2013 Subaru XV Crosstrek Insurance Rates

When looking for lower-priced insurance, do you get overwhelmed by the dozens of insurance companies that you can choose from? There are so many options that it can easily turn into a burden to lower your prices.

Compare insurance price quotes online

When looking for cheap insurance quotes, there are a couple ways of comparing rates from many insurance companies in your state. The quickest method to compare Subaru XV Crosstrek insurance prices is to get quotes online. This can be done in several different ways.

1. If you’re in a hurry, the quickest way to get the best comparison quotes is a comparison rater form click to view form in new window. This quick form keeps you from doing separate quote forms for each company. Just one form will get you price quotes from insurance companies with the best prices. Recommended for those who want to invest the least amount of time.
2. A different way to get comparison quotes is to manually visit the website for each individual company and repeat the quote process. For examples sake, let’s assume you want to compare rates from Progressive, 21st Century and American Family. You would need to visit each site and punch in your information repeatedly, which is why the first method is quicker.

   To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just make absolute certain that you use identical coverage data for each price quote. If you enter unequal deductibles or liability limits it will be next to impossible to determine which company has the best rates. Even a minor difference in coverages may result in a large different in cost. And when quoting insurance, remember that getting more free quotes provides better odds of finding the best price.

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Verify you’re getting every discount

Insuring your fleet can be pricey, but there could be available discounts to reduce the price significantly. Many of these discounts will be applied automatically when you get a quote, but a few need to be specially asked for prior to receiving the credit.

• Paperwork-free – Certain auto insurance companies provide a small discount for buying a policy and signing up on their website.
• Multiple Vehicles – Drivers who insure multiple cars on the same auto insurance policy may reduce the rate for each vehicle.
• Federal Employees – Active or former government employment may qualify for a discount when you quote insurance for XV Crosstrek insurance with a few auto insurance companies.
• Safety Restraint Discount – Drivers who require all vehicle occupants to buckle up can save up to 15% on medical payment and PIP coverage.
• Bundle and Save – If you can combine your auto and homeowners policy with one insurance company you could save at least 10% off all policies.
• Military Discounts – Having a deployed family member could qualify you for better auto insurance rates.

Don’t be surprised that many deductions do not apply to all coverage premiums. Some only reduce individual premiums such as physical damage coverage or medical payments. So even though you would think all the discounts add up to a free policy, it’s just not the way it works.

A list of auto insurance companies and some of the discounts are outlined below.

• Esurance may have discounts that include anti-theft, multi-car, defensive driver, homeowner, good student, anti-lock brakes, and DriveSense.
• The Hartford offers discounts including air bag, vehicle fuel type, anti-theft, bundle, defensive driver, good student, and driver training.
• AAA policyholders can earn discounts including AAA membership discount, multi-policy, good student, multi-car, and education and occupation.
• Geico includes discounts for emergency military deployment, seat belt use, five-year accident-free, daytime running lights, and anti-lock brakes.
• State Farm discounts include student away at school, accident-free, passive restraint, Steer Clear safe driver discount, driver’s education, defensive driving training, and anti-theft.

When comparing rates, check with each company to give you their best rates. Some of the earlier mentioned discounts might not be available to policyholders in your area. To find companies with the best discounts, follow this link.

Smart consumers save money

A large part of saving on insurance coverage is knowing some of the things that aid in calculating the price you pay for insurance coverage. When you understand what controls the rates you pay, this empowers consumers to make smart changes that could help you find big savings.

• Location can affect price – Residing in smaller towns and rural areas of the country can be a good thing if you are looking for the lowest rates. Fewer people translates into fewer accident claims and lower theft and vandalism rates. Drivers in populated areas have traffic congestion and a longer drive to work. More time behind the wheel can result in more accidents.
• Choose high IIHS safety ratings and save – Safe vehicles get lower rates. Safe vehicles help reduce the chance of injuries in an accident and fewer injuries translates directly to fewer claims and more competitive rates for policyholders. If your Subaru XV Crosstrek scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
• Your liability limits – The liability coverage on your policy kicks in if ever a jury decides you are liable for physical damage or personal injury to other. Liability insurance provides legal defense coverage up to the limits shown on your policy. It is affordable coverage compared to comp and collision, so insureds should have plenty of protection for their assets.
• Bad drivers pay high premiums – Just one speeding ticket or other violation can increase the cost of insurance to the point where it’s not affordable. Attentive drivers pay less for auto insurance than bad drivers. Drivers who have received severe tickets such as DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with their state in order to continue driving.
• How do annual miles impact rates? – The more you drive your Subaru in a year the higher your rate. Most insurance companies charge rates based on their usage. Cars that sit idle most of the time receive lower rates than cars that get driven a lot. Having the wrong rating on your XV Crosstrek may be costing you. Verify your insurance coverage coverage is rated on the right rating data.
• Save money with good credit – Credit score factor in determining premium rates. People with very good credit scores tend to be less risk to insure as compared to drivers with poor credit. If your credit rating is not that good, you could pay less to insure your 2013 Subaru XV Crosstrek if you improve your credit rating.
• You might want pay the minor insurance coverage claims yourself – If you are the type of insured that files lots of claims don’t be surprised to see higher rates. Insurance companies provide cheaper rates to drivers that do not abuse their auto insurance. Auto insurance is intended for the large, substantial claims.

When should I discuss my situation with an agent?

When it comes to choosing the right insurance coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining if your situation may require specific advice.

• Can I get a multi-policy discount for packaging my home and auto coverage?
• Is my nanny covered when driving my vehicle?
• How many claims can I have before being cancelled?
• What is UM/UIM insurance?
• Does coverage extend to a rental car in a foreign country?
• What are the financial responsibility laws in my state?
• Where can I find high-risk insurance?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Do I pay less if my vehicle is kept in my garage?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

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Insurance policy specifics

Having a good grasp of your policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for bills for prosthetic devices, dental work, EMT expenses, surgery and doctor visits. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries 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. This is the reason having UM/UIM coverage is a good idea.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sideswiping another vehicle, rolling your car and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Liability insurance

Liability insurance provides protection from damage or injury you incur to other people or property that is your fault. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers things like loss of income, funeral expenses, structural damage and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive coverages

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, hitting a bird, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Be a Smart Shopper

Insureds change insurance companies for any number of reasons including policy cancellation, lack of trust in their agent, delays in paying claims and even denial of a claim. Regardless of your reason, switching companies can be less work than you think.

We’ve covered a lot of information how to reduce 2013 Subaru XV Crosstrek insurance car insurance rates online. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the lowest car insurance rates are with a smaller regional carrier.

Affordable 2013 Subaru XV Crosstrek insurance can be sourced online and from local agencies, so you should be comparing quotes from both to have the best chance of lowering rates. Some auto insurance companies do not offer online quoting and most of the time these small insurance companies only sell coverage through independent agents.

Helpful articles

• What Does No-Fault Insurance Cover? (Allstate)
• Where can I buy Insurance? (Insurance Information Insitute)
• Shopping for a Safe Car (Insurance Information Insitute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)

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