2018 Subaru WRX Car Insurance Quotes – 9 Savings Tips

When searching for lower-cost insurance, are you frustrated by the wide range of car insurance companies in your area? Lot’s of other people are too. drivers have such a large number of options that it is a real difficult job to locate the lowest premium rates.

Smart consumers take time to do rate comparisons at least once a year because prices are rarely the same from one policy term to another. Just because you had the best deal on WRX insurance a year ago the chances are good that you can find a lower rate quote today. Don’t believe everything you read about car insurance online but in a few minutes you can learn the easiest ways to lower your car insurance premiums.

Compare insurance quotes

Most companies make it easy to get coverage prices on the web. Getting prices online is easy for anyone as you just enter the coverages you want into a form. When complete, the quote system requests reports for credit and driving violations and generates a price based on the data you entered.

This makes it a lot easier to compare rates but the work required to visit each company’s website and repetitively fill out multiple forms is repetitive and time-consuming. Unfortunately, it is important to compare as many rates as possible if you want to find the lowest insurance rates.

The easiest way to lower your rates requires only one form to get prices from a bunch of companies at once. It’s a real time-saver, eliminates repetitive work, and makes quoting online much easier to do. Immediately after you send the form, it is rated and you can choose any or none of the quote results. If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. The whole process can be completed in a matter of minutes and may result in a nice savings.

If you want to find out how much you can save on insurance, click here and begin entering your coverage information. If you currently have coverage, we recommend you replicate your coverages exactly as shown on your declarations page. This makes sure you are getting rate comparison quotes for similar insurance coverage.

Take these nine policy discounts and save

Insuring your vehicles can cost a lot, but there could be significant discounts that can dramatically reduce your bill. Some discounts will apply at quote time, but some need to be asked for before you get the savings.

  • Onboard Data Collection – People who choose to allow their company to track driving patterns remotely such as Progressive’s Snapshot may see discounts if their driving habits are good.
  • Multi-line Discount – Some auto insurance companies give a break if you buy auto and life insurance together.
  • Distant Student Discount – College-age children who are attending college and do not have access to a covered vehicle may be insured at a cheaper rate.
  • Bundle and Save – If you combine your homeowners and auto policies and place coverage with the same company you may save 10% to 20% off each policy.
  • Federal Employees – Employees or retirees of the government could provide a small rate reduction on WRX insurance but check with your company.
  • Save with a New Car – Adding a new car to your policy can get you a discount since newer vehicles are generally safer.
  • Club Memberships – Affiliation with qualifying employment or professional organizations could earn you a nice discount on your next auto insurance statement.
  • Active Service Discounts – Being on active duty in the military could be rewarded with lower premium rates.
  • No Accidents – Insureds with no claims or accidents can earn big discounts in comparison with accident-prone drivers.

It’s important to note that many deductions do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Just because you may think adding up those discounts means a free policy, you’re out of luck.

A list of companies and the discounts they provide are included below.

  • Geico policyholders can earn discounts including military active duty, seat belt use, multi-policy, air bags, five-year accident-free, anti-lock brakes, and good student.
  • SAFECO may offer discounts for drive less, homeowner, anti-lock brakes, safe driver, multi-car, bundle discounts, and teen safety rewards.
  • State Farm has savings for Steer Clear safe driver discount, passive restraint, safe vehicle, defensive driving training, accident-free, Drive Safe & Save, and student away at school.
  • MetLife offers discounts including good student, accident-free, defensive driver, good driver, claim-free, and multi-policy.
  • 21st Century offers discounts for air bags, automatic seat belts, defensive driver, anti-lock brakes, early bird, and 55 and older.
  • Progressive includes discounts for multi-vehicle, online signing, continuous coverage, good student, online quote discount, and multi-policy.

If you are trying to find cheaper car insurance quotes, ask every company how many discounts you can get. Some discounts listed above may not be available in your area. To see a list of companies with discount rates, follow this link.

Which policy gives me the best coverage?

When buying proper insurance coverage, there isn’t really a perfect coverage plan. Every situation is different.

For instance, these questions could help you determine if your insurance needs may require specific advice.

  • Who is covered by my policy?
  • When would I need additional glass coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • Who is covered when they drive my 2018 Subaru WRX?
  • Am I covered if I drive in a foreign country?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Why am I required to get a high-risk car insurance policy?
  • What if I owe more than I can insure my car for?
  • Can I rate high risk drivers on liability-only vehicles?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Car insurance coverage considerations

Understanding the coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Liability coverages

Liability coverage will cover injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like bail bonds, pain and suffering and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for bills for things like nursing services, hospital visits, funeral costs, ambulance fees and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Collision protection

This coverage pays for damage to your WRX from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a parking meter, colliding with another moving vehicle, hitting a mailbox, crashing into a ditch and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, falling objects and vandalism. The maximum payout a car insurance company will pay at claim time 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.

In the end, you save

We just covered many ideas to reduce 2018 Subaru WRX insurance prices online. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even discover the lowest priced insurance comes from the least-expected company.

As you shop your coverage around, you should never buy less coverage just to save a little money. There are too many instances where an insured dropped uninsured motorist or liability limits only to find out that it was a big error on their part. Your goal is to buy the best coverage you can find at the best possible price, but do not sacrifice coverage to save money.

There are still a few companies who may not provide internet price quotes and these regional carriers work with independent insurance agents. The cheapest 2018 Subaru WRX insurance is available on the web as well as from insurance agents, and you should be comparing both in order to have the best price selection to choose from.

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