2016 Subaru Crosstrek Car Insurance Rates – 6 Tips to Save

Trying to find lower insurance rates for your Subaru Crosstrek? Did a good deal turn out to be an overpriced insurance policy? Believe me when I say many drivers have buyer’s remorse. Because you have many choices, it’s difficult to find the best insurer.

It’s a great practice to do price comparisons occasionally because insurance prices tend to go up over time. Just because you found the lowest rate on Crosstrek insurance a couple years back the chances are good that you can find a lower premium rate today. Forget all the misinformation about insurance because you’re about to learn how to use the internet to find great coverage at a great price.

Insurance coverage discounts help cut rates

Insurance coverage can be pricey, but you may be missing some discounts to help offset the cost. Many of these discounts will be applied automatically when you purchase, but lesser-known reductions have to be asked for before you will receive the discount.

• Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
• Clubs and Organizations – Affiliation with qualifying employment or professional organizations can get you a small discount on your next renewal.
• Pay Early and Save – By paying your policy upfront instead of making monthly payments you may have a lower total premium amount.
• Theft Deterent – Vehicles that have factory anti-theft systems can help prevent theft so companies will give you a small discount.
• Government Employees – Simply working for the federal government may qualify for a discount when you quote car insurance on Crosstrek insurance depending on your company.
• First Accident Forgiveness – This one is not really a discount per se, but companies like Allstate, State Farm and Geico allow you one accident before your rates go up as long as you don’t have any claims for a specific time period.

While discounts sound great, it’s important to understand that some of the credits will not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like you could get a free insurance coverage policy, insurance companies wouldn’t stay in business.

If you would like to see a list of providers with the best discounts, click here to view.

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Which is the best auto insurance?

When it comes to buying adequate coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions may help you determine if your situation will benefit from professional help.

• How high should deductibles be on a 2016 Subaru Crosstrek?
• Do all my vehicles need collision coverage?
• How can I get high-risk coverage after a DUI?
• What if I don’t agree with a claim settlement offer?
• Do I have coverage for damage caused while driving under the influence?
• Is motorclub coverage worth it?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

But they said I’d save $432 a year!

Consumers can’t get away from all the ads for cheaper car insurance by companies like Progressive, Allstate and Geico. They all advertise the message about how much you will save just by moving to their company.

How does every car insurance company claim to save you money? It’s all in the words they use.

Insurance companies have specific characteristics for the right customer they prefer to insure. A good example of this type of insured may need to be between the ages of 30 and 50, insures multiple vehicles, and has a short commute. A customer getting a price quote that meets those criteria will get a cheap rate quote and will probably save when they switch companies.

Potential customers who are not a match for the “perfect” profile will get a higher premium and the customer buying from someone else. Company advertisements say “drivers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s why companies can truthfully make those statements.

Because of the profiling, you should get a wide range of price quotes. Because without a comparison, you cannot know which insurance companies will have the best premium rates at this point in time.

Car insurance coverage breakdown

Understanding the coverages of car insurance can help you determine the best coverages and proper limits and deductibles. Car insurance terms can be ambiguous and nobody wants to actually read their policy. Listed below are the normal coverages available from car insurance companies.

Coverage for collisions

Collision coverage pays for damage to your Crosstrek caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as rolling your car, crashing into a building, scraping a guard rail and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

UM/UIM Coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2016 Subaru Crosstrek.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical costs insurance

Coverage for medical payments and/or PIP pay for expenses for things like X-ray expenses, chiropractic care, surgery, funeral costs and prosthetic devices. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, vandalism, theft and damage from getting keyed. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverage

This provides protection from damage that occurs to other’s property or people by causing an accident. 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 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things like emergency aid, loss of income, repair bills for other people’s vehicles, medical services and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

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Keep this in mind

Cost effective 2016 Subaru Crosstrek insurance can be found on the web and from local insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies do not provide rates over the internet and these smaller companies only sell coverage through independent agencies.

In this article, we presented some good ideas how to lower your 2016 Subaru Crosstrek insurance prices. The key concept to understand is the more times you quote, the better your chances of lowering your rates. Drivers may discover the best prices are with the smaller companies. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as Allstate and Progressive.

When searching for cheaper car insurance quotes, make sure you don’t sacrifice coverage to reduce premiums. In many instances, someone dropped liability limits or collision coverage and found out when filing a claim that it was a big mistake. The proper strategy is to find the BEST coverage at a price you can afford but still have enough coverage for asset protection.

More detailed auto insurance information is located in these articles:

• Shopping for a Safe Car (Insurance Information Insitute)
• State Laws for Cellphones and Texting (iihs.org)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Teen Driving Statistics (Geico)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Winter Driving (Insurance Information Insitute)

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