2017 Subaru WRX Insurance Rates

Trying to find the cheapest insurance rates for your Subaru WRX? Saving money on Driversinsurance is very difficult for drivers who have little experience comparison shopping online. There are so many companies to choose from that it can easily turn into a real hassle to compare rates.

If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using these tips. Finding more affordable protection is simple if you know the tricks. Although consumers do need to learn the way insurance companies market insurance on the web and use this information to your advantage.

How much is insurance coverage?

Many insurance companies allow consumers to get price estimates direct online. Obtaining pricing is quite easy as you just type in your required coverages into the quote form. Once entered, the company’s rating system automatically orders your credit score and driving record and returns a price.

Online price quotes streamlines rate comparisons, but the work required to visit many different websites and type in the same information is a big time waster. But it’s necessary to get many rate quotes in order to get the best price on insurance coverage.

Rate comparisons made easy

A less time-consuming method to get multiple rate quotes uses one simple form that obtains quotes from a lot of companies. This type of form saves time, reduces the work, and makes quoting online much more enjoyable and efficient. After your information is entered, it gets priced with multiple companies and you can pick your choice of the quotes that you receive. If you find a better price you can simply submit the application and buy the new coverage. It takes less than 15 minutes and can result in significant savings.

In order to compare rates now, click here to open in new window and complete the simple form. If you currently have coverage, we recommend you enter the coverage information as close as possible to your current policy. This guarantees you will get an apples-to-apples comparison using the same coverage and limits.

Car insurance companies offer lots of discounts

Companies don’t always publicize every available discount in a way that’s easy to find, so the below list has some of the best known as well as the least known discounts that you may qualify for.

  • Renewal Discounts – Select insurance companies give a discount for switching to them before your current coverage expires. This discount can save up to 10%.
  • Telematics Discount – People who choose to allow driving data submission to look at driving patterns remotely like Drivewise from Allstate or In-Drive from State Farm might see lower rates as long as the data is positive.
  • Multi-Vehicle Discounts – Buying insurance for multiple cars or trucks with one company could earn a price break for each car.
  • Save over 55 – If you’re over the age of 55, you can get a slight reduction on a auto insurance quote on WRX coverage.
  • Buy New and Save – Insuring a vehicle that is new is cheaper compared to insuring an older model.
  • Theft Prevention System – Cars, trucks, and SUVs with anti-theft systems prevent vehicle theft and earn discounts up to 10% off your auto insurance quote.
  • Responsible Driver Discount – Drivers without accidents may save up to 50% more on WRX coverage compared to rates paid by drivers with frequent claims.
  • Organization Discounts – Being in qualifying employment or professional organizations can get you a small discount on your policy.

Please keep in mind that some credits don’t apply to the entire cost. Most only cut the cost of specific coverages such as collision or personal injury protection. Even though it appears you could get a free car insurance policy, insurance companies wouldn’t stay in business.

A list of companies and a partial list of their discounts are shown below.

  • Geico policyholders can earn discounts including multi-vehicle, membership and employees, federal employee, five-year accident-free, defensive driver, military active duty, and air bags.
  • Travelers offers discounts for new car, hybrid/electric vehicle, home ownership, multi-policy, and IntelliDrive.
  • Farm Bureau has discounts for multi-policy, renewal discount, youthful driver, safe driver, multi-vehicle, 55 and retired, and good student.
  • Liberty Mutual may include discounts for safety features, multi-policy, exclusive group savings, multi-car, preferred payment discount, newly retired, and newly married.
  • American Family discounts include Steer into Savings, good student, early bird, mySafetyValet, air bags, multi-vehicle, and bundled insurance.
  • Progressive offers premium reductions for multi-policy, continuous coverage, homeowner, multi-vehicle, online signing, and good student.

If you need inexpensive auto insurance quotes, ask each insurance company which credits you are entitled to. Some of the discounts discussed earlier may not apply to policies in every state. If you would like to view insurance companies that offer the discounts shown above, click this link.

Subaru WRX insurance rate factors

Consumers need to have an understanding of the factors that come into play when calculating the rates you pay for auto insurance. If you know what positively or negatively impacts your premiums, this enables informed choices that may reward you with cheaper rates.

  • Having a spouse pays dividends – Having a spouse helps lower the price when buying auto insurance. Having a significant other translates into being more mature and insurance companies like that married drivers tend to file fewer claims.
  • Avoid unnecessary extra coverages – Policies have extra add-on coverages that sound like a good idea at the time on your WRX policy. Things like rental car reimbursement, accidental death, and term life insurance may be costing you every month. You may think they are a good idea when buying your policy, but your needs may have changed so get rid of them and save.
  • Your age impacts your rates – Teenage drivers are statistically shown to be careless and easily distracted in a vehicle therefore auto insurance rates are much higher. Adding a beginning driver to your auto insurance policy will cause a huge premium hike. Older, more experienced drivers are shown to be more cautious, file fewer claims and receive fewer citations.
  • Drive less and pay lower prices – The higher the miles on your Subaru each year the more it will cost to insure it. A lot of insurance companies rate vehicles based upon how much you drive. Vehicles used primarily for pleasure use can be on a lower rate level than those used for commuting. Having the wrong rating on your WRX may be costing you higher rates. It’s a smart idea to ensure your auto insurance declarations sheet is showing the correct usage, because it can save money.
  • Raise comp and collision deductibles and save – The deductibles you choose define how much you are required to spend if you file a covered claim. Coverage for physical damage, also known as collision and other-than-collision, covers damage that occurs to your car. Some examples of covered claims are rearending another vehicle, collision with a deer, and damage caused by road hazards. The more money the insured is willing to pay, the better rate you will receive on WRX coverage.

Do I just need basic coverages?

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions might point out whether or not you might need an agent’s assistance.

  • Is my nanny covered when driving my vehicle?
  • When should I not file a claim?
  • Should I buy full coverage?
  • How do I file an SR-22 for a DUI in my state?
  • When can I cancel my policy?
  • Where can I get insurance after a DUI in my state?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance specifics

Knowing the specifics of your policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as hitting a mailbox, crashing into a building and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like vandalism, damage from a tornado or hurricane and hitting a deer. The maximum 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 consider removing comprehensive coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like ambulance fees, pain medications, hospital visits and surgery. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Liability insurance

Liability insurance provides protection from injuries or damage you cause to other people or property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability insurance covers claims such as repair costs for stationary objects, legal defense fees, medical services, structural damage and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Pennies from heaven

People who switch companies do it for many reasons like being labeled a high risk driver, questionable increases in premium, policy cancellation and delays in paying claims. Whatever your reason, switching car insurance companies is less work than it seems.

When searching for cheap auto insurance quotes, it’s very important that you do not reduce needed coverages to save money. There have been many situations where an insured dropped comprehensive coverage or liability limits only to discover later that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible for the lowest price.

Cheaper 2017 Subaru WRX insurance can be found from both online companies and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture. Some insurance providers may not offer rate quotes online and most of the time these smaller providers prefer to sell through independent agents.

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