Compare 2016 Subaru BRZ Insurance Rates

Looking for lower car insurance rates for your Subaru BRZ? Do you think you bought an underperforming, overpriced car insurance policy? It’s a common feeling and many drivers have buyer’s remorse.

Drivers have so many insurers to purchase coverage from, and though it is a good thing to have a selection, more choices can make it harder to find the lowest cost provider.

Quote auto insurance online

There are several ways to compare prices from many available auto insurance companies in your state. The best method to find the cheapest 2016 Subaru BRZ insurance rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  • The simplest way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This easy form prevents you from having to do separate quote forms to each individual auto insurance company. In just a few minutes this one form gets prices estimates from many national carriers.
  • A different way to analyze rates requires a visit to the website of each company and repeat the quote process again and again. For examples sake, let’s say you want to get rates from Liberty Mutual, 21st Century and Progressive. To get rate quotes you would need to go to every website and repeatedly type in your coverage information, and that explains why we recommend the first method.

    For a handy list of car insurance company links in your area, click here.

  • The last way to comparison shop is calling or driving to each insurance agency near you. Quoting online reduces the need to sit down with an agent unless you want the advice and guidance of an agent trained in personal lines coverage. You can, however, comparison shop your insurance online and get advice from an agent in your area.

How you compare quotes is your choice, just make sure you are using the same deductibles and coverage limits for each price quote. If you enter mixed coverages you will not be able to make a fair rate comparison. Quoting even small variations in coverages could mean much higher rates. And when comparing auto insurance rates, know that quoting more helps you find a better price. Some smaller insurers to not give online quotes, so it’s important to also get rates from them, too.

Beware of misleading car insurance ads

Geico, State Farm and Progressive constantly bombard you with ads on TV and radio. They all seem to state the claim that drivers will save a bundle if you just switch to their company. But how can every company charge you less for auto insurance? This is how they do it.

Companies have specific characteristics for the type of insured that will add to their bottom line. For example, a desirable risk might be described as over age 30, has never had a claim, and drives a lower-performance vehicle. A customer that matches those criteria receive the lowest rate quotes and will cut their rates substantially.

People who don’t meet this ideal profile will be quoted a higher premium and the prospect going elsewhere. The trick is to say “people who switch” not “everyone who quotes” save that kind of money. That is how insurance companies can confidently advertise the way they do. This really illustrates why it’s extremely important to get price quotes at each policy renewal. Because you cannot predict which car insurance company will have the lowest prices for your situation.

Subaru BRZ insurance costs can be more affordable

Many factors are part of the calculation when premium rates are determined. Most are fairly basic like a motor vehicle report, although some other factors are more obscure like your vehicle usage or your commute time.Part of the car insurance buying process is learning some of the elements that are used to determine your premiums. If you have some idea of what impacts premium levels, this allows you to make educated decisions that may reward you with lower premium levels.

