2017 Subaru Crosstrek Insurance Quotes

No car owner is fond of buying auto insurance, especially knowing their premiums are too high.

You have multiple insurers to purchase coverage from, and although it’s nice to have a choice, more options can take longer to compare rates.

You need to price shop coverage yearly because rates are adjusted regularly by insurance companies. Just because you had the lowest premium rates on Crosstrek coverage a year ago there is a good chance you can find better prices now. Forget anything you know (or think you know) about auto insurance because you’re going to learn how to use the internet to reduce your cost while increasing coverage.

Get cheaper insurance coverage with discounts

Companies that sell car insurance do not list every discount very clearly, so we researched some of the more common and also the lesser-known discounts that you can inquire about if you buy auto insurance online.

  • Government Employees – Simply working for the federal government could provide a small rate reduction on Crosstrek coverage but check with your company.
  • Passenger Safety Discount – Factory air bags or motorized seat belts could see savings of 20% or more.
  • Theft Deterent System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and will save you 10% or more.
  • Discount for Swiching Early – A few insurance companies offer discounts for switching to them before your current policy expires. It’s a savings of about 10%.
  • Student Discounts – This discount can earn a discount of 20% or more. Most companies allow this discount up until you turn 25.
  • Own a Home – Just being a homeowner can help you save on insurance coverage because it requires personal responsibility.

It’s important to understand that some credits don’t apply to the entire policy premium. Most only apply to the cost of specific coverages such as comp or med pay. So when the math indicates you can get free auto insurance, companies don’t profit that way.

Insurance companies who may offer some of the discounts shown above possibly include:

When comparing rates, check with each company or agent the best way to save money. A few discounts may not apply in your area. If you would like to see a list of insurance coverage companies who offer free insurance coverage quotes, follow this link.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. For example, these questions might help in determining whether you may require specific advice.

  • Are my tools covered if they get stolen from my vehicle?
  • Why am I required to buy high-risk coverage?
  • Does my personal policy cover me when driving out-of-state?
  • When can I cancel my policy?
  • Are my friends covered when driving my 2017 Subaru Crosstrek?
  • Which is better, split liability limits or combined limits?
  • Why am I be forced to buy a membership to get insurance from some companies?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Insurance coverage in the media

Respected companies like 21st Century, Allstate and State Farm seem to constantly run television, radio, and online ads. All the companies state the claim of big savings after switching your coverage to them. How does every company offer you a better deal? It’s all in the wording.

Insurance companies quote their best rates for a prospective insured that will add to their bottom line. An example of a desirable insured might have to be over the age of 45, has never had a claim, and drives a vehicle with a low ISO rating. Anyone who matches those parameters will get the preferred prices and will probably save if they switch.

Potential customers who fall short of this stringent profile will have to pay a more expensive rate and this can result in business going elsewhere. The ad wording is “people who switch” not “everybody who quotes” save that much when switching. This is how insurance companies can confidently advertise the savings. Each company has different criteria, so you absolutely need to do a rate comparison at every renewal. It’s just too difficult to predict with any certainty which company will have the best prices at this point in time.

Specific coverage details

Learning about specific coverages of your car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most car insurance policies.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as ambulance fees, rehabilitation expenses and hospital visits. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, damage from getting keyed, a broken windshield, vandalism and rock chips in glass. The highest amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision insurance

Collision insurance will pay to fix damage to your Crosstrek resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as driving through your garage door, damaging your car on a curb, sustaining damage from a pot hole, hitting a parking meter and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage to your Subaru Crosstrek.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Coverage for liability

Liability coverage will cover damage that occurs to people or other property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for 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. Your policy might show policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for things such as medical services, repair costs for stationary objects, emergency aid and medical expenses. How much coverage you buy is your choice, but you should buy as large an amount as possible.

The best insurance company isn’t always the cheapest

We just presented quite a bit of information on how to shop for 2017 Subaru Crosstrek insurance online. The key thing to remember is the more providers you compare, the better your chances of lowering your prices. You may be surprised to find that the most savings is with the smaller companies. These companies may have significantly lower prices on certain market segments than the large multi-state companies such as Allstate and Progressive.

A few companies do not offer rate quotes online and many times these smaller providers sell through independent agents. Lower-priced insurance coverage can be purchased from both online companies in addition to many insurance agents, so you should be comparing quotes from both to get a complete price analysis.

When getting auto insurance quotes online, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many situations where someone dropped comprehensive coverage or liability limits only to regret that the small savings ended up costing them much more. Your goal is to buy the best coverage you can find for the lowest price and still be able to protect your assets.

More tips and info about insurance coverage can be found at these sites: