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Subaru WRX Insurance Rates

You have lots of choices when trying to insure your Subaru vehicle. You can buy from an agent or get quotes online to compare insurance costs of companies. Shopping for car insurance by quoting online saves time, is easy to do and at the same time you can save money.

Comparing car insurance rates direct online is challenging if you are a beginner to online quotes. But don't be discouraged because it's actually quite easy. There are several ways to get quotes and find the best price. The easiest way by far to find the cheapest Subaru WRX insurance quotes consists of shopping online. It is quite easy and can be accomplished by getting a quick quote here.

What factors determine your insurance rates?

Car insurance premiums on a Subaru WRX can vary widely and are calculated by many factors. Taken into consideration are:

  • Traffic citations increase rates
  • Good credit scores can save money
  • Men may pay slightly more for coverage
  • Higher deductibles save money
  • Your vehicle's safety rating
  • Insuring home and auto together may save money
  • Excessive claims will drive up rates
  • Optional coverages like vehicle replacement

An additional factor that will help determine Subaru WRX insurance rates is the year of the vehicle. Older cars and trucks have a reduced actual cash value than newer models so the cost to replace them may end up costing you less. Although more recent Subaru vehicles may have safety features included like traction control, active head restraints, a backup camera, and an advanced theft deterrent system which can help offset higher rates.

To get a better understanding how much rates will be for your vehicle, select the year of your WRX from available model years below.

Liability coverages

This will cover damages or injuries you inflict on people or other property by causing an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy higher limits if possible.

Collision

Collision coverage will pay to fix damage to your Subaru resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage for your Subaru WRX can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper Subaru WRX insurance rates.

Comprehensive coverages

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured or underinsured coverage

This provides protection from other motorists when they are uninsured or don't have enough coverage. 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 important protection for you and your family.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. PIP coverage is only offered in select states and may carry a deductible.

How Much are Subaru WRX Insurance Rates?

Popular U.S. Cities for Subaru WRX Insurance

  • New York, NY
  • Phoenix, AZ
  • Portland, OR
  • Sacramento, CA
  • El Paso, TX
  • Columbus, OH
  • Seattle, WA
  • Milwaukee, WI
  • Denver, CO
  • Philadelphia, PA
  • Wichita, KS
  • Houston, TX
  • San Diego, CA
  • Baltimore, MD
  • Colorado Springs, CO