2013 Subaru BRZ Car Insurance Cost

Shoppers have a choice when shopping for low-cost Subaru BRZ insurance. They can either spend hours contacting agents trying to get quotes or use the internet to find the lowest rates.

There are more efficient ways to compare auto insurance rates and we’ll show you the quickest way to quote coverages for your Subaru and find the lowest price from both online companies and local agents.

It’s a great practice to price shop coverage on a regular basis because insurance rates are adjusted regularly by insurance companies. Even if you think you had the best rates for BRZ insurance last year the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding auto insurance on the internet, so we’re going to give you the easiest ways to quit paying high auto insurance rates.

Auto Insurance Comparison Rates

There are multiple methods to compare 2013 Subaru BRZ auto insurance quotes, but there is one way that is less time-consuming than others. You could waste a few hours talking to local insurance agents in your area, or you could save time and use online quotes to achieve your goal.

All the larger companies participate in a marketplace that allows shoppers to enter their coverage request one time, and each participating company provides a quote based on that data. This prevents consumers from doing form submissions to every company.

To compare 2013 Subaru BRZ rates using this form now click to open in new window.

The only downside to getting quotes like this is that you can’t choose which carriers to get quotes from. If you wish to select specific providers to request quotes from, we put together a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just be sure to compare the exact same information on every quote. If you use different deductibles it’s impossible to determine the lowest rate for your Subaru BRZ.

Switch companies and save? Really?

Consumers can’t ignore all the ads for cheaper car insurance by Allstate and Progressive. All the ads make an identical promise about savings if you change to their company.

How can each company claim to save you money? It’s all in the numbers.

All the different companies are able to cherry pick for the driver they prefer to insure. An example of a preferred risk could be over the age of 50, has no tickets, and drives less than 10,000 miles a year. Any new insured who matches those parameters is entitled to the best price and therefore will save quite a bit of money when switching.

Potential insureds who do not match the “perfect” profile must pay higher premiums and ends up with the driver buying from a lower-cost company. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that much money. That’s why companies can truthfully make the claims of big savings.

This illustrates why it is so important to quote coverage with many companies. You cannot predict which car insurance company will provide you with the cheapest Subaru BRZ insurance rates.

Take advantage of discounts

Car insurance is not cheap, buy you may qualify for discounts to reduce the price significantly. Certain discounts will be triggered automatically at quote time, but some must be requested specifically before being credited. If you don’t get every credit available, you’re paying more than you need to.

  • Life Insurance – Some companies give lower rates if you buy life insurance from them.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Accident Waiver – A few companies will forgive one accident before your rates go up if you are claim-free prior to the accident.
  • Memberships – Participating in a professional or civic organization could trigger savings on insurance coverage for BRZ insurance.
  • College Student – Kids in college living away from home attending college without a vehicle on campus may be able to be covered for less.
  • Seat Belts Save – Requiring all passengers to use a seat belt can save up to 15% off your PIP or medical payments premium.
  • Defensive Driver – Taking a course in driver safety could cut 5% off your bill if you qualify.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for BRZ insurance than drivers with accidents.

A little note about advertised discounts, some credits don’t apply to the entire cost. The majority will only reduce individual premiums such as liability and collision coverage. Just because you may think all the discounts add up to a free policy, you’re out of luck. Any amount of discount will reduce the amount you have to pay.

Companies that may offer some of the above discounts may include but are not limited to:

It’s a good idea to ask each company which discounts you may be entitled to. All car insurance discounts may not apply in your state.

How to know if you need help

When it comes to choosing adequate coverage for your vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining if you might need an agent’s assistance.

  • If I drive on a suspended license am I covered?
  • What are the financial responsibility laws in my state?
  • Should I have combined single limit or split liability limits?
  • Are rock chip repairs covered?
  • Can I get a multi-policy discount?
  • When do I need to add a new car to my policy?
  • When can my company non-renew my policy?
  • Can my babysitter drive my car?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I need higher collision deductibles?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverage information

Having a good grasp of car insurance helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy.


This coverage protects you from damage that occurs to people or other property in an accident. It protects you against other people’s claims, and does not provide coverage for 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 values of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like attorney fees, legal defense fees and bail bonds. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Subaru BRZ.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for bills for surgery, ambulance fees, doctor visits and X-ray expenses. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Auto collision coverage

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like colliding with another moving vehicle, driving through your garage door, sustaining damage from a pot hole and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a deer, falling objects, rock chips in glass, hail damage and damage from flooding. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Never pay more for less

We just covered many tips how you can save on 2013 Subaru BRZ insurance. The key thing to remember is the more times you quote, the better chance you’ll have of finding lower rates. Drivers may discover the best prices are with a company that doesn’t do a lot of advertising.

Drivers switch companies for a number of reasons such as not issuing a premium refund, high prices, questionable increases in premium or even high rates after DUI convictions. Whatever your reason, finding a new car insurance company is less work than it seems.

Low-cost insurance can be purchased on the web and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies do not offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

Additional car insurance information can be found on the following sites: