How Much Does 2017 Subaru WRX Car Insurance Cost?

Searching for the cheapest insurance coverage rates for your Subaru WRX? Locating the cheapest insurance for a Subaru WRX could be a lot of work, but you can learn these tips to make it easier. There are both good and bad ways to compare insurance coverage rates so you’re going to learn the best way to price shop coverage for a Subaru and get the lowest possible price either online or from local insurance agents.

How to compare insurance price quotes

Finding a lower price on 2017 Subaru WRX insurance is a great way to save money. You just have to invest a few minutes to compare free auto insurance quotes provided by online insurance companies. It’s really simple and can be done using one of these methods.

Experts agree that the best way to get quotes is a comparison rater form click to view form in new window. This type of form eliminates the need for repetitive form entry for every company. A single form gets coverage cost estimates from many national carriers. It’s definitely the quickest method.

A more difficult way to find better pricing requires a trip to the website of each company and get a separate price quote. For example, let’s assume you want rates from State Farm, Liberty Mutual and Farmers. To find out each rate you need to navigate to each company’s site to enter your coverage information, which is why first method is reommended.

For a list of companies in your area, click here.

It doesn’t matter which method you choose, just be sure you’re using equivalent coverages for every company. If your comparisons have different coverage information it’s not possible to get a fair rate comparison.

Insurance coverage can get complicated

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

For example, these questions might help in determining if you might need professional guidance.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Can I rent a car in Mexico?
  • How can I get high-risk coverage after a DUI?
  • What is the minimum liability in my state?
  • What are the best liability limits?
  • Do I benefit by insuring my home with the same company?
  • If I drive on a suspended license am I covered?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I need roadside assistance coverage?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Learn about car insurance coverages for a Subaru WRX

Knowing the specifics of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as falling objects, vandalism, a broken windshield and damage from flooding. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability – Liability coverage protects you from damages or injuries you inflict on other people or property that is your fault. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers things like legal defense fees, attorney fees, loss of income and medical services. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Collision – Collision coverage pays for damage to your WRX resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with another moving vehicle, backing into a parked car, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

UM/UIM Coverage – This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2017 Subaru WRX.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as chiropractic care, funeral costs and ambulance fees. 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 in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay