How Much Does 2017 Subaru BRZ Insurance Cost?

Want better auto insurance rates for your Subaru BRZ? Having to pay for pricey Subaru BRZ insurance can bottom out your savings and force you to cut corners elsewhere. Comparing rate quotes is a fast and free way to slash your bill and have more diposable income.

You have multiple insurers to choose from, and although it’s nice to have multiple companies, too many choices makes it more difficult to compare rates and cut insurance costs.

You should make it a habit to get comparison quotes on a regular basis because auto insurance prices are constantly changing. If you had the best rates on BRZ coverage on your last policy you can probably find a lower rate today. Ignore everything you know about auto insurance because you’re about to learn one of the best ways to find great coverage at a great price.

Buying car insurance is not rocket science. If you have car insurance now, you will be able to lower your premiums substantially using this information. But vehicle owners do need to know how insurance companies sell online and use this information to your advantage.

Don’t overlook these insurance discounts

Insurance can be pricey, but you might already qualify for some discounts that you may not even know about. A few discounts will automatically apply when you complete an application, but some need to be asked about before you get the savings.

  • Accident Waiver – Not a discount per se, but some companies like Geico and Allstate allow you one accident before raising your premiums with the catch being you have to be claim-free prior to the accident.
  • Pay Early and Save – If you can afford to pay the entire bill as opposed to paying monthly you could save up to 5%.
  • Professional Memberships – Being in qualifying employment or professional organizations is a good way to get lower rates on your next insurance statement.
  • Claim-Free Discount – Insureds with no claims or accidents get the best insurance rates as compared to frequent claim filers.
  • Paperless Signup – Some of the larger companies will discount your bill up to fifty bucks simply for signing online.

A quick disclaimer, most discounts do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comp or med pay. So when the math indicates it’s possible to get free car insurance, that’s just not realistic.

Popular insurance companies and a summarized list of policyholder discounts include:

  • State Farm offers discounts for student away at school, Drive Safe & Save, good student, accident-free, passive restraint, multiple autos, and driver’s education.
  • Geico includes discounts for good student, air bags, anti-lock brakes, daytime running lights, federal employee, and anti-theft.
  • Allstate offers discounts including new car, EZ pay plan discount, early signing, farm vehicle, and passive restraint.
  • SAFECO may include discounts for teen safe driver, bundle discounts, drive less, safe driver, teen safety rewards, multi-car, and homeowner.
  • Farm Bureau may offer discounts for safe driver, multi-vehicle, 55 and retired, good student, youthful driver, driver training, and renewal discount.
  • Progressive offers premium reductions for continuous coverage, homeowner, good student, online signing, multi-policy, online quote discount, and multi-vehicle.
  • AAA policyholders can earn discounts including pay-in-full, education and occupation, good student, anti-theft, multi-car, AAA membership discount, and good driver.

If you are trying to find the cheapest insurance coverage quotes, ask all the companies which credits you are entitled to. Depending on the company, some discounts may not apply in your area. To view companies who offer cheap insurance quotes, click this link.

Cheap insurance quotes

There are a variety of methods you can shop for insurance but there is one way that is easier and takes less work. You can waste a lot of time discussing policy coverages with insurance companies in your area, or you can utilize online quotes to accomplish the same thing much quicker.

All the larger companies enroll in a system that enables customers to submit one quote, and each company returns a competitive quote based on the submitted data. This eliminates the need for quotation requests for each company.

To find out what other companies charge click here to open in new window.

The single downside to comparing rates this way is buyers cannot specifically choose which providers you will receive quotes from. So if you want to select individual companies for rate comparison, we have a listing of insurance companies in your area. Click here to view list.

It’s up to you which method you use, but make sure you are using apples-to-apples quote data for every quote you compare. If you have different limits and deductibles on each one it will be next to impossible to find the best deal for your Subaru BRZ. Just a small difference in insurance coverages or limits can make a big difference in price. Just remember that comparing more quotes increases the change that you will find more affordable insurance.

When to get professional advice

When buying proper insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that can aid in determining whether you will benefit from professional help.

  • Is extra glass coverage worth it?
  • When should my teen driver be added to my policy?
  • Why am I required to get a high-risk car insurance policy?
  • What happens if I owe more than my 2017 Subaru BRZ is worth?
  • Does car insurance cover theft of personal property?
  • Is my camper covered by my car insurance policy?
  • Is business equipment covered while in my vehicle?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Car insurance 101

Learning about specific coverages of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages found on most insurance policies.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like surgery, nursing services, doctor visits, pain medications and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Collision coverage – Collision insurance pays for damage to your BRZ from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as hitting a parking meter, hitting a mailbox and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage – Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Subaru BRZ.

Because many people 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 a good idea.

Comprehensive coverages – This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from getting keyed, vandalism, rock chips in glass and hitting a deer. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for liability – This will cover damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against claims like court costs, medical expenses, repair bills for other people’s vehicles and legal defense fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Never pay more for less

Some insurance companies do not provide the ability to get a quote online and usually these regional carriers only sell coverage through independent agents. Cheaper 2017 Subaru BRZ insurance can be bought online and also from your neighborhood agents, and you need to comparison shop both in order to have the best chance of saving money.

When searching for cheap insurance coverage quotes, make sure you don’t buy less coverage just to save a little money. Too many times, drivers have reduced full coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible at the best cost while still protecting your assets.

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