How Much Does 2018 Subaru Crosstrek Car Insurance Cost?

Trying to find the cheapest insurance for your Subaru Crosstrek could be an all-consuming task, but you can learn our insurance buying tips to save time.

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

It’s a great practice to check insurance prices on a regular basis since rates fluctuate regularly. Even if you got the best rate on Crosstrek coverage a year ago you may be paying too much now. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to one of the best ways to eliminate unnecessary coverages and save money.

If you have insurance now or are just looking to switch companies, you will benefit by learning to find the best rates and possibly find even better coverage. Buying the best insurance is quite easy. Drivers only need an understanding of the proper methods to shop their coverage around on the web.

Free auto insurance quotes

Effectively comparing auto insurance prices can take hours if you aren’t aware of the fastest way to get free quotes. You can waste hours driving to insurance agencies in your area, or you could use the web to get rate comparisons in just a few minutes.

All the larger companies enroll in a system where insurance shoppers submit their information once, and each company then returns a price quote based on the submitted data. This eliminates the need for quote requests for each company. To fill out one form to compare multiple rates now click here to start a free quote.

The only downside to pricing coverage this way is you don’t know exactly which providers you want pricing from. So if you want to select specific providers to receive pricing from, we have a page of the cheapest auto insurance companies in your area. Click here to view list.

Whichever way you choose to compare rates, double check that you are using identical coverage limits with each company. If you compare different coverage information you will not be able to truly determine the lowest rate.

Get cheap car insurance rates with discounts

Car insurance is neither fun to buy or cheap, but you might already qualify for some discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically when you complete an application, but a few must be specially asked for before being credited.

  • New Car Discount – Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
  • One Accident Forgiven – This one is not really a discount per se, but certain companies will let one accident slide before they charge you more for coverage if you have no claims for a set time period.
  • Multiple Cars – Buying insurance for several vehicles on the same car insurance policy can reduce the rates for all insured vehicles.
  • Seat Belts Save – Forcing all vehicle occupants to buckle up could cut 10% or more off the medical payments premium.
  • Low Miles Discount – Maintaining low annual mileage can earn lower prices due to less chance of an accident.
  • Auto/Home Discount – When you combine your auto and home insurance with one insurance company you will save up to 20% and get you the cheapest insurance coverage.
  • Accident-Free Discounts – Claim-free drivers have much lower rates as compared to policyholders that have many claims.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn better car insurancerates if you take out some life insurance in addition to your auto policy.

It’s important to understand that some credits don’t apply the the whole policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Even though it may seem like you could get a free car insurance policy, nobody gets a free ride.

Companies and some of their more popular discounts are shown below.

  • GEICO offers premium reductions for membership and employees, federal employee, driver training, multi-policy, seat belt use, and emergency military deployment.
  • Auto-Owners Insurance offers discounts for mature driver, student away at school, anti-lock brakes, paperless, and multiple vehicles.
  • American Family may offer discounts for defensive driver, good student, bundled insurance, mySafetyValet, multi-vehicle, early bird, and Steer into Savings.
  • Esurance has savings for Switch & Save, defensive driver, homeowner, online shopper, emergency road assistance, safety device, and renters.
  • Progressive includes discounts for good student, homeowner, online signing, online quote discount, multi-vehicle, multi-policy, and continuous coverage.
  • State Farm may include discounts for Steer Clear safe driver discount, accident-free, Drive Safe & Save, multiple policy, passive restraint, anti-theft, and good driver.
  • AAA offers discounts including good driver, anti-theft, multi-car, good student, pay-in-full, and multi-policy.

Before buying, ask every insurance company which credits you are entitled to. A few discounts may not be available in your area. For a list of insurance companies who offer car insurance discounts, click this link.

How do car insurance companies determine Subaru Crosstrek insurance rates?

Smart consumers have a good feel for the factors that help calculate your premiums. When you understand what determines base rates, this enables you to make decisions that can earn you lower insurance coverage prices.

Shown below are a partial list of the pieces used by your company to calculate your premiums.

  • Safety ratings are a factor – Vehicles that have high safety ratings tend to be cheaper to insure. The safest vehicles reduce the chance of injuries and lower injury rates means less money paid by your insurance company which can mean better rates for you. If your Subaru Crosstrek scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
  • High credit means lower prices – An insured’s credit rating factor in calculating your insurance coverage rates. If your credit can use some improvement, you could save money insuring your 2018 Subaru Crosstrek by spending a little time repairing your credit. Insureds that have very good credit scores tend to be more responsible than drivers who have worse credit.
  • Bad driving leads to higher costs – Good drivers pay lower auto insurance prices compared to bad drivers. Getting just one driving citation can increase the cost of insurance by as much as thirty percent. Drivers who have gotten license-revoking citations such as DWI, reckless driving or hit and run convictions may find that they have to to complete a SR-22 with their state’s licensing department in order to continue driving.
  • Policy add-ons add up – There are quite a few additional coverages that sound like a good idea at the time if you don’t pay attention. Insurance for things like vanishing deductibles, better glass coverage, and extra life insurance coverage are examples of these. You may think they are a good idea when talking to your agent, but your needs may have changed so get rid of them and save.
  • Premiums drop with age – Young drivers have been known to be more careless when behind the wheel so insurance coverage rates are higher. Older insureds have been proven to be more responsible, are lower risk to insure and get fewer tickets.
  • What are good liability coverage limits? – Your policy’s liability coverage will afford coverage if ever you are found to be at fault for causing personal injury or damage in an accident. Your policy’s liability insurance provides for a legal defense to defend your case. Liability is cheap compared to physical damage coverage, so insureds should have plenty of protection for their assets.
  • Cars with good safety ratings that lower rates – Purchasing a vehicle with anti-theft technology or alarm system can get you a discount on your insurance coverage. Systems that thwart theives such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent auto theft and help lower rates.

Tailor your insurance coverage coverage to you

When it comes to choosing coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different.

For example, these questions can aid in determining whether you would benefit from professional advice.

  • When can I cancel my policy?
  • When would I need rental car insurance?
  • What are the best liability limits?
  • Do I need more liability coverage?
  • Should I sign the liability waiver when renting a car?
  • How many claims can I have before being cancelled?
  • Does having multiple vehicles earn me a discount?
  • Am I covered when using my vehicle for business?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverage considerations

Understanding the coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Liability coverage

Liability insurance provides protection from damages or injuries you inflict on other people or property that is your fault. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability 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 $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as medical expenses, loss of income, bail bonds, court costs and pain and suffering. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for bills for things like hospital visits, doctor visits, dental work and nursing services. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive insurance

This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like theft, a broken windshield and vandalism. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision protection

Collision coverage pays to fix your vehicle from damage from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like hitting a parking meter, crashing into a building, scraping a guard rail, damaging your car on a curb and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.

Feed the piggy bank

Drivers who switch companies do it for a variety of reasons including delays in paying claims, lack of trust in their agent, questionable increases in premium or even poor customer service. It doesn’t matter what your reason, switching companies is less work than it seems.

We just presented many ideas to compare 2018 Subaru Crosstrek insurance car insurance rates online. The key thing to remember is the more providers you compare, the better chance you’ll have of finding the cheapest insurance coverage. You may even find the biggest savings come from some of the lesser-known companies.

When trying to cut insurance costs, do not skimp on coverage in order to save money. In too many instances, an insured dropped comprehensive coverage or liability limits only to discover later that the small savings ended up costing them much more. Your strategy should be to get the best coverage possible at the best price but still have enough coverage for asset protection.

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