2016 Subaru BRZ Car Insurance Quotes

Trying to find cheaper insurance coverage rates for your Subaru BRZ? I really doubt anyone likes having to buy insurance coverage, particularly when it costs too dang much.

With vehicle owners having so many companies to choose from, it can be challenging to pick the right insurance coverage company.

Consumers need to take a look at other company’s rates as often as possible due to the fact that insurance prices change regularly. Even if you got the lowest rates for BRZ coverage six months ago a different company probably has better premium rates today. You can find a lot of wrong information about insurance coverage on the web, but in a few minutes you can learn some of the best ways to put money back in your pocket.

The purpose of this post is to let you in on how car insurance quotes work and some money-saving tips. If you have car insurance now, you will be able to reduce your rates substantially using these techniques. But car owners can benefit from knowing how big insurance companies compete online.

Earn discounts to get lower-cost auto insurance rates

Insuring your fleet can be pricey, but there’s a good chance there are discounts that many consumers don’t even know exist. A few discounts will automatically apply at quote time, but lesser-known reductions have to be inquired about before they will apply.

  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • Theft Deterent – Cars and trucks that have factory anti-theft systems can help prevent theft and earn discounts up to 10% off your car insurance quote.
  • Discount for Life Insurance – Auto insurance companies who offer life insurance give a lower rate if you buy life insurance.
  • Discounts for Responsible Drivers – Insureds without accidents can pay as much as 50% less for BRZ coverage compared to rates paid by drivers with frequent claims.
  • Low Miles Discount – Low annual miles can qualify you for lower premium rates due to less chance of an accident.
  • Discount for Home Ownership – Owning a home can save you money since home ownership shows financial diligence.
  • Passenger Safety Discount – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of 20 to 30 percent.

Just know that most discount credits are not given to the entire policy premium. Some only apply to individual premiums such as comp or med pay. Even though it appears all those discounts means the company will pay you, it just doesn’t work that way.

A few of the larger companies and a partial list of their discounts are:

  • State Farm policyholders can earn discounts including safe vehicle, multiple policy, anti-theft, defensive driving training, good student, and good driver.
  • Progressive may have discounts that include good student, online signing, homeowner, continuous coverage, multi-policy, and online quote discount.
  • Progressive includes discounts for good student, homeowner, online signing, continuous coverage, and online quote discount.
  • MetLife offers discounts including good student, accident-free, defensive driver, claim-free, and multi-policy.
  • Farm Bureau may offer discounts for safe driver, good student, driver training, 55 and retired, renewal discount, multi-vehicle, and youthful driver.
  • GEICO discounts include driver training, membership and employees, daytime running lights, federal employee, good student, air bags, and anti-lock brakes.
  • SAFECO has savings for accident prevention training, teen safe driver, drive less, homeowner, and safe driver.

If you need lower rates, check with every prospective company the best way to save money. A few discounts may not be available in your area. To view companies that offer discounts, follow this link.

The cheapest insurance coverage price quotes

To get cheaper car insurance quotes, there a variety of ways to compare quotes from many insurance coverage companies in your state. By far the easiest way to find competitive 2016 Subaru BRZ insurance rates consists of obtaining rate quotes online. This can be accomplished in just a few minutes using one of these methods.

If you don’t have a lot of time, the easiest way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This quick form prevents you from having to do separate quotes for each price estimate. A single form gets rate comparisons direct from many companies.

A harder way to compare rate quotes is going to each company website and go through the quote process again. For sake of this example, we’ll assume you want to see prices from Auto-Owners, Allstate and Liberty Mutual. You would have to take the time to go to each site to enter the same coverage data repeatedly, which can get rather old. For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just be sure to compare equivalent coverage data for each quote you get. If your comparisons have different coverage information you will not be able to make a fair rate comparison. Just a small difference in insurance coverages or limits can result in a big premium difference. Just keep in mind that more quotes helps improve the odds of finding more affordable insurance. Not every company does online price quotes, so it’s necessary to compare price estimates on coverage from those companies, too.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that can help discover if your insurance needs would benefit from an agent’s advice.

