How Much Does 2013 Subaru Tribeca Insurance Cost?

Want the cheapest car insurance rates for your Subaru Tribeca? Saving money on car insurance can be a challenge for consumers not familiar with shopping for insurance online. Consumers have so many options available that it can turn into a big hassle to find lower rates.

Buying car insurance is easy if you know what you’re doing. If you currently have a car insurance policy, you will be able to lower your premiums substantially using these tips. But car owners must understand the methods companies use to compete online and use this information to your advantage.

Insurance Coverage Prices

Most companies like State Farm, Allstate and Geico quote price estimates on their websites. Getting online quotes is quite easy as you simply enter your personal and coverage information as requested by the quote form. When the form is submitted, the company’s rating system will order information on your driving record and credit history and gives you a price quote determined by many factors.

Being able to quote online streamlines rate comparisons, but the time required to go to a lot of sites and enter the same data into a form can be a bit repetitive. But it’s absolutely necessary to compare as many rates as possible if you want to find the lowest possible prices on insurance coverage.

A less time-consuming method to get multiple rate quotes utilizes a single form to return rates from multiple companies. It’s a real time-saver, requires less work, and makes comparison shopping much more enjoyable. Immediately after submitting the form, your coverage is rated and you are able to buy any of the quotes returned. If a lower price is quoted, it’s easy to complete the application and purchase coverage. The entire process just takes a couple of minutes and you will find out if you’re overpaying now.

To compare pricing, click here to open in a new tab and begin entering your coverage information. If you have coverage now, it’s recommended you input the insurance coverages identical to your current policy. This guarantees you will get rate quotes using the exact same coverages.

Discounts mean cheaper 2013 Subaru Tribeca insurance rates

Companies that sell car insurance don’t always advertise every discount very well, so we took the time to find both well-publicized and also the lesser-known discounts you could be receiving.

  • Auto/Home Discount – When you have multiple policies with one insurance company you may earn up to 20% off your total premium.
  • Safety Course Discount – Taking a course in driver safety could possibly earn you a 5% discount if you qualify.
  • No Accidents – Drivers who don’t have accidents can earn big discounts when compared with bad drivers.
  • Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • Military Rewards – Being on active duty in the military can result in better rates.
  • Discount for Swiching Early – Some companies give discounts for switching to them prior to your current policy expiration. The savings is around 10%.
  • Use Seat Belts – Drivers who require all occupants to use a seat belt could cut 10% or more off the personal injury premium cost.
  • Good Students Pay Less – This discount can earn a discount of 20% or more. The discount lasts up to age 25.

As a disclaimer on discounts, some credits don’t apply to the entire cost. A few only apply to individual premiums such as physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

Companies that possibly offer these benefits are:

It’s a good idea to ask each company which discounts you may be entitled to. Some discounts may not apply in your area.

Tailor your coverage to you

When buying adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique.

For example, these questions can aid in determining if you might need professional guidance.

  • Am I covered when pulling a rental trailer?
  • Am I covered when driving on a suspended license?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered when delivering products for my home-based business?
  • Should I bundle my homeowners policy with my auto?
  • Are my friends covered when driving my 2013 Subaru Tribeca?
  • Can I rate high risk drivers on liability-only vehicles?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form.

Pieces of the Subaru Tribeca insurance rate puzzle

Consumers need to have an understanding of some of the elements that come into play when calculating insurance coverage rates. Understanding what influences your rates allows you to make educated decisions that could result in much lower annual insurance costs.

The list below includes some of the factors companies use to determine premiums.

  • Occupation reflects on rates – Did you know your insurance coverage rates can be affected by your occupation? Jobs such as real estate brokers, social workers and dentists are shown to have the highest average rates attributed to stressful work requirements and lengthy work days. Other occupations such as actors, historians and performers pay the least on Tribeca insurance.
  • Little extras can really add up – There are quite a few extra bells and whistles that you can get tricked into buying on your Tribeca policy. Things like rental car reimbursement, accidental death and additional equipment coverage may be costing you every month. They may seem good at first, but now you might not need them so remove them from your policy.
  • Your credit rating is important – Having a bad credit history is a important factor in calculating your insurance coverage rates. If your credit rating is not that good, you could potentially save money when insuring your 2013 Subaru Tribeca by spending a little time repairing your credit. People with high credit scores tend to be more responsible than drivers with lower credit scores.
  • Optional equipment can affect rates – Choosing a vehicle with an alarm system can help bring down rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
  • Too many insurance coverage claims drive up costs – Car insurance companies generally give better rates to people who do not file claims often. If you tend to file frequent claims, you can expect either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
  • Do you have enough liability coverage? – The liability section of your policy is the coverage that protects you when a court rules you are at fault for personal injury or accident damage. Liability provides legal defense which can be incredibly expensive. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not cut corners here.
  • Your location is important – Residing in small towns and rural areas is a positive aspect when talking about insurance coverage. Lower population means reduced accidents and a lower car theft rate. City drivers have more traffic problems and a longer drive to work. More time commuting means higher likelihood of an accident.

Auto insurance coverages

Learning about specific coverages of your policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Auto liability insurance – This coverage will cover damage or injury you incur to people or other property in an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

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 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims like pain and suffering, medical services, legal defense fees and emergency aid. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Subaru Tribeca.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hail damage, fire damage, falling objects and damage from getting keyed. The most 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 – Coverage for medical payments and/or PIP pay for immediate expenses like dental work, X-ray expenses and surgery. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Collision – Collision insurance will pay to fix damage to your Tribeca resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a parking meter, rolling your car, backing into a parked car and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Have money to burn

We just showed you some good ideas how you can lower your 2013 Subaru Tribeca insurance rates. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. Drivers may discover the biggest savings come from the least-expected company.

Insureds switch companies for a number of reasons such as poor customer service, unfair underwriting practices, high rates after DUI convictions and even being labeled a high risk driver. Regardless of your reason, finding a new company can be easier than you think.

The cheapest insurance can be bought on the web and with local insurance agents, so compare prices from both to have the best selection. Some insurance providers do not offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

Additional auto insurance information can be read on the following sites: