Cheapest 2014 Subaru BRZ Insurance Rates in 2023
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UPDATED: Jun 5, 2023
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Looking for lower auto insurance rates for your Subaru BRZ? Feel like you’re a prisoner to high-priced auto insurance? Trust us when we tell you you’re not the only one. Big-name insurance companies like Allstate and Progressive increase brand awareness with TV and radio ads and it is challenging if not impossible to see through the cute green geckos and mayhem and do the work needed to find the best deal.
The quickest method we recommend to compare insurance rates in your area is to understand most of the larger companies allow for online access to give you rate quotes. All consumers are required to do is take a few minutes to give details such as how much coverage you want, your education level, if you have an active license, and daily mileage. Your insurance information is instantly sent to insurance carriers in your area and they respond with quotes with very little delay.
Don’t listen to company ads
Consumers can’t get away from ads for cheaper car insurance from the likes of State Farm and Allstate. They all make an identical promise of big savings after switching your coverage to them.
How can each company claim to save you money? It’s all in the numbers.
Different companies have a certain “appetite” for the type of driver that earns them a profit. An example of a desirable insured could possibly be over the age of 50, has no tickets, and drives less than 7,500 miles a year. A customer who matches those parameters will get very good rates and most likely will save when they switch companies.
Drivers who fall outside these standards must pay a more expensive rate and ends up with the customer not buying. Company advertisements say “customers who switch” but not “drivers who get quotes” save that much. That’s the way insurance companies can confidently make the claims of big savings.
This illustrates why you need to get as many quotes as possible. It is impossible to predict which insurance companies will have the lowest Subaru BRZ insurance rates.
Be sure to get all your discounts
Car insurance is not cheap, buy you may qualify for discounts to help offset the cost. Some discounts apply automatically when you get a quote, but lesser-known reductions have to be manually applied before being credited. If you aren’t receiving every discount you deserve, you are paying more than you should be.
- College Student – Youth drivers living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
- Military Discounts – Having a family member in the military could be rewarded with lower premiums.
- New Vehicle Savings – Adding a new car to your policy can save up to 30% since new cars are generally safer.
- Own a Home – Owning a home may earn you a small savings due to the fact that maintaining a home shows financial diligence.
- Good Student Discount – Performing well in school can earn a discount of 20% or more. This discount can apply well after school through age 25.
- Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
- Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.
- Government Employees – Simply working for the federal government could cut as much as 10% off on BRZ coverage with a few insurance companies.
- Paperwork-free – A handful of insurance companies will discount your bill up to fifty bucks just for signing your application over the internet.
Consumers should know that most discount credits are not given to the entire policy premium. Most only reduce the price of certain insurance coverages like comp or med pay. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way. But any discount will help reduce your overall premium however.
Insurance companies that possibly offer some of the above discounts include:
Before buying, ask each company which discounts you may be entitled to. Savings may not apply in your area.
How do I know if I need professional advice?
When it comes to buying adequate coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions might help in determining whether your personal situation may require specific advice.
- Are my friends covered when driving my car?
- Where can I find high-risk insurance?
- Does my car insurance cover rental cars?
- Should I file a claim if it’s only slightly more than my deductible?
- Why am I required to buy liability insurance?
- Do I need replacement cost coverage?
- Does my insurance cover my expensive audio equipment?
If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.
Car insurance 101
Having a good grasp of a auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types available from auto insurance companies.
Liability coverages – Liability insurance will cover damage or injury you incur to a person or their property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident 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, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage protects against claims like repair costs for stationary objects, repair bills for other people’s vehicles, funeral expenses, bail bonds and pain and suffering. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.
UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Subaru BRZ.
Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally these limits do not exceed the liability coverage limits.
Comprehensive auto coverage – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive can pay for claims such as fire damage, theft, rock chips in glass, hitting a deer and damage from getting keyed. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Collision coverage – This will pay to fix damage to your BRZ resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage pays for claims like sustaining damage from a pot hole, colliding with another moving vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.
