Save on 2015 Subaru WRX Car Insurance Rates

Locating better insurance prices for a Subaru WRX can normally be a lot of work, but you can use these tips to find lower rates. There is a better way to find insurance online so you’re going to learn the quickest way to get price quotes for a Subaru and get the cheapest rates from local insurance agents and online providers.

How to Compare Auto Insurance Quotes

Comparing auto insurance rates can be challenging if you don’t utilize the easiest way. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you can stay home and use the web for quick rates.

Many popular insurance companies participate in an industry program where insurance shoppers send in one quote, and each company returns a rated price determined by their information. This system prevents you from having to do form submissions for each company you want a rate for. To compare pricing click here to start a free quote.

The single downside to comparing rates this way is that consumers can’t choose the providers you want to price. So if you want to choose specific providers to compare rates, we have a listing of auto insurance companies in your area. Click to view list.

It’s up to you which method you use, but be sure to compare exactly the same quote information for each comparison quote. If you use higher or lower deductibles it will be very difficult to find the best deal for your Subaru WRX.

Discounts are available to cut your rates

Companies offering auto insurance don’t always publicize all their discounts in an easy-to-find place, so here is a list some of the best known and the more hidden insurance coverage savings. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
  • Discount for Life Insurance – Some companies give a discount if you purchase life insurance from them.
  • Military Rewards – Having a deployed family member could be rewarded with lower premiums.
  • Driver’s Ed – Require your teen driver to take driver’s ed class if offered at their school.
  • Multi-car Discount – Having more than one vehicle on the same insurance coverage policy could earn a price break for each car.
  • Sign Early and Save – Some insurance companies reward drivers for switching policies prior to your current policy expiration. It can save you around 10%.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on WRX coverage than their less cautious counterparts.

It’s important to note that some of the credits will not apply to all coverage premiums. Most only apply to individual premiums such as medical payments or collision. So even though it sounds like you can get free auto insurance, it doesn’t quite work that way.

For a list of insurers offering insurance coverage discounts, click here.

Everyone needs different coverages

When it comes to choosing the best insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is unique.

For example, these questions can help discover whether your personal situation could use an agent’s help.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I need motorclub coverage?
  • Why am I required to buy high-risk coverage?
  • Is extra glass coverage worth it?
  • Who is covered by my policy?
  • What is roadside assistance coverage?
  • How much liability insurance is required?
  • Does my policy cover my teen driver if they drive my company car?
  • What happens if I owe more than my 2015 Subaru WRX is worth?
  • How do I buy GAP insurance?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Coverages available on your policy

Understanding the coverages of your insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement.

Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like surgery, rehabilitation expenses and prosthetic devices. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

UM/UIM Coverage – This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Subaru WRX.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Collision coverages – Collision coverage pays for damage to your WRX caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like rolling your car, hitting a parking meter, colliding with a tree, sideswiping another vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision – Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from flooding, falling objects, vandalism, hail damage and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability – This will cover damage or injury you incur to people or other property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like medical expenses, loss of income and court costs. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

And the best car insurance company is…

Consumers change insurance companies for a variety of reasons including policy cancellation, delays in paying claims, an unsatisfactory settlement offer and even lack of trust in their agent. It doesn’t matter what your reason, finding a great new company is actually quite simple.

As you prepare to switch companies, it’s a bad idea to skimp on critical coverages to save a buck or two. There are a lot of situations where someone sacrificed full coverage and discovered at claim time that the few dollars in savings costed them thousands. The ultimate goal is to buy the best coverage you can find for the lowest price, not the least amount of coverage.

You just learned quite a bit of information on how to get a better price on 2015 Subaru WRX insurance. The most important thing to understand is the more quotes you get, the higher your chance of finding lower rates. Drivers may discover the lowest priced insurance comes from a smaller regional carrier.

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