Compare 2018 Subaru Crosstrek Insurance Rates

Car owners who are new to the process of comparing insurance rates online are likely to find buying cheaper insurance is harder than it needs to be.

If you currently have car insurance, you will be able to save some money using this strategy. Shopping for the best insurance is easy if you know what you’re doing. But vehicle owners do need to learn the methods companies use to sell online and use this information to your advantage.

Discounts to earn lower-cost auto insurance rates

Auto insurance is neither fun to buy or cheap, but there’s a good chance there are discounts to cut the cost considerably. Certain reductions will be credited at quote time, but some may not be applied and must be specifically requested before you will receive the discount.

• Passive Restraints – Factory air bags may get savings of 20 to 30 percent.
• Homeowners Savings – Owning a house can save you money because maintaining a house requires a higher level of personal finance.
• Student Discounts – Performing well in school could provide a savings of up to 20% or more. The discount lasts until age 25.
• Sign Online – A handful of insurance companies provide a small discount for completing your application on their website.
• Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
• Defensive Driving Course – Passing a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
• Professional Organizations – Affiliation with qualifying clubs or civic groups is a simple method to lower premiums on your bill.

As is typical with insurance, most discounts do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like you can get free auto insurance, auto insurance companies aren’t that generous.

If you would like to choose from a list of insurance companies that can offer you the previously mentioned discounts, click here.

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Quote insurance coverage online

To get affordable insurance quotes, there a variety of ways of comparing price quotes from companies that offer insurance coverage in your state. The recommended way to find competitive 2018 Subaru Crosstrek insurance rates is to use the internet to compare rates. This can be done in several different ways.

1. One of the simplest ways to get quotes for comparison is to use a rate comparison form (click to open form in new window). This easy form saves time by eliminating repetitive form entry for every insurance coverage company. One form submission gets prices estimates direct from many companies. It’s the fastest way to compare.
2. A slightly less efficient method to shop for insurance coverage online is going to the website for each individual company and repeat the quote process again and again. For sake of this example, we’ll assume you want comparison quotes from State Farm, Progressive and GMAC. In order to compare rates, you need to go to each individual site to enter your coverage information, which is why most consumers use the first method.

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

3. The final way to get price estimates to insurance agents’ offices. The ability to get quotes online eliminates this option unless you want the professional assistance only provided by licensed agents. You can, however, price shop online but buy the policy through an agent.

It doesn’t matter which method you choose, just make absolute certain that you use nearly identical coverage information with every price quote. If you use differing limits it will be impossible to get a fair rate comparison. Slightly different limits can result in a big premium difference. And when price shopping your coverage, having more price comparisons gives you a better chance of getting more affordable rates. Not every company provides rate quotes online, so it’s recommended that you also compare prices from them, too.

The Subaru Crosstrek insurance rate equation

When buying auto insurance it’s important to understand the factors that help calculate your policy premiums. When consumers understand what positively or negatively impacts your premiums, this enables you to make decisions that could result in lower rates. Lots of things are used when you quote your car insurance policy. Some are pretty understandable like a motor vehicle report, but other factors are more transparent like where you live or your vehicle rating.

• More than one policy can earn a discount – Most auto insurance companies give lower prices to clients who have multiple policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to comparison shop to make sure you are getting the best deal. It’s possible to still find lower rates by buying from different companies
• Your location is important – Residing in areas with lower population has it’s advantages when trying to find low car insurance rates. Drivers in populated areas have to deal with more auto accidents and a longer drive to work. Fewer drivers and short commutes means fewer accidents in addition to fewer liability claims.
• Bad drivers pay high premiums – Good drivers pay lower auto insurance prices compared to drivers with tickets. Having just one speeding ticket or other violation can increase the cost of insurance to the point where it’s not affordable. People who have severe violations such as reckless driving or DUI may find that they have to to file a proof of financial responsibility form (SR-22) with their state in order to continue driving.
• No claims equals cheaper premiums – If you are a frequent claim filer, you can pretty much guarantee much higher rates or policy non-renewal. Insurance companies provide cheaper rates to drivers who do not file claims often. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.
• Policy add-ons add up – There are many extra coverages you can purchase if you aren’t diligent. Insurance for things like vanishing deductibles, death and dismemberment, and additional equipment coverage are examples of these. These may sound like a good investment when you first buy your policy, but if they’re wasting money think about removing them and cutting costs.

Tailor your auto insurance coverage to you

When it comes to buying adequate coverage for your vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover if you will benefit from professional help.

• Can my babysitter drive my car?
• Am I getting all the discounts available?
• Should I buy additional glass protection?
• How high should deductibles be on a 2018 Subaru Crosstrek?
• What is covered by UM/UIM coverage?
• When does my teenage driver need to be added to my policy?
• What is high-risk coverage and where do I buy it?

If you’re not sure about those questions then you might want to talk to an agent. To find an agent in your area, take a second and complete this form.

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Big brands don’t always mean big savings

Companies like State Farm and Allstate endlessly run television, radio, and online ads. All the ads have a common claim that you can save just by moving your car insurance coverage to their company. How do they all charge you a lower premium? This is how they do it.

Insurance providers offer their best rates for the type of driver that will be a good risk. For example, this type of insured may be between 30 and 50, has few claims, and drives newer vehicles. Anybody that matches those criteria is entitled to the best price and most likely will save some money.

Potential insureds who are not a match for the “perfect” profile will probably have to pay higher rates and this can result in business not being written. If you pay attention, the ads say “customers who switch” not “everyone that quotes” save that kind of money. That’s why companies can make it sound like they have such great rates. Because of these techniques, you absolutely need to compare quotes as often as possible. It is impossible to predict which car insurance company will fit you best based on your risk profile.

Coverages available on your insurance policy

Having a good grasp of insurance helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Uninsured and underinsured coverage

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Subaru Crosstrek.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Comprehensive coverages

This coverage pays to fix your vehicle from 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 coverage protects against claims like damage from flooding, damage from a tornado or hurricane and damage from getting keyed. The maximum amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability insurance

Liability coverage provides protection from damage or injury you incur to a person or their property that is your fault. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like repair costs for stationary objects, pain and suffering, court costs and bail bonds. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses for things like nursing services, chiropractic care, rehabilitation expenses, doctor visits and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Coverage for collisions

Collision coverage covers damage to your Crosstrek resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like scraping a guard rail, colliding with a tree and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Spend less. Save more.

Throughout this article, we presented a lot of information how to lower your 2018 Subaru Crosstrek insurance auto insurance rates. The most important thing to understand is the more times you quote, the higher your chance of finding cheap insurance. You may even discover the lowest auto insurance rates are with a lesser-known regional company.

When shopping online for car insurance, make sure you don’t buy poor coverage just to save money. There are too many instances where drivers have reduced full coverage only to regret that it was a big mistake. Your goal should be to purchase plenty of coverage at an affordable rate, but don’t skip important coverages to save money.

Lower-priced 2018 Subaru Crosstrek insurance can be found online as well as from independent agents, and you should compare rates from both so you have a total pricing picture. Some car insurance companies do not offer online quoting and these small insurance companies work with independent insurance agents.

More tips and info about car insurance can be read by following these links:

• Parking Tips to Reduce Door Dings (State Farm)
• What is Covered by GAP Insurance? (Allstate)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Event Data Recorders FAQ (iihs.org)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• What is a Telematics Device? (Allstate)

Enter your zip code below to view companies that have cheap auto insurance rates.

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