2004 Subaru Baja Insurance Quotes – 6 Tricks for Cheapest Rates

Trying to find better insurance rates for your Subaru Baja? Finding the most affordable insurance on the web can appear to be difficult for people who are beginners to quoting and comparing rates and buying insurance online. With so many insurance agents and companies competing online, how can you efficiently compare each option to find the lowest rates?

Compare quotes for insurance

To find cheap quotes, there are a couple of ways to compare rate quotes from insurance companies in your area. The best method to find affordable Subaru Baja insurance rates consists of obtaining rate quotes online. It is quite easy and can be accomplished by using one of the methods below.

• The single most time-saving way to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This method keeps you from doing repetitive form submissions to each individual insurance company. Completing one form gets you coverage quotes from all major companies. Recommended for those who want to invest the least amount of time.
• Another way to shop for insurance online is to manually visit the website for each individual company and repeat the quote process again and again. For example, we’ll pretend you are doing a rate comparison from State Farm, Farmers and American Family. You would have to visit each site and type in your information over and over, and that’s why the first method is more popular.

  For a list of links to insurance companies in your area, click here.

Compare rates however you want, just make absolute certain that you use nearly identical quote information on every quote. If you compare unequal deductibles or liability limits it will be nearly impossible to decipher which rate is best. Just a small difference in coverage limits can mean a large discrepancy in price. And when comparison shopping, getting more free quotes provides better odds of finding a lower rate than you’re paying now.

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Don’t believe everything you hear

Well-known insurance coverage companies like State Farm, Geico and Progressive regularly use ads on TV and radio. All the companies have a common claim about saving some big amount just by switching your insurance coverage coverage to their company. Is it even possible that every company can say the same thing? Here is the trick they use.

Most companies are able to cherry pick for the type of customer that will generate a profit. A good example of this type of driver could possibly be over the age of 45, has a clear driving record, and has a short commute. Any driver who fits those characteristics will get low premium rates and will also save quite a bit of money when switching.

Drivers who cannot meet this ideal profile will probably be forced to pay a higher premium and this can result in the prospect going elsewhere. If you pay attention, the ads say “people who switch” but not “everyone who gets a quote” save the amount stated. That’s the way companies can advertise the savings. This illustrates why drivers must compare quotes as often as possible. It’s just not possible to know which insurance companies will have the best rates at this point in time.

Find discounts on auto insurance

Insuring your vehicles can cost a lot, but there could be available discounts to reduce the price significantly. Many discounts should be triggered when you get a quote, but occassionally some discounts must be specially asked for before you will receive the discount.

• Early Signing – Some insurance companies provide a discount for buying a policy before your current coverage expires. This can save 10% or more.
• Buy New and Save – Adding a new car to your policy can save up to 30% due to better safety requirements for new model year vehicles.
• Multi-car Discount – Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
• Own a Home and Save – Being a homeowner may trigger a policy discount on auto insurance due to the fact that maintaining a home shows financial diligence.
• Pay Early and Save – By making one initial payment rather than spreading payments over time you could save up to 5%.
• Multi-policy Discount – If you have multiple policies with the same company you could save as much as 10 to 15 percent.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to all coverage premiums. Most only apply to the cost of specific coverages such as comp or med pay. Just because you may think adding up those discounts means a free policy, it doesn’t quite work that way.

Auto insurance companies who may offer these money-saving discounts include:

• State Farm
• Progressive
• Travelers
• American Family
• Liberty Mutual

When quoting, ask all the companies which discounts they offer. Savings may not apply to policies in your state. To find providers that can offer you the previously mentioned discounts, click this link.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might help in determining whether or not you could use an agent’s help.

• Is borrowed equipment or tools covered if stolen or damaged?
• Will filing a claim cost me more?
• Why does it cost so much to insure a teen driver?
• Where can I find DUI or SR-22 insurance?
• What is the ISO rating for a 2004 Subaru Baja?
• Should I buy full coverage?
• Should I get collision insurance on every vehicle?
• I have health insurance so do I need medical payments coverage?
• Can I drive in Mexico and have coverage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form.

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Insurance specifics

Learning about specific coverages of insurance aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills for prosthetic devices, rehabilitation expenses, hospital visits and X-ray expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive (Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as fire damage, a broken windshield and hitting a deer. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your Subaru Baja.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Auto collision coverage

This will pay to fix damage to your Baja from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, crashing into a building, hitting a parking meter, sideswiping another vehicle and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Liability insurance

Liability coverage will cover injuries or damage you cause to a person or their property by causing an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as legal defense fees, medical services, funeral expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Save your cold hard cash

People who switch companies do it for a variety of reasons including lack of trust in their agent, poor customer service, delays in responding to claim requests and even policy non-renewal. It doesn’t matter what your reason, switching insurance companies is not as hard as you think.

More affordable insurance can be found both online in addition to many insurance agents, so you need to quote insurance with both to have the best chance of lowering rates. Some insurance companies may not have the ability to get a quote online and these regional insurance providers work with local independent agencies.

When shopping online for insurance, it’s not a good idea to reduce needed coverages to save money. There have been many situations where consumers will sacrifice full coverage only to regret that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at a price you can afford.

Additional detailed information is available by following these links:

• Get the Right Protection (InsureUonline.org)
• How to Avoid Common Accidents (State Farm)
• Anti-Lock Brake FAQ (iihs.org)
• Airbag FAQ (iihs.org)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• State Car Insurance Guides (Geico)

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