Medical payments and PIP coverage – Coverage for medical payments and/or PIP kick in for short-term medical expenses such as prosthetic devices, hospital visits, chiropractic care and nursing services. They are often utilized in addition to your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay
Buy online or local, you save
Throughout this article, we presented many tips how you can reduce 2014 Subaru BRZ insurance prices online. The key concept to understand is the more you quote, the higher the chance of saving money. Consumers could even find that the biggest savings come from an unexpected company. They may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.
Cost effective insurance can be purchased online as well as from independent agents, and you need to comparison shop both in order to have the best price selection to choose from. A few companies don’t offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.
For more information, take a look at these articles:
- Airbag FAQ (iihs.org)
- Smart Auto Insurance Tips (Insurance Information Insitute)
- Choosing a Car for Your Teen (State Farm)
- Speed and Speed Limit FAQ (iihs.org)
- Can I Drive Legally without Insurance? (Insurance Information Insitute)
Frequently Asked Questions
What factors affect the insurance rates for a 2014 Subaru BRZ?
Several factors can influence the insurance rates for a 2014 Subaru BRZ, including the driver’s age and location, the vehicle’s model and trim level, the driver’s driving history, the level of coverage chosen, and the insurance provider’s specific criteria.
Is the 2014 Subaru BRZ considered an affordable vehicle to insure?
The affordability of insurance for a 2014 Subaru BRZ can vary depending on the factors mentioned earlier. Generally, insurance rates for the 2014 Subaru BRZ are not excessively high compared to other vehicles in its class.
What are some tips to obtain cheaper insurance rates for a 2014 Subaru BRZ?
To potentially secure cheaper insurance rates for a 2014 Subaru BRZ, you can consider the following tips:
- Shop around and compare quotes from multiple insurance providers.
- Maintain a clean driving record with no accidents or traffic violations.
- Opt for higher deductibles, which can lower your premiums.
- Inquire about available discounts, such as multi-policy discounts or safe driver discounts.
- Install safety features in your vehicle, like anti-theft devices or additional airbags, which may qualify you for discounts.
How can I find the cheapest insurance rates for my 2014 Subaru BRZ?
To find the cheapest insurance rates for your 2014 Subaru BRZ, it’s recommended to gather quotes from various insurance providers. You can do this by contacting different insurers directly, using online insurance comparison tools, or consulting with an independent insurance agent who can help you explore multiple options.
Are there any specific insurance providers known for offering competitive rates for a 2014 Subaru BRZ?
Insurance rates can vary significantly between providers, and what may be considered competitive for one person might not be the same for another. It’s essential to compare quotes from multiple insurance companies to determine which one offers the most affordable rates for your specific circumstances and coverage needs.
Are there any specific features of the 2014 Subaru BRZ that may impact insurance rates?
Certain features of the 2014 Subaru BRZ, such as its safety ratings, anti-lock brakes, stability control, or the presence of advanced driver assistance systems, may potentially lower insurance rates. These features can enhance the vehicle’s safety and reduce the risk of accidents, which insurers often take into consideration when calculating premiums.
Can I change my insurance coverage to lower my rates for a 2014 Subaru BRZ?
Adjusting your insurance coverage can be a viable way to lower your rates for a 2014 Subaru BRZ. However, it’s crucial to ensure that the coverage still meets your needs and provides adequate protection. Before making any changes, it’s recommended to consult with your insurance provider or agent to understand the potential impact on coverage and premiums.
Is it possible to qualify for discounts on insurance rates for a 2014 Subaru BRZ?
Yes, it is possible to qualify for discounts on insurance rates for a 2014 Subaru BRZ. Many insurance companies offer various discounts based on factors such as safe driving history, multiple policies with the same insurer, bundling home and auto insurance, good student discounts for young drivers, and more. It’s best to inquire with your insurance provider about the available discounts that you may be eligible for.
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