Cheaper 2022 Subaru Ascent Insurance Quotes 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: Mar 28, 2024

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Having to pay for overpriced Subaru Ascent insurance can consume your checking account and make it hard to pay other bills. Price shopping at each renewal can lower your rates and help to lower your monthly bill.

You have multiple auto insurance companies to insure vehicles with, and though it is a good thing to have a choice, having more car insurance companies makes it harder to find the best rates.

It is always a good idea to take a look at other company’s rates on a regular basis because car insurance prices are usually higher with each renewal. Despite the fact that you may have had the lowest rates for Ascent insurance two years ago other companies may now be cheaper. Forget all the misinformation about car insurance because you’re about to learn the best methods to properly buy coverages and cut your premium.

More discounts mean affordable premiums

Some providers do not list all possible discounts very clearly, so the below list has both the well known and the harder-to-find discounts that you may qualify for.

  • Discount for Multiple Policies – If you combine your homeowners and auto policies and place coverage with the same company you could earn a discount of up to 20% off your total premium.
  • Defensive Driving Course – Taking time to complete a course in defensive driver may get you a small discount if you qualify.
  • Air Bags and Passive Restraints – Options like air bags or automatic seat belts may qualify for discounts as much as 30%.
  • Pay Now and Pay Less – By paying your policy upfront as opposed to paying monthly you may reduce your total bill.
  • Theft Prevention System – Anti-theft and alarm system equipped vehicles are stolen with less frequency and earn discounts up to 10% off your auto insurance quote.

It’s important to understand that many deductions do not apply to the entire cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like adding up those discounts means a free policy, you aren’t that lucky.

A list of insurance companies and some of the discounts are outlined below.

  • The Hartford offers discounts including air bag, good student, defensive driver, driver training, anti-theft, and vehicle fuel type.
  • American Family has savings for multi-vehicle, bundled insurance, mySafetyValet, accident-free, and good driver.
  • Progressive may include discounts for good student, online signing, multi-vehicle, online quote discount, and homeowner.
  • Travelers may have discounts that include continuous insurance, driver training, save driver, student away at school, and new car.
  • Farmers Insurance offers discounts for early shopping, youthful driver, pay in full, business and professional, mature driver, and teen driver.
  • USAA may offer discounts for loyalty savings, safe driver, new vehicle, multi-vehicle, and good student.
  • Liberty Mutual discounts include multi-car, newly married, new move discount, hybrid vehicle, and safety features.

If you want cheaper auto insurance quotes, ask every insurance company which discounts you may be entitled to. Some discounts listed above might not be offered on policies in your state. For a list of insurance companies with the best insurance discounts, enter your zip code here.

How to lower your car insurance cost

Most of the larger companies like State Farm, GEICO and Progressive allow consumers to get prices for coverage from their websites. The process is very simple because it’s just a matter of typing in the coverages you want into the form. Once entered, their rating system makes automated requests for your driving and credit reports and returns a price quote based on the data you entered. Quoting online simplifies rate comparisons, but having to visit different websites and enter the same data into a form is a big time waster. But it is imperative to compare as many rates as possible in order to find lower prices.

A more efficient way to find lower prices uses just one form that gets price quotes from a lot of companies. This type of form saves time, reduces the work, and makes comparison shopping much more efficient. Immediately after you send the form, your coverage is rated and you are able to buy your choice of the quotes that you receive.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. The entire process can be completed in less than 10 minutes and may save quite a bit of money.

If you want to compare rates using this form now, simply enter your zip code here and submit the form. If you currently have coverage, we recommend you type in the coverages as shown on your current policy. This ensures you will get a price comparison using the same coverage and limits.

Subaru Ascent insurance price factors

Lots of things are used when quoting car insurance. Some of the criteria are obvious like a motor vehicle report, although some other factors are less apparent like your continuous coverage or your commute time.

The items below are a few of the “ingredients” that factor into your prices.

  • Lower coverage deductibles cost more – Comp and collision deductibles state the amount of money you are willing to pay out-of-pocket before your insurance pays a claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some examples of covered claims are collision with another vehicle, damage from fire, or theft of your vehicle. The more expense the insured is willing to pay, the less money you will pay for insurance for Ascent insurance.
  • Tickets can increase prices – A bad driving record impacts your car insurance rates tremendously. Good drivers tend to pay less for car insurance compared to bad drivers. Even one ticket can bump up the cost substantially. Drivers unfortunate enough to have careless violations such as hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to legally drive a vehicle.
  • Credit rating impacts costs – An insured’s credit score is a big factor in calculating your insurance rates. If your credit is low, you could save money insuring your 2022 Subaru Ascent by spending a little time repairing your credit. Drivers with high credit scores tend to be less risk to insure than those with poor credit scores.
  • Companies want multiple policies – Most major insurers give discounts to people who buy several policies from them such as combining an auto and homeowners policy. If you currently are using one company, it’s still a good idea to compare other insurance prices to guarantee you are still saving the most.
  • Get better rates if married – Having a wife or husband can actually save you money on your policy. Having a significant other means you’re more mature it has been statistically shown that married drivers get in fewer accidents.
  • Cheaper premiums with safer cars – Vehicles with high crash test scores can get you lower premiums. Safe vehicles result in less severe injuries and fewer serious injuries translates directly to fewer claims and cheaper rates on your policy.
  • Mature drivers pay less – Older insureds tend to be more responsible, cost insurance companies less in claims , and are generally more financially stable. Youthful drivers are statistically shown to be less responsible when at the wheel of a vehicle so they pay higher insurance rates.
  • Extra policy coverages can add up – Insurance policies have a lot of extra bells and whistles that may not really be needed if you aren’t diligent. Insurance for roadside assistance, accident forgiveness, and motor club memberships are examples of these. They may sound like good ideas when deciding what coverages you need, but now you might not need them so eliminate the coverages to reduce your premium.

It’s not one size fits all

When choosing adequate coverage, there really is no “best” method to buy coverage. Each situation is unique and your policy should reflect that. For instance, these questions might help in determining if your insurance needs might need an agent’s assistance.

  • How much liability do I need to cover my assets?
  • Are my friends covered when driving my car?
  • Why does it cost so much to insure a teen driver?
  • Is my camper covered by my car insurance policy?
  • Is my teen driver covered when they drive my company car?
  • Should I carry comprehensive and collision coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • Is a blown tire covered by insurance?
  • What vehicles should carry emergency assistance coverage?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, complete your zip code.

Well known brands might not be cheapest

Respected companies like State Farm, GEICO and Progressive seem to constantly run television and radio advertisements. They all make an identical promise that people will save after switching your policy. That’s great but how can every company make almost identical claims?

Many companies have underwriting criteria for the type of driver that will not have excessive claims. For example, a desirable risk might be described as between the ages of 30 and 50, carries high limits, and drives less than 10,000 miles a year. Someone that meets those criteria gets the lowest car insurance rates and is almost guaranteed to save if they switch.

Drivers who don’t measure up to this ideal profile will be quoted a higher rate which results in the customer not purchasing. The trick companies use is to say “people who switch” not “everyone who quotes” save the amount stated. That is how insurance companies can confidently lure you into getting a quote.

This illustrates why you need to compare many company’s car insurance rates. It is just not possible to predict which insurance companies will fit your personal profile best.

Car insurance coverages for a 2022 Subaru Ascent

Knowing the specifics of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from insurance companies.

Collision – This coverage pays for damage to your Ascent caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as hitting a mailbox, colliding with a tree, damaging your car on a curb and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive insurance – This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as falling objects, rock chips in glass, a broken windshield, hitting a bird 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 consider dropping full coverage.

Coverage for medical expenses – Med pay and PIP coverage reimburse you for expenses for things like surgery, X-ray expenses, dental work, hospital visits and funeral costs. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Coverage for uninsured or underinsured drivers – This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and also any damage incurred to your Subaru Ascent.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liability limits.

Auto liability – This coverage can cover damage or injury you incur to people or other property that is your fault. This coverage protects you against other people’s claims. It does not cover 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 policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things such as court costs, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Feed the piggy bank

In this article, we presented some good ideas how to compare 2022 Subaru Ascent insurance prices online. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting affordable auto insurance. Drivers may discover the lowest prices come from a company that doesn’t do a lot of advertising. These smaller insurers can often provide lower rates in certain areas than the large multi-state companies such as Allstate or State Farm.

Some companies do not offer online price quotes and usually these small, regional companies only sell coverage through independent insurance agencies. The cheapest 2022 Subaru Ascent insurance can be purchased both online and with local insurance agents, so you need to compare both in order to have the best chance of saving money.

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