Save on 2015 Subaru WRX Car Insurance Quotes

Having to pay for overpriced Subaru WRX insurance can overdraw your personal savings and make it impossible to make ends meet. Comparison shopping is free, only takes a few minutes, and is a good way to help make ends meet. Big-name insurance companies like Allstate, Progressive and Geico persitently shower you with fancy advertisements and it can be hard to see past the corporate glitz and do the work needed to find the best deal.

It’s smart to compare rates every six months because rates are rarely the same from one policy term to another. If you had the best price on WRX coverage on your last policy other companies may now be cheaper. So just forget all the misinformation about insurance coverage because you’re going to get a crash course in the best methods to properly buy coverages and cut your premium.

Are you getting all your discounts?

The price of auto insurance can be rather high, but there could be available discounts that can drop the cost substantially. Some trigger automatically when you purchase, but a few must be inquired about before you get the savings. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
  • Discount for New Cars – Adding a new car to your policy is cheaper due to better safety requirements for new cars.
  • Paperwork-free – Some insurance companies will discount your bill up to fifty bucks simply for signing digitally online.
  • Early Signing – A few companies offer discounts for switching to them before your current expiration date. This can save 10% or more.
  • Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Multiple Vehicles – Buying coverage for multiple vehicles on the same insurance policy can get a discount on all vehicles.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
  • Memberships – Being a member of a professional or civic organization could trigger savings when buying insurance on WRX coverage.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.

It’s important to understand that most discount credits are not given to the entire cost. Some only reduce individual premiums such as liability and collision coverage. So when it seems like you can get free auto insurance, it just doesn’t work that way. But any discount will cut the cost of coverage.

For a list of providers offering insurance discounts, click here.

How to Compare Car Insurance

Effectively comparing car insurance prices can be exhausting if you don’t understand the easiest way. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you can stay home and use online quoting to maximize your effort.

Many companies belong to a marketplace that allows shoppers to only type in their quote data once, and every company then gives them pricing based on that information. This eliminates the need for repetitive form submissions for every car insurance company.

To find out how much you’re overpaying now click to open in new window.

One minor caviat to doing it this way is that you can’t choose the insurers to receive prices from. So if you prefer to choose individual companies to compare rates, we have a page of the cheapest car insurance companies in your area. View list of insurance companies.

Whichever way you use, ensure you are comparing apples-to-apples coverage limits and deductibles for each price quote. If you use different values for each quote it’s not possible to make a fair comparison for your Subaru WRX.

When might I need an agent?

When choosing the best insurance coverage coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. For example, these questions could help you determine if you would benefit from an agent’s advice.

  • What is high-risk coverage and where do I buy it?
  • Should I carry comprehensive and collision coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is motorclub coverage worth it?
  • Do I have coverage when making deliveries for my home business?
  • Are all vehicle passengers covered by medical payments coverage?
  • Can I afford to buy a different vehicle if my 2015 Subaru WRX is totaled?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Auto insurance coverages

Learning about specific coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and coverage can change by endorsement. Listed below are the usual coverages found on the average auto insurance policy.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hail damage, a tree branch falling on your vehicle, hitting a bird, damage from getting keyed and a broken windshield. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like chiropractic care, prosthetic devices, nursing services, ambulance fees and EMT expenses. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Subaru WRX.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages are set the same as your liablity limits.

Collision insurance

Collision insurance covers damage to your WRX caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as scraping a guard rail, hitting a parking meter, rolling your car, backing into a parked car and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Liability coverages

Liability coverage can cover damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as attorney fees, pain and suffering, loss of income, legal defense fees and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

The bottom line

In this article, we presented a lot of techniques to get a better price on 2015 Subaru WRX insurance. The key concept to understand is the more times you quote, the higher the chance of saving money. Consumers may even find the biggest savings come from an unexpected company. Regional companies often have lower prices on specific markets than the large multi-state companies such as Allstate, Geico and Progressive.

When trying to cut insurance costs, do not reduce coverage to reduce premium. In many cases, an accident victim reduced full coverage only to regret that the small savings ended up costing them much more. Your aim should be to buy enough coverage for the lowest price while not skimping on critical coverages.

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