Subaru WRX Insurance Rates

You have lots of choices when trying to insure your Subaru vehicle. You can either buy through an agent or shop online to compare insurance costs of car insurance companies. Finding cheaper car insurance from online rate quotes is easy and at the same time you can save money.

Consumers who are new to the process of comparison shopping may think purchasing cheap Subaru WRX insurance is more work than they want to put in. There are several ways to compare rate quotes from different insurance companies. The quickest method to find the cheapest Subaru WRX insurance quotes is to perform an online rate comparison. It is quite easy and can be accomplished by getting a quick quote here.

What factors impact your insurance rates?

Car insurance premiums for a Subaru WRX can vary widely based upon several criteria. Taken into consideration are:

The performance level of your WRX
Any accidents you may have
Home/auto policy bundles save money
Use of your vehicle
Special coverage such as replacement cost
Your occupation
The level of coverage
Whether you rent or own your home

An additional factor which can affect Subaru WRX insurance rates is the year of the vehicle. Models that are a few years old have a reduced actual cash value than newer models so repair costs tend to be lower which will push premiums down. Conversely, new Subaru models may have safety features such as adaptive cruise control, a collision avoidance system, autonomous braking, and an advanced theft deterrent system which can help offset higher rates.

To get a better idea how much rates will be for your vehicle, select the year of your WRX from available model years below.

Liability insurance

Liability insurance provides protection from damages or injuries you inflict on other people or property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so you should buy higher limits if possible.

Collision coverage

This pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder. Subaru WRX collision insurance is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other drivers when they either have no liability insurance or not enough. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. PIP is not universally available and may carry a deductible.

How Much are Subaru WRX Insurance Rates?