Cheaper 2017 Subaru Crosstrek Car Insurance Rates

I can’t think of anyone who is fond of buying insurance, in particular when they are paying too much.

Consumers have multiple car insurance companies to insure vehicles with, and even though it’s nice to have multiple companies, having more auto insurance companies makes it harder to compare rates.

It’s a good habit to check insurance prices yearly because insurance rates go up and down regularly. Even if you got the best premium rates on Crosstrek coverage last year there may be better deals available now. There is a lot of bad information regarding insurance online, but in this article, you’re going to get a lot of great tips on how to lower your insurance bill.

Choosing the best insurance company for you is not rocket science. Essentially anyone who has to buy insurance coverage stands a good chance to be able to find lower rates. But car owners must know the methods companies use to sell online and use this information to your advantage.

Compare insurance coverage rate quotes

To find low cost insurance quotes, there are several ways to compare quotes from different insurance companies. By far the easiest way to find the cheapest 2017 Subaru Crosstrek insurance rates is to use the internet to compare rates. This can be accomplished in just a few minutes using one of these methods.

  1. The simplest way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This method prevents you from having to do separate quote forms for every company. Completing one form gets insurance cost estimates from several companies.
  2. A harder way to find better pricing is going to the website for each individual company and complete a new quote form. For instance, we’ll pretend you want to compare Allstate, 21st Century and State Farm. You would be required to visit each site and enter your policy data, which is why most consumers use the first method.

    For a list of links to companies insuring cars in your area, click here.

  3. The most time-consuming method to get price estimates is to spend time driving to all the different insurance agencies. The ability to buy insurance online has reduced the need for local agents unless your situation requires the professional advice that you can only get from talking to an agent. It is possible with some companies comparison shop your insurance online but buy the policy through an agent.

Compare rates however you want, just be certain you are entering the exact same coverages and limits for every quote you compare. If each company quotes different values for each quote it will be very difficult to make an equal comparison. Having just a slight variation in limits may cause a big price difference. It’s important to know that comparing a wide range of rates increases the change that you will find the best price.

Car insurance policy discounts you can’t miss

Car insurance is neither fun to buy or cheap, but there’s a good chance there are discounts that many people don’t even know exist. Many discounts should be triggered at quote time, but less common discounts must be manually applied prior to receiving the credit.

  • Sign Online – Certain companies give back up to $50 shop insurance on your computer.
  • Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% on Crosstrek coverage with some car insurance companies.
  • Home Ownership Discount – Just owning your own home can get you a discount because of the fact that having a home requires a higher level of personal finance.
  • Military Rewards – Being deployed with a military unit could qualify you for better car insurance rates.
  • Multi-car Discount – Buying coverage for primary and secondary vehicles with the same car insurance company can reduce rates for all insured vehicles.
  • Discount for Life Insurance – Larger car insurance companies have a discount if you purchase life insurance from them.
  • Accident Forgiveness – This isn’t a discount exactly, but some companies like State Farm and Allstate will allow you to have one accident without getting socked with a rate hike with the catch being you have to be claim-free for a certain period of time.
  • Good Student Discount – Maintaining excellent grades can be rewarded with saving of up to 25%. You can use this discount normally well after school through age 25.
  • Accident-Free Discounts – Drivers with accident-free driving histories can save substantially as compared to insureds who have frequent claims or accidents.
  • College Student – Kids living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.

Remember that most discounts do not apply to your bottom line cost. Most only cut the cost of specific coverages such as comprehensive or collision. So even though they make it sound like you can get free auto insurance, you’re out of luck.

A few of the larger companies and some of their more popular discounts can be found below.

  • State Farm policyholders can earn discounts including passive restraint, multiple autos, good student, accident-free, and anti-theft.
  • Progressive may offer discounts for homeowner, multi-vehicle, online signing, multi-policy, and continuous coverage.
  • Progressive may include discounts for homeowner, multi-policy, online quote discount, continuous coverage, and multi-vehicle.
  • MetLife discounts include defensive driver, accident-free, claim-free, good student, good driver, multi-policy
  • Farm Bureau offers discounts for good student, multi-vehicle, multi-policy, safe driver, and driver training.
  • Geico offers premium reductions for driver training, military active duty, air bags, defensive driver, good student, federal employee, and seat belt use.
  • SAFECO includes discounts for homeowner, bundle discounts, multi-car, anti-theft, accident prevention training, and teen safe driver.

It’s a good idea to ask each company or agent which discounts you may be entitled to. Some of the discounts discussed earlier may not apply to policies everywhere. If you would like to choose from a list of car insurance companies who offer discounts, follow this link.

