Subaru Subaru Crosstrek Insurance Rates
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UPDATED: Jan 13, 2020
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Searching for cheaper insurance rates for your Subaru XV Crosstrek? I can’t think of a single person who enjoys paying for insurance, particularly when they are paying too much. Multiple insurers compete for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies and get the definite lowest rate
If you have a current insurance policy or are just looking to switch companies, you can use these tips to get lower rates and possibly find even better coverage. Finding the best rates is easy if you know what you’re doing. Drivers only need to know the proper methods to compare rates online.
Where Can I Get Cheap Car Insurance?
Most major insurance companies such as State Farm and Allstate provide insurance quotes on the web. Getting online quotes is quite simple as you simply type in your required coverages into a form. After you submit the form their system obtains your driving record and credit report and provides a quote based on these factors. Being able to quote online simplifies rate comparisons, but the time it takes to visit each company’s website and repetitively complete many quote forms can be a bit repetitive. But it’s absolutely necessary to get many rate quotes in order to find a better rate.
Quote rates the easy way
A more efficient way to lower your car insurance bill uses one form to obtain quotes from several different companies. This type of form saves time, reduces the work, and makes price shopping online much simpler. Immediately after submitting the form, your coverage is rated and you are able to buy any one of the quotes that you receive.
If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. This process takes just a few minutes to complete and can result in significant savings.
To compare rates now, simply click here to open in new window and enter your vehicle and coverage information. To compare your current rates, we recommend you copy deductibles and limits just like they are on your policy. This helps ensure you are getting rate comparison quotes based on similar coverages.
How much can you save with these five discounts?
The cost of insuring your cars can be expensive, but there are discounts available that many people don’t even know exist. A few discounts will automatically apply when you get a quote, but some must be inquired about before they will apply. If you aren’t receiving every discount available, you are throwing money away.
- Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more on XV Crosstrek insurance than drivers with accident claims.
- Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts can save up to 15% off your PIP or medical payments premium.
- Drivers Education – Require your teen driver to complete a driver education course if offered at their school.
- Accident Free – Claim-free drivers can save substantially compared to accident-prone drivers.
- Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% on XV Crosstrek insurance with a few insurance companies.
Keep in mind that some of the credits will not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, companies don’t profit that way. But all discounts will bring down the cost of coverage.
Car insurance companies that may offer these money-saving discounts include:
Before buying, ask all companies you are considering what discounts are available to you. Savings might not be offered in every state.
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How much car insurance do I need?
When it comes to choosing adequate coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that could help you determine if your situation would benefit from professional advice.
- Is a blown tire covered by insurance?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- What if I owe more than I can insure my car for?
- How high should my uninsured/underinsured coverage be in my state?
- Is motorclub coverage worth it?
- Why does it cost so much to insure a teen driver?
If you’re not sure about those questions, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.
Car insurance 101
Learning about specific coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are the usual coverages found on most car insurance policies.
Collision coverages – This covers damage to your XV Crosstrek from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers claims such as hitting a parking meter, backing into a parked car, rolling your car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.
Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Most of the time these coverages are identical to your policy’s liability coverage.
Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for bills for things like pain medications, EMT expenses and nursing services. 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 both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage
Comprehensive coverage – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things like damage from getting keyed, theft, damage from flooding, hitting a deer and a tree branch falling on your vehicle. The most your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Liability car insurance – This will cover damage or injury you incur to a person or their property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability coverage protects against claims like medical expenses, loss of income and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.
Have the Midas touch
When you buy insurance online, it’s not a good idea to skimp on critical coverages to save a buck or two. There are too many instances where someone sacrificed liability limits or collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible at the best price.
Cost effective 2013 Subaru XV Crosstrek insurance can be bought online and with local insurance agents, so compare prices from both in order to have the best chance of saving money. Some insurance providers do not offer online quoting and these small, regional companies work with independent agents.
In this article, we covered quite a bit of information on how to reduce insurance prices online. The most important thing to understand is the more times you quote, the better likelihood of reducing your rate. You may even find the best prices are with a small local company. They may have significantly lower rates on certain market segments compared to the large companies like GEICO and State Farm.
For more information, link through to the following helpful articles:
- Coverage Information (Progressive Insurance)
- Side Impact Crash Tests (iihs.org)
- Neck Injury FAQ (iihs.org)
- Senior Drivers (Insurance Information Insitute)
- Choosing an Insurance Company (Insurance Information Insitute)
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