2017 Subaru WRX Car Insurance Cost – 7 Ideas for Cheapest Prices

Want cheaper car insurance rates? Drivers have many options when trying to find low-cost Subaru WRX insurance. You can either spend your time calling around to get rate comparisons or utilize the internet to compare rates.

There is a better way to compare car insurance rates and you need to know the proper way to quote coverages on a Subaru and obtain the lowest possible price from local insurance agents and online providers.

Shop insurance coverage online

There are a lot of ways to compare insurance coverage quotes, and some are easier and takes less work. You can waste a few hours (or days) driving to insurance companies in your area, or you could save time and use the web to accomplish the same thing much quicker.

The majority of car insurance companies belong to an insurance system where insurance shoppers send in one quote, and each company returns a rated price based on the submitted data. This system prevents you from having to do repetitive form submissions to each company. To enter your information into the quoting system, click here to start a free quote.

One minor caviat to comparing rates this way is you don’t know exactly which providers to get quotes from. So if you prefer to choose specific providers to compare, we have a page of the cheapest insurance coverage companies in your area. View list of insurance companies.

Whichever way you use, try to use nearly identical coverage information on every quote you get. If you use higher or lower deductibles it will be next to impossible to determine which company has the best rates.

Get cheaper auto insurance quotes with discounts

Companies offering auto insurance don’t necessarily list every discount in an easy-to-find place, so the below list has both the well known as well as the least known discounts that you may qualify for.

• Safety Restraint Discount – Using a seat belt and requiring all passengers to fasten their seat belts can save 10% or more on the medical payments or PIP coverage costs.
• Home Ownership Discount – Owning your own home or condo can get you a discount because owning a home means you have a higher level of financial diligence.
• Senior Citizen Discount – Seniors can get a small decrease in premiums on WRX coverage.
• New Car Discount – Buying a new car instead of a used car is cheaper because newer models are generally safer.
• Discounts for Responsible Drivers – Safe drivers could pay up to 40% less on WRX coverage than drivers with accidents.
• Passive Restraints – Vehicles with factory air bags or motorized seat belts may earn rate discounts up to 30%.
• Auto/Home Discount – When you have multiple policies with the same insurance company you may save 10% to 20% off each policy.

A quick disclaimer, many deductions do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, companies wouldn’t make money that way. Any qualifying discounts will definitely lower your policy cost.

A few popular companies and their possible discounts are outlined below.

• State Farm includes discounts for Steer Clear safe driver discount, anti-theft, defensive driving training, accident-free, and passive restraint.
• Progressive may include discounts for online quote discount, online signing, multi-policy, good student, and homeowner.
• Travelers offers premium reductions for payment discounts, multi-policy, new car, IntelliDrive, continuous insurance, and early quote.
• American Family may offer discounts for multi-vehicle, mySafetyValet, good student, early bird, good driver, and Steer into Savings.
• Liberty Mutual policyholders can earn discounts including newly retired, new move discount, good student, preferred payment discount, exclusive group savings, new graduate, and teen driver discount.

It’s a good idea to ask each insurance company which discounts you qualify for. Some of the discounts discussed earlier may not apply in your area. If you would like to see a list of insurers who offer online auto insurance quotes, follow this link.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s needs are different.

For example, these questions can aid in determining if you could use an agent’s help.

• Can I make deliveries for my home business?
• What discounts do I qualify for?
• Do I have coverage when using my vehicle for my home business?
• How much can I save by bundling my policies?
• Are my tools covered if they get stolen from my vehicle?
• Is a blown tire covered by insurance?
• Why is insurance for a teen driver so high?
• Is my ex-spouse still covered by my policy?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverages explained

Having a good grasp of your policy can be of help when determining the best coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.

Liability coverages

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

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims like emergency aid, structural damage, court costs, bail bonds and pain and suffering. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Collision insurance

Collision coverage covers damage to your WRX resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as crashing into a ditch, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Subaru WRX.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits are set the same as your liablity limits.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for short-term medical expenses such as pain medications, surgery and chiropractic care. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance

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

Comprehensive coverage pays for things like damage from a tornado or hurricane, hitting a deer, damage from flooding, theft and fire damage. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.