Subaru Baja Insurance Rates
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UPDATED: Jan 15, 2020
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If shopping for auto insurance online is new to you, you may be overwhelmed by the hoards of companies offering insurance. Getting cheaper insurance rates doesn't have to be difficult. The only requirement is to invest a few minutes getting comparison quotes provided by online insurance companies. This is very easy and can be done by comparing rates here.
Car insurance rates influenced by...
Car insurance premiums on a Subaru Baja can vary widely depending on several factors. Including but not limited to:
- A clean driving record keeps rates low
- Credit rating
- Where you reside can make a big difference
- The number of annual miles
- Men typically pay more than women
- Deductible amount directly impacts your rate
- Crash test rating for your Baja
- Your claim history
- Maintaining coverage lowers rates
- Home ownership saves money
An additional factor that will help determine Subaru Baja insurance rates is the year of the vehicle. Newer models have a higher replacement value than older models so the cost to replace them can inflate annual premiums. But more recent Baja vehicles may have safety features including forward-collision avoidance, adaptive cruise control, and lane departure warning system which can lower rates.
To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from the list below.
This coverage will cover damage or injury you incur to people or other property by causing an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy higher limits if possible.
Auto collision coverage
Collision coverage will pay to fix damage to your Baja resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in. Collision coverage for your Subaru Baja can be pricey, so you might think about dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.
This coverage pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.
Medical expense coverage
Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.
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