2018 Subaru Crosstrek Insurance Cost – 9 Policy Discounts

Want lower auto insurance rates for your Subaru Crosstrek? Are you a victim of overpriced auto insurance? Don’t feel bad because there are many drivers thinking the same thing. Due to the abundance of auto insurance companies to choose from, it is hard for the average consumer to locate the best insurance company.

It’s smart to get comparison quotes on a regular basis since insurance prices fluctuate regularly. Just because you had the lowest price for Crosstrek insurance two years ago there may be better deals available now. You can find a lot of wrong information about auto insurance on the web, but in this article, you’re going to get some great ideas on how to lower your auto insurance bill.

This information will help educate you on how to effectively get price quotes and some tips to save money. If you have car insurance now, you should be able to save some money using these tips. Consumers just need to understand how to compare company rates over the internet.

How to get low cost insurance coverage

There are a lot of ways to shop for insurance coverage, but some are more efficient than others. You can spend countless hours talking to local insurance agents in your area, or you could use the internet for quick rates.

Most major companies enroll in a system where insurance shoppers send in one quote, and each participating company can give them a price determined by their information. This eliminates the need for quote forms to every company. To enter your information into the quoting system, click here to start a free quote.

The one downside to using this type of system is you can’t choose the providers to receive prices from. So if you prefer to choose individual companies to compare rates, we have a page of the cheapest insurance coverage companies in your area. View list of insurance companies.

Compare rates however you want, just try to keep exactly the same coverage limits and deductibles for each quote you get. If each company quotes different liability limits you will not be able to truly determine the lowest rate.

Take these nine policy discounts and save

Some insurance providers don’t always list every possible discount very clearly, so the list below details both the well known as well as some of the hidden credits available to lower your premiums when you buy auto insurance online.

  • Discount for Good Grades – Performing well in school may save as much as 25% on a auto insurance quote. This discount can apply up until you turn 25.
  • Accident Free – Claim-free drivers pay much less in comparison with policyholders that have many claims.
  • Savings for New Vehicles – Buying a new car instead of a used car is cheaper since new model year vehicles are generally safer.
  • Low Mileage Discounts – Fewer annual miles on your Subaru can qualify you for discounted rates on garaged vehicles.
  • Distant Student Discount – Older children who live away from home to go to college without a vehicle on campus can be insured at a reduced rate.
  • Defensive Driving Course – Participating in a safe driver course is a good idea and can lower rates and easily recoup the cost of the course.
  • Cautious Driver Discount – Accident-free drivers could pay up to 40% less for Crosstrek insurance compared to accident prone drivers.
  • Driver’s Education for Students – It’s a good idea to have your young drivers take driver’s ed class in school.
  • Telematics Data – People who choose to allow companies to look at when and where they use their vehicle by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if their driving habits are good.

It’s important to understand that many deductions do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like you could get a free insurance coverage policy, company stockholders wouldn’t be very happy.

Car insurance companies who might offer some of the above discounts include:

Check with every company how you can save money. Discounts may not apply everywhere. To locate insurers that offer some of these discounts, follow this link.

Which policy gives me the best coverage?

When it comes to buying the right insurance coverage, there really is no “best” method to buy coverage. Every situation is different so this has to be addressed. Here are some questions about coverages that might help in determining if your insurance needs would benefit from an agent’s advice.

  • Should I buy additional glass protection?
  • Is my teenager covered with friends in the car?
  • Does insurance cover damages from a DUI accident?
  • Am I covered when driving a rental car?
  • What if I owe more than I can insure my car for?
  • Is my vehicle covered by my employer’s policy when using it for work?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It is quick, free and can provide invaluable advice.

Car insurance coverages for a Subaru Crosstrek

Understanding the coverages of insurance aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on most insurance policies.

Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as hospital visits, pain medications, surgery, X-ray expenses and prosthetic devices. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Collision – This covers damage to your Crosstrek resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like colliding with another moving vehicle, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Comprehensive protection – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hail damage, damage from flooding, damage from a tornado or hurricane, hitting a bird and rock chips in glass. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your Subaru Crosstrek.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Auto liability – This can cover injuries or damage you cause to people or other property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability can pay for things such as structural damage, medical expenses, legal defense fees and funeral expenses. How much coverage you buy is your choice, but buy as large an amount as possible.

Comments About 2018 Subaru Crosstrek Insurance

  1. Latisha Petty

    Not sure what I should be paying. From Wichita, KS. I got free quotes with The General, Amica, Sentry, and a couple others for my 2018 Subaru Crosstrek and saved $169 a year. Still almost need a second mortgage.

  2. Donetta Hoover

    If you have a clean record and live in the vicinity of San Diego, CA, check out 21st Century. I saved quite a bit. Left State Farm to switch.

  3. Loriann Burton

    I live east of Missoula, MT. I quoted with Western Auto Insurance, American Family, GMAC, and MetLife for my 2018 Subaru Crosstrek and saved $336 a year. I have a couple other vehicles on the policy.

  4. Jerome Norton

    Will Progressive do a SR22 in Missouri?

  5. Kit Emerson

    Good site, thanks. I live in Phoenix, AZ. Got prices from State Farm, American Family, and some I forget for my 2018 Subaru Crosstrek and saved around $330 a year. BTW speeding tickets are not good. Are quotes cheaper online?

  6. Odelia Mccoy

    Progressive and State Farm were both pretty cheap in Greensboro, North Carolina.

  7. Chae Mcbride

    Cheap car insurance? What’s that? I live just outside Springfield, MA. Compared quite a few companies. Saved roughly $70 a month. Progressive was the cheapest option for me. Insured with Amica before. :)