Cheaper 2003 Subaru Baja Insurance Rates

Want the cheapest auto insurance rates for your Subaru Baja? Do you get exhausted from trying to scrape together enough money to insure your Subaru every month? Your situation is no different than many other consumers. Lots of insurance companies contend for your business, so it’s not easy to compare every insurer and uncover the absolute lowest rate possible.

It’s a good habit to compare premium rates once or twice a year since insurance prices are usually higher with each renewal. Just because you found the best rate on Baja coverage last year you can probably find a better premium rate now. There are lots of tips to save on auto insurance out there, but in this article, you’re going to get some great ways to lower your auto insurance premiums.

Find hidden discounts on insurance coverage

Companies that sell car insurance don’t necessarily list every policy discount very clearly, so the next list breaks down both well-publicized as well as some of the hidden credits available to bring down your rates. If you do not double check each discount available, you could be paying more than you need to.

• Bundled Policy Discount – When you have multiple policies with the same company you may save approximately 10% to 15%.
• Payment Discounts – If you pay your entire premium ahead of time as opposed to paying monthly you could save up to 5%.
• Discount for Swiching Early – Select companies give a discount for switching companies before your current coverage expires. You could save around 10% when you buy insurance online.
• Active Military Service – Being deployed in the military could be rewarded with lower insurance coverage rates.
• Auto/Life Discount – If the company offers life insurance, you could get better premium rates if you take out life insurance from them.
• Safety Restraint Discount – Drivers who require all vehicle occupants to buckle their seat belts can save up to 15% off the personal injury premium cost.
• Fewer Miles Equal More Savings – Low annual miles may enable drivers to earn cheaper premium rates.

Don’t be surprised that many deductions do not apply to the entire policy premium. Most cut the price of certain insurance coverages like comprehensive or collision. Even though it appears you can get free auto insurance, you’re out of luck.

Larger insurance coverage companies and a summarized list of policyholder discounts are:

• AAA offers discounts including education and occupation, good student, multi-policy, AAA membership discount, and pay-in-full.
• Progressive may include discounts for online quote discount, multi-vehicle, good student, continuous coverage, homeowner, and multi-policy.
• State Farm includes discounts for multiple policy, good driver, Drive Safe & Save, defensive driving training, Steer Clear safe driver discount, driver’s education, and safe vehicle.
• Esurance policyholders can earn discounts including paid-in-full, DriveSense, online quote, good student, anti-lock brakes, and multi-policy.
• Nationwide may offer discounts for good student, defensive driving, anti-theft, multi-policy, and accident-free.

Double check with every prospective company to apply every possible discount. Some of the discounts discussed earlier might not apply in your state.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

How to buy insurance coverage online

Most companies like 21st Century, Allstate and State Farm allow you to get pricing online. Doing online price comparisons is pretty easy as you just enter your coverage information into the quote form. When the form is submitted, their rating system collects reports for credit and driving violations and gives you a price quote determined by many factors. This streamlines rate comparisons, but the time it takes to visit a lot of sites and type in the same information can be a bit repetitive. But it is imperative to have as many quotes as possible if you are searching for a lower rate.

There is an easier way to compare rates

The smarter way to lower your rates makes use of a single form that gets price quotes from several different companies. The form is fast, requires much less work on your part, and makes online price comparison much more enjoyable and efficient. After sending your information, it gets priced with multiple companies and you can pick any one of the resulting price quotes. If the quotes result in lower rates, it’s easy to complete the application and buy the policy. This process takes less than 15 minutes and could lower your rates considerably.

To save time and compare pricing, click here and submit your coverage information. To compare your current rates, we recommend you type in deductibles and limits identical to your current policy. This helps ensure you will be getting rate quotes based on the exact same insurance coverage.

Educated choices result in lower insurance rates

It’s important that you understand some of the elements that help determine insurance rates. If you understand what determines base rates, this enables you to make decisions that could help you find much lower annual insurance costs. Many factors are used in the calculation when you quote your car insurance policy. Some factors are common sense like an MVR report, but others are less obvious like your vehicle usage or how financially stable you are.

Shown below are some of the items utilized by car insurance companies to help set your rate level.