  • Cheaper to insure women? – Statistics have proven women are more cautious behind the wheel. The data does not necessarily mean that women are better drivers. Females and males cause auto accidents in similar percentages, but the males tend to have higher claims. They also get more serious tickets such as DWI and reckless driving.
  • Better credit means lower premiums – An insured’s credit score is a large factor in your rate calculation. People that have very good credit scores tend to file fewer claims than drivers who have bad credit. If your credit history is not that good, you could be paying less to insure your 2016 Subaru BRZ by improving your rating.
  • Safety first – Safe vehicles can get you lower premiums. Vehicles engineered for safety protect occupants better and fewer serious injuries means lower claim amounts and cheaper rates on your policy.
  • More stress means more cost – Did you know your career choice can influence rates? Jobs such as doctors, architects and emergency personnel tend to have higher rates than average attributed to intense work requirements and extremely grueling work hours. On the other hand, occupations like professors, students and performers receive lower rates for BRZ insurance.
  • Raise coverage deductibles and save – Physical damage protection, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. Some instances where coverage would apply are collision with another vehicle, vandalism, or theft. Comp and collision deductibles state the amount of money you are required to pay if the claim is covered. The more damage repair cost you pay before a claim is paid (deductible), the less money you will pay for car insurance for BRZ insurance.
  • Avoid traffic tickets – Careful drivers get better rates than bad drivers. Getting just one moving violation can increase the cost of insurance by twenty percent. Drivers who have received severe tickets such as DUI or reckless driving may find that they have to to prove financial responsibility with their state’s department of motor vehicles in order to keep their license.
  • Get better rates if married – Having a spouse can get you a discount on car insurance. Marriage demonstrates that you tend to be more mature and it’s statistically proven that drivers who are married are more cautious.
  • Long commutes cost more – The higher the mileage driven in a year the higher your rate. A lot of insurance companies price each vehicle’s coverage based on their usage. Autos that have low annual miles get more affordable rates compared to those used for work or business. An incorrectly rated BRZ can cost quite a bit. Verify your car insurance coverage states how each vehicle is driven.

Don’t miss these discounts

Buying auto insurance is not cheap, but you can get discounts that can help lower your rates. Many discounts should be triggered when you purchase, but a few must be asked for in order for you to get them. If you are not receiving all the discounts you deserve, you could be saving more on your auto insurance.

  • Discount for Multiple Policies – If you combine your auto and homeowners policies with the same company you could get a discount of as much as 10 to 15 percent.
  • Smart Student Discounts – Performing well in school can save 20 to 25%. Earning this discount can benefit you up to age 25.
  • Club Memberships – Belonging to certain professional organizations is a good way to get lower rates on your policy.
  • ABS Braking Discount – Cars with ABS and/or traction control can stop better under adverse conditions and the ABS can save up to 10%.
  • Seat Belts Save – Drivers who require all vehicle occupants to fasten their seat belts could save 15% off the PIP or medical payment premium.
  • Active Service Discounts – Being on active duty in the military could be rewarded with lower prices.

A little disclaimer on discounts, most credits do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though you would think you could get a free auto insurance policy, that’s just not realistic. Any qualifying discounts will help lower the cost of your policy.

To find insurers who offer online auto insurance quotes, click here.

Special considerations

When it comes to choosing adequate coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions can help discover whether your personal situation could use an agent’s help.

  • Am I covered if I hit a deer?
  • Are rental cars covered under my policy?
  • Is other people’s property covered if stolen from my vehicle?
  • What is an SR-22 filing?
  • Are all vehicle passengers covered by medical payments coverage?
  • What exactly is covered by my policy?
  • Do I have any recourse if my insurance company denies a claim?
  • Why do I need rental car insurance?
  • When do I need to add a new car to my policy?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Car insurance policy specifics

Having a good grasp of your policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement. These are typical coverage types offered by car insurance companies.

Liability auto insurance – Liability insurance protects you from damage that occurs to a person or their property. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as pain and suffering, repair costs for stationary objects and medical services. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like scraping a guard rail, sustaining damage from a pot hole, hitting a mailbox and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as EMT expenses, surgery and nursing services. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Subaru BRZ.

Because many people 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 coverage – This covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from flooding, damage from getting keyed and a tree branch falling on your vehicle. The highest amount your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

The best insurance company isn’t always the cheapest

We just presented a lot of tips how to save on 2016 Subaru BRZ insurance. The key concept to understand is the more rate quotes you have, the better likelihood of getting inexpensive insurance coverage. You may be surprised to find that the lowest prices come from a small mutual company. Regional companies often have lower rates on specific markets than their larger competitors like Allstate and Progressive.

Cost effective 2016 Subaru BRZ insurance can be purchased on the web as well as from independent agents, and you should compare rates from both so you have a total pricing picture. Some insurance providers do not provide the ability to get quotes online and most of the time these regional carriers only sell coverage through independent agencies.

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