2017 Subaru WRX Car Insurance Quotes

Trying to find better insurance prices for a new or used Subaru WRX can be a painful process, but you can learn a few tricks to find lower rates.

There are more efficient ways to buy car insurance and you need to know the quickest way to get price quotes for a new or used Subaru and locate the lowest possible price from both online companies and local agents.

It is always a good idea to compare rates periodically because car insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the best deal for WRX insurance at your last renewal other companies may now be cheaper. Forget all the misinformation about car insurance because you’re about to learn the best methods to reduce your cost while improving coverage.

Finding affordable insurance coverage is simple if you know the tricks. If you have a policy now or are just looking to switch companies, you can use these tips to find better prices while maintaining coverages. Consumers just need to understand the tricks to buy insurance online.

The fastest way that we advise to get policy rate comparisons is to realize almost all companies will pay a fee to compare rate quotes. The one thing you need to do is provide a little information including if you have a valid license, your job, if the vehicle is leased, and the ages of drivers. That rating data is instantly provided to multiple top-rated companies and you will get price comparisons immediately.

Verify you’re receiving every discount

Some companies don’t necessarily list every discount they offer in a way that’s easy to find, so the list below gives a summary of a few of the more well known as well as some of the hidden credits that may apply to you. If they aren’t giving you every credit available, you could be saving more on your car insurance.

  • Telematics Devices – Drivers who agree to allow their company to track where and when they drive remotely such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if their driving habits are good.
  • Homeowners Pay Less – Owning a house can save you money since owning and maintaining a home requires a higher level of personal finance.
  • Use Seat Belts – Drivers who require all occupants to buckle their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • Multi-policy Discount – If you can bundle your home and auto insurance with one company you could save over 10 percent off each policy depending on the company.
  • Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% for WRX insurance with certain companies.
  • Anti-theft System – Cars, trucks, and SUVs that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to your bottom line cost. Some only reduce specific coverage prices like liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, it’s just not the way it works. Any amount of discount will help reduce your policy premiums.

To find insurers that offer many of these discounts, click here.

When should I discuss my situation with an agent?

When it comes to choosing coverage for your vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.

These are some specific questions might point out whether your personal situation might need professional guidance.

  • When does my teenage driver need to be added to my policy?
  • Am I covered if I hit my neighbor’s mailbox?
  • What is the difference between comprehensive and collision coverage?
  • What is high-risk coverage and where do I buy it?
  • Am I covered if hit by an uninsured driver?
  • If my pet gets injured in an accident are they covered?
  • Do I need motorclub coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • Does medical payments coverage apply to all occupants?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can help protect your family.

What insurance coverages do you need?

Learning about specific coverages of insurance aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, hitting a bird, fire damage and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage protection

This coverage will pay to fix damage to your WRX caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like crashing into a ditch, hitting a parking meter, driving through your garage door, backing into a parked car and scraping a guard rail. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to bump up the deductible to bring the cost down.

Liability coverages

Liability insurance will cover damage that occurs to a person or their property that is your fault. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as pain and suffering, repair costs for stationary objects, repair bills for other people’s vehicles, structural damage and bail bonds. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Subaru WRX.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical expense insurance

Med pay and PIP coverage reimburse you for bills such as X-ray expenses, surgery and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay