Cheap 2014 Subaru XV Crosstrek Insurance Cost
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UPDATED: Jan 13, 2020
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Nobody I know likes paying for insurance, in particular when the price is too high. Because you have many options when it comes to insurance, it’s nearly impossible to pick the lowest cost insurer.
Shopping for the lowest cost protection is easy if you know what you’re doing. If you have a current insurance coverage policy or are just looking to switch companies, you can use these tips to get lower rates while maintaining coverages. Drivers only need an understanding of the most effective way to buy insurance coverage online.
Lower rates by qualifying for discounts
Insuring your fleet can be pricey, but companies offer discounts to cut the cost considerably. Some trigger automatically at the time you complete a quote, but a few must be asked about prior to receiving the credit. If you’re not getting every credit possible, you are paying more than you should be.
- Discount for Life Insurance – Some companies give a break if you buy auto and life insurance together.
- Paperwork-free – A few companies give back up to $50 simply for signing on their website.
- New Car Discount – Insuring a new car is cheaper due to better safety requirements for new cars.
- Driver Safety – Successfully completing a course teaching defensive driving skills could cut 5% off your bill if you qualify.
- Claim Free – Good drivers with no accidents can earn big discounts as compared to frequent claim filers.
- Early Switch Discount – Select companies give a discount for signing up before your current expiration date. It’s a savings of about 10%.
- Multi-car Discount – Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.
- Good Student Discount – Performing well in school can get you a discount of up to 25%. The discount lasts until age 25.
- Multiple Policy Discount – When you combine your home and auto insurance with the same company you could get a discount of 10% to 20% off each policy.
A little note about advertised discounts, some of the credits will not apply the whole policy. Most only cut the price of certain insurance coverages like comp or med pay. So when it seems like all the discounts add up to a free policy, companies don’t profit that way. But all discounts will cut your overall premium however.
A partial list of companies who might offer some of the above discounts include:
- Mercury Insurance
- Farmers Insurance
- Auto-Owners Insurance
- Liberty Mutual
Double check with every prospective company what discounts are available to you. Discounts may not apply in your state.
Car insurance is unique, just like you
When choosing the right insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Every insured’s situation is different so this has to be addressed. For example, these questions could help you determine if your situation will benefit from professional help.
- What is covered by UM/UIM coverage?
- Are all vehicle passengers covered by medical payments coverage?
- How do I insure my teen driver?
- Will filing a claim cost me more?
- Which companies will insure high-risk drivers?
- Why am I be forced to buy a membership to get insurance from some companies?
- I have a DUI can I still get coverage?
- What are the financial responsibility laws in my state?
- I don’t drive much so do I pay less?
If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.
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Don’t be fooled by advertising claims
Drivers constantly see and hear ads for the lowest price auto insurance from the likes of 21st Century, Allstate and State Farm. They all seem to make an identical promise of big savings if you switch your coverage to them.
How can each company say the same thing? It’s all in the numbers.
All companies are able to cherry pick for the type of driver that makes them money. A good example of a desirable insured could be between the ages of 30 and 50, owns a home, and has a short commute. A customer who matches those parameters gets the lowest rates and most likely will save when switching.
Consumers who do not match this ideal profile will be charged higher prices and this can result in the customer not buying. The ads state “people who switch” not “everyone that quotes” save that much money. That is how companies can advertise the way they do.
That is why drivers must quote coverage with many companies. It’s just too difficult to predict which insurance company will fit your personal profile best.
Coverages available on your insurance policy
Understanding the coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from insurance companies.
Medical expense coverage
Med pay and PIP coverage provide coverage for bills such as surgery, nursing services and doctor visits. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible
This covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as damage from flooding, rock chips in glass, vandalism and falling objects. The most a 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 insurance pays for damage to your XV Crosstrek caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as sustaining damage from a pot hole, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.
Uninsured or underinsured coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.
This coverage will cover damage or injury you incur to people or other property that is your fault. This insurance 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 per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property. Another option is 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 can pay for claims like funeral expenses, structural damage and medical services. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.
Cheaper 2014 Subaru XV Crosstrek insurance is definitely available both online in addition to many insurance agents, and you need to price shop both to get a complete price analysis. There are still a few companies who do not provide online price quotes and these regional insurance providers work with independent agents.
We’ve covered quite a bit of information on how to save on insurance. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. Drivers may discover the lowest priced insurance coverage comes from a company that doesn’t do a lot of advertising. Some small companies may only write in your state and offer lower rates compared to the large companies like State Farm and Allstate.
- How to Avoid Buying a Flooded Car (Insurance Information Insitute)
- Insurance Losses by Make and Model (iihs.org)
- All About Airbag Safety (State Farm)
- Auto Insurance for Teen Drivers (Insurance Information Insitute)
- Where can I buy Insurance? (Insurance Information Insitute)
- Property Damage Coverage (Liberty Mutual)
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