Compare 2018 Subaru BRZ Car Insurance Rates

Shoppers have lots of choices when shopping for the lowest priced Subaru BRZ insurance. You can either waste hours contacting agents to get rate comparisons or save time using the internet to find the lowest rates.

There are both good and bad ways to find car insurance online and we’ll show you the quickest way to quote coverages for your Subaru and locate the cheapest rates either online or from local insurance agents.

It is always a good idea to check car insurance prices periodically due to the fact that insurance prices are variable and change quite frequently. Just because you found the lowest rate for BRZ coverage six months ago there may be better deals available now. Forget all the misinformation about car insurance because you’re going to learn the best way to properly buy coverages and cut your premium.

The quickest method we recommend to compare insurance rates from multiple companies is to take advantage of the fact auto insurance companies have advanced systems to compare their rates. To begin a comparison, all you need to do is provide a little information such as how much education you have, driver details, if it has an alarm system, and how many miles driven. The data is instantly submitted to insurance carriers in your area and they return cost estimate immediately.

Auto insurance policy discounts

Car insurance companies don’t always list every discount in an easy-to-find place, so the list below gives a summary of both the well known and also the more inconspicuous discounts that may be available.

  • ABS and Traction Control Discounts – Cars and trucks with ABS braking systems or traction control can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Paperless Signup – A few larger online companies will provide an incentive for buying your policy over the internet.
  • Defensive Driver Discount – Successfully completing a class that teaches defensive driving techniques could earn you a small percentage discount and make you a better driver.
  • Distant Student – Children living away from home attending college without a vehicle on campus could qualify for this discount.
  • Pay Upfront and Save – By making one initial payment rather than paying in monthly installments you could save up to 5%.
  • Government Employees – Having worked for a branch of the government may qualify for a discount when you quote insurance coverage for BRZ coverage with some auto insurance companies.
  • Telematics Data Discounts – Drivers who elect to allow driving data submission to spy on driving manner by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they show good driving skills.
  • Multiple Cars – Buying insurance for multiple cars with the same auto insurance company qualifies for this discount.

Don’t be surprised that some of the credits will not apply to the entire policy premium. Most only apply to specific coverage prices like liability and collision coverage. Even though the math looks like it’s possible to get free car insurance, it’s just not the way it works.

A list of companies and a summarized list of policyholder discounts are included below.

  • 21st Century may offer discounts for homeowners, anti-lock brakes, automatic seat belts, early bird, 55 and older, and theft prevention.
  • Progressive discounts include multi-policy, online signing, homeowner, good student, continuous coverage, online quote discount, and multi-vehicle.
  • State Farm may have discounts that include Drive Safe & Save, passive restraint, student away at school, safe vehicle, defensive driving training, Steer Clear safe driver discount, and good student.
  • Nationwide offers premium reductions for defensive driving, business or organization, anti-theft, family plan, Farm Bureau membership, and accident-free.
  • Esurance has discounts for renters, online shopper, safety device, multi-car, and good student.
  • The Hartford policyholders can earn discounts including air bag, good student, bundle, defensive driver, driver training, anti-theft, and vehicle fuel type.

If you want affordable insurance coverage quotes, ask all companies you are considering what discounts are available to you. Discounts may not be available everywhere. To see a list of companies that offer discounts, click here to view.

How do I know if I need professional advice?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Each situation is unique.

For example, these questions may help highlight if your situation would benefit from an agent’s advice.

  • How much can I save by bundling my policies?
  • Am I covered when driving in Canada or Mexico?
  • When can my company non-renew my policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is my teenager covered with friends in the car?
  • Should I get collision insurance on every vehicle?
  • When should I buy a commercial auto policy?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered if hit by an uninsured driver?

If you can’t answer these questions, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Auto insurance coverage options for a Subaru BRZ

Understanding the coverages of auto insurance helps when choosing appropriate coverage and proper limits and deductibles. Auto insurance terms can be impossible to understand and coverage can change by endorsement.

Liability coverages – This coverage protects you from damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like emergency aid, legal defense fees, attorney fees, repair costs for stationary objects and pain and suffering. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for immediate expenses like rehabilitation expenses, chiropractic care, pain medications, nursing services and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

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

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, hail damage and hitting a bird. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverages – This covers damage to your BRZ resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like damaging your car on a curb, hitting a mailbox and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your 2018 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 is a good idea. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.