Cheaper 2004 Subaru Baja Insurance Rates

Trying to find cheaper insurance rates for your Subaru Baja? Nobody I know looks forward to buying insurance, in particular when they are paying too much.

Online insurance companies like State Farm, Allstate, Geico and Progressive promote their brand names with catchy ads and consumers find it hard to sift through the bull and take the time to shop coverage around.

You should make it a habit to do rate comparisons on a regular basis because insurance rates change regularly. Even if you think you had the lowest price for Baja coverage six months ago you can probably find a lower rate today. Starting right now, block out anything you think you know about insurance because you’re going to get a crash course in the tricks you need to know to reduce your cost while increasing coverage.

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this information. Buying car insurance is easy if you know what you’re doing. Nevertheless, drivers must learn the methods companies use to compete online and take advantage of how the system works.

Comparison of Auto Insurance

Most major insurance companies like State Farm, Allstate and Geico give coverage prices directly from their websites. Getting online quotes is quite easy as you simply enter the coverages you want as detailed in the form. After you complete the form, their system requests your driving record and credit report and returns a price quote based on many factors. This streamlines rate comparisons, but the work required to visit a lot of sites and complete many quote forms can be a bit tiresome and repetitive. But it’s very important to compare as many rates as possible in order to find the best price on auto insurance.

The easiest way to get multiple rate quotes utilizes a single form that gets prices from a bunch of companies at once. The form is fast, requires less work, and makes online price comparison a little more enjoyable. Immediately after you send the form, it is quoted and you are able to buy any one of the returned quotes. If you find a better price it’s easy to complete the application and buy the policy. It can be completed in a matter of minutes and can result in significant savings.

To save time and fill out one form to compare multiple rates now, simply click here to open in new window and input your coverage information. If you have coverage now, it’s recommended you complete the form with the insurance coverages exactly as they are listed on your policy. This guarantees you will get a price comparison based on the exact same insurance coverage.

Pay less by taking advantage of discounts

Car insurance companies don’t always advertise all their discounts very clearly, so we took the time to find both well-publicized and also the lesser-known insurance coverage savings.

  • Good Student – This discount can save 20 to 25%. The discount lasts up to age 25.
  • Accident Waiver – A handful of insurance companies will forgive one accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Senior Discount – If you qualify as a senior citizen, you may qualify for reduced rates for Baja coverage.
  • Military Discounts – Having a deployed family member could mean lower rates.
  • E-sign – A handful of insurance companies will give a small break for buying a policy and signing up online.

Drivers should understand that some credits don’t apply to the entire cost. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.

For a list of companies with discount insurance coverage rates, follow this link.

Complexity of Subaru Baja insurance rates

An important part of buying insurance is that you know the factors that go into determining insurance rates. Knowing what influences your rates enables informed choices that will entitle you to much lower annual insurance costs.

Listed below are some of the factors insurance companies consider when setting prices.

  • Adjust deductibles and save – Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Subaru. Some examples of claims that would be covered are colliding with a building, collision with an animal, or theft. Your deductibles are how much you are willing to pay out-of-pocket before a claim is paid by your company. The more expense the insured has to pay upfront, the less your insurance will be for Baja coverage.
  • How’s your driving record? – Careful drivers have lower premiums than people who have multiple driving citations. Even one ticket can boost insurance rates twenty percent or more. Drivers who get severe violations such as reckless driving, hit and run or driving under the influence may be required to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
  • Safer cars cost less to insure – Safer cars can get you lower premiums. Safe vehicles have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders. If the Subaru Baja earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • A lapse in coverage is a bad thing – Driving your car without having proper coverage can get your license suspended and insurance companies will penalize you for letting your coverage lapse. And not only will your rates increase, but being ticketed for driving with no insurance will get you a revoked license or a big fine.
  • Drive less and save money – The higher the mileage driven every year the more you’ll pay to insure your vehicle. Almost all companies apply a rate based upon how you use the vehicle. Autos that are left in the garage qualify for better rates than vehicles that are driven to work every day. Verify your insurance declarations sheet is showing the correct usage for each vehicle. Incorrect usage on your Baja may be wasting your money.
  • Better credit means lower rates – Having a bad credit history is a important factor in determining your rates. So if your credit score is not that good, you could potentially save money when insuring your 2004 Subaru Baja by spending a little time repairing your credit. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have lower credit scores.
  • Policy add-ons can waste money – There are a lot of additional coverages that can waste your money on your Baja policy. Coverages for personal injury protection, accident forgiveness and additional equipment coverage may be wasting your money. These coverages may sound good at first, but now you might not need them so eliminate them to save money.

Your coverage should be tailored to you

When it comes to buying adequate coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that might point out whether you may require specific advice.

  • Does car insurance cover theft of personal property?
  • Is my 2004 Subaru Baja covered for flood damage?
  • Exactly who is provided coverage by my policy?
  • Should I buy more coverage than the required minimum liability coverage?
  • Does coverage extend to Mexico or Canada?
  • Is borrowed equipment or tools covered if stolen or damaged?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

The fine print in car insurance ads

Car insurance companies such as State Farm, Allstate and Geico consistently run television and radio advertisements. They all seem to say the same thing of big savings if you change your policy. But how can every company say the same thing?

All the different companies have a certain “appetite” for the type of customer that earns them a profit. For instance, a preferred risk might be over the age of 40, has no tickets, and has great credit. Any driver that hits that “sweet spot” receives the best rates and as a result will probably save a lot of money.

Consumers who don’t meet these standards will be quoted more money and this can result in business not being written. The ads say “customers who switch” but not “drivers who get quotes” save that much. That is how insurance companies can claim big savings. This emphasizes why it is so important to quote coverage with many companies. It’s impossible to know which insurance companies will have the lowest Subaru Baja insurance rates.

Information about specific coverages

Knowing the specifics of a insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from insurance companies.

Collision coverage – Collision coverage pays for damage to your Baja from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like sustaining damage from a pot hole, hitting a parking meter, driving through your garage door and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

UM/UIM Coverage – Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive or Other Than Collision – Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like a broken windshield, damage from a tornado or hurricane, hitting a deer, fire damage and damage from flooding. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as chiropractic care, X-ray expenses and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability car insurance – Liability insurance can cover damages or injuries you inflict on people or other property. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers things such as court costs, emergency aid and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

A penny saved is a penny earned

We just presented many tips how you can save on 2004 Subaru Baja insurance. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. Consumers may even find the most savings is with a lesser-known regional company. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm, Geico and Nationwide.

Discount insurance is available on the web and also from your neighborhood agents, and you should be comparing both in order to have the best price selection to choose from. Some companies may not provide the ability to get a quote online and these small insurance companies work with independent agents.

When you buy insurance online, never reduce coverage to reduce premium. There are a lot of situations where drivers have reduced liability coverage limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage at a price you can afford, not the least amount of coverage.

Helpful resources