2016 Subaru BRZ Car Insurance Rates – 10 Tips for Best Quotes

Consumers have many options when looking for affordable Subaru BRZ insurance. They can either spend hours driving around trying to get quotes or utilize the internet to get rate quotes.

There is a better way to find car insurance online so you’re going to learn the absolute fastest way to get price quotes for a Subaru and obtain the lowest price from local insurance agents and online providers.

How to get auto insurance quotes

There are a lot of ways you can shop for auto insurance and some are more efficient than others. You can waste hours talking to local insurance agents in your area, or you can stay home and use the web to get pricing more quickly.

Most of the best insurance companies take part in a program where prospective buyers submit one quote, and at least one company then gives them pricing determined by their information. This system prevents you from having to do quote forms for every auto insurance company.

To find out how much you’re overpaying now click here (opens in new window).

The only downside to getting quotes like this is you don’t know exactly the providers to receive prices from. So if you want to choose individual companies to compare, we have assembled a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, make sure you use equivalent coverage information on every quote you get. If each company quotes different coverage information you will not be able to truly determine the lowest rate.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining if your insurance needs might need professional guidance.

  • Should I bundle my homeowners policy with my auto?
  • Am I better off with higher deductibles on my 2016 Subaru BRZ?
  • Am I covered when pulling a rental trailer?
  • Am I covered if I hit a deer?
  • Does insurance cover damages from a DUI accident?
  • Does my policy pay for OEM or aftermarket parts?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Coverages available on your policy

Understanding the coverages of your policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and also any damage incurred to your Subaru BRZ.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Liability coverages

This coverage will cover injuries or damage you cause to people or other property that is your fault. This coverage protects you against other people’s claims, and 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. You commonly see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like court costs, medical expenses, repair costs for stationary objects and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a building, colliding with a tree and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like surgery, doctor visits, nursing services, rehabilitation expenses and EMT expenses. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverages

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, falling objects, hitting a deer and hail damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.