2014 Subaru XV Crosstrek Car Insurance Quotes

Feel like you have an overpriced auto insurance policy? Trust us, there are a lot of people just like you who feel imprisoned by their auto insurance policy.

Due to the increasing number of online and local companies to choose from, it is very difficult to locate the right insurance company.

Finding affordable coverage is not that difficult. If you have car insurance now, you will most likely be able to lower your premiums substantially using this information. But vehicle owners benefit from understanding the methods companies use to market insurance on the web and use this information to your advantage.

Cheapest auto insurance quotes

To get the cheapest car insurance quotes, there a variety of ways of comparing rate quotes from companies that offer auto insurance in your state. The easiest way by far to compare rates consists of obtaining rate quotes online. This is very easy and can be done in a couple of different ways.

1. The single most time-saving way consumers can analyze rates is an all-inclusive rate comparison (click to open form in new window). This style of form eliminates the need for separate forms for every auto insurance company. A single form will get you price quotes from multiple low-cost companies.
2. Another way to compare prices consists of going to the website of each company to request a price quote. For sake of this example, we’ll assume you want comparison quotes from Auto-Owners, Liberty Mutual and Allstate. You would be required to navigate to each company’s site to input your insurance information, and that explains why we recommend the first method.

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

The approach you take is up to you, just make absolute certain that you use nearly identical coverage limits and deductibles with every price quote. If the quotes have different liability limits it will be very difficult to find the best deal for your Subaru XV Crosstrek. Just slight variations in limits may result in a large different in cost. And when comparison shopping, obtaining a wide range of quotes helps you find a lower rate than you’re paying now. Some regional insurers cannot provide online rate quotes, so you need to compare price estimates from those companies as well.

Do I need special coverages?

When buying coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is a little different so this has to be addressed. For example, these questions may help highlight whether your personal situation might need an agent’s assistance.

• Why do I need rental car insurance?
• Do I need replacement cost coverage?
• Does my insurance cover my expensive audio equipment?
• What is an SR-22 filing?
• What can I do if my company won’t pay a claim?
• Is my ex-spouse still covered by my policy?
• How much liability coverage do I need in my state?
• Does my insurance cover a custom paint job?
• Is a blown tire covered by insurance?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Insurance coverage options for a 2014 Subaru XV Crosstrek

Knowing the specifics of your policy helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on the average insurance policy.

Collision – Collision coverage pays for damage to your XV Crosstrek from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with another moving vehicle, colliding with a tree, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Liability coverages – Liability insurance protects you from damage that occurs to a person or their property in an accident. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for claims like bail bonds, medical services, medical expenses, emergency aid and loss of income. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Subaru XV Crosstrek.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage – Med pay and PIP coverage pay for immediate expenses for things like prosthetic devices, EMT expenses, nursing services, doctor visits and hospital visits. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive auto coverage – This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from getting keyed, rock chips in glass, falling objects and damage from flooding. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.