2016 Subaru WRX Car Insurance Rates – 7 Ways to Save

Searching for cheap insurance on the internet may be difficult for people who are new to price shopping online. With so many online companies, how can drivers possibly compare them all to find the lowest rates?

It’s a good idea to take a look at other company’s rates on a regular basis since rates tend to go up over time. Despite the fact that you may have had the lowest rates on WRX insurance two years ago you can probably find a better price now. Ignore everything you know about insurance because I’m going to let you in on the secrets to the only way to find the best coverage while lowering your premiums.

Cheap Car Insurance Comparisons

There are multiple methods to shop for 2016 Subaru WRX car insurance, but there is one way that is less time-consuming than others. You can waste a few hours (or days) driving to agents in your area, or you can utilize online quotes to get rates in a matter of minutes.

Most of the larger companies participate in a marketplace where prospective buyers submit their information once, and every company can give them a price based on that information. This prevents consumers from doing quote forms to each individual car insurance company. To find out how much you’re overpaying now click here (opens in new window).

The only downside to comparing rates this way is buyers cannot specifically choose the insurers to get quotes from. So if you want to select specific insurance companies to compare, we have a listing of car insurance companies in your area. Click here to view list.

Whichever method you choose, compare identical coverages with every price quote. If you enter differing limits it will be very difficult to determine the best price for your Subaru WRX. Having just a slight variation in limits may result in a large different in cost. Keep in mind that more quotes will enable you to find lower pricing.

When might I need an agent?

When buying proper insurance coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions can aid in determining if your situation would benefit from professional advice.

  • When do I need to add a new car to my policy?
  • Should I buy additional glass protection?
  • Is motorclub coverage worth it?
  • Am I insured when driving a different vehicle?
  • Are rental cars covered under my policy?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If you’re not sure about those questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance 101

Having a good grasp of a auto insurance policy can help you determine appropriate coverage and proper limits and deductibles. Auto insurance terms can be confusing and coverage can change by endorsement.

Liability coverage – Liability insurance provides protection from damage or injury you incur to a person or their property in an accident. It protects you against claims from other people, and doesn’t cover 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. You commonly see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like funeral expenses, pain and suffering, medical services and structural damage. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Medical costs insurance – Med pay and PIP coverage kick in for immediate expenses for things like EMT expenses, chiropractic care, surgery, funeral costs and pain medications. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

UM/UIM Coverage – This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like colliding with a tree, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like theft, falling objects and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.