2017 Subaru WRX Car Insurance Cost

Pretty sure you bought an expensive car insurance policy? It’s quite common and there are many consumers feeling the pinch from expensive car insurance. Multiple car insurance companies compete for your business, so it can be very hard to choose a insurer and get the best coverage at the best price available.

You need to get comparison quotes before your next renewal due to the fact that insurance prices trend upward over time. Even if you got the lowest rates for WRX coverage last year you can probably find a better rate quote now. Ignore everything you know about car insurance because you’re about to learn the fastest way to find better coverage at a better price.

If you have a policy now or are shopping for new coverage, you will benefit by learning to get lower rates while maintaining coverages. Finding affordable coverage is quite easy. Drivers just need to learn the proper way to buy car insurance online.

How to compare car insurance rate quotes

There are a variety of methods you can shop for car insurance and some are easier and takes less work. You could spend the better part of a day discussing policy coverages with insurance companies in your area, or you could use the web to get prices fast.

The majority of car insurance companies are enrolled in a marketplace that allows shoppers to submit one quote, and every company can give them a price based on the submitted data. This saves time by eliminating quote forms to each individual car insurance company.

To enter your information into the quoting system, click to open in new window.

The one disadvantage to doing it this way is you cannot specify which insurance companies to get pricing from. So if you prefer to choose specific providers to request quotes from, we put together a list of car insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just make sure you compare the same coverage information for each quote you get. If your comparisons have different limits and deductibles on each one it’s impossible to determine the best price for your Subaru WRX.

When should I discuss my situation with an agent?

When it comes to choosing the right insurance coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions can aid in determining whether or not you could use an agent’s help.

• Should I put collision coverage on all my vehicles?
• Is my dog or cat covered if injured in an accident?
• Do I have coverage if my license is suspended?
• Does my policy cover my teen driver if they drive my company car?
• How can I force my company to pay a claim?
• Is my cargo covered for damage or theft?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverages available on your auto insurance policy

Having a good grasp of your auto insurance policy helps when choosing which coverages you need for your vehicles. Auto insurance terms can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages offered by auto insurance companies.

Comprehensive insurance – This will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hitting a bird, hail damage, fire damage, theft and falling objects. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverage – This will cover damage or injury you incur to people or other property. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as funeral expenses, pain and suffering, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Subaru WRX.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits are set the same as your liablity limits.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for ambulance fees, dental work and funeral costs. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision coverage will pay to fix damage to your WRX caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as backing into a parked car, driving through your garage door and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.