Subaru Subaru Crosstrek Insurance Rates
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UPDATED: May 11, 2022
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Trying to find the cheapest auto insurance rates? Buyers have many options when searching for the best price on Subaru Crosstrek insurance. They can either spend hours calling around getting price quotes or utilize the internet to get rate quotes.
There is a right way and a wrong way to find auto insurance online so we’re going to tell you the proper way to price shop coverage for a Subaru and obtain the lowest price.
The purpose of this article is to teach you how car insurance quotes work and some tips to save money on your 2017 Subaru Crosstrek insurance cost. If you have car insurance now, you will be able to reduce your rates substantially using this strategy. Vehicle owners just need to know the most efficient way to compare company rates online.
Why Your Insurance Costs Might Be Higher
Many things are taken into consideration when you get a price on insurance. A few of the factors are predictable like an MVR report, but others are more obscure like where you live or your financial responsibility.An important part of buying insurance is that you know the rating factors that come into play when calculating the level of your policy premiums. When consumers understand what controls the rates you pay, this allows you to make educated decisions that could result in lower premium levels.
- Incidental coverages can cost a lot – Insurance policies have a lot of extra add-on coverages that you can get tricked into buying if you aren’t diligent. Insurance for replacement cost coverage, accidental death, and extra life insurance coverage may be wasting your money. You may think they are a good idea when talking to your agent, but now you might not need them so consider taking them off your policy.
- Lower premiums with GPS tracking and theft deterrents – Buying a car that has an advanced theft prevention system can save you some money. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop your car from being stolen.
- Better drivers pay better costs – Having a clean driving record has a lot to do with how much you pay for insurance. Having a single chargeable violation could increase your next policy renewal forty percent or more. Drivers who don’t get tickets tend to pay less for car insurance than people who have multiple driving citations. Drivers who have flagrant tickets such as DUI or willful reckless driving might be required by their state to prove financial responsibility with their state DMV in order to legally drive a vehicle.
- Do you have a demanding vocation? – Jobs such as military generalspolice officers and miners usually pay the highest rates attributed to job stress and lots of time spent at work. On the flip side, professions such as scientists, engineers and performers get better rates for Crosstrek coverage.
- Men drivers tend to cost more – Over the last 30 years, statistics show females are less aggressive when driving. However, this does not mean men are worse drivers. Both sexes are in accidents at about the same rate, but males have costlier accidents. Not only that, but men also get cited for more serious violations like reckless driving and DUI. Male teenagers have the highest risk to insure and therefore are the most expensive to insure.
- Marriage is a bonus – Having a significant other may cut your premiums on your car insurance policy. Having a significant other may mean you are more mature than a single person and insurance companies like that married drivers tend to file fewer claims.
- Lower rates with continuous car insurance coverage – Having a lapse in insurance coverage can be a sure-fire way to increase your renewal premiums. Not only will you pay more, being ticketed for driving with no insurance could result in a steep fine or even jail time.
- Where you call home can impact rates – Having an address in a rural area may provide you with better prices when it comes to car insurance. Drivers in populated areas have to deal with more traffic problems and higher rates of accident claims. Less people means reduced accidents and a lower car theft rate.
Lower Rate Quotes by Taking Advantage of Discounts
Some companies don’t always advertise every discount they offer in a way that’s easy to find, so the following list contains a few of the more well known and also the lesser-known discounts that you can inquire about if you buy auto insurance online. If you do not double check each discount possible, you are not getting the best rate possible.
- Anti-lock Brake System – Cars and trucks with ABS braking systems or traction control are much safer to drive so you can save 10 percent or more.
- Seat Belt Discounts – Forcing all vehicle occupants to buckle up may be able to save a few bucks off the personal injury premium cost.
- Professional Memberships – Being a member of a qualifying organization can get you a small discount when shopping for car insurance.
- Multiple Cars – Buying coverage for more than one vehicle on one policy can reduce the rates for all insured vehicles.
- Theft Deterent – Vehicles that have factory alarm systems and tracking devices can help prevent theft so companies will give you a small discount.
Don’t be surprised that most discounts do not apply the whole policy. Most only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates all those discounts means the company will pay you, you won’t be that lucky.
