2014 Subaru XV Crosstrek Car Insurance Cost

Shopping for cheaper insurance over the internet is challenging for people who are beginners to quoting and comparing and buying insurance online. With so many companies in the marketplace, how are we expected to even start to compare all the different companies and get the cheapest available price?

It’s a good idea to do price comparisons before your policy renews since prices are usually higher with each renewal. Despite the fact that you may have had the best deal for XV Crosstrek coverage a few years ago you may be paying too much now. Don’t believe everything you read about insurance on the web, but in this article, you’re going to get some tested techniques to find cheap insurance.

Save money with these tips

Many factors are used when premium rates are determined. Some are obvious such as traffic violations, although some other factors are not quite as obvious such as your marital status and annual miles driven.

  • Multiple policies with one company can save – Most insurers give a discount to clients who have multiple policies with them such as combining an auto and homeowners policy. Even with this discount applied, it’s always a smart idea to check prices from other companies to confirm you are receiving the best rates possible.
  • Tickets will cost you – Whether or not you get tickets impacts your car insurance rates tremendously. Drivers who don’t get tickets have lower premiums than their less careful counterparts. Getting just one driving citation can bump up the cost by as much as thirty percent. Drivers who have flagrant violations like DWI, reckless driving or hit and run convictions are required to complete a SR-22 with their state in order to prevent a license revocation.
  • Poor credit rating equals high rates – Your credit rating is likely to be a major factor in determining your rates. Therefore, if your credit history can be improved, you could save money insuring your 2014 Subaru XV Crosstrek by taking the time to improve your credit score. Drivers who have high credit scores tend to be better drivers and file fewer claims than those with worse credit.
  • Proper usage rating affects prices – Driving more miles in a year’s time the higher your rate. A lot of insurance companies calculate rates partially by how you use the vehicle. Autos left parked in the garage can be on a lower rate level compared to those used for work or business. Ask your agent if your insurance coverage declarations sheet shows the correct driver usage. Incorrect rating for your XV Crosstrek can cost quite a bit.
  • Safer occupants lowers premiums – Safe vehicles tend to have lower insurance rates. Safer cars reduce the chance of injuries and reduced instances of injuries means less money paid by your insurance company and cheaper rates on your policy.
  • High deductibles equal low rates – Protection for physical damage, aka comp and collision, is used to repair damage to your Subaru. A few examples of covered claims could be a broken windshield, vandalism, and burglary. Physical damage deductibles represent how much money you are willing to pay out-of-pocket before your insurance coverage pays a claim. The larger the amount you’re willing to pay, the bigger discount you will receive for XV Crosstrek coverage.
  • When should you file a claims? – Companies provide lower rates to policyholders who do not rely on their insurance for small claims. If you tend to file frequent claims, you can expect higher rates. Your car insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Cut prices and deter theft – Buying a car with an alarm system can get you a discount on your insurance coverage. Advanced theft deterrents like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent auto theft.

Compare quotes for auto insurance

There are several ways you can shop for auto insurance and some are easier and takes less work. You could spend your day driving to insurance agencies in your area, or you could use the web for quick rates.

Most of the larger companies participate in an industry program that allows shoppers to enter their policy data once, and at least one company then gives them pricing determined by their information. This eliminates the need for quotation requests for each company. To access this free quoting program, click to open in new window.

One minor caviat to using this type of system is you don’t know exactly which providers to get pricing from. If you prefer to choose specific insurance companies to compare prices, we have assembled a list of the cheapest auto insurance companies in your area. Click to view list.

The method you choose is up to you, but do your best to enter identical coverage data on every price quote you get. If you have different deductibles it will be very difficult to determine the lowest rate for your Subaru XV Crosstrek. Having just a slight variation in coverages may cause a big price difference. Just remember that comparing all the rates in your area increases the change that you will find lower pricing.

Discounts to earn lower-cost insurance rates

Insurance is expensive, but there could be significant discounts that could drop your premiums quite a bit. Some trigger automatically when you purchase, but some may not be applied and must be specially asked for in order for you to get them.

  • Distant Student – Kids who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Paperless Signup – A few larger online companies will give a small break shop auto insurance on their website.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to buckle their seat belts may be able to save a few bucks off the personal injury premium cost.
  • Responsible Driver Discount – Accident-free drivers can save up to 40% or more on their auto insurance quote for XV Crosstrek coverage compared to rates paid by drivers with frequent claims.
  • Homeowners Discount – Owning a house can help you save on insurance due to the fact that maintaining a home requires personal responsibility.
  • Buy New and Save – Buying a new car instead of a used car can cost up to 25% less due to better safety requirements for new model year vehicles.
  • Anti-theft System – Cars with anti-theft systems help deter theft and qualify for as much as a 10% discount.

It’s important to note that many deductions do not apply to the entire cost. Most cut individual premiums such as liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, nobody gets a free ride. But all discounts should definitely cut your policy cost.

To view providers that have a full spectrum of discounts, follow this link.

Tailor your insurance coverage to you

When buying proper insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different.

Here are some questions about coverages that may help highlight if you could use an agent’s help.

  • Should I buy full coverage?
  • Am I getting all the discounts available?
  • When can I cancel my policy?
  • Do I have coverage when using my vehicle for my home business?
  • Why am I required to buy high-risk coverage?
  • Am I covered if hit by an uninsured driver?
  • How much liability do I need to cover my assets?
  • Can I drive in Mexico and have coverage?
  • Does my liability insurance cover pulling a trailer or camper?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form.

Car insurance coverages for a 2014 Subaru XV Crosstrek

Understanding the coverages of your insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Liability coverage

Liability insurance can cover injuries or damage you cause to a person or their property. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims like attorney fees, pain and suffering and repair costs for stationary objects. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Medical expense coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like X-ray expenses, doctor visits, chiropractic care and rehabilitation expenses. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your Subaru XV Crosstrek.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive protection

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from flooding, damage from getting keyed, falling objects, vandalism and theft. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage protection

Collision coverage covers damage to your XV Crosstrek from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a building, damaging your car on a curb, sustaining damage from a pot hole, colliding with another moving vehicle and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Shop around and save

Insureds switch companies for any number of reasons including high rates after DUI convictions, an unsatisfactory settlement offer, not issuing a premium refund or even poor customer service. It doesn’t matter why you want to switch finding a great new company is actually quite simple.

A few companies may not provide rates over the internet and many times these smaller providers only sell coverage through independent insurance agents. Cheaper 2014 Subaru XV Crosstrek insurance can be found on the web as well as from insurance agents, so compare prices from both to have the best rate selection.

When you buy auto insurance online, it’s a bad idea to reduce needed coverages to save money. In many instances, consumers will sacrifice collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to buy enough coverage at the best possible price, but do not skimp to save money.

More detailed insurance information can be read by following these links: