if you require a SR-22, your education level, and what you do for a living. Your rating data is instantly sent to multiple auto insurance providers and you receive quotes instantly.

Subaru BRZ insurance rate factors

Multiple criteria are used in the calculation when you get your auto insurance bill. Some are pretty understandable like your driving record, although others are not as apparent such as your marital status or your vehicle rating.

The itemized list below are some of the items insurance companies consider when setting your rates.

  • Defend yourself with liability insurance – Liability insurance will afford coverage if you are found to be at fault for an accident. It will provide legal defense which can cost a lot. Carrying liability coverage is mandatory and cheap compared to comp and collision, so insureds should have plenty of protection for their assets.
  • Men drivers tend to cost more – Over the last 30 years, statistics show that females tend to be a little less risky than males. This data doesn’t prove that females are better drivers. Both genders cause auto accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. They also receive more major tickets like driving under the influence (DUI).
  • Employer reflects on prices – Jobs like doctors, business owners and medical professionals are shown to have the highest rates in part from high stress levels and lots of time spent away from family. Other occupations like farmers, students and retirees have lower than average premiums on BRZ insurance.
  • Bundling policies can get discounts – Most larger insurance companies give discounts for people who carry more than one policy in the form of a multi-policy discount. Even with this discount applied, consumers should still check prices from other companies to ensure the best deal.There is a chance you can save money even if you insure with multiple companies
  • Avoid tickets and save – How you drive impacts premiums far more than you think. Good drivers have lower premiums as compared to those with violations. Having just one ticket can increase rates by as much as thirty percent. Drivers who have severe violations such as hit and run, DWI or reckless driving convictions may need to maintain a SR-22 with their state motor vehicle department in order to legally drive a vehicle.
  • Consider raising coverage deductibles – Insurance for physical damage to your car, also called comprehensive and collision insurance, helps pay for damage to your vehicle. Some examples of covered claims could be running into the backend of another car, hitting a deer, or theft. The deductibles you choose are how much you are willing to pay in the event of a claim. The higher the amount the insured has to pay upfront, the less your insurance will be on BRZ insurance.
  • Youthful drivers cost more – Beginning drivers tend to be less responsible when at the wheel of a vehicle so they pay higher insurance rates. Older drivers are more cautious drivers, file fewer claims and receive fewer citations.

Get affordable insurance quotes with discounts

Properly insuring your vehicles can get expensive, but you can get discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically at the time of purchase, but some need to be requested specifically before you get the savings.

  • Good Drivers – Accident-free drivers may save up to 50% more on BRZ insurance than drivers with accidents.
  • Defensive Driver Discount – Passing a defensive driving course could cut 5% off your bill and make you a better driver.
  • Multi-car Discount – Purchasing coverage when you have all your vehicles with the same insurance company could earn a price break for each car.
  • Data Collection Discounts – Drivers who elect to allow driving data collection to analyze driving manner by using a telematics device such as Progressive’s Snapshot could save a few bucks if their driving habits are good.
  • Seat Belts Save more than Lives – Drivers who require all vehicle occupants to use their safety belts can save a little off the PIP or medical payment premium.
  • Fewer Miles Equal More Savings – Driving less can qualify you for substantially lower premium rates.
  • Active Service Discounts – Being on active deployment in the military could trigger a small discount.
  • Life Insurance – Select insurance companies reward you with lower insurancerates if you buy auto and life insurance together.
  • Distant Student Discount – who are attending college without a vehicle on campus can be insured at a reduced rate.

One last thing about discounts, many deductions do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, you’re out of luck.

A few of the larger companies and a summarized list of policyholder discounts are:

  • GEICO offers discounts for anti-lock brakes, driver training, multi-policy, seat belt use, air bags, five-year accident-free, and membership and employees.
  • MetLife may include discounts for claim-free, good student, multi-policy, accident-free, defensive driver, and good driver.
  • State Farm includes discounts for student away at school, safe vehicle, good driver, Steer Clear safe driver discount, anti-theft, and multiple autos.
  • Progressive has discounts for online quote discount, multi-policy, homeowner, continuous coverage, online signing, good student, and multi-vehicle.
  • Mercury Insurance discounts include age of vehicle, location of vehicle, anti-theft, type of vehicle, multi-policy, and low natural disaster claims.
  • 21st Century policyholders can earn discounts including early bird, defensive driver, homeowners, good student, anti-lock brakes, and 55 and older.
  • Allstate offers discounts including auto/life discount, good payer, eSmart discount, utility vehicle, and multi-policy.

When quoting, ask each company or agent how you can save money. A few discounts may not apply to policyholders in your area.

Tailor your insurance coverage to you

When buying adequate coverage, there really is no one size fits all plan. Every situation is different.

For instance, these questions might point out if your insurance needs would benefit from professional advice.

  • I have a DUI can I still get coverage?
  • How do I file an SR-22 for a DUI in my state?
  • Is my teenager covered with friends in the car?
  • Do I have coverage if my license is suspended?
  • I have good health insurance, so how much medical payments coverage do I need?
  • When should I remove comp and collision on my 2015 Subaru BRZ?
  • Is my nanny covered when driving my vehicle?
  • Am I covered if I hit my neighbor’s mailbox?
  • What if I owe more than I can insure my car for?
  • What are the financial responsibility laws in my state?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.

Coverage specifics

Knowing the specifics of your insurance policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Coverage for medical payments

Med pay and PIP coverage reimburse you for immediate expenses for things like ambulance fees, prosthetic devices and doctor visits. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sustaining damage from a pot hole, crashing into a ditch, hitting a parking meter and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Liability

Liability coverage will cover damages or injuries you inflict on other’s property or people that is your fault. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like repair costs for stationary objects, attorney fees, loss of income and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive coverages

This covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, damage from a tornado or hurricane and hitting a bird. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your Subaru BRZ.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

The best insurance company isn’t always the cheapest

When getting car insurance quotes online, never reduce needed coverages to save money. In many cases, an insured cut full coverage only to regret at claim time they didn’t purchase enough coverage. The aim is to buy the best coverage you can find at the best price.

Drivers change insurance companies for a variety of reasons including unfair underwriting practices, not issuing a premium refund, policy cancellation and high rates after DUI convictions. No matter why you want to switch, finding a new company is not as hard as you think.

We covered a lot of techniques to lower your 2015 Subaru BRZ insurance prices. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding the cheapest car insurance. Consumers may even find the best price on insurance is with some of the lesser-known companies.

More tips and info about insurance can be found in these articles:

Comments About 2015 Subaru BRZ Insurance

  1. Odell Bell

    Affordable car insurance is a myth. Located in Rio Rancho, New Mexico. Quoted with AIG Insurance, MetLife, and USAA for my BRZ and saved just over $290 a year. BTW speeding tickets are not good.

  2. Iola Leach

    Enjoyed the article. I live east of Portland, ME. Quoted with Western Auto Insurance, American Family, Hartford, and MetLife for my BRZ and saved $252 a year. I got prices on the web.

  3. Brittany Hunter

    Checking in from Fargo, North Dakota. Got prices from AIG Insurance, Safeco, and some smaller one I can’t remember the name of for my Subaru and saved just over $150 a year. I get multi-vehicle and multi-policy discounts.

  4. Tommie Barker

    Does Wisconsin require a SR-22 after a DUI?

  5. Margene Case

    Got pretty cheap 2015 Subaru BRZ insurance from GEICO in Philadelphia, PA.

  6. Love Albert

    I live just to the east of Idaho Falls, ID. Got car insurance quotes with Allstate, Hartford, and Encompass for my 2015 Subaru BRZ and I think I cut my rates about $60 each month. Insured with 21st Century before. Moved home policy as well. It’s still not cheap enough.

  7. Asley Randall

    I got quite a few price quotes for a 2015 Subaru BRZ in Newark, Delaware. Ended up at about $580 every six months with Auto-Owners.

  8. Bill Barnes

    In Cincinnati, OH compare State Farm with GEICO and see which is best.

  9. Zula Carney

    Went with Nationwide for my BRZ and saved about $450 a year.