Why you might pay higher rates

It’s important that you understand the factors that go into determining the rates you pay for auto insurance. If you have some idea of what impacts premium levels, this helps enable you to make changes that could help you find lower rates. Lots of things are used in the calculation when you get a price on insurance. Some of the criteria are obvious such as your driving history, but some are not quite as obvious like where you live or how safe your car is.

  • Frequent claims will cost you more – Auto insurance companies provide better rates to policyholders who do not rely on their insurance for small claims. If you frequently file small claims, you can definitely plan on either policy cancellation or increased premiums. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Where you call home can influence costs – Having an address in small towns and rural areas is a positive aspect when it comes to auto insurance. Drivers in populated areas tend to have more traffic problems and a longer drive to work. Less people living in that area means a lower chance of having an accident as well as less vandalism and auto theft.
  • Gender and insurance prices – The statistics show that females take fewer risks when driving. That doesn’t necessarily mean that women are better drivers. Men and women are in auto accidents in similar numbers, but the men tend to have higher claims. Not only are claims higher, but men receive more major tickets like reckless driving and DUI.
  • Low deductibles mean high costs – Deductibles for physical damage are the amount of money you are willing to pay before your auto insurance pays a claim. Insurance for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of some claims that would be covered could be colliding with a stationary object, hail damage, and damage caused by road hazards. The more expense the insured is willing to pay, the less your company will charge you for insurance on Crosstrek coverage.
  • Policy add-ons may be wasting money – There are quite a few extra coverages that may not really be needed on your auto insurance policy. Insurance for replacement cost coverage, high-cost glass coverage, and motor club memberships are some examples. You may think they are a good idea when talking to your agent, but your needs may have changed so remove them and pocket the money.
  • Lower rates for cars with good safety ratings – Safer cars can get you lower premiums. Vehicles engineered for safety reduce occupant injuries and better occupant protection means lower claim amounts and more competitive rates for policyholders. If your Subaru Crosstrek is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
  • Teenage drivers are expensive to insure – Inexperience drivers are proven to be easily distracted behind the wheel so they pay higher auto insurance rates. Mature drivers are shown to be more cautious, are lower risk to insure , and are generally more financially stable.
  • Stress out and pay more – Did you know that where you work can have an impact on rates? Occupations like military generals, architects and emergency personnel generally have the highest average rates attributed to intense work situations and long work hours. Other jobs like professors, students and performers generally pay rates lower than average on Crosstrek coverage.

Insurance agents can help

When it comes to buying adequate coverage, there really is not a “best” method to buy coverage. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining whether or not you could use an agent’s help.

  • Why do I need rental car insurance?
  • What is the ISO rating for a 2017 Subaru Crosstrek?
  • Am I covered if I hit a deer?
  • How much can I save by bundling my policies?
  • When should my teen driver be added to my policy?
  • Is a fancy paint job covered?

If you don’t know the answers to these questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

Be skeptical of insurance coverage ads

Progressive, Allstate and Geico constantly bombard you with television, radio, and online ads. They all seem to try to convey promises that people will save if you switch your policy. How is it possible that every company can have lower policy pricing? It’s all in the words they use.

Different companies give the cheapest rates for the type of driver that earns them a profit. For instance, a desirable insured may be between the ages of 30 and 50, has a clear driving record, and the vehicle is rated for pleasure use. Someone who matches that profile will get a cheap rate quote as well as save quite a bit of money when switching.

Consumers who don’t meet the “perfect” profile will be quoted higher premium rates and the prospect going elsewhere. The ad wording is “customers that switch” but not “everyone who gets a quote” save the amount stated. This is how companies can truthfully make it sound like they have such great car insurance rates. Because of these techniques, it’s extremely important to compare price quotes frequently. It’s just too difficult to predict the company that will have better rates than you’re paying now.

Insurance coverage basics

Having a good grasp of insurance can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by insurance companies.

Liability coverages

This coverage will cover damages or injuries you inflict on other people or property that is your fault. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like medical services, attorney fees, legal defense fees and court costs. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM Coverage

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Subaru Crosstrek.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Collision coverage

Collision insurance will pay to fix damage to your Crosstrek caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a building, colliding with a tree, damaging your car on a curb, hitting a mailbox and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for bills for things like doctor visits, EMT expenses, rehabilitation expenses and surgery. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hail damage, hitting a bird and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Cheaper insurance is a realistic goal

In this article, we presented many ways to save on 2017 Subaru Crosstrek insurance. The key concept to understand is the more times you quote, the better chance you’ll have of finding the cheapest insurance. Consumers could even find that the lowest rates come from some of the lesser-known companies. Regional companies may have significantly lower auto insurance rates on certain market segments than the large multi-state companies such as State Farm, Geico and Nationwide.

As you prepare to switch companies, never sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice physical damage coverage and discovered at claim time that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage for the lowest price while still protecting your assets.

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