Compare 2020 Subaru Crosstrek Car Insurance Quotes in 2024

Buyers have options when searching for affordable Subaru Crosstrek insurance. You can either spend your time driving around trying to get quotes or leverage the internet to make rate comparisons.

There is a better way to buy insurance so we’re going to tell you the absolute fastest way to get price quotes for a new or used Subaru and get the lowest possible price from local insurance agents and online providers.

It’s a great practice to compare premium rates yearly since prices go up and down regularly. Just because you had the best deal on Crosstrek insurance a few years ago you may be paying too much now. There are a lot of ways to save on insurance on the internet, but in a few minutes you can learn the best ways to lower your insurance rates.

Compare auto insurance rate quotes

Reducing your 2020 Subaru Crosstrek insurance rates is pretty simple and can save money. All you need to do is spend a few minutes on the computer comparing rate quotes provided by online insurance companies. This can be accomplished using one of these methods.

• Hands down the most simple method to find low rates is to use a rate comparison form. This type of form prevents you from having to do boring form submissions for every company. Completing one form gets insurance cost estimates from many national carriers. It’s definitely the quickest method.
• A different way to find more affordable insurance requires visiting each company website and fill out their own quote form. For sake of this example, we’ll pretend you want to get rates from Liberty Mutual, State Farm and Allstate. To find out each rate you need to navigate to each company’s site to enter your coverage information, which explains why we recommend starting with the first method.

The approach you take is up to you, just double check that you are using exactly the same coverages with each company. If your comparisons have differing limits you can’t possibly determine the lowest rate for your Subaru Crosstrek.

Do insurance companies bend the truth?

Drivers constantly see and hear ads that promise big savings by Progressive, Allstate and GEICO. All the ads make the point about how much you will save if you change your coverage.

How can each company give you a better price? Just pay attention to how they say it.

All the different companies offer their best rates for the type of driver that will add to their bottom line. For example, this type of driver might have to be between the ages of 30 and 50, has had continuous coverage, and drives a safe vehicle. A customer that fits those parameters receives the best car insurance rates and as a result will probably cut their rates substantially.

Potential customers who fall outside these criteria will see higher prices and this can result in business not being written. Company advertisements say “drivers that switch” not “everyone who quotes” will save that much if they switch. That’s the way insurance companies can make claims like that.

Because of these techniques, you need to get insurance coverage quotes from several different companies. You cannot predict which insurance companies will provide you with the cheapest premium rates.

Smart consumers can cut their insurance premiums

It’s important that you understand a few of the rating criteria that play a part in calculating the level of your policy premiums. If you know what controls the rates you pay, this enables you to make decisions that can earn you cheaper rates. Many factors are part of the equation when premium rates are determined. Some factors are common sense such as your driving record, but other criteria are not quite as obvious such as your credit history and annual miles driven.

The items below are some of the things used by your company to calculate prices.

• Combine home and auto and save – Lots of companies will give discounts to customers that purchase more than one policy in the form of a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even with this discount applied, it’s still a good idea to shop around to help guarantee you have the best rates. Drivers may still save more without the discount by insuring with multiple companies.
• Your car’s features help determine insurance rates – Driving a car with advanced anti-theft systems can help lower your rates. Advanced theft deterrents such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft and help bring rates down.
• Limits of liability insurance – Liability coverage provides coverage in the event that you are found to be at fault for damages caused by your negligence. It will provide legal defense coverage starting from day one. Liability insurance is quite affordable compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
• Rural vs Urban Areas – Residing in a rural area can save you money when trying to find low car insurance rates. Urban drivers have to deal with more aggressive driving styles and longer commutes to work. Fewer drivers and short commutes means less chance of accidents in addition to lower liability claims

Take advantage of these discounts

Car insurance companies don’t always publicize the complete list of policy discounts very well, so the next list breaks down both the well known and also the more inconspicuous credits available to you.

• Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase a life policy as well.
• Defensive Driver Discounts – Taking time to complete a safe driver class can save you 5% or more and also improve your driving technique.
• Government Employees – Having worked for a branch of the government can save as much as 8% on Crosstrek insurance with some insurance companies.
• Sign Early and Save – A few companies offer discounts for switching companies early. It could save around 10% when you buy insurance coverage online.
• Discount for Good Grades – Maintaining excellent grades could provide a savings of up to 20% or more. Many companies even apply the discount to college students up to age 25.

Don’t be surprised that many deductions do not apply to the entire policy premium. Most only cut the cost of specific coverages such as comp or med pay. So even though it sounds like you could get a free insurance policy, it doesn’t quite work that way.

A list of insurance companies and their possible discounts are outlined below.

• State Farm may offer discounts for multiple autos, multiple policy, passive restraint, safe vehicle, accident-free, Drive Safe & Save, and anti-theft.
• Progressive may have discounts that include multi-policy, online signing, good student, continuous coverage, multi-vehicle, and online quote discount.
• Travelers may include discounts for continuous insurance, hybrid/electric vehicle, multi-car, driver training, IntelliDrive, and payment discounts.
• American Family has savings for accident-free, air bags, good student, defensive driver, Steer into Savings, and multi-vehicle.
• Liberty Mutual includes discounts for teen driver discount, hybrid vehicle, new graduate, good student, exclusive group savings, new move discount, and newly married.

If you want cheaper insurance coverage quotes, ask each company or agent to apply every possible discount. Some of the earlier mentioned discounts might not be available to policyholders in your area. For a list of insurers that provide some of the discounts listed above, enter your zip code here.

Special considerations

When it comes to buying the best insurance coverage coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining whether you might need an agent’s assistance.

• Do I need rental car coverage?
• What is the rate difference between pleasure use and commuting?
• Is there coverage for injuries to my pets?
• Exactly who is provided coverage by my policy?
• Should I sign the liability waiver when renting a car?
• Am I covered if my car is in a flood?

If you can’t answer these questions, you might consider talking to a licensed agent. If you don’t have a local agent, fill out your zip code. It’s fast, free and you can get the answers you need.

Parts of your insurance policy

Knowing the specifics of insurance can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive auto coverage

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, hail damage and hitting a deer. The maximum payout a 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

This protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things like funeral expenses, court costs and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your 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. For this reason, having high UM/UIM coverages is very important. Most of the time these coverages are similar to your liability insurance amounts.

Collision coverage protection

Collision coverage will pay to fix damage to your Crosstrek caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as damaging your car on a curb, driving through your garage door, hitting a parking meter and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like dental work, pain medications, ambulance fees and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Quote more, save more

The cheapest 2020 Subaru Crosstrek insurance is possible from both online companies and with local insurance agents, so you should compare both in order to have the best chance of saving money. A few companies do not provide internet price quotes and these regional carriers work with independent insurance agencies.

When shopping online for auto insurance, make sure you don’t sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice liability limits or collision coverage only to regret that it was a big mistake. Your objective should be to buy a smart amount of coverage at a price you can afford, but don’t skip important coverages to save money.

You just read many ways to compare 2020 Subaru Crosstrek insurance car insurance rates online. It’s most important to understand that the more companies you get premium rates for, the higher the chance of saving money. Consumers could even find that the most savings is with some of the smallest insurance companies.