View 2003 Subaru Baja Insurance Rates

If price shopping insurance quotes online is new to you, you can easily be overwhelmed thanks to the vast number of insurers all claiming to save you money.

You should take the time to price shop coverage at least once a year because insurance coverage prices are constantly changing. Even if you got the lowest price on Baja insurance a year ago the chances are good that you can find a lower rate today. Block out anything you think you know about insurance coverage because we’re going to show you one of the quickest ways to save money, get proper coverage and the best rates.

Use discounts to get cheaper auto insurance quotes

Properly insuring your vehicles can get expensive, but you can get discounts that could help you make your next renewal payment. Larger premium reductions will be automatically applied at the time of quoting, but some need to be specifically requested prior to getting the savings.

  • Seat Belts Save – Drivers who require all occupants to buckle up before driving can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents so you can save 10 percent or more.
  • No Claim Discounts – Drivers who stay claim-free can save substantially in comparison to accident-prone drivers.
  • Resident Student – Children who attend college more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Onboard Data Collection – Insureds who allow companies to analyze when and where they use their vehicle by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if they have good driving habits.
  • No Charge for an Accident – Not necessarily a discount, but certain companies will turn a blind eye to one accident before your rates go up if you have no claims for a particular time prior to the accident.
  • Home Ownership Discount – Owning a house can save a few bucks since home ownership shows financial diligence.
  • Discount for Low Mileage – Driving less could earn lower premium rates due to less chance of an accident.
  • Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • E-sign – A few companies will give you a small discount shop insurance on the web.

Don’t be surprised that most discount credits are not given the the whole policy. Most only apply to the cost of specific coverages such as comp or med pay. Just because you may think you would end up receiving a 100% discount, you’re out of luck. Any amount of discount will help reduce your premiums.

Car insurance companies that may offer policyholders some of the discounts shown above possibly include:

When getting free insurance quotes, it’s a good idea to each company or agent which discounts can lower your rates. Depending on the company, some discounts may not apply to policyholders in your area.

How to get free car insurance quotes online

To find the best car insurance prices, there are several ways to obtain and compare prices from different insurance companies. By far the easiest way to find the lowest Subaru Baja rates is simply to get online rate quotes. It’s really quite simple and can be done by using one of the methods below.

  1. The recommended way to get quotes is an all-inclusive rate comparison click here to open form in new window. This easy form keeps you from doing separate forms for every prospective company. Filling out one form will get you rate comparisons instantly. It’s the fastest way to compare.
  2. Another way to obtain and compare quotes online is to take the time to go to each individual company website and fill out their own quote form. For example, we’ll assume you want to compare Progressive, Liberty Mutual and GEICO. You would have to visit each site and repeatedly type in your coverage information, which explains why we recommend starting with the first method.

    For a handy list of car insurance company links in your area, click here.

  3. The least recommended way to find and compare rates is going to insurance agents’ offices. Comparing rate quotes online makes this process obsolete unless you’re the type of person who wants the personal advice that can only be provided by a licensed insurance agent. Although you can obtain prices from the web and have a local agent actually service the policy.

It’s your choice how you get your quotes, but do your best to enter equivalent coverages on every quote you get. If your comparisons have mixed coverages you can’t possibly make an equal comparison. Just slight variations in coverage limits could throw off the whole comparison. And when quoting car insurance, remember that having more price comparisons helps improve the odds of finding more affordable insurance. Not every company allows you to get quotes online, so you should also compare price quotes from the smaller companies as well.

Tailor your insurance coverage to you

When choosing coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight whether you would benefit from an agent’s advice.

  • Am I covered by my spouse’s policy after a separation?
  • Should I carry comprehensive and collision coverage?
  • Is my 2003 Subaru Baja covered for flood damage?
  • Do I pay less for low miles?
  • Should I have combined single limit or split liability limits?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What is high-risk coverage and where do I buy it?
  • Are there companies who specialize in insuring high-risk drivers?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form.

Auto insurance coverage specifics

Learning about specific coverages of your auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like doctor visits, rehabilitation expenses, EMT expenses, pain medications and prosthetic devices. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Subaru Baja.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Liability auto insurance

Liability insurance protects you from damage that occurs to other people or property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like repair bills for other people’s vehicles, loss of income, medical expenses, emergency aid and medical services. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, damage from getting keyed, a broken windshield and damage from flooding. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision protection

Collision coverage pays for damage to your Baja caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a parking meter, hitting a mailbox, scraping a guard rail and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

A fool and his money are soon parted

People switch companies for a number of reasons such as poor customer service, not issuing a premium refund, extreme rates for teen drivers or even policy cancellation. Regardless of your reason for switching companies, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

As you quote insurance, you should never skimp on critical coverages to save a buck or two. There are too many instances where someone sacrificed physical damage coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your focus should be to find the BEST coverage at the lowest possible cost, but don’t skip important coverages to save money.

Cheap 2003 Subaru Baja insurance is available on the web as well as from insurance agents, and you should compare price quotes from both to have the best selection. Some auto insurance companies may not provide online quoting and many times these regional insurance providers prefer to sell through independent agents.

For more information, feel free to browse the following helpful articles: