Compare 2003 Subaru Baja Car Insurance Quotes

Want better insurance rates for your Subaru Baja? Paying for high-priced Subaru Baja insurance can dwindle your personal savings, especially in this economy. Doing a price comparison is a smart way to make sure you’re not throwing money away.

Insurance companies such as State Farm, Progressive and GEICO continually bombard you with advertising and it is difficult to sift through the bull and take the time to shop coverage around.

Free Quotes for Car Insurance

The are a couple different ways to compare quotes from different insurance companies. One of the best ways to find the cheapest 2003 Subaru Baja insurance rates consists of obtaining rate quotes online. This can be accomplished using a couple different methods.

  1. Probably the best way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This type of form eliminates the need for separate quotes for each company. One form gets you price quotes from several companies.
  2. Another way to get comparison quotes requires you to visit the website of each company and request a quote. For sake of this example, let’s assume you want rates from Allstate, Safeco and Travelers. To get each rate you have to spend time on each company’s site and enter your policy data, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  3. The hardest method of comparing rate quotes is driving to different agent offices. Shopping for car insurance online makes this process obsolete unless you want the professional advice of a licensed agent. Drivers can comparison shop your insurance online and get advice from an agent in your area and we’ll touch on that later.

It’s your choice how you get your quotes, but ensure you are comparing the exact same information with each company. If the quotes have different limits and deductibles on each one it’s impossible to decipher which rate is best. Slightly different limits can mean a large discrepancy in price. Just remember that more quotes helps you find the best offered rates.

Don’t overlook these discounts

The price of auto insurance can be rather high, buy you may qualify for discounts to help bring down the price. Larger premium reductions will be automatically applied when you get a quote, but some may not be applied and must be specifically requested in order for you to get them.

  • Paperless Signup – A few companies may give you up to $50 simply for signing over the internet.
  • Homeowners Pay Less – Simply owning a home can help you save on car insurance because owning a home shows financial diligence.
  • Discount for Good Grades – Getting good grades can save 20 to 25%. The good student discount can last up until you turn 25.
  • No Accidents – Drivers who don’t have accidents pay much less when compared with accident-prone drivers.
  • 55 and Retired – Older drivers may be able to get a discount up to 10% on Baja insurance.
  • Student in College – Youth drivers who live away from home and do not have a car can receive lower rates.
  • Early Signing – Some insurance companies reward drivers for signing up prior to your current policy expiring. This can save 10% or more.
  • Low Mileage – Driving fewer miles could be rewarded with better rates on cars that stay parked.

It’s important to note that many deductions do not apply to your bottom line cost. Most only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, car insurance companies aren’t that generous. But all discounts will cut the cost of coverage.

To see a list of insurers offering car insurance discounts, click here.

Is my situation unique?

When it comes to buying adequate coverage, there is no “perfect” insurance plan. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that might help in determining whether or not you might need professional guidance.

  • Which companies will insure high-risk drivers?
  • What is the ISO rating for a 2003 Subaru Baja?
  • What if I total my 2003 Subaru Baja and owe more than it’s worth?
  • I don’t drive much so do I pay less?
  • Do I benefit by insuring my home with the same company?
  • How can I get my company to pay me more for my totalled car?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I need replacement cost coverage on my 2003 Subaru Baja?
  • Does coverage extend to a rental car in a foreign country?
  • Are all vehicle passengers covered by medical payments coverage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Specific coverages for a Subaru Baja

Understanding the coverages of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are the normal coverages found on the average insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Subaru Baja.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are set the same as your liablity limits.

Medical payments and PIP coverage

Med pay and PIP coverage pay for immediate expenses for dental work, chiropractic care, ambulance fees, funeral costs and pain medications. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Liability coverage

This will cover damage or injury you incur to other people or property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like structural damage, attorney fees, repair bills for other people’s vehicles, medical services and repair costs for stationary objects. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage protection

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like driving through your garage door, damaging your car on a curb and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, hitting a bird, theft, hitting a deer and rock chips in glass. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.