View 2020 Subaru BRZ Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 8, 2024

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Looking for cheaper auto insurance rates for your Subaru BRZ? Finding cheaper insurance quotes online can be a challenge if you have never used online quoting. Don’t worry though because finding lower prices is actually fairly simple.

It is always a good idea to do rate comparisons occasionally because prices go up and down regularly. Just because you had the best rates for BRZ insurance a few years ago you will most likely find a better rate quote today. There is lot of inaccurate information about auto insurance online, but you can learn some good information on how to lower your auto insurance premiums.

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. Finding the lowest cost insurance coverage is quite easy. But vehicle owners do need to understand how insurance companies sell online and apply this information to your search.

Cheapest car insurance rate quotes

Most companies allow consumers to get price estimates directly from their websites. The process can be done by anyone as you simply type in your coverage preferences as requested by the quote form. When the form is submitted, their system will obtain your driving and credit reports and returns a price quote based on the data you entered.

This simplifies rate comparisons, but the work required to visit different websites and type in the same information can be a bit tiresome and repetitive. But it is imperative to get many rate quotes in order to get a lower rate.

The easy way to compare rates

A less time-consuming method to find lower prices uses one simple form that analyzes rates from multiple companies. It saves time, requires less work, and makes online quotes much more enjoyable and efficient. After sending the form, it gets priced with multiple companies and you can pick any of the quotes that you receive.

If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. It can be completed in less than 10 minutes and may result in a nice savings.

To compare rates now, simply enter your zip code here and complete the simple form. If you currently have coverage, we recommend you copy identical to your current policy. This helps ensure you will have comparison quotes for exact coverage.

How you can control Subaru BRZ insurance premiums

Many things are part of the calculation when quoting car insurance. Some are pretty understandable such as traffic violations, but others are less apparent like where you live or your vehicle rating. One of the most helpful ways to save on car insurance is to to have a grasp of the rating factors that help determine the rates you pay for car insurance. If you have a feel for what impacts premium levels, this enables informed choices that can earn you big savings.

The factors shown below are some of the most rate-impacting factors companies use to determine premiums.

  • Your address can influence premiums – Living in a small town may provide you with better prices when it comes to car insurance. Less people living in that area means less chance of accidents in addition to fewer liability claims. City drivers tend to have more traffic problems and higher rates of accident claims. Longer commute distances can result in more accidents.
  • Gender and auto insurance prices – Over time, data shows women tend to be less risk to insure than men. This data doesn’t prove that males are worse at driving than females. Males and females have at-fault accidents in similar percentages, but the males cause more damage. Not only that, but men also get more serious tickets such as reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Liability risk factors in – Your policy’s liability coverage will protect you when a court rules you are at fault for damages from an accident. This coverage provides legal defense coverage which can be incredibly expensive. Liability is cheap when compared to the cost of physical damage coverage, so do not cut corners here.
  • Tickets and citations cost more than a fine – How you drive can have a huge impact on auto insurance premiums. Good drivers have lower premiums as compared to those with violations. Even one speeding ticket can increase the cost of insurance by as much as twenty percent. People who have dangerous violations like DUI or willful reckless driving are required to maintain a SR-22 with their state motor vehicle department in order to prevent a license revocation.
  • Marriage pays dividends – Having a spouse may save some money on your car insurance bill. Having a significant other translates into being less irresponsible and statistics prove married drivers tend to file fewer claims.

Cheap insurance coverage quotes with discounts

Companies don’t list every policy discount in a way that’s easy to find, so the list below gives a summary of a few of the more well known as well as the least known credits available to lower your premiums when you buy insurance online.

  • Discount for Multiple Policies – If you have multiple policies and insure them with the same company you could save over 10 percent off each policy depending on the company.
  • One Accident Forgiven – Not really a discount, but a few companies such as Progressive, Allstate, and GEICO will allow you to have one accident before raising your premiums if you are claim-free for a particular time prior to the accident.
  • Buy New and Save – Buying a new car instead of a used car can be considerably cheaper since new vehicles have better safety ratings.
  • Multi-Vehicle Discounts – Insuring all your vehicles on one policy qualifies for this discount.
  • Anti-theft System – Vehicles optioned with advanced anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Most only cut the cost of specific coverages such as medical payments or collision. Just because you may think adding up those discounts means a free policy, it’s just not the way it works. Any qualifying discounts will positively reduce your overall premium however.

A list of insurance coverage companies and a partial list of their discounts are:

  • State Farm offers premium reductions for multiple autos, student away at school, safe vehicle, passive restraint, and good driver.
  • Liberty Mutual policyholders can earn discounts including new vehicle discount, hybrid vehicle, new move discount, new graduate, preferred payment discount, and newly married.
  • American Family may offer discounts for Steer into Savings, bundled insurance, good driver, multi-vehicle, good student, and early bird.
  • Progressive discounts include homeowner, multi-policy, multi-vehicle, good student, online signing, continuous coverage, and online quote discount.
  • Farmers Insurance offers discounts including pay in full, mature driver, electronic funds transfer, youthful driver, distant student, business and professional, and teen driver.
  • Auto-Owners Insurance has discounts for safe driver, air bags, safe vehicle, group or association, anti-lock brakes, and student away at school.
  • SAFECO includes discounts for anti-theft, teen safety rewards, homeowner, accident prevention training, safe driver, teen safe driver, and drive less.

If you need cheap insurance quotes, ask all the companies to give you their best rates. Some credits may not apply to policyholders everywhere. If you would like to view insurance companies with significant discounts, enter your zip code here.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover if your situation could use an agent’s help.

  • What happens if I owe more than my 2020 Subaru BRZ is worth?
  • Is my camper covered by my car insurance policy?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is business equipment covered while in my vehicle?
  • Do I have newly-acquired coverage?
  • Should I put collision coverage on all my vehicles?
  • Should I have a commercial auto policy?
  • Why do I need rental car insurance?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and enter your zip code.

Car insurance coverages for a Subaru BRZ

Knowing the specifics of your policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

UM/UIM Coverage – This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your Subaru BRZ.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Medical costs insurance – Med pay and PIP coverage pay for bills such as nursing services, EMT expenses, funeral costs, chiropractic care and rehabilitation expenses. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as rock chips in glass, vandalism and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage – Collision coverage covers damage to your BRZ from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as rolling your car, driving through your garage door, crashing into a ditch, colliding with another moving vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Liability insurance – This will cover damage or injury you incur to other’s property or people in an accident. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values 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 $50,000 of coverage for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as emergency aid, legal defense fees, repair bills for other people’s vehicles and funeral expenses. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Feed the piggy bank

Budget-conscious 2020 Subaru BRZ insurance can be purchased both online and with local insurance agents, and you need to comparison shop both to have the best rate selection. Some car insurance companies may not have online price quotes and many times these small insurance companies prefer to sell through independent insurance agencies.

You just learned a lot of information how to reduce 2020 Subaru BRZ insurance rates online. The most important thing to understand is the more companies you get auto insurance rates for, the better likelihood of getting the cheapest insurance. Consumers could even find that the best rates are with a company that doesn’t do a lot of advertising.

Insureds change insurance companies for a variety of reasons including lack of trust in their agent, policy non-renewal, not issuing a premium refund and policy cancellation. Whatever your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

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