2013 Subaru XV Crosstrek Insurance Rates

Have you had enough of paying out the nose to pay your car insurance bill each month? Your situation is no different than the majority of other car owners.

Multiple car insurance companies compete for your hard-earned dollar, so it can be very hard to choose a insurance company to find the cheapest price

Finding Insurance Deals

Most major insurance companies such as Allstate, Geico and Progressive allow you to get prices directly from their websites. The process is pretty painless as you just enter your required coverages into a form. After you submit the form the company’s rating system requests information on your driving record and credit history and gives you a price quote based on these and other factors. Online price quotes simplifies rate comparisons, but the time required to go to multiple sites and fill out multiple forms is not the best way to spend an afternoon. But it’s absolutely necessary to do this in order to get the lowest insurance rates.

A less time-consuming method to locate the lowest prices is to use a quote form that gets price quotes from a lot of companies. It’s a real time-saver, requires less work, and makes price shopping online much easier. After sending your information, it is quoted and you can select your choice of the pricing results.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. This process can be completed in less than 10 minutes and can result in significant savings.

To find out how much you’re overpaying now, click here to open in a new tab and submit the form. If you have a policy now, it’s recommended you replicate the coverage information exactly as shown on your declarations page. This makes sure you are getting an apples-to-apples comparison using the exact same coverages.

Best discounts on Subaru XV Crosstrek coverage

Properly insuring your vehicles can get expensive, but you may find discounts to cut the cost considerably. Most are applied when you quote, but some must be manually applied prior to getting the savings.

  • Drivers Education – Have your child complete a driver education course if it’s offered in school.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • Payment Discounts – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.
  • New Car Discount – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
  • Federal Employees – Employees or retirees of the government can save as much as 8% on XV Crosstrek coverage with a few insurance companies.

It’s important to understand that most credits do not apply to the overall cost of the policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, you won’t be that lucky. But all discounts will cut your overall premium however.

For a list of insurance companies who offer insurance discounts, click here.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions could help you determine if your insurance needs might need an agent’s assistance.

  • What can I do if my company won’t pay a claim?
  • Is my state a no-fault state?
  • Is my babysitter covered when using my vehicle?
  • Am I missing any policy discounts?
  • When should I drop full coverage on my 2013 Subaru XV Crosstrek?
  • When would I need rental car insurance?
  • Is rental equipment covered for theft or damage?
  • I don’t drive much so do I pay less?
  • Where can I find DUI or SR-22 insurance?
  • Do I have coverage when pulling a U-Haul trailer?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Subaru XV Crosstrek insurance rates are influenced by…

Smart consumers have a good feel for some of the elements that play a part in calculating the price you pay for car insurance. Knowing what determines base rates allows you to make educated decisions that may reward you with much lower annual insurance costs.

Shown below are a few of the “ingredients” companies use to determine rates.

  • Save money with special equipment – Choosing a vehicle with an alarm system can help lower your rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.
  • Sex matters – Statistics show that women are safer drivers than men. Now that doesn’t mean women are BETTER drivers than men. Women and men are in accidents in similar numbers, but the males tend to have more serious accidents. They also have more aggressive citations such as reckless driving.
  • Do you work long hours in a high stress job? – Did you know your occupation can influence how much you pay for car insurance? Occupations such as real estate brokers, architects and dentists tend to have the highest average rates in part from job stress and long work hours. Other professions such as pilots, historians and homemakers receive lower rates on XV Crosstrek coverage.
  • Better credit means lower rates – A driver’s credit score is a important factor in determining what you pay for car insurance. People with high credit ratings tend to be more responsible as compared to drivers with lower credit scores. Therefore, if your credit is low, you could save money insuring your 2013 Subaru XV Crosstrek by improving your credit score.
  • Your age impacts your rates – Young drivers are statistically proven to be careless and easily distracted when behind the wheel so they pay higher car insurance rates. Older insureds are more cautious drivers, tend to file fewer claims and tend to be better behind the wheel.

Auto insurance coverage information

Understanding the coverages of auto insurance helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. These are the normal coverages found on the average auto insurance policy.

Collision coverage protection

This coverage covers damage to your XV Crosstrek caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as sustaining damage from a pot hole, backing into a parked car, hitting a parking meter and crashing into a ditch. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Auto liability insurance

This can cover injuries or damage you cause to a person or their property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as funeral expenses, emergency aid, loss of income, medical expenses and structural damage. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for expenses like chiropractic care, X-ray expenses and dental work. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these coverages are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a deer, a broken windshield, fire damage and theft. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Make a quick buck

As you prepare to switch companies, it’s very important that you do not buy poor coverage just to save money. There have been many cases where an accident victim reduced liability limits or collision coverage and learned later that the small savings ended up costing them much more. Your goal should be to buy enough coverage for the lowest price while not skimping on critical coverages.

We’ve covered a lot of tips how to get a better price on 2013 Subaru XV Crosstrek insurance. It’s most important to understand that the more times you quote, the better your comparison will be. Drivers may discover the best prices are with some of the lesser-known companies. Regional companies may only write in your state and offer lower rates than the large multi-state companies such as State Farm and Allstate.

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