Cheapest 2013 Subaru BRZ Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2023

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Sick and tired of being strong-armed to pay your car insurance bill each month? You are no different than many other consumers.

Lots of auto insurance companies contend for your business, so it can be very hard to choose a company to discover the definitive lowest rate possible.

If you currently have a car insurance policy, you should be able to reduce your rates substantially using these techniques. Finding the best rates is not that difficult. Nevertheless, car owners benefit from understanding how companies market insurance on the web because it can help you find the best coverage.

Cut your premium with these five discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available to reduce the price significantly. Certain discounts will be triggered automatically when you purchase, but less common discounts must be specially asked for before you get the savings.

  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Drive Less and Save – Keeping the miles down on your Subaru could be rewarded with discounted rates on garaged vehicles.
  • Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less on BRZ coverage than less cautious drivers.
  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off the personal injury premium cost.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance from them.

It’s important to understand that most discounts do not apply to the overall cost of the policy. Most only apply to individual premiums such as liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, companies don’t profit that way. But any discount will bring down the cost of coverage.

To see a list of providers offering insurance discounts, follow this link.

What is the best insurance coverage?

When choosing proper insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether or not you could use an agent’s help.

  • What is UM/UIM insurance?
  • Does liability extend to a camper or trailer?
  • Can I get a multi-policy discount?
  • Am I covered when driving a rental car?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is other people’s property covered if stolen from my vehicle?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Save $448 a year. For real?

Companies like Progressive, GEICO, Allstate and State Farm continually stream ads in print and on television. All the ads have a common claim that you’ll save big after switching to them. But how can every company make the same claim? It’s all in the numbers.

Insurance companies have a preferred profile for the type of customer that earns them a profit. For example, a profitable customer might be profiled as between the ages of 40 and 55, has no prior claims, and has a high credit rating. Any driver that hits that “sweet spot” will get the preferred rates and therefore will cut their rates substantially.

Drivers who do not match this ideal profile must pay a higher premium and ends up with the driver buying from a lower-cost company. Company advertisements say “people who switch” not “people who quote” save money. That’s the way insurance companies can confidently make those claims.

This illustrates why you need to get as many comparisons as possible. It’s not possible to predict which company will fit your personal profile best.

Insurance coverage specifics

Having a good grasp of a insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. These are typical coverage types available from insurance companies.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like prosthetic devices, surgery, nursing services, doctor visits and chiropractic care. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like crashing into a ditch, hitting a parking meter and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from flooding, theft, falling objects, vandalism and hitting a deer. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2013 Subaru BRZ.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these coverages do not exceed the liability coverage limits.

Liability car insurance – Liability insurance can cover damage that occurs to other’s property or people. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Occasionally you may see a combined limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like repair costs for stationary objects, attorney fees, funeral expenses and structural damage. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Shop smart and save

Cheap 2013 Subaru BRZ insurance can be bought from both online companies and with local insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.

Throughout this article, we presented some good ideas how you can get a better price on insurance. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from a small mutual company. They may only write in your state and offer lower rates than the large multi-state companies such as Allstate or State Farm.

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Frequently Asked Questions

How can I find companies that offer cheap auto insurance rates for my ZIP code?

To find companies that offer cheap auto insurance rates for your ZIP code, you can use online comparison tools or contact local insurance agents. Here’s how you can approach it:

  • Online comparison tools: Many websites allow you to enter your ZIP code and obtain quotes from multiple insurance providers. These tools provide an easy way to compare rates and coverage options.
  • Local insurance agents: Contacting local insurance agents in your area can also help you find companies that offer competitive rates. Agents can provide personalized assistance, answer your questions, and help you find the best coverage options for your needs.

Can I switch insurance providers to save money?

Yes, switching insurance providers can potentially save you money on your 2013 Subaru BRZ insurance. Insurance companies offer different rates and discounts, so it’s a good idea to compare quotes from multiple providers to find the most affordable option.

When considering switching providers, keep the following in mind:

  • Check for any penalties or fees associated with canceling your current policy before its expiration date.
  • Make sure the new policy provides the same or better coverage than your current policy.
  • Notify your current insurance provider of your intention to switch and ensure there is no coverage gap during the transition.

How can I save on insurance for an older vehicle like a 2013 Subaru BRZ?

Saving on insurance for an older vehicle like a 2013 Subaru BRZ can be achieved through the following methods:

  • Consider dropping unnecessary coverage: If your vehicle’s value has significantly depreciated, it may be wise to drop comprehensive and collision coverage and focus on liability coverage only. Evaluate the cost of coverage against the potential payout in case of an accident.
  • Increase your deductibles: Raising your deductibles can lower your premium. However, make sure you choose a deductible amount that you can comfortably afford to pay out of pocket if you need to make a claim.
  • Ask about discounts: Inquire with your insurance provider about any specific discounts available for insuring an older vehicle. They may offer discounts for features like anti-theft devices or safe driving history.
  • Maintain a good driving record: Avoid accidents and traffic violations to keep your insurance rates low. Safe driving can result in lower premiums over time.
  • Bundle policies: If you have other insurance policies, such as homeowner’s or renter’s insurance, consider bundling them with your auto insurance. Insurance companies often offer discounts for multiple policies.

Am I covered when driving someone else’s vehicle with my insurance policy?

In general, insurance coverage follows the vehicle rather than the driver. This means that if you have valid insurance for your 2013 Subaru BRZ, it may provide coverage when you are driving someone else’s vehicle with their permission. However, coverage can vary depending on the insurance policy and specific circumstances, so it’s crucial to consult your insurance provider to understand the extent of your coverage in these situations.

Will my insurance policy cover me when driving a rental car?

Many auto insurance policies extend coverage to rental cars, but it’s important to review your policy or contact your insurance provider to confirm the details. Some policies may provide coverage for rental cars that are used as a temporary substitute for your own vehicle, while others may require additional coverage or offer rental car reimbursement as an optional add-on.

How can I save money on my car insurance premiums?

Here are some additional tips to help you save money on your car insurance premiums:

  • Maintain a good credit score: In some states, insurance companies consider your credit history when determining rates. A higher credit score may result in lower premiums.
  • Drive safely and defensively: Avoid accidents and traffic violations to maintain a clean driving record. Some insurance providers offer safe driving discounts.
  • Take advantage of discounts: Inquire about available discounts such as good student discounts, multi-policy discounts, or discounts for safety features installed in your vehicle.
  • Compare quotes: Regularly compare insurance quotes from different providers to ensure you’re getting the best rate. Online comparison tools or contacting local insurance agents can help with this process.

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