2013 Subaru BRZ Insurance Rates – 5 Tips for Best Quotes

Trying to find lower insurance coverage rates for your Subaru BRZ? Are you overwhelmed by the sheer number of insurance coverage companies? You’re not alone. People have so many companies to choose from that it can easily become a challenge to find the best price.

Vehicle Insurance Comparison

The are a couple different ways to compare rate quotes from local insurance coverage companies. The best way to find the cheapest 2013 Subaru BRZ insurance rates is simply to get online rate quotes. This can be done in several different ways.

The first (and easiest) way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This easy form saves time by eliminating repetitive form submissions for every insurance coverage company. Completing one form will return price quotes direct from many companies. Recommended for those who want to invest the least amount of time.

A more difficult way to compare prices requires a visit to each company website and request a quote. For instance, let’s say you want comparison quotes from Geico, Progressive and Travelers. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, which is why the first method is more popular.

For a list of links to insurance companies in your area, click here.

It doesn’t matter which method you choose, just be sure to compare exactly the same coverage information with each company. If you enter higher or lower deductibles you can’t possibly find the best deal for your Subaru BRZ. Just a small difference in coverage limits may result in a large different in cost. And when price shopping your coverage, comparing a large number of companies helps locate a lower rate.

Pay less by taking advantage of these five discounts

Companies that sell car insurance do not list all available discounts very well, so we break down some of the more common and also the lesser-known car insurance savings.

  • Paperless Signup – A few companies give back up to $50 for buying a policy and signing up digitally online.
  • Low Mileage – Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Homeowners Pay Less – Owning a home can help you save on car insurance because of the fact that having a home demonstrates responsibility.
  • Student in College – Kids in college living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Discount for New Cars – Putting insurance coverage on a new car is cheaper since new cars are generally safer.

It’s important to understand that some of the credits will not apply to the entire policy premium. Most only apply to individual premiums such as liability and collision coverage. Just because it seems like you can get free auto insurance, you won’t be that lucky.

Car insurance companies that possibly offer these discounts include:

Check with every prospective company which discounts you may be entitled to. Some discounts may not be available in your area.

Your coverage should be tailored to you

When buying proper insurance coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that might help in determining whether you will benefit from professional help.

  • Does my car insurance cover rental cars?
  • Do I pay less for low miles?
  • Is a fancy paint job covered?
  • Which is better, split liability limits or combined limits?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is my teen driver covered when they drive my company car?
  • When should I buy a commercial auto policy?
  • How much can I save by bundling my policies?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Auto insurance coverage information

Having a good grasp of your policy can help you determine appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.

Auto liability

This coverage will cover damage that occurs to other people or property in an accident. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like court costs, medical services, medical expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Medical payments coverage and PIP

Med pay and PIP coverage pay for expenses such as dental work, pain medications and chiropractic care. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Subaru BRZ.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as hail damage, hitting a deer, a tree branch falling on your vehicle and vandalism. The most 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 consider removing comprehensive coverage.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like rolling your car, colliding with a tree, hitting a mailbox and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Have the Midas touch

We just presented a lot of ways to reduce 2013 Subaru BRZ insurance prices online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding lower rates. You may even discover the lowest rates come from an unexpected company.

When you buy insurance online, do not skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy a smart amount of coverage at an affordable rate.

People switch companies for many reasons like policy cancellation, an unsatisfactory settlement offer, denial of a claim or even extreme rates for teen drivers. No matter why you want to switch, finding a new company is not as hard as you think.

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