View 2017 Subaru BRZ Insurance Cost

Trying to find cheaper car insurance rates for your Subaru BRZ? There isn’t anyone who enjoys paying for car insurance, especially when they are aware that they could lower their rates if they shopped around. Many insurers vie for your insurance dollar, and it can be difficult to compare rates to get the best price available.

You should make it a habit to get comparison quotes before your policy renews because prices go up and down regularly. Even if you think you had the lowest price on BRZ insurance at your last renewal other companies may now be cheaper. You’ll find a ton of advice on car insurance out there, but by reading this article, you’re going to learn some guaranteed methods to slash your car insurance rates.

Earn discounts on insurance coverage

Insurance coverage is easily one of your largest bills, but there are discounts available that can dramatically reduce your bill. A few discounts will be applied at quote time, but a few need to be asked about in order for you to get them.

  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle up before driving could save 15% on the medical payments or PIP coverage costs.
  • Full Payment Discount – By paying your entire bill at once instead of paying each month you could save up to 5%.
  • Discount for Low Mileage – Low mileage vehicles could earn discounted rates on garaged vehicles.
  • Theft Deterent – Vehicles with anti-theft systems have a lower chance of being stolen and will qualify for a discount on a insurance coverage quote.
  • Save with a New Car – Putting insurance on a new car can cost up to 25% less because new model year vehicles have to meet stringent safety requirements.
  • Discount for Passive Restraints – Vehicles with factory air bags or automatic seat belts can get savings of 20 to 30 percent.

Discounts lower rates, but most credits do not apply the the whole policy. Most only apply to the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, that’s just not realistic.

A few of the larger companies and their offered discounts can be found below.

  • State Farm offers discounts including good driver, anti-theft, Drive Safe & Save, good student, student away at school, Steer Clear safe driver discount, and multiple autos.
  • Progressive discounts include online signing, online quote discount, continuous coverage, multi-policy, homeowner, multi-vehicle, and good student.
  • Progressive offers discounts for multi-vehicle, online quote discount, good student, online signing, homeowner, multi-policy, and continuous coverage.
  • MetLife may include discounts for good student, defensive driver, accident-free, claim-free, multi-policy, good driver
  • Farm Bureau may offer discounts for safe driver, multi-vehicle, multi-policy, 55 and retired, and youthful driver.
  • GEICO may have discounts that include seat belt use, anti-lock brakes, daytime running lights, air bags, federal employee, and military active duty.
  • SAFECO has savings for multi-car, anti-theft, accident prevention training, anti-lock brakes, homeowner, teen safe driver, and teen safety rewards.

If you need low cost insurance coverage quotes, ask every prospective company to apply every possible discount. Some discounts listed above might not be offered in your area.

Five tips to get more affordable insurance premiums

One of the most helpful ways to save on insurance is to to have a grasp of some of the elements that play a part in calculating the rates you pay for insurance. When consumers understand what determines base rates, this empowers consumers to make smart changes that can earn you much lower annual insurance costs.

  • More people means more accidents – Being located in a small town is a positive aspect if you are looking for the lowest rates. City drivers have congested traffic and higher rates of accident claims. Fewer people means reduced accidents.
  • Cheaper to insure women? – Statistics demonstrate that women are safer drivers than men. It does not mean females are better at driving than males. Both sexes cause fender benders at a similar rate, but men get into accidents with more damage. In addition to higher claims, males also get cited for more serious violations such as reckless driving.
  • Do safer cars cost less to insure? – Vehicles with high crash test scores can get you lower premiums. Vehicles built for safety result in less severe injuries and reduced instances of injuries means lower claim amounts which can mean better rates for you. If your Subaru BRZ is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Do you save by driving less? – Driving a lot of miles in a year’s time the more you will pay for insurance. Almost all companies price each vehicle’s coverage based upon how the vehicle is primarily used. Cars used primarily for pleasure use receive lower rates than vehicles that are driven to work every day. Incorrect rating for your BRZ can cost quite a bit. Double check that your insurance declarations sheet properly reflects the proper vehicle usage.
  • Don’t abuse insurance claims – If you tend to file frequent claims, you can expect much higher rates or policy non-renewal. Car insurance companies give lower rates to policyholders who file claims infrequently. Auto insurance is designed for claims that pose a financial burden.

Tailor your car insurance coverage to you

When buying proper insurance coverage for your vehicles, there is no single plan that fits everyone. Everyone’s needs are different so this has to be addressed. These are some specific questions might point out if you may require specific advice.

  • Is a blown tire covered by insurance?
  • Should I put collision coverage on all my vehicles?
  • Do I need replacement cost coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • How high should deductibles be on a 2017 Subaru BRZ?
  • Does my personal policy cover me when driving out-of-state?
  • Do I need medical payments coverage since I have good health insurance?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Well known brands might not be cheapest

Consumers can’t get away from ads for auto insurance savings by companies like GEICO, State Farm and Progressive. All the ads state the claim of big savings just by moving your policy.

But how can every company give you a better price? It’s all in the wording.

Most companies can use profiling for the type of driver that earns them the highest profit. For instance, this type of risk profile may need to be over the age of 50, has never had a claim, and drives less than 5,000 miles a year. A customer getting a price quote that hits that “sweet spot” will get the preferred car insurance rates and will most likely save quite a bit of money when switching.

Insureds who are not a match for these standards may be forced to pay higher rates with the end result being the driver buying from a lower-cost company. If you listen closely, the ads state “people who switch” not “everyone who quotes” save that much. That’s the way insurance companies can confidently make the claims of big savings. This illustrates why you really need to compare many company’s rates. Because you never know which insurance companies will have the lowest rate quotes.

Car insurance 101

Having a good grasp of a auto insurance policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are typical coverages found on the average auto insurance policy.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for expenses such as ambulance fees, EMT expenses, surgery, doctor visits and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Subaru BRZ.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision – This covers damage to your BRZ from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like colliding with another moving vehicle, colliding with a tree, rolling your car, hitting a mailbox and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive protection – Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a deer, damage from getting keyed, a tree branch falling on your vehicle and hitting a bird. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability insurance – This coverage protects you from damage or injury you incur to people or other property in an accident. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like structural damage, medical expenses, repair costs for stationary objects, bail bonds and legal defense fees. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Be a penny pincher

Throughout this article, we presented some good ideas how to save on 2017 Subaru BRZ insurance. The most important thing to understand is the more companies you get prices for, the higher the chance of saving money. You may even find the best price on insurance coverage is with some of the lesser-known companies. Smaller companies may only write in your state and offer lower prices than their larger competitors like Progressive or GEICO.

As you prepare to switch companies, never sacrifice coverage to reduce premiums. There are many occasions where someone dropped physical damage coverage and learned later they didn’t purchase enough coverage. Your strategy should be to buy a smart amount of coverage at the lowest possible cost, but do not skimp to save money.

Much more information about insurance coverage is available below: