2018 Subaru WRX Insurance Rates

Buyers have options when searching for affordable Subaru WRX insurance. They can either waste time contacting agents trying to get quotes or leverage the internet to get rate quotes.

There are both good and bad ways to compare car insurance rates so we’re going to tell you the quickest way to get price quotes for a Subaru and get the best price possible either online or from local insurance agents.

This information will instruct you on how car insurance quotes work and some tips to save money. If you have car insurance now, you should be able to reduce your rates substantially using this information. Vehicle owners just need to learn how to get comparison rates over the internet.

How do car insurance companies determine Subaru WRX insurance prices?

The best way to find cheaper insurance coverage is to take a look at some of the elements that play a part in calculating your premiums. If you have a feel for what controls the rates you pay, this enables informed choices that can help you get lower insurance coverage prices. Multiple criteria are used in the calculation when you get your auto insurance bill. Some are pretty understandable such as your driving history, but other criteria are less obvious like your vehicle usage or your vehicle rating.

  • How do annual miles impact rates? – The higher the miles on your Subaru annually the more you will pay for insurance coverage. A lot of insurance companies rate vehicles based upon how you use the vehicle. Vehicles left parked in the garage can be on a lower rate level than vehicles that are driven to work every day. Having the wrong rating on your WRX may be costing you higher rates. It’s always a good idea to double check that your vehicle rating shows the correct usage for each vehicle, because it can save money.
  • Poor credit can mean higher rates – Having a good credit rating is likely to be a major factor in calculating your premium rate. If your credit is lower than you’d like, you could potentially save money when insuring your 2018 Subaru WRX if you improve your credit rating. Drivers who have good credit tend to file fewer claims as compared to drivers with lower credit scores.
  • Older drivers pay less – Drivers with little experience are statistically proven to be inattentive and easily distracted in a vehicle so insurance coverage rates are higher. More mature drivers are proven to be safer behind the wheel, tend to file fewer claims and get fewer tickets.
  • Men pay higher premiums – Statistics have proven that women are safer drivers than men. That doesn’t necessarily mean that women are better drivers. Men and women are in auto accidents at a similar rate, but the male of the species tend to have more serious accidents. In addition to higher claims, males also get cited for more serious violations like DUI and reckless driving. Young men ages 16 to 20 have the highest risk to insure and therefore have the most expensive insurance coverage rates.
  • Eliminate extra policy coverages – There are many additional extra coverages that may not really be needed if you don’t pay attention. Coverages like rental car coverage, towing, and motor club memberships may not be needed and are just wasting money. You may think they are a good idea initially, but your money might be better spent on other coverage so think about removing them and cutting costs.
  • Car and home together may be cheaper – Lots of insurance coverage companies give lower prices to clients who consolidate policies with them, otherwise known as a multi-policy discount. Discounts can add up to ten percent or more. If you currently are using one company, it’s always a smart idea to check prices from other companies to confirm you are receiving the best rates possible.
  • Married drivers pay less – Having a significant other may save some money on your policy. Having a spouse means you’re more stable financially and statistics show drivers who are married are more cautious.
  • Cheaper insurance coverage rates for prior coverage – Driving with no insurance is against the law and your next policy will cost more because you let your insurance lapse. Not only will you pay more, the inability to provide proof of insurance may earn you a hefty fine and possibly a revoked license. You will then be forced to prove you have insurance by filing a SR-22 with your state department of motor vehicles.

Compare insurance rates

Getting a cheap price on 2018 Subaru WRX insurance is an easy way to save money. You just need to take a few minutes comparing price quotes online with multiple companies. Rate comparisons can be done using a couple different methods.

The best way to find low rates is a comparison rater form click here to open form in new window. This type of form keeps you from doing separate forms for every company. Completing one form compares rates from multiple low-cost companies. This is by far the quickest method.

A different way to compare prices consists of going to each company’s website and get a separate price quote. For instance, let’s assume you need rates from State Farm, Safeco and Progressive. In order to get each rate, you would have to spend time on each company’s site and punch in your information repeatedly, and that explains why we recommend the first method. For a handy list of car insurance company links in your area, click here.

You can choose any of those ways to find more affodable coverage, but do your best to enter identical coverage limits and deductibles on every price quote you get. If you are comparing differing limits it will be nearly impossible to find the best deal for your Subaru WRX.

Why you might not save $415 a year

Consumers can’t ignore all the ads for cheaper insurance by companies like Allstate and Progressive. All the companies make an identical promise about how much you will save if you get a free insurance quote and switch to their company.

How does every insurance company charge less that you’re paying now?

Insurance companies offer their best rates for the type of customer that will not have excessive claims. One example of a desirable risk could be over the age of 40, has never had a policy lapse, and the vehicle is rated for pleasure use. Someone that matches those criteria receive the lowest rate quotes and will probably save a lot if they switch.

Insureds who cannot meet these standards will be charged a more expensive rate and ends up with the prospect going elsewhere. If you pay attention, the ads say “customers who switch” not “everyone that quotes” save the amount stated. That’s the way companies can truthfully state the savings.

Because of the profiling, you need to compare many company’s car insurance rates. It is impossible to guess which insurance company will fit your personal profile best.

Insurance coverage rates and discounts

Auto insurance companies do not advertise every possible discount in a way that’s easy to find, so we took the time to find a few of the more common and the more hidden discounts that you can inquire about if you buy insurance online.

  • Onboard Data Collection – People who choose to allow companies to spy on driving habits by installing a telematics device such as State Farm’s In-Drive could save a few bucks if they exhibit good driving behavior.
  • Service Members Pay Less – Having an actively deployed family member could mean lower rates.
  • Early Payment Discounts – If you pay your bill all at once as opposed to paying monthly you can avoid monthly service charges.
  • ABS Braking Discount – Cars, trucks, and SUVs with ABS and/or traction control prevent accidents and therefore earn up to a 10% discount.
  • Membership in Organizations – Joining a qualifying organization is a simple method to lower premiums when getting a insurance quote.
  • Safety Restraint Discount – Using a seat belt and requiring all passengers to fasten their seat belts can save a little on the medical payments or PIP coverage costs.
  • Homeowners Pay Less – Just owning your own home may earn you a small savings since owning and maintaining a home requires personal responsibility.

Don’t be shocked that some credits don’t apply to your bottom line cost. A few only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like adding up those discounts means a free policy, insurance coverage companies aren’t that generous.

A few popular companies and the discounts they provide are shown below.

  • 21st Century may include discounts for driver training, good student, theft prevention, 55 and older, anti-lock brakes, and defensive driver.
  • Progressive may have discounts that include good student, online quote discount, homeowner, continuous coverage, online signing, and multi-policy.
  • State Farm may offer discounts for driver’s education, Steer Clear safe driver discount, good driver, defensive driving training, and accident-free.
  • Nationwide offers premium reductions for accident-free, Farm Bureau membership, family plan, business or organization, and good student.
  • Esurance discounts include good driver, renters, safety device, emergency road assistance, defensive driver, online quote, and online shopper.
  • The Hartford has savings for anti-theft, vehicle fuel type, defensive driver, bundle, driver training, good student, and air bag.

If you are trying to find cheaper insurance quotes, ask all companies you are considering how you can save money. A few discounts might not be available to policyholders in your state.

Situations that may require an agent’s advice

When buying the right insurance coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions can aid in determining whether your personal situation will benefit from professional help.

  • How high should my uninsured/underinsured coverage be in my state?
  • Do I need replacement cost coverage on my 2018 Subaru WRX?
  • Does coverage extend to a rental car in a foreign country?
  • Am I covered if my car is in a flood?
  • What is covered by UM/UIM coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my Subaru WRX covered if I use it for business?
  • Do I have coverage when making deliveries for my home business?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Auto insurance coverage information

Understanding the coverages of car insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like funeral costs, doctor visits, dental work and pain medications. They are utilized in addition to your health insurance plan or if you do not have health coverage. It covers both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision protection

This coverage will pay to fix damage to your WRX resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sustaining damage from a pot hole, colliding with a tree, hitting a parking meter, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your 2018 Subaru WRX.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability car insurance

This will cover damage or injury you incur to other’s property or people in an accident. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as loss of income, legal defense fees, repair bills for other people’s vehicles, bail bonds and structural damage. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a bird, fire damage and hail damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

At the end of the day…

People who switch companies do it for a number of reasons such as poor customer service, extreme rates for teen drivers, policy cancellation and even denial of a claim. Whatever your reason, choosing a new company is less work than it seems.

Affordable 2018 Subaru WRX insurance can be found both online and from local agencies, and you need to price shop both to have the best chance of lowering rates. Some insurance companies do not provide online quoting and many times these smaller companies sell through local independent agencies.

When buying insurance coverage, make sure you don’t sacrifice coverage to reduce premiums. In many cases, an insured dropped liability coverage limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your objective should be to get the best coverage possible for the lowest cost while not skimping on critical coverages.

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