• Occupation and insurance insurance rates – Jobs like real estate brokersair traffic controllers and dentists generally have higher average rates because of intense work-related stress and long work days. Conversely, jobs such as actors, historians and performers generally pay rates lower than average on Baja coverage.
• Alarms and GPS tracking lower rates – Driving a car with anti-theft technology or alarm system can help lower your premiums. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent auto theft.
• Lower rates with a multi-policy discount – Many companies apply discounts to policyholders who carry more than one policy. It’s known as a multi-policy discount. The amount of the discounts can be as much as ten percent or more Even with this discount, drivers will still want to comparison shop to help guarantee you have the best rates. You may still find better rates even if you insure with multiple companies
• Lower miles equals lower premium – Driving a lot of miles in a year the higher your rates will be. Almost all companies rate vehicles partially by how you use the vehicle. Cars and trucks that have low annual miles qualify for better rates compared to those used for work or business. It’s a good idea to make sure your insurance coverage properly reflects the correct driver usage, because it can save money. Improper usage on your Baja is just wasting money.
• A good credit rating can save money – Having a good credit score is likely to be a major factor in determining your rates. People that have excellent credit tend to be less risk to insure than drivers who have worse credit. Therefore, if your credit leaves room for improvement, you could potentially save money when insuring your 2003 Subaru Baja if you improve your credit rating.
• Know your vehicle’s NHTSA crash test rating – Vehicles with good safety scores tend to be cheaper to insure. These vehicles reduce occupant injuries and fewer injuries means your insurance company pays less and more competitive rates for policyholders.
• Gender impacts premiums – The statistics show females are less aggressive when driving. It does not mean women are better drivers. Both sexes are responsible for auto accidents at about the same rate, but men have costlier accidents. Men also tend to receive more major tickets such as DWI and reckless driving. Young males tend to get in the most accidents and therefore pay the highest rates.
• Rural areas have lower rates – Living in a rural area has definite advantages when trying to find low car insurance rates. Drivers in populated areas have to deal with more traffic problems and more severe claims. Fewer drivers and short commutes means fewer accidents and a lower car theft rate.

Tailor your insurance coverage to you

When buying coverage for your personal vehicles, there really is not a perfect coverage plan. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions can help discover if your situation might need professional guidance.

• Should I buy additional glass protection?
• Does coverage extend to my business vehicle?
• I have good health insurance, so how much medical payments coverage do I need?
• How do I file an SR-22 for a DUI in my state?
• Should I carry comprehensive and collision coverage?
• What if I total my 2003 Subaru Baja and owe more than it’s worth?
• Should I rate my 2003 Subaru Baja as pleasure use or commute?
• What are the financial responsibility laws in my state?
• How much underlying liability do I need for an umbrella policy?
• Am I missing any policy discounts?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Don’t believe everything you hear

Consumers can’t get away from all the ads for cheaper car insurance from companies such as 21st Century, Allstate and State Farm. All the companies tend to make the same promise that drivers will save a bundle if you change your coverage to them.

How does every car insurance company offer you a better deal? This is how they do it.

Different companies can use profiling for the type of driver that is profitable for them. For example, this type of risk profile should be married and over the age of 30, has never had a policy lapse, and has great credit. A customer getting a price quote that matches those criteria will probably get the lowest auto insurance rates and have a good chance to pay quite a bit less when switching companies.

Consumers who do not meet the requirements will have to pay higher rates and this results in business going elsewhere. If you pay attention, the ads say “customers who switch” not “everybody who quotes” save that much. That’s why insurance companies can make it sound like they have such great rates. This illustrates why drivers must get insurance quotes from several different companies. It’s just too difficult to predict which company will provide the lowest prices.

Information about specific coverages

Understanding the coverages of a insurance policy can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement. These are typical coverages available from insurance companies.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for bills for chiropractic care, rehabilitation expenses, surgery and nursing services. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage

This coverage pays for damage to your Baja caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as hitting a mailbox, crashing into a building and scraping a guard rail. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

UM/UIM Coverage

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2003 Subaru Baja.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Liability car insurance

This coverage will cover damage that occurs to people or other property in an accident. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims like court costs, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Comprehensive or Other Than Collision

This covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from getting keyed, hitting a bird, fire damage, hail damage and rock chips in glass. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Be a smart shopper

In this article, we covered some good ideas how to save on 2003 Subaru Baja insurance. The most important thing to understand is the more times you quote, the better your chances of lowering your prices. You may even discover the lowest premium rates come from a small mutual company. They often have lower prices on specific markets compared to the large companies like Allstate or State Farm.

When trying to cut insurance costs, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice collision coverage only to discover later they didn’t purchase enough coverage. Your goal is to buy a smart amount of coverage at the best price but still have enough coverage for asset protection.

Additional resources

• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)
• Distracted Driving Extends Beyond Texting (State Farm)

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption