Save on 2024 Subaru Crosstrek Car Insurance Cost

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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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Buyers have lots of choices when searching for the best price on Subaru Crosstrek insurance. You can either waste hours driving around to compare prices or save time using the internet to compare rates.

There is a better way to buy insurance so we’re going to tell you the absolute fastest way to get price quotes on a Subaru and locate the cheapest rates from local insurance agents and online providers.

How to find low cost insurance coverage

The majority of larger companies such as Progressive, GEICO, Allstate and State Farm make it easy to get coverage price quotes directly from their websites. Comparing rates online is easy for anyone as all you need to do is type in the amount of coverage you want into the form. After you submit the form their system requests your credit score and driving record and returns a price quote based on many factors.

Online price estimates makes it simple to compare prices but having to visit multiple sites and type in the same information can be a bit tiresome and repetitive. But it’s also necessary to get many rate quotes in order to find a lower rate.

A quicker way to compare insurance coverage pricing requires only one form that analyzes rates from several different companies. It saves time, requires less work, and makes rate comparisons a little more enjoyable. After sending the form, it is rated and you are able to buy your choice of the quote results.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. It can be completed in a matter of minutes and can result in significant savings.

In order to use this form to compare rates, simply enter your zip code here and input your coverage information. To compare your current rates, we recommend you enter your coverages identical to your current policy. This way, you will get a fair comparison for exact coverage.

How car insurance companies determine Subaru Crosstrek insurance rates

An important part of buying insurance is that you know the factors that play a part in calculating the rates you pay for auto insurance. If you understand what influences your rates, this empowers consumers to make smart changes that could help you find much lower annual insurance costs.

  • Alarm systems save money – Selecting a car model with a theft deterrent system can help bring down rates. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms all help stop auto theft.
  • Do you qualify for a multi-policy discount? – The majority of companies apply a discount to clients who have multiple policies with them in the form of a multi-policy discount. Even with this discount applied, you still need to get quotes from other companies to help ensure you have the lowest rates.
  • Adjust physical damage deductibles and save – Physical damage deductibles represent how much money you are required to pay before a claim is paid by your company. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Examples of covered claims could be a windshield broken by a bird, damage from fire, and damage caused by road hazards. The more you pay before a claim is paid (deductible), the better rate you will receive for Crosstrek insurance.
  • Drive lots and pay more – The higher the miles on your Subaru in a year the higher your rates will be. Almost all companies charge to insure your cars based on how the vehicle is used. Autos left parked in the garage receive better premium rates than those used for commuting. A policy that improperly rates your Crosstrek may be costing you. Ask your agent if your auto insurance policy states how each vehicle is driven.
  • Liability coverage – A critical coverage on your policy, liability insurance is the coverage that protects you if you are found liable for causing damage or personal injury in an accident. It provides you with a defense in court to attempt to prove you were not liable. This coverage is very inexpensive when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
  • Don’t buy add-on coverages that aren’t used – Insurance policies have a lot of additional extra coverages that can waste your money if you aren’t diligent. Insurance for things like rental car coverage, accidental death, and motor club memberships may be wasting your money. They may seem good when you first buy your policy, but your money might be better spent on other coverage so remove them and pocket the money.
  • Bad credit will cost you – Credit score can be a huge factor in calculating your auto insurance rates. Insureds with excellent credit tend to file fewer claims than drivers who have lower ratings. Therefore, if your credit is not that good, you could save money insuring your 2024 Subaru Crosstrek by improving your rating.
  • Prices may be lower depending on your employer – Occupational choices like military personnel, airline pilots and stock brokers tend to pay higher rates than the rest of us due to intense work-related stress and long work days. On the flip side, occupations like actors, students and performers pay lower than average rates for Crosstrek insurance.

Are you earning every discount?

Car insurance companies do not advertise their entire list of discounts very clearly, so below is a list some of the more common in addition to some of the lesser obvious discounts that you may qualify for.

  • No Claim Discounts – Drivers who stay claim-free can save substantially when compared with accident-prone drivers.
  • Club Memberships – Affiliation with a professional or civic organization can get you a small discount on your policy.
  • Discounts for Multiple Vehicles – Purchasing coverage when you have several vehicles on one policy may reduce the rate for each vehicle.
  • Own a Home – Simply owning a home can save a few bucks because maintaining a house demonstrates responsibility.
  • Auto/Home Discount – If you can combine your auto and homeowners policy and insure them both with the same insurance company you could get a discount of approximately 10% to 15%.
  • Discount for Good Grades – Performing well in school can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Data Collection Discounts – Drivers that enable their insurance company to scrutinize driving manner through the use of a telematics system like Allstate’s Drivewise could see a rate decrease as long as they are good drivers.
  • Student in College – College-age children who attend college more than 100 miles from home and do not have access to a covered vehicle could qualify for this discount.

Consumers should know that most of the big mark downs will not be given to the whole policy. Most only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates all those discounts means the company will pay you, it just doesn’t work that way.

Popular insurance coverage companies and a partial list of their discounts include:

  • 21st Century may include discounts for student driver, air bags, teen driver, homeowners, automatic seat belts, 55 and older, and driver training.
  • Progressive has discounts for multi-policy, online quote discount, good student, continuous coverage, multi-vehicle, online signing, and homeowner.
  • State Farm has savings for anti-theft, accident-free, defensive driving training, good student, passive restraint, multiple autos, and student away at school.
  • Nationwide offers discounts for business or organization, multi-policy, defensive driving, good student, easy pay, Farm Bureau membership, and anti-theft.
  • Esurance may have discounts that include multi-car, renters, good driver, paid-in-full, Switch & Save, and anti-lock brakes.
  • The Hartford offers premium reductions for anti-theft, driver training, air bag, defensive driver, and vehicle fuel type.

Before purchasing a policy, check with each insurance company which discounts they offer. Savings may not be offered everywhere. To locate providers with significant discounts, enter your zip code here.

When in doubt talk to an agent

When it comes to choosing the right insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that might help in determining if you could use an agent’s help.

  • Do I need more liability coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • At what point should I drop full coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is other people’s property covered if stolen from my vehicle?
  • How can I force my company to pay a claim?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, fill out your zip code. It is quick, free and can provide invaluable advice.

Insurance coverages and their meanings

Having a good grasp of insurance aids in choosing the best coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy.

Comprehensive insurance

This coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as vandalism, theft, a tree branch falling on your vehicle and hitting a deer. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2024 Subaru Crosstrek.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for expenses for pain medications, doctor visits, surgery, hospital visits and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Liability coverages

This will cover damage that occurs to other’s property or people that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things like loss of income, funeral expenses and court costs. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Collision protection

Collision coverage covers damage to your Crosstrek resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like rolling your car, sideswiping another vehicle, colliding with another moving vehicle, driving through your garage door and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Shop around and save

Drivers switch companies for many reasons like not issuing a premium refund, being labeled a high risk driver, delays in responding to claim requests and policy cancellation. No matter why you want to switch, finding a great new company is less work than it seems.

When getting auto insurance quotes online, you should never buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice full coverage and found out when filing a claim that they should have had better coverage. Your aim should be to find the BEST coverage at an affordable rate and still be able to protect your assets.

Some car insurance companies may not offer online quoting and usually these regional carriers only sell coverage through independent insurance agents. Discount 2024 Subaru Crosstrek insurance can be bought from both online companies in addition to local insurance agencies, so you should compare both to get a complete price analysis.

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