Cheaper 2015 Subaru WRX Insurance Rates

Trying to find the cheapest insurance rates for your Subaru WRX? Have you had enough of being strong-armed to pay your insurance bill each month? You’re in the same situation as many other consumers.

Due to the fact that there are so many insurance providers from which to choose, it’s nearly impossible to choose the best insurance company.

Where can I get low cost insurance coverage?

Comparing insurance coverage rates is a ton of work if you aren’t aware of the most efficient way to do it. You can waste hours talking to local insurance agents in your area, or you could use the internet to get rates in a matter of minutes.

Many insurance companies take part in a program where prospective buyers enter their policy data once, and each company returns a competitive quote based on the submitted data. This saves time by eliminating quote forms for each company you want a rate for.

To find out how much you’re overpaying now click here (opens in new window).

The only downside to comparing rates this way is you don’t know exactly which insurance companies to get pricing from. So if you prefer to pick from a list of companies to compare prices, we have assembled a list of the cheapest insurance coverage companies in your area. Click to view list.

Whichever way you use, ensure you are comparing the same coverage information for every company. If your comparisons have different limits and deductibles on each one you will not be able to determine which company has the best rates. Quoting even small variations in insurance coverages or limits may result in a large different in cost. And when comparing insurance coverage rates, know that getting more free quotes helps you find better pricing. Some insurance companies are not set up to provide online price quotes, so it’s important to also get price estimates from them, too.

Lower-cost insurance rates with discounts

Some insurers do not list all possible discounts in an easy-to-find place, so the list below contains both well-publicized and the harder-to-find savings tricks you should be using when you buy insurance online.

  • Senior Discount – Seniors could receive a slight reduction on a insurance quote for WRX insurance.
  • Payment Method – If you pay your entire premium ahead of time rather than paying in monthly installments you may reduce your total bill.
  • Distant Student Discount – living away from home attending college and won’t have access to an insured vehicle may qualify for this discount.
  • Telematics Data Discounts – Insureds that choose to allow their company to analyze driving manner by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if they show good driving skills.
  • Seat Belt Usage – Drivers who require all occupants to buckle up before driving may be able to save a few bucks off the medical payments premium.
  • Memberships – Having an affiliation with a qualifying organization is a good way to get lower rates when shopping for insurance.
  • Anti-lock Brakes – Vehicles that have steering control and anti-lock brakes are much safer to drive and earn discounts up to 10%.
  • Discounts for Multiple Vehicles – Having multiple vehicles with the same company qualifies for this discount.
  • Renewal Discounts – Select insurance companies give a discount for signing up early. You could save around 10% when you buy insurance online.
  • Homeowners Savings – Just being a homeowner may earn you a small savings since home ownership means you have a higher level of financial diligence.

You can save money using discounts, but most discounts do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like comp or med pay. So when it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

Companies and the discounts they provide are included below.

  • 21st Century has discounts for teen driver, 55 and older, defensive driver, anti-lock brakes, student driver, automatic seat belts, and theft prevention.
  • State Farm policyholders can earn discounts including multiple autos, passive restraint, driver’s education, student away at school, accident-free, and Steer Clear safe driver discount.
  • AAA offers premium reductions for multi-car, education and occupation, AAA membership discount, multi-policy, pay-in-full, and good student.
  • Liberty Mutual may offer discounts for multi-car, exclusive group savings, hybrid vehicle, multi-policy, new graduate, teen driver discount, and new vehicle discount.
  • Progressive offers discounts for multi-policy, online quote discount, online signing, continuous coverage, and multi-vehicle.

If you need low cost insurance quotes, ask every insurance company to give you their best rates. All car insurance discounts might not be offered on policies in your state. To see providers that provide some of the discounts listed above, follow this link.

Decisions you make can impact your insurance premiums

Many different elements are part of the equation when you get your auto insurance bill. Some of the criteria are obvious such as your driving record, but some are less obvious such as your credit history or your vehicle rating.When buying auto insurance it’s important to understand some of the elements that play a part in calculating auto insurance rates. If you have some idea of what determines premiums, this empowers consumers to make smart changes that could help you find lower premium levels.

The following are some of the major factors used by companies to determine your rate level.

  • Consider raising deductibles – Physical damage coverage, also called comprehensive and collision insurance, is used to repair damage to your Subaru. Some instances where coverage would apply could be a dented fender, damage from fire, and rolling your vehicle. Comp and collision deductibles represent how much money you are required to pay if a claim is determined to be covered. The larger the amount the insured is willing to pay, the lower your rates will be for WRX insurance.
  • Cheaper to insure gals? – Statistics demonstrate that females take fewer risks when driving. This data doesn’t prove that women are BETTER drivers than men. Females and males cause auto accidents at about the same rate, but men cause more damage. Men also tend to receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.
  • Mature drivers save more – More experienced drivers tend to be more responsible, are lower risk to insure and are safer drivers.Young drivers have a tendency to be easily distracted when driving with friends so they pay higher auto insurance rates.
  • Obey driving laws and save – Even one moving violation could increase your next policy renewal forty percent or more. Attentive drivers get better prices than bad drivers. Drivers who have severe citations like hit and run, DWI or reckless driving convictions may need to maintain a SR-22 to the state department of motor vehicles in order to keep their license.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether your personal situation may require specific advice.

  • Should I waive the damage coverage when renting a car?
  • Can I afford to pay high deductible claims out of pocket?
  • Am I covered if I crash into my own garage door?
  • What companies insure drivers after a DUI or DWI?
  • Is extra glass coverage worth it?
  • Does my insurance cover a custom paint job?
  • What should my uninsured motorist coverage limits be in my state?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I need to file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Insurance coverage advertising gotchas

Insurance coverage providers like State Farm, Allstate and GEICO regularly use ads in print and on television. All the ads advertise claims about how much you will save if you switch your insurance coverage coverage to their company. Is it even possible that every company can lower your prices? This is the trick they use.

Insurance providers have underwriting criteria for a prospective insured that earns them a profit. One example of a profitable customer may be a married female, carries full coverage, and drives a lower-performance vehicle. A propective insured that hits that “sweet spot” may get the lowest prices and will save a lot if they switch.

Drivers who may not quite match the ideal profile may be forced to pay a higher rate which results in the driver buying from a lower-cost company. If you listen to the ad wording, they say “customers that switch” not “everyone that quotes” save that much. This is how insurance companies can advertise the way they do.

This emphasizes why you need to compare free insurance quotes often. It’s not possible to predict which insurance coverage company will have the best rates for your profile.

The coverage is in the details

Learning about specific coverages of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are the usual coverages available from insurance companies.

UM/UIM Coverage

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your 2015 Subaru WRX.

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. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits are set the same as your liablity limits.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for expenses for things like dental work, doctor visits, prosthetic devices and hospital visits. They are used to fill the gap from your health insurance plan or if you do not have health coverage. It covers you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This coverage provides protection from damage or injury you incur to people or other property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as funeral expenses, pain and suffering, loss of income and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive or Other Than Collision

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a deer, hail damage, fire damage, damage from flooding and hitting a bird. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision insurance

This pays to fix your vehicle from damage from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as damaging your car on a curb, colliding with another moving vehicle, driving through your garage door and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Keep this in mind

We just showed you a lot of information how to get a better price on 2015 Subaru WRX insurance. The key thing to remember is the more price quotes you have, the higher your chance of finding cheap insurance. Consumers may even find the lowest premium rates are with a company that doesn’t do a lot of advertising. Some small companies often have lower prices on specific markets than their larger competitors like Allstate and Progressive.

When buying insurance coverage, never skimp on coverage in order to save money. There have been many cases where someone sacrificed full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your focus should be to get the best coverage possible at the best cost while not skimping on critical coverages.

Lower-priced insurance coverage is attainable both online and from local insurance agents, and you should compare price quotes from both so you have a total pricing picture. A few companies may not provide the ability to get quotes online and usually these smaller providers only sell coverage through local independent agencies.

Even more information can be found by following these links:

Comments About 2015 Subaru WRX Insurance

  1. Wendy Cline

    From a town just southwest of Virginia Beach, VA. Quoted rates from AAA, Eastwood, and Safeco for my 2015 Subaru WRX and saved $539 a year. :)

  2. Darcie Cantu

    Allstate is pretty cheap in Kentucky! :)

  3. Morgan Lynn

    Cheaper car insurance is a myth. I’m just east of San Antonio, Texas. Quoted with Amica, Safeco, and Travelers for my Subaru and I’m now saving $56 a month. Got better coverage too. Not sure about claim service.

  4. Malorie Wilkinson

    Cheap is relative. I’m in Chicago, Illinois. Not sure of all the companies but I ended up saving about $60 each month. Not sure about claim service.

  5. Stasia Delacruz

    Not sure what I should be paying. I live in a small town just outside of Las Cruces, NM. I compared lots of rates. Saved about $30 a month. GEICO was the cheapest for me. Switched homeowners coverage too.

  6. Bradly Terry

    Not sure what I should be paying. I live in a small town just outside of San Diego, CA. Can’t remember who all I quoted but I ended up saving about $40 each month. Insured with Hanover before. It was easy to get rates.

  7. Irene Romero

    Just a quick comment on my experience. I’m in the suburbs of Montgomery, AL. Received rates from Progressive, Auto-Owners, Erie, and Hanover for my WRX and saved just over $280 a year. Insured with Auto-Owners before. They have free quotes online.

  8. Yoko Ramos

    Got a quote with GEICO for my Subaru and saved about $170 a year. Was with Liberty Mutual. I think they have home insurance too.

  9. Britni Rosario

    GEICO is cheapest in California! :)