2018 Subaru Crosstrek Car Insurance Quotes – 6 Ways to Save

Are you irritated from not being able to scrape enough together each month for auto insurance? You are in the same boat as many other consumers. Many car insurance companies vie to insure your vehicles, so it can be very hard to choose a insurance company to get the best rates possible.

It’s a good habit to compare rates at least once a year because insurance rates fluctuate regularly. Even if you got the best deal for Crosstrek insurance a few years ago you can probably find a better price now. Block out anything you think you know about auto insurance because I’m going to teach you one of the quickest ways to reduce your cost while increasing coverage.

If you have a policy now or need a new policy, you can use this information to shop for the lowest rates while maintaining coverages. Choosing the best insurance company for you is quite easy. Drivers just need to learn the best way to get comparison quotes on the web.

Do you qualify for these six discounts?

Companies don’t always publicize all their discounts in an easy-to-find place, so we break down both the well known and the more hidden credits available to bring down your rates.

  • E-sign Discounts – Many insurance companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • Multi-line Discount – Companies who offer life insurance give a small discount if you purchase auto and life insurance together.
  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts may qualify for discounts as much as 30%.
  • Renewal Discounts – Some insurance coverage companies give discounts for switching companies early. It’s a savings of about 10%.
  • Homeowners Discount – Just being a homeowner may trigger a policy discount on insurance coverage due to the fact that maintaining a home is proof that your finances are in order.

Keep in mind that most discount credits are not given to the overall cost of the policy. Most only reduce specific coverage prices like medical payments or collision. Despite the appearance that you can get free auto insurance, you won’t be that lucky. Any amount of discount should help reduce your policy premiums.

A partial list of companies that may include many of the previously listed discounts may include but are not limited to:

Before purchasing a policy, check with each insurance company how you can save money. Depending on the company, some discounts might not be offered in your area.

Truth in insurance coverage advertising

Consumers can’t get away from all the ads that promise big savings from companies such as State Farm, Allstate and Geico. They all advertise the message about saving some big amount if you just switch to their company.

That’s great but how can every company charge you a lower premium? This is the trick they use.

Insurance companies have specific criteria for the type of driver that makes them money. One example of a profitable insured could possibly be a married male, has a low-risk occupation, and drives a lower-performance vehicle. Any customer that fits those parameters will get a cheap rate quote and most likely will save a lot of money.

Potential insureds who are not a match for these criteria may be required to pay higher prices with the end result being the customer not purchasing. Company advertisements say “drivers who switch” not “everybody who quotes” save that kind of money. That is how insurance companies can confidently make those claims.

This really drives home the point why you really need to do a rate comparison at every renewal. It is impossible to guess which insurance companies will give you the biggest savings.

Don’t assume everyone needs the same car insurance coverage

When buying the right insurance coverage, there is no perfect coverage plan. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that may help highlight if your insurance needs might need professional guidance.

  • Is my nanny covered when driving my vehicle?
  • Should I have combined single limit or split liability limits?
  • Why am I required to get a high-risk car insurance policy?
  • Do I need rental car coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I need PIP coverage since I have good health insurance?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Car insurance specifics

Having a good grasp of your car insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages offered by car insurance companies.

Collision coverage – Collision insurance pays for damage to your Crosstrek resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like backing into a parked car, colliding with another moving vehicle, sideswiping another vehicle and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Insurance for medical payments – Coverage for medical payments and/or PIP kick in for bills for prosthetic devices, hospital visits and rehabilitation expenses. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverages – Liability insurance will cover damages or injuries you inflict on people or other property. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims such as bail bonds, pain and suffering, loss of income and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, a broken windshield and damage from flooding. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are set the same as your liablity limits.

In any little way, save everyday

In this article, we covered many tips how you can lower your 2018 Subaru Crosstrek insurance prices. The most important thing to understand is the more providers you compare, the higher your chance of finding cheap auto insurance. Drivers may discover the biggest savings come from a lesser-known regional company. Smaller companies may cover specific market segments cheaper compared to the large companies like Allstate or State Farm.

When getting auto insurance quotes online, don’t be tempted to skimp on critical coverages to save a buck or two. In many cases, drivers have reduced collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal is to get the best coverage possible at an affordable rate while still protecting your assets.

Cheaper 2018 Subaru Crosstrek insurance can be found both online and from local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies do not offer price quotes online and most of the time these small insurance companies only sell through local independent agents.

For more information, feel free to visit the articles below: