Cheap 2022 Subaru Crosstrek Insurance Rates 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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Want lower insurance coverage rates for your Subaru Crosstrek? Have you fallen victim to an underperforming, overpriced insurance coverage policy? It’s quite common and there are many drivers thinking the same thing. Companies like State Farm, Allstate, GEICO and Progressive continually bombard you with TV and radio ads and it is difficult to ignore the promise of big savings and effectively compare rates to find the best deal.

It’s important to shop coverage around every six months because insurance coverage prices are usually higher with each renewal. Just because you had the lowest rate on Crosstrek insurance last year other companies may now be cheaper. Ignore everything you know about insurance coverage because you’re going to learn the quickest way to reduce your cost while increasing coverage.

These discounts can lower your insurance coverage rates

Insurance coverage is not cheap nor is it fun to buy but there may be some discounts that can drop the cost substantially. Some discounts will apply when you quote, but a few need to be requested specifically before you get the savings. If you’re not getting every credit you deserve, you are just wasting money.

  • Renewal Discounts – A few larger companies allow discounts for renewing your policy prior to your current policy expiration. You may see this discount when you get insurance coverage quotes online.
  • Lower Rates for Military – Having an actively deployed family member could be rewarded with lower premium rates.
  • Good Grades Discount – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • Paperless Signup – Some insurance coverage companies give back up to $50 for buying your policy online.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems have fewer accidents and the ABS can save up to 10%.
  • Data Collection Discounts – Drivers that enable driving data submission to monitor driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if they exhibit good driving behavior.
  • Payment Method – By paying your entire bill at once instead of monthly or quarterly installments you may have a lower total premium amount.

Discounts lower rates, but some of the credits will not apply to the entire policy premium. A few only apply to individual premiums such as collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, that’s just not realistic.

Auto insurance companies who might offer these money-saving discounts include:

  • AAA
  • Progressive
  • State Farm
  • Esurance
  • Nationwide

When getting free insurance coverage quotes, it’s a good idea to each company what discounts are available to you. Some of the discounts discussed earlier may not apply to policyholders in your area. For a list of companies who offer cheap insurance coverage quotes, enter your zip code here.

Different people need different car insurance coverages

When buying coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that may help you determine if you would benefit from professional advice.

  • Should I waive the damage coverage when renting a car?
  • Should I bundle my homeowners policy with my auto?
  • Is rental equipment covered for theft or damage?
  • Do I have newly-acquired coverage?
  • Which companies will insure high-risk drivers?
  • If I drive on a suspended license am I covered?
  • Does insurance cover damages from a DUI accident?

If you’re not sure about those questions then you might want to talk to an agent. If you don’t have a local agent, fill out your zip code. It only takes a few minutes and may give you better protection.

Don’t listen to company ads

Drivers get pounded daily by advertisements that promise big savings for switching by companies like Progressive, Allstate and GEICO. They all try to convey promises that you can save if you move your coverage to them.

How does every auto insurance company claim to save you money? It’s all in the words they use.

All the different companies have underwriting criteria for the type of driver that will be a good risk. An example of a profitable risk profile could be over the age of 45, has other policies, and has great credit. Any person who meets those qualifications is entitled to the best price and is almost guaranteed to save a lot of money.

Insureds who are not a match for the ideal profile may receive a more expensive rate which translates to business not being written. The ad wording is “drivers that switch” but not “everyone who gets a quote” save the amount stated. That is how insurance companies can confidently lure you into getting a quote.

Because each company has a different risk profile, you should compare price quotes frequently. Because you cannot predict which auto insurance company will have the best rates at this point in time.

Auto insurance coverages 101

Learning about specific coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average auto insurance policy.

Auto liability insurance

This coverage can cover damage or injury you incur to people or other property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things such as bail bonds, court costs, attorney fees, structural damage and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Medical costs insurance

Coverage for medical payments and/or PIP pay for immediate expenses for surgery, chiropractic care and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from a tornado or hurricane, a broken windshield, theft and rock chips in glass. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision protection

Collision insurance will pay to fix damage to your Crosstrek from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like scraping a guard rail, crashing into a building, hitting a parking meter and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

UM/UIM Coverage

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Subaru Crosstrek.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually these limits do not exceed the liability coverage limits.

Feed the piggy bank

We covered many tips how you can compare 2022 Subaru Crosstrek insurance premium rates online. It’s most important to understand that the more quotes you get, the better your comparison will be. You may even discover the best premium rates are with a smaller regional carrier. They may often insure only within specific states and give getter rates compared to the large companies like Progressive and GEICO.

When trying to cut insurance costs, do not reduce coverage to reduce premium. In many cases, an insured cut comprehensive coverage or liability limits to discover at claim time they didn’t have enough coverage. The aim is to purchase a proper amount of coverage at the best price, but do not skimp to save money.

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