2013 Subaru XV Crosstrek Insurance Rates

Trying to find the cheapest insurance for a Subaru XV Crosstrek can normally be a lot of work, but you can learn these tips to save time.

There are more efficient ways to find auto insurance online and you need to know the quickest way to price shop coverage for a Subaru and get the best price possible from both online companies and local agents.

Factors influencing Subaru XV Crosstrek insurance rates

It’s important that you understand the different types of things that help determine your auto insurance rates. Having a good understanding of what controls the rates you pay enables informed choices that may reward you with better auto insurance rates.

  • Don’t let your coverage lapse – Driving your car without having proper coverage is against the law and you will pay a penalty because you let your coverage lapse. Not only will you pay more, but being ticketed for driving with no insurance might get you a revoked license or a big fine.
  • Better credit scores mean better rates – Credit score is a huge factor in determining your rates. Drivers with high credit scores tend to file fewer claims and have better driving records as compared to drivers with lower credit scores. Therefore, if your credit is low, you could save money insuring your 2013 Subaru XV Crosstrek by improving your credit score.
  • Do you qualify for a multi-policy discount? – Many companies provide better rates to policyholders who consolidate policies with them. It’s known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, it’s still a good idea to compare rates to verify if the discount is saving money. You may still find a better deal by buying insurance from more than one company.
  • Poor driving leads to higher costs – Drivers with clean records receive lower rates compared to drivers with tickets. Just one citation may increase your cost twenty percent or more. Drivers who get flagrant violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form to the state department of motor vehicles in order to keep their license.
  • Do you have enough liability coverage? – The liability section of your policy provides coverage if ever you are found liable for causing damage or personal injury in an accident. It provides legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
  • Being married is a good thing – Getting married actually saves money on auto insurance. Having a spouse is viewed as being more mature and responsible and statistics show married drivers get in fewer accidents.
  • Where do you drive? – The more miles you rack up on your Subaru in a year’s time the more you’ll pay to insure your vehicle. Most companies rate vehicles determined by how the vehicle is used. Cars and trucks used primarily for pleasure use qualify for better rates compared to those used for work or business. Double check that your auto insurance policy shows how each vehicle is driven. Incorrect usage on your XV Crosstrek may be costing you.
  • Lower rates come with age – Youthful drivers have a tendency to be more careless in a vehicle so they pay higher auto insurance rates. Mature drivers are viewed as being more responsible, file fewer claims and tend to be better behind the wheel.

Automobile Insurance Quotes

Most companies like Progressive, Allstate and Geico provide prices online. This process is pretty painless as you just type in your coverage preferences as requested by the quote form. Behind the scenes, their rating system orders your driving and credit reports and gives you a price quote based on these factors.

This simplifies rate comparisons, but the work required to visit several different sites and enter the same data into a form can get tiresome after awhile. But it’s very important to perform this step in order to get a better rate.

Quote rates the easy way

The easiest way to lower your insurance bill makes use of a single form to obtain quotes from multiple companies. The form is fast, eliminates repetitive work, and makes online quotes much easier to do. Once the form is submitted, it gets priced and you can select any one of the quotes that you receive.

If you find a better price you can simply submit the application and purchase coverage. The whole process can be completed in a matter of minutes and could lower your rates considerably.

To compare rates now, click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you complete the form with the coverage information as close as possible to your current policy. This helps ensure you are getting comparison quotes based on similar coverages.

Companies offer discounts so take them!

Insuring your fleet can be pricey, but you can get discounts that you may not even be aware of. Certain discounts will be applied at the time of quoting, but less common discounts must be specially asked for before they will apply. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Defensive Driver – Completing a course in driver safety can save you 5% or more depending on where you live.
  • Distant Student – Youth drivers who live away from home and do not have a car can be insured at a reduced rate.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident before raising your premiums as long as you don’t have any claims prior to the accident.
  • Federal Employees – Active or retired federal employment may qualify you for a discount on XV Crosstrek coverage with select insurance companies.
  • Anti-theft Discount – Anti-theft and alarm systems can help prevent theft and will save you 10% or more.

Consumers should know that some of the credits will not apply to your bottom line cost. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, companies don’t profit that way. But all discounts will bring down your premiums.

Companies who might offer these money-saving discounts are:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. All car insurance discounts might not apply everywhere.

Do I just need basic coverages?

When it comes to buying the best auto insurance coverage for your vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining whether or not you might need professional guidance.

  • Am I covered if I hit a deer?
  • Is my Subaru XV Crosstrek covered if I use it for business?
  • When would I need rental car insurance?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is my ex-spouse still covered by my policy?
  • When can I cancel my policy?
  • When should I not file a claim?
  • Where can I find DUI or SR-22 insurance?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

What car insurance coverages do you need?

Having a good grasp of your policy can help you determine the best coverages and the correct deductibles and limits. Car insurance terms can be confusing and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Subaru XV Crosstrek.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.

Comprehensive coverage

This pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as a broken windshield, vandalism, damage from flooding, fire damage and hitting a deer. The highest amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for immediate expenses for pain medications, EMT expenses and X-ray expenses. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision insurance pays for damage to your XV Crosstrek resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like sustaining damage from a pot hole, rolling your car, colliding with another moving vehicle, scraping a guard rail and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Liability car insurance

Liability coverage can cover damage or injury you incur to other people or property by causing an accident. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like court costs, attorney fees, structural damage and loss of income. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Save your cold hard cash

Cheap 2013 Subaru XV Crosstrek insurance can be sourced online and also from your neighborhood agents, so you should compare both to get a complete price analysis. Some insurance providers may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

Drivers who switch companies do it for any number of reasons including questionable increases in premium, being labeled a high risk driver, delays in responding to claim requests or an unsatisfactory settlement offer. No matter why you want to switch, finding a great new company is not as hard as you think.

Throughout this article, we presented a lot of information how to reduce insurance prices online. The key thing to remember is the more price quotes you have, the better likelihood of reducing your rate. You may even discover the most savings is with the least-expected company.

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