Auto Insurance Myths Debunked
Consumers can’t get away from all the ads that promise big savings from the likes of Progressive, Allstate and GEICO. They all have a common claim about how much you will save if you get a free auto insurance quote and switch your coverage.
How does every auto insurance company charge lower premium rates? This is the way they can do it.
All the different companies have an ideal profile for the type of driver that is profitable for them. One example of a desirable risk may be a female over age 40, has no claims, and drives a lower-performance vehicle. A customer getting a price quote that meets those criteria will probably get the lowest car insurance rates and will most likely save when switching.
Insureds who don’t qualify for these standards will get a higher premium which usually ends up with the customer not buying. The trick is to say “people who switch” not “all people who quote” save that much money. That’s why companies can make the claims of big savings.
This really drives home the point why you need to do a price quote comparison at every renewal. It’s not possible to predict the company that will provide you with the cheapest prices.
How much car insurance do I need?
When choosing the right insurance coverage for your vehicles, there is no one size fits all plan. Every insured’s situation is different.
These are some specific questions that can aid in determining whether your personal situation would benefit from professional advice.
- What can I do if my company won’t pay a claim?
- Is my business laptop covered if it gets stolen from my vehicle?
- Where can I get insurance after a DUI in my state?
- Do I need PIP (personal injury protection) coverage in my state?
- Is my babysitter covered when using my vehicle?
- Can I make deliveries for my home business?
- When should I drop full coverage on my 2017 Subaru Crosstrek?
If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. It’s fast, doesn’t cost anything and may give you better protection.
What insurance coverages do you need?
Knowing the specifics of insurance aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.
Coverage for medical payments
Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like doctor visits, surgery, ambulance fees and prosthetic devices. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage
Liability car insurance
This coverage will cover damage or injury you incur to other people or property. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.
Liability coverage pays for things such as repair bills for other people’s vehicles, bail bonds and court costs. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.
Collision coverage protection
This pays for damage to your Crosstrek resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things like damaging your car on a curb, sustaining damage from a pot hole and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.
Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like a tree branch falling on your vehicle, hail damage and a broken windshield. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.
Uninsured and underinsured coverage
This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your 2017 Subaru Crosstrek.
Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Feed The Piggy Bank
Cheap 2017 Subaru Crosstrek insurance is possible both online as well as from independent agents, and you need to price shop both to have the best chance of lowering rates. Some insurance providers may not have the ability to get quotes online and many times these small insurance companies work with local independent agents.
When searching for the cheapest auto insurance quotes, you should never buy less coverage just to save a little money. In many cases, someone sacrificed uninsured motorist or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to buy enough coverage at the lowest possible cost while not skimping on critical coverages.
Drivers change insurance companies for many reasons like policy non-renewal, high rates after DUI convictions, extreme rates for teen drivers or even high prices. It doesn’t matter what your reason, switching companies is pretty easy and you might even save some money in the process.
Additional insurance information can be read at the links below
So is a Subaru Crosstrek expensive to insure? The best way to find out how much should you pay for a Subaru Crosstrek insurance policy is to get multiple quotes. Comparing quotes will help you find out how much does it cost to insure a Subaru Crosstrek in your area and save on 2017 Subaru Crosstrek insurance rates.
What are the safety ratings of the 2017 Subaru Crosstrek?
Is the 2017 Subaru Crosstrek a good car? If a vehicle has poor ratings and features, it will affect an insurer’s insurance rates for a Subaru Crosstrek. The 2017 Subaru Crosstrek comes with some great safety features, such as a rearview camera, blind-spot monitoring, and cross-traffic alert.
The Insurance Institute for Highway Safety (IIHS) also awarded the Subaru Crosstrek a 2017 Top Safety Pick award. Take a look at the 2017 Subaru Crosstrek safety ratings from the IIHS below.
- Small overlap front (driver-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
Good is the highest rating the IIHS gives, so the Subaru Crosstrek did great.
2017 Subaru Crosstrek Compared Against Other Vehicles in the Same Class
The 2017 Subaru Crosstrek is a small car. Unless small cars are prone to crashing, they generally have cheaper liability insurance rates because they can’t inflict much damage to other cars. If you want to see how the 2017 Subaru Crosstrek’s rates compare to other small cars’ rates, view the vehicles below.
Remember, the best way to save on Subaru Crosstrek insurance costs is to compare rates.
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