Lower Your 2017 Subaru Crosstrek Car Insurance Quotes

Buyers have options when searching for the lowest priced Subaru Crosstrek insurance. You can either waste hours driving around getting price quotes or leverage the internet to compare rates.

There is a better way to find insurance online so we’re going to tell you the absolute fastest way to get price quotes on a Subaru and get the cheapest rates from local insurance agents and online providers.

The purpose of this post is to help you learn how car insurance quotes work and some tips to save money. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these tips. Vehicle owners just need to understand how to shop for insurance on the web.

How to compare free car insurance price quotes

There are multiple methods you can shop for car insurance but some are easier and takes less work. You can waste a few hours (or days) talking to agents in your area, or you could save time and use the internet to get prices fast.

Most of the larger companies belong to a marketplace that allows shoppers to submit one quote, and every company returns a competitive quote. This prevents consumers from doing quotation requests to every company.

To use this form to compare rates click to open in new window.

The only drawback to using this type of system is that you can’t choose the providers to get pricing from. If you would rather choose individual companies to receive pricing from, we put together a list of companies who write car insurance in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just be sure you’re using identical coverage information on every quote you get. If you enter different limits and deductibles on each one then you won’t be able to determine the lowest rate for your Subaru Crosstrek.

Big names are not always cheapest

Drivers get pounded daily by advertisements that claim the lowest rates from the likes of State Farm, Allstate and Geico. All the companies advertise claims that drivers can save some big amount if you move your auto insurance policy to them.

Is it even possible that every company can say the same thing? Here is the trick they use.

Auto insurance companies quote their cheapest rates for the right customer that makes them money. For example, a preferred risk may be married and over the age of 30, has no tickets, and drives less than 7,500 miles a year. Any person who matches those parameters will probably get the lowest premium rates and therefore will cut their rates if they switch.

Drivers who are not a match for these standards may be forced to pay a higher rate and this can result in business going elsewhere. If you listen to the ad wording, they say “people that switch” not “everyone who quotes” can get the lowest rates when switching. This is how companies can truthfully make those statements.

This really emphasizes why you really need to get car insurance quotes from several different companies. You cannot predict which company will give you the biggest savings.

Don’t overlook these insurance coverage discounts

Insuring your vehicles can cost a lot, but you may qualify for discounts that may help make it more affordable. Certain discounts will be applied at quote time, but some may not be applied and must be specially asked for in order for you to get them.

• Federal Employees – Having worked for a branch of the government could cut as much as 10% off on Crosstrek insurance depending on your insurance coverage provider.
• Pay Early and Save – By paying your entire bill at once instead of monthly or quarterly installments you may reduce your total bill.
• Switch and Save Discount – Some companies reward drivers for renewing your policy early. It could save around 10% when you buy car insurance online.
• Driver Education Discount – Teen drivers should successfully complete driver’s ed class as it will make them better drivers and lower rates.
• Defensive Driver – Successfully completing a defensive driving course could earn you a small percentage discount if you qualify.
• Responsible Drivers – Drivers who avoid accidents could pay up to 40% less on Crosstrek insurance than less cautious drivers.
• Bundle and Save – If you can bundle your home and auto insurance and place coverage with the same company you may save up to 20% off your total premium.
• Anti-theft Discount – Cars equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
• ABS Braking Discount – Cars and trucks with anti-lock braking systems prevent accidents and will save you 10% or more.

Keep in mind that most discounts do not apply to the entire policy premium. The majority will only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, that’s just not realistic. Any amount of discount will lower your premiums.

Some of the larger companies that have some of the discounts shown above include:

• State Farm
• Nationwide
• Geico
• AAA
• 21st Century
• The Hartford

If you need lower rates, check with every company which discounts can lower your rates. All car insurance discounts might not be available to policyholders everywhere.

When to get professional advice

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different.

For example, these questions can help discover whether your personal situation would benefit from professional advice.

• Are rental cars covered under my policy?
• How many claims can I have before being cancelled?
• What can I do if my company denied a claim?
• Should I bundle my homeowners policy with my auto?
• Does my insurance cover a custom paint job?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Will my vehicle be repaired with OEM or aftermarket parts?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.

Auto insurance coverage specifics

Knowing the specifics of your auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement.

Comprehensive auto insurance

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

Comprehensive can pay for claims like damage from flooding, damage from a tornado or hurricane, falling objects, fire damage and hail damage. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for expenses such as rehabilitation expenses, X-ray expenses and dental work. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Collision insurance

Collision coverage will pay to fix damage to your Crosstrek resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a building, colliding with a tree, hitting a parking meter and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Subaru Crosstrek.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability

This coverage protects you from damage that occurs to other’s property or people that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as emergency aid, court costs, bail bonds and loss of income. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Power to the consumer

When shopping online for auto insurance, you should never skimp on critical coverages to save a buck or two. There are too many instances where an insured cut collision coverage to discover at claim time they didn’t have enough coverage. The aim is to buy enough coverage at the best possible price, but don’t skip important coverages to save money.

We just covered some good ideas how you can shop for 2017 Subaru Crosstrek insurance online. The most important thing to understand is the more times you quote, the better your comparison will be. You may even find the lowest priced auto insurance comes from an unexpected company.

There are still a few companies who do not offer rate quotes online small insurance companies work with local independent agencies. Cheaper auto insurance can be found online and from local agencies, so compare prices from both in order to have the best chance of saving money.

More information is available below:

• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Teen Driving and Texting (State Farm)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Parking Tips to Reduce Door Dings (State Farm)
• Auto Crash Statistics (Insurance Information Insitute)
• What is a Telematics Device? (Allstate)