  • Is my teen driver covered when they drive my company car?
  • Is a blown tire covered by insurance?
  • Do I need rental car coverage?
  • Do I need PIP coverage since I have good health insurance?
  • Do I pay less if my vehicle is kept in my garage?
  • How much liability do I need to cover my assets?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Auto insurance coverage information

Having a good grasp of insurance aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are typical coverages found on the average insurance policy.

Liability coverages – Liability coverage protects you from damages or injuries you inflict on a person or their property. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things such as attorney fees, bail bonds, repair bills for other people’s vehicles, funeral expenses and medical expenses. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as theft, falling objects, a broken windshield, damage from flooding and hitting a deer. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverages – This coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like driving through your garage door, sustaining damage from a pot hole, crashing into a building, sideswiping another vehicle and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Subaru BRZ.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for immediate expenses for things like pain medications, nursing services, EMT expenses, X-ray expenses and surgery. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Saving money is sweet as honey

We just showed you quite a bit of information on how to reduce 2016 Subaru BRZ insurance premium rates online. The key concept to understand is the more you quote car insurance, the higher the chance of saving money. Consumers may even find the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. These companies often have lower prices on specific markets compared to the large companies like Allstate or State Farm.

More affordable car insurance can be found online and also from your neighborhood agents, and you should compare rates from both so you have a total pricing picture. A few companies do not provide online price quotes and most of the time these smaller providers sell through independent insurance agents.

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Comments About 2016 Subaru BRZ Insurance

  1. Darius Sweeney

    This is too expensive. From a town just southwest of Charleston, SC. Got quotes with American Family, Sentry, and some smaller one I can’t remember the name of for my BRZ and I’m now saving $32 a month. Left Farmers to switch. I have several vehicles insured with them.

  2. Spencer Puckett

    Allstate was cheapest for my 2016 Subaru BRZ in Saint Paul, MN.

  3. Shella Kidd

    I live east of New York City, NY. Got quotes from AAA, Mercury, and Western Auto Insurance for my Subaru and I’m now saving $56 a month. Insured with Hartford before. Teenage drivers are expensive! It was easy to get rates.

  4. Lynell Mcmahon

    All companies are crooks. Checking in from Provo, UT. I quoted with State Farm, Amica, and some I forget for my BRZ and I’m now saving $29 a month. Was with Erie. Have a couple speeding tickets too. Wish I didn’t have to insure at all.

  5. Patrice Weiss

    Just my two cents. I live in a small town just outside of Fargo, ND. Quoted prices online for a 2016 Subaru BRZ. Ended up at about $290 savings annually. Went with Progressive. You can get a rate quote online.

  6. Rachal Ford

    Not sure what I should be paying. From Springfield, Massachusetts. Received quotes from Sentry, Farmers, Progressive, and Auto-Owners for my BRZ and saved just over $190 a year. Left GEICO to switch. God forbid I actually have a claim.

  7. Danae Garcia

    I’m in the suburbs of Rutland, VT. Not sure of all the companies but I ended up saving about $40 each month. Not sure if rates are cheaper online or not.

  8. Ruben Tillman

    Nice info. Lifelong resident of Wichita, KS. I got free prices from Travelers, Auto-Owners, Hanover, and Mercury for my 2016 Subaru BRZ and saved $471 a year. I get lower rates because of my clean driving record.

  9. Janessa Mcdaniel

    Lifelong resident of Overland Park, KS. Went online for free insurance quotes for a 2016 Subaru BRZ. Ended up at about $370 savings annually. Went with State Farm. Thankfully I have a good driving record. It’s still not cheap enough.

  10. Marianne Alvarez

    Is 21st Century or Erie cheap in Tucson, AZ?

  11. Bart Gordon

    I live in a small town just outside of Honolulu, HI. Quoted quotes with Liberty Mutual, AAA, Nationwide, and a couple others for my 2016 Subaru BRZ and I’m now saving $33 a month. BTW speeding tickets are not good. It never hurts to quote around.

  12. Melina Dominguez

    I think State Farm has low rates in Massachusetts. For me anyway.