Save on 2016 Subaru WRX Insurance Quotes

Are you tired of being strong-armed to pay your car insurance bill each month? Your situation is no different than most other car owners. Since consumers have many choices, it can be impossible to pick the lowest cost company.

How to Compare Insurance Coverage Quotes

Most companies such as State Farm, Allstate and Geico allow you to get coverage price quotes online. Obtaining pricing is fairly simple as you just enter your required coverages as detailed in the form. Behind the scenes, the company’s rating system requests your driving record and credit report and returns pricing information. Being able to quote online simplifies rate comparisons, but the time required to go to different websites and fill out multiple forms can be a bit repetitive. But it’s absolutely necessary to get many rate quotes in order to find the best price on insurance coverage.

There is a better way!

A less time-consuming method to get multiple rate quotes utilizes a single form to obtain quotes from a lot of companies. It saves time, requires much less work on your part, and makes online price comparison much easier. Immediately after submitting the form, it is quoted and you are able to buy any or none of the quotes returned. If a lower price is quoted, it’s easy to complete the application and purchase coverage. This process takes just a few minutes to complete and you will find out if you’re overpaying now.

To fill out one form to compare multiple rates now, click here to open in a new tab and complete the simple form. If you currently have coverage, we recommend you enter the limits and deductibles exactly as they are listed on your policy. This helps ensure you will be getting a rate comparison based on the exact same insurance coverage.

Discounts are basically free money

Companies that sell car insurance do not list every discount in an easy-to-find place, so here is a list both well-publicized and the harder-to-find savings tricks you should be using. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Driver’s Ed – Have your child successfully complete driver’s ed class in school.
  • New Car Discount – Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • No Accidents – Drivers with accident-free driving histories pay much less as compared to frequent claim filers.
  • Theft Prevention Discount – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Multiple Cars – Having all your vehicles with the same company qualifies for this discount.

It’s important to understand that most credits do not apply to the entire cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, companies don’t profit that way.

A partial list of companies that may have these discounts include:

It’s a good idea to ask every prospective company what discounts are available to you. Savings might not apply everywhere.

Which insurance is the “right” coverage?

When buying the right insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. For instance, these questions can help discover whether your personal situation might need professional guidance.

  • If my pet gets injured in an accident are they covered?
  • Does insurance cover damages from a DUI accident?
  • What is medical payments coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Why am I required to buy high-risk coverage?
  • Am I covered when driving someone else’s vehicle?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Detailed coverages of your insurance policy

Knowing the specifics of your policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average insurance policy.

Collision coverage

Collision insurance pays for damage to your WRX caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as colliding with another moving vehicle, crashing into a building, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for expenses for things like rehabilitation expenses, nursing services, prosthetic devices and hospital visits. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Comprehensive auto coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like vandalism, hitting a deer, damage from a tornado or hurricane, damage from getting keyed and theft. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as 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 very important.

Liability car insurance

This can cover damages or injuries you inflict on a person or their property that is your fault. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that means you have 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.

Liability insurance covers things such as medical expenses, repair costs for stationary objects and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Saving money is sweet as honey

Cheap 2016 Subaru WRX insurance can be bought both online and with local insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance companies do not offer online quoting and these small, regional companies work with independent agents.

As you restructure your insurance plan, don’t be tempted to reduce coverage to reduce premium. There are many occasions where an insured cut uninsured motorist or liability limits to discover at claim time that it was a big error on their part. Your aim should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

Additional detailed information is located by following these links: