2019 Subaru Crosstrek Insurance Cost 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 3, 2024

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Searching for better car insurance rates for your Subaru Crosstrek? Paying for overpriced Subaru Crosstrek insurance can deplete your savings account and make it impossible to make ends meet. Vehicle owners have many insurers to choose from, and though it is a good thing to have a selection, more choices can make it harder to get the best deal.

It’s a good idea to do price comparisons every six months because prices are usually higher with each renewal. Just because you had the best rate for Crosstrek coverage two years ago there may be better deals available now. Ignore everything you know about car insurance because we’re going to demonstrate the things you must know in order to find the best coverage while lowering your premiums.

Find hidden discounts to get affordable auto insurance rates

Companies offering auto insurance don’t always publicize the complete list of policy discounts in an easy-to-find place, so the list below gives a summary of both well-publicized in addition to some of the lesser obvious credits that may apply to you.

  • More Vehicles More Savings – Buying insurance for multiple vehicles on a single policy may reduce the rate for each vehicle.
  • Defensive Driver Discounts – Taking time to complete a course in defensive driver can save you 5% or more if your company offers it.
  • Professional Organizations – Having an affiliation with a civic or occupational organization could earn you a nice discount on your policy.
  • Early Payment Discounts – If you can afford to pay the entire bill rather than spreading payments over time you can actually save on your bill.
  • College Student – College-age children who live away from home at college and don’t have a car may qualify for this discount.
  • Cautious Driver Discounts – Insureds who avoid accidents may receive a discount up to 45% for Crosstrek coverage than drivers with accident claims.

One last thing about discounts, many deductions do not apply to the entire cost. A few only apply to the cost of specific coverages such as comp or med pay. If you do the math and it seems like adding up those discounts means a free policy, nobody gets a free ride.

A list of companies and some of the premium reductions they offer can be read below.

  • State Farm may offer discounts for driver’s education, good student, anti-theft, multiple policy, safe vehicle, Drive Safe & Save, and student away at school.
  • GEICO offers discounts including anti-lock brakes, multi-vehicle, five-year accident-free, air bags, defensive driver, and good student.
  • Liberty Mutual offers discounts for new move discount, safety features, new vehicle discount, newly retired, newly married, hybrid vehicle, and teen driver discount.
  • The Hartford may have discounts that include good student, anti-theft, defensive driver, vehicle fuel type, bundle, and driver training.
  • MetLife has savings for claim-free, accident-free, good student, defensive driver, good driver, and multi-policy.
  • Progressive has discounts for continuous coverage, multi-policy, online signing, homeowner, online quote discount, multi-vehicle, and good student.

If you want inexpensive auto insurance quotes, ask every company what discounts are available to you. Some discounts listed above may not apply in your area.

Free auto insurance quotes

There are a variety of methods to shop for auto insurance, and some are less time-consuming than others. You can spend countless hours discussing policy coverages with local insurance agents in your area, or you could save time and use the web for quick rates.

Most of the best insurance companies participate in an industry program where prospective buyers enter their coverage request one time, and every company can provide price quotes based on that data. This saves time by eliminating quote requests for each company. To compare rates using this form now enter your zip code here.

One minor caveat to comparing rates this way is you cannot specify which insurance companies to receive prices from. So if you prefer to choose specific providers to compare rates, we have assembled a list of low cost auto insurance companies in your area. Click to enter zip code.

Whichever way you choose to compare rates, do your best to use the same quote data on every quote. If you are comparing different values for each quote you will not be able to determine the best price for your Subaru Crosstrek.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions may help you determine whether or not you would benefit from professional advice.

  • Should I bundle my homeowners policy with my auto?
  • Do I pay less if my vehicle is kept in my garage?
  • Is my 2019 Subaru Crosstrek covered for flood damage?
  • Is business equipment covered while in my vehicle?
  • Will filing a claim cost me more?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Can I afford to buy a different vehicle if my 2019 Subaru Crosstrek is totaled?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete your zip code. It’s fast, free and you can get the answers you need.

Information about specific coverages

Understanding the coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages found on most car insurance policies.

Comprehensive protection

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, theft, hitting a bird, damage from a tornado or hurricane and a broken windshield. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for immediate expenses like chiropractic care, funeral costs, dental work, pain medications and surgery. They are used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Uninsured or underinsured coverage

This coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Subaru Crosstrek.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liability limits.

Liability car insurance

Liability coverage protects you from injuries or damage you cause to a person or their property by causing an accident. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things like legal defense fees, medical expenses, bail bonds, loss of income and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Collision insurance

This will pay to fix damage to your Crosstrek caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with a tree, backing into a parked car, hitting a parking meter and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

What is YOUR best insurance company?

We just showed you a lot of tips how to save on 2019 Subaru Crosstrek insurance. The key thing to remember is the more rate quotes you have, the better your comparison will be. Consumers could even find that the best price on car insurance is with a smaller regional carrier. Regional companies may have significantly lower rates on certain market segments compared to the large companies like Progressive or GEICO.

When you buy auto insurance online, don’t be tempted to skimp on critical coverages to save a buck or two. Too many times, an insured dropped comprehensive coverage or liability limits only to find out that they should have had better coverage. Your aim should be to buy the best coverage you can find at the best cost, but don’t skip important coverages to save money.

Cheap 2019 Subaru Crosstrek insurance is available from both online companies and from local insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance providers do not offer the ability to get quotes online and these regional carriers prefer to sell through independent agents.

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