View 2013 Subaru XV Crosstrek Insurance Quotes

Locating the cheapest insurance for a new or used Subaru XV Crosstrek could be difficult, but you can learn the following methods to make it easier. There are more efficient ways to compare auto insurance rates so you’re going to learn the absolute fastest way to price shop coverage on a Subaru and locate the best price possible from both online companies and local agents.

Start a Quote Now

Get affordable car insurance quotes with discounts

Not too many consumers would say car insurance is affordable, but there may be some discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied when you purchase, but less common discounts must be requested specifically prior to getting the savings.

Discount for Multiple Policies – When you have multiple policies with the same company you could save at least 10 to 15 percent or more.
Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive and the ABS can save up to 10%.
Memberships – Affiliation with a professional or civic organization may earn a discount on your next car insurance statement.
More Vehicles More Savings – Buying coverage for all your vehicles with the same company may reduce the rate for each vehicle.
Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
Driving Data Discount – Policyholders that allow their insurance company to study where and when they drive through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they exhibit good driving behavior.
Renewal Discounts – Some car insurance companies provide a discount for signing up before your current policy expires. You can save around 10% with this discount.
Defensive Driver Discounts – Successfully completing a safe driver course could cut 5% off your bill and also improve your driving technique.
Senior Citizen Discount – If you’re over the age of 55, you can get lower premium rates on XV Crosstrek coverage.
Waiver for an Accident – Not necessarily a discount, but a few companies such as State Farm and Progressive allow you one accident without getting socked with a rate hike if your claims history is clear for a set time period.

Keep in mind that most discounts do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you can get free auto insurance, companies wouldn’t make money that way.

If you would like to choose from a list of car insurance companies with the best discounts, click here to view.

How you can control Subaru XV Crosstrek insurance premiums

Lots of things are taken into consideration when you get your auto insurance bill. Some are pretty understandable such as your driving record, but others are less apparent like your vehicle usage or how safe your car is.

Prices are affected by your address – Having an address in a rural area may provide you with better prices when talking about car insurance. Drivers who live in large cities have traffic congestion and more time behind the wheel. Lower population means less chance of accidents and a lower car theft rate.
Teenage driver insurance premiums – Teenage drivers have a tendency to be easily distracted with other occupants in the car so they pay higher car insurance rates. Older insureds are shown to be more cautious, are lower risk to insure and are safer drivers.
Get cheaper premiums if you’re married – Getting married may earn you lower rates on car insurance. Having a significant other generally demonstrates drivers are more mature than a single person it has been statistically shown that married couples file fewer claims.
Bundling policies can get discounts – Lots of insurers will award lower prices to people that purchase more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to compare other insurance prices to help ensure you have the lowest rates. It’s possible to still save money even if you insure with multiple companies
Safety ratings are a factor – Vehicles with good safety scores can get you lower premiums. These vehicles have better occupant injury protection and fewer serious injuries means your insurance company pays less which can result in lower premiums. If the Subaru XV Crosstrek is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
Policy add-ons may not be needed – There are a lot of extra bells and whistles that sound like a good idea at the time if you aren’t careful. Insurance for replacement cost coverage, better glass coverage, and membership fees are examples of these. The coverages may be enticing when you first buy your policy, but your money might be better spent on other coverage so eliminate them to save money.
Driving citations will cost you – Your driving record impacts your car insurance rates tremendously. Only having one speeding ticket or other violation may increase your cost by as much as thirty percent. Drivers with clean records receive lower rates than their less careful counterparts. Drivers who get careless violations such as DUI or willful reckless driving are required to prove financial responsibility with their state’s department of motor vehicles in order to prevent a license revocation.
Lower physical damage deductibles cost more – Physical damage deductibles are how much you are willing to pay if you file a covered claim. Insurance for physical damage to your car, aka comp and collision, protects your car from damage. Examples of covered claims are collision with another vehicle, vandalism, and damage from wind. The more you pay before a claim is paid (deductible), the bigger discount you will receive on XV Crosstrek coverage.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different.

For example, these questions may help highlight whether you would benefit from an agent’s advice.

Is borrowed equipment or tools covered if stolen or damaged?
Why am I required to buy high-risk coverage?
How do I insure my teen driver?
Should I buy only the required minimum liability coverage?
What happens if I owe more than my 2013 Subaru XV Crosstrek is worth?
Do I have coverage when making deliveries for my home business?
Am I covered if hit by an uninsured driver?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance in the media

Consumers constantly see and hear ads for cheaper car insurance from the likes of Progressive, GEICO, Allstate and State Farm. All the companies advertise claims about how much you will save just by moving your car insurance coverage to their company.

How can each company give you a better price? It’s all in the wording.

All companies quote the lowest rates for the driver that makes them money. For instance, a profitable risk profile might have to be between the ages of 30 and 50, has never had a claim, and drives less than 7,500 miles a year. Any customer who matches that profile will get very good premium rates and most likely will cut their rates substantially.

Insureds who do not fit this ideal profile will have to pay a higher premium and this can result in business not being written. The ad wording is “drivers that switch” not “everyone who quotes” save that much money. That’s the way companies can state the savings. Different companies use different criteria so it’s extremely important to do a quote comparison often. Because you cannot predict with any certainty which company will have better rates than you’re paying now.

Specifics of your car insurance policy

Knowing the specifics of car insurance helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Subaru XV Crosstrek.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as surgery, funeral costs, doctor visits, prosthetic devices and ambulance fees. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, damage from a tornado or hurricane, damage from getting keyed, a broken windshield and fire damage. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability car insurance – This coverage will cover damage or injury you incur to other’s property or people by causing an accident. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as medical expenses, funeral expenses, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Collision coverage – Collision coverage covers damage to your XV Crosstrek from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with a tree, sustaining damage from a pot hole, crashing into a ditch and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Have the Midas touch

Consumers change insurance companies for many reasons like delays in paying claims, questionable increases in premium, delays in responding to claim requests and even not issuing a premium refund. Whatever your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

You just read a lot of ways to compare 2013 Subaru XV Crosstrek insurance premium rates online. The key thing to remember is the more you quote insurance coverage, the better chance you’ll have of finding low cost insurance coverage. You may be surprised to find that the lowest premium rates are with some of the lesser-known companies.

Cheaper 2013 Subaru XV Crosstrek insurance is available both online in addition to many insurance agents, so you should compare both to get a complete price analysis. Some insurance companies do not offer online quoting and usually these regional insurance providers only sell through independent agencies.

For more information, feel free to visit the resources below: