Looking for the cheapest car insurance rates for your Subaru Baja? Tired of scraping the payment together to insure your Subaru every month? You’re in the same situation as the majority of other car owners.
With so many car insurance companies to choose from, it’s difficult to pick the lowest price company.
There are a lot of ways you can shop for insurance but there is one way that is less time-consuming than others. You can waste a lot of time talking to insurance agencies in your area, or you could use online quotes to quickly compare rates.
Many companies belong to a marketplace that allows shoppers to complete one form, and at least one company returns a rated price based on the submitted data. This saves time by eliminating form submissions for every insurance company.
To access this free quoting program, click to open in new window.
The single downside to using this type of form is you cannot specify the insurers you will receive quotes from. So if you prefer to pick specific providers to receive pricing from, we have a listing of low cost insurance companies in your area. View list of insurance companies.
However you get your quotes, ensure you are comparing apples-to-apples quote information for each price quote. If you use mixed coverages it’s impossible to truly determine the lowest rate. Having just a slight variation in coverage limits can make a big difference in price. Keep in mind that obtaining a wide range of quotes helps you find lower pricing.
When it comes to buying adequate coverage, there really is no best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions may help you determine if your insurance needs may require specific advice.
If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.
Having a good grasp of a insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. Shown next are typical coverage types found on the average insurance policy.
Medical payments coverage and PIP
Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like ambulance fees, X-ray expenses, EMT expenses and rehabilitation expenses. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay
Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.
Collision insurance covers things like rolling your car, crashing into a building, crashing into a ditch and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.
Liability insurance can cover damages or injuries you inflict on other people or property that is your fault. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.
Liability can pay for things such as repair costs for stationary objects, legal defense fees, pain and suffering and court costs. How much liability coverage do you need? That is your choice, but buy higher limits if possible.
This coverage pays for 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 coverage protects against things like damage from a tornado or hurricane, falling objects, vandalism, damage from getting keyed and rock chips in glass. The maximum payout a 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 consider dropping full coverage.
Uninsured/Underinsured Motorist coverage
Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2004 Subaru Baja.
Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.