Compare 2016 Subaru Crosstrek Car Insurance Cost in 2024

Finding better insurance prices for your Subaru Crosstrek could be a painful process, but you can follow a few tricks and make it easy. There is a right way and a wrong way to buy insurance and we’ll show you the absolute fastest way to get price quotes for a new or used Subaru and find the lowest possible price.

It’s important to take a look at other company’s rates before your policy renews because prices trend upward over time. If you had the best deal for Crosstrek insurance two years ago a different company probably has better rates today. Forget anything you know (or think you know) about insurance because you’re about to learn the best methods to find lower rates on insurance.

Finding the best rates is quite easy. If you have a policy now or are looking for a new policy, you can use these tips to reduce the price you pay and possibly find even better coverage. Vehicle owners just need to know the most efficient way to compare company rates online.

Shop insurance online

Getting a cheaper price on 2016 Subaru Crosstrek insurance is actually quite simple. Drivers just need to spend a few minutes on the computer to compare free auto insurance quotes online with multiple companies. Insurance prices can be quoted using one of these methods.

1. The simplest way to find the lowest comparison rates is an all-inclusive rate comparison. This easy form keeps you from doing separate forms for each company. In just a few minutes this one form gets coverage cost estimates from all major companies. It’s the fastest way to compare.
2. Another way to find better pricing requires a visit to the website for every company you want to compare and fill out their own quote form. For sake of this example, let’s assume you need rates from Nationwide, Farmers and Travelers. In order to compare rates, you need to visit each site and type in your information over and over, which is why the first method is more popular.
3. The least recommended way to price shop rates is to spend time driving to different agent offices. Buying insurance online eliminates this option unless you want the trained advice of a licensed agent. However, consumers can price shop online and have a local agent actually service the policy.

Whichever way you choose to compare rates, make sure you compare the same quote information for each quote you get. If you compare different data it will be impossible to determine which company has the best rates.

Save 15 percent in 15 minutes? Is it for real?

Consumers get pounded daily by advertisements for cheaper auto insurance from companies such as State Farm and Allstate. They all advertise the message that drivers can save some big amount after switching your coverage.

How does each company offer drivers better rates? Just pay attention to how they say it.

Insurance companies give the cheapest rates for the type of driver that will not have excessive claims. One example of a preferred risk may be over age 30, has other policies, and chooses high deductibles. Any customer who fits those characteristics receive the lowest rate quotes and have a good chance to save quite a bit of money when switching.

Consumers who are not a match for these criteria will probably have to pay a more expensive rate and this can result in the customer not purchasing. The wording the ads use say “customers that switch” not “everybody who quotes” save money. That is how companies can truthfully make those claims. This emphasizes why you really need to get price quotes at each policy renewal. It’s not possible to predict which insurance companies will have the best car insurance rates for your profile.

Why smart consumers pay less for Subaru Crosstrek insurance

Lots of things are part of the equation when pricing auto insurance. Some factors are common sense such as traffic violations, but other factors are less obvious like your continuous coverage or how safe your car is.

• Teenagers are high risk – More experienced drivers are more cautious drivers, are lower risk to insure . Drivers with little experience have a tendency to be more careless when driving so they pay higher insurance rates.
• Frequent insurance claims increase insurance rates – If you’re an insured who likes to file claims you can look forward to either policy cancellation or increased premiums. Car insurance companies generally give better rates to policyholders that do not abuse their auto insurance. Auto insurance is intended to be relied upon for claims that pose a financial burden.
• Prevent your car from being stolen – Choosing a vehicle with advanced anti-theft systems can get you a discount on your insurance. Theft deterrent systems like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent your vehicle from being stolen.
• Save by driving less – The more miles you rack up on your Subaru each year the higher the price you pay to insure it. Almost all companies price each vehicle’s coverage based on how the vehicle is used. Cars and trucks that are left in the garage can get a lower rate than those used for commuting. Verify your policy properly reflects the right rating data. Incorrect rating for your Crosstrek may be wasting your money.
• Eliminate extra coverages – Insurance companies have many extra bells and whistles that you can buy if you aren’t diligent. Things like roadside assistance, better glass coverage, and additional equipment coverage may be costing you every month. They may seem good at first, but if you don’t need them think about removing them and cutting costs.
• Higher physical damage deductibles cost less – Physical damage protection, also called ‘full coverage’, is used to repair damage to your vehicle. Some examples of covered claims would be a broken side mirror, flood damage, and damage caused by flying debris. Physical damage deductibles define the amount the insured will be required to pay if you file a covered claim. The larger the amount the insured is willing to pay, the less your insurance will be for Crosstrek insurance.

Slash your insurance coverage rates with discounts

Not too many consumers would say insurance coverage is affordable, but there could be available discounts that can help lower your rates. A few discounts will be applied at the time of purchase, but occasionally some discounts must be asked about before you get the savings.

• Renewal Discounts – Select insurance coverage companies give a discount for switching to them early. You could save around 10% when you buy auto insurance online.
• Multi-car Discount – Drivers who insure multiple cars on the same insurance coverage policy can get a discount for every vehicle.
• Own a Home and Save – Owning a home can get you a discount because owning a home requires a higher level of personal finance.
• Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education in school or through a local driver safety program.
• Theft Prevention System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
• Good Driver Discounts – Insureds who avoid accidents can pay as much as 50% less for Crosstrek insurance as compared to drivers with claims.

Drivers should understand that many deductions do not apply to the whole policy. Some only apply to the cost of specific coverages such as comprehensive or collision. Just because you may think adding up those discounts means a free policy, you won’t be that lucky.

To see a list of insurance companies that provide some of the discounts listed above, enter your zip code here.

You are unique and your insurance should be too

When choosing coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s needs are different.

For example, these questions can aid in determining if your insurance needs would benefit from professional advice.

• Will I be non-renewed for getting a DUI or other conviction?
• Is extra glass coverage worth it?
• Should I get collision insurance on every vehicle?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Do I need more liability coverage?
• Do I need roadside assistance coverage?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete your zip code. It only takes a few minutes and can help protect your family.

Detailed coverages of your insurance policy

Learning about specific coverages of your insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, falling objects and hitting a deer. The most a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability

This provides protection from damage that occurs to other’s property or people. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for claims such as repair costs for stationary objects, attorney fees and legal defense fees. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Auto collision coverage

This coverage will pay to fix damage to your Crosstrek resulting from a collision 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 pays for things like damaging your car on a curb, hitting a parking meter and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Subaru Crosstrek.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for expenses for funeral costs, rehabilitation expenses, pain medications, nursing services and chiropractic care. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Don’t break the bank

You just learned a lot of tips how to shop for 2016 Subaru Crosstrek insurance online. The key concept to understand is the more times you quote, the better chance you’ll have of finding the cheapest auto insurance. Drivers may discover the biggest savings come from some of the smallest insurance companies.

When trying to cut insurance costs, don’t be tempted to sacrifice coverage to reduce premiums. There are a lot of situations where drivers have reduced uninsured motorist or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your strategy should be to purchase a proper amount of coverage at the best price, but don’t skip important coverages to save money.

Discount 2016 Subaru Crosstrek insurance can be sourced both online in addition to many insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers don’t offer internet price quotes and these smaller companies work with independent insurance agencies.