2017 Subaru Crosstrek Insurance Quotes

Finding cheaper insurance for a Subaru Crosstrek could be a painful process, but you can use a few tricks to save time. There is a better way to shop for car insurance and we’ll show you the quickest way to quote coverages for a new or used Subaru and get the best price possible from local insurance agents and online providers.

Smart consumers take time to check car insurance prices once or twice a year because rates are usually higher with each renewal. Despite the fact that you may have had the lowest premium rates on Crosstrek insurance a couple years back you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re about to learn the best methods to find better coverage at a better price.

How to shop insurance coverage online

Shopping for lower insurance coverage rates can be exhausting if you don’t utilize the most efficient way to do it. You can waste a few hours (or days) discussing policy coverages with agents in your area, or you could use the internet to get rates in a matter of minutes.

Most of the best insurance companies belong to an insurance system that enables customers to send in one quote, and each participating company then returns a price quote determined by their information. This saves time by eliminating quote requests for each company.

To compare pricing click here to open in new window.

The one downside to comparing rates this way is buyers cannot specifically choose which insurance companies to receive prices from. So if you want to select specific insurance companies to receive pricing from, we have assembled a list of insurance coverage companies in your area. Click here to view list.

It’s up to you which method you use, but compare identical coverages and limits for every quote you compare. If you use mixed coverages it will be very difficult to get a fair rate comparison.

Car insurance policy discounts

Car insurance is not an enjoyable expense, but you might be missing out on some discounts that many consumers don’t even know exist. A few discounts will automatically apply at the time of quoting, but some may not be applied and must be inquired about before you get the savings. If you do not check that you are getting every discount you qualify for, you’re paying more than you need to.

• Low Mileage Discounts – Low annual miles can qualify you for slightly better prices than normal.
• Good Student Discount – Performing well in school can earn a discount of 20% or more. Most companies allow this discount up until you turn 25.
• Discounts for Cautious Drivers – Insureds who avoid accidents may save up to 50% more on Crosstrek insurance as compared to drivers with claims.
• Payment Method – By paying your policy upfront instead of making monthly payments you can avoid monthly service charges.
• Active Service Discounts – Being deployed in the military could qualify you for better car insurance rates.
• Clubs and Organizations – Participating in certain professional organizations may earn a discount on your bill.
• ABS and Traction Control Discounts – Vehicles equipped with ABS or steering control have fewer accidents and earn discounts up to 10%.
• Policy Bundle Discount – When you have multiple policies with one company you will save at least 10% off all policies.
• Paperless Signup – A handful of larger companies may give you up to $50 for buying your policy over the internet.
• More Vehicles More Savings – Drivers who insure multiple vehicles with the same car insurance company qualifies for this discount.

One thing to note about discounts is that most of the big mark downs will not be given the the whole policy. A few only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

Popular car insurance companies and some of the premium reductions they offer are included below.

• Farm Bureau offers discounts including multi-vehicle, driver training, renewal discount, 55 and retired, and youthful driver.
• Liberty Mutual may offer discounts for new graduate, exclusive group savings, teen driver discount, newly retired, and new move discount.
• State Farm discounts include Steer Clear safe driver discount, defensive driving training, good driver, multiple policy, passive restraint, and student away at school.
• Auto-Owners Insurance offers premium reductions for anti-theft, multiple vehicles, teen driver, safe vehicle, anti-lock brakes, paperless, and paid in full.
• Geico has savings for defensive driver, emergency military deployment, anti-theft, seat belt use, federal employee, and five-year accident-free.
• SAFECO may have discounts that include anti-lock brakes, drive less, accident prevention training, teen safe driver, anti-theft, and multi-car.

If you need low cost auto insurance quotes, ask all companies you are considering the best way to save money. Depending on the company, some discounts might not apply in your area. If you would like to choose from a list of insurers who offer free car insurance quotes, follow this link.

How do I know if I need professional advice?

When buying adequate coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is a little different.

For example, these questions may help highlight whether your personal situation might need professional guidance.

• Am I covered if I break a side mirror?
• What if I total my 2017 Subaru Crosstrek and owe more than it’s worth?
• Should I buy only the required minimum liability coverage?
• Can my teen drive my company car?
• Will filing a claim cost me more?
• Do I need to file an SR-22 for a DUI in my state?
• What is UM/UIM insurance?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• When does my teenage driver need to be added to my policy?
• Can my teen driver be rated on a liability-only vehicle?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and may give you better protection.

Insurance coverage options for a Subaru Crosstrek

Having a good grasp of a insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage – Med pay and PIP coverage pay for expenses for chiropractic care, dental work and doctor visits. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sideswiping another vehicle, hitting a mailbox, backing into a parked car, sustaining damage from a pot hole and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive auto coverage – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as theft, a tree branch falling on your vehicle, rock chips in glass and fire damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability insurance – Liability coverage provides protection from damage that occurs to people or other property. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has 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 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like court costs, emergency aid, pain and suffering, loss of income and bail bonds. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.