Lower Your 2014 Subaru BRZ Car Insurance Quotes

Shopping for budget insurance coverage may be intimidating for vehicle owners new to quoting and comparison shopping over the internet. With dozens of online companies, how can anyone have the ability to compare them all to find the cheapest price possible?

It’s a good habit to compare prices before your next renewal because insurance coverage prices are usually higher with each renewal. Despite the fact that you may have had the best rate on BRZ coverage a year ago other companies may now be cheaper. Ignore everything you know about insurance coverage because you’re about to find out the only way to reduce your cost while improving coverage.

Pricing the best auto insurance coverage is not that difficult. In a nutshell, everyone who buys auto insurance will be able to save money. Although drivers must understand how companies price online insurance and use this information to your advantage.

Insurance Coverage Discounts

Some insurance providers don’t always list every possible discount very clearly, so the following list contains some of the more common as well as the least known discounts you could be receiving when you buy insurance coverage online. If you are not receiving all the discounts possible, you could be paying more than you need to.

• More Vehicles More Savings – Having primary and secondary vehicles on a single policy could earn a price break for each car.
• Early Payment Discounts – If you pay your entire premium ahead of time rather than spreading payments over time you can avoid monthly service charges.
• Student Discounts – Getting good grades can save 20 to 25%. Most companies allow this discount up to age 25.
• Claim Free – Good drivers with no accidents are rewarded with significantly better rates on insurance coverage quote as opposed to drivers who are more careless.
• One Accident Forgiven – Not a discount per se, but a handful of insurance companies permit an accident before hitting you with a surcharge if you are claim-free for a set time period.
• New Car Discount – Insuring a vehicle that is new is cheaper compared to insuring an older model.
• Life Insurance Discount – Select insurance carriers reward you with a break if you buy auto and life insurance together.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Most only reduce specific coverage prices like comp or med pay. If you do the math and it seems like having all the discounts means you get insurance for free, you’re out of luck. But any discount will cut your policy premiums.

To locate insurers that have a full spectrum of discounts, click here to view.

The quickest way to compare insurance rates from multiple companies is to take advantage of the fact most of the bigger providers participate in a system to provide you with free rate quotes. The one thing you need to do is provide a little information such as if you went to college, any included safety features, if you lease or own, and marital status. The rating information gets sent immediately to multiple insurance providers and they return cost estimate immediately.

Tailor your car insurance coverage to you

When buying proper insurance coverage for your vehicles, there is no cookie cutter policy. Every insured’s situation is different.

These are some specific questions can aid in determining whether you could use an agent’s help.

• Is other people’s property covered if stolen from my vehicle?
• Do all my vehicles need collision coverage?
• Does my 2014 Subaru BRZ need full coverage?
• When should I not file a claim?
• Do I have newly-aquired coverage?
• I don’t drive much so do I pay less?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Insurance coverage basics

Having a good grasp of your policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability

This coverage protects you from injuries or damage you cause to a person or their property. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as pain and suffering, repair bills for other people’s vehicles and emergency aid. 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.

Comprehensive (Other than Collision)

This pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as fire damage, damage from getting keyed, a tree branch falling on your vehicle, hitting a deer and rock chips in glass. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your 2014 Subaru BRZ.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Normally these limits do not exceed the liability coverage limits.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as dental work, pain medications and surgery. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision coverage will pay to fix damage to your BRZ caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like colliding with a tree, rolling your car, hitting a mailbox and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Final considerations

Discount 2014 Subaru BRZ insurance can be found on the web in addition to local insurance agencies, and you need to comparison shop both to have the best chance of lowering rates. Some companies may not provide rates over the internet and many times these small insurance companies sell through independent insurance agencies.

When shopping online for insurance, it’s very important that you do not skimp on coverage in order to save money. Too many times, an insured cut physical damage coverage only to regret that they should have had better coverage. The goal is to find the BEST coverage at the best cost, not the least amount of coverage.

Insureds switch companies for many reasons like policy cancellation, high rates after DUI convictions, extreme rates for teen drivers or delays in responding to claim requests. It doesn’t matter what your reason, switching insurance companies is easier than you think.

Other information

• Auto Insurance FAQ (Farmers Insurance)
• Anti-Lock Brake FAQ (iihs.org)
• Rental Reimbursement Coverage (Allstate)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)