Cheaper 2023 Subaru BRZ 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: May 8, 2024

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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Pricey car insurance can take a big chunk out of your personal savings and put a big crunch on your finances. Shopping your coverage around is free and is an excellent way to make sure you’re not throwing money away.

Due to the fact that there are so many insurance companies to choose from, it’s difficult to find the lowest cost insurance company.

It’s a good idea to get comparison quotes before your next renewal because insurance prices are rarely the same from one policy term to another. Even if you think you had the best deal on BRZ insurance at your last renewal you may be paying too much now. You can find a lot of wrong information about car insurance on the internet, but you can learn some guaranteed methods to put money back in your pocket.

This information will help educate you on how to get online quotes. If you currently have car insurance, you will most likely be able to save some money using this information. Vehicle owners just need to know the proper way to compare company rates online.

Discounts for cheaper auto insurance rates

Not too many consumers would say auto insurance is affordable, but you may be missing some discounts to cut the cost considerably. Many discounts should be triggered when you get a quote, but some may not be applied and must be specifically requested before they will apply.

  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up may be able to save a few bucks on the medical payments or PIP coverage costs.
  • Air Bags and Passive Restraints – Factory options such as air bags and/or automatic seat belt systems could see savings up to 30%.
  • Responsible Drivers – Insureds without accidents can pay as much as 50% less on BRZ insurance than drivers with accident claims.
  • Payment Discounts – By paying your entire bill at once rather than paying in monthly installments you can actually save on your bill.
  • Low Miles Discount – Low annual miles could qualify for slightly better auto insurance rates than normal.
  • Multi-policy Discount – When you combine your home and auto insurance and insure them with the same company you may earn nearly 15% which can help you find inexpensive auto insurance.
  • Student Discounts – Getting good grades can save 20 to 25%. Many companies even apply the discount to college students until age 25.

As a sidenote, many deductions do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So when the math indicates all the discounts add up to a free policy, it’s just not the way it works.

Some companies that may have some of the discounts shown above are:

  • State Farm
  • Liberty Mutual
  • The Hartford
  • MetLife
  • Progressive

Before buying, ask all the companies which discounts you qualify for. Some credits may not apply to policies in your state. To find companies with the best auto insurance discounts, enter your zip code here.

Affordable auto insurance price quotes

Lowering your 2023 Subaru BRZ auto insurance rates is not a difficult process. The only thing you need to do is take a few minutes comparing rate quotes from online providers. This can be accomplished by using one of the methods below.

  1. The simplest way to get the best comparison quotes is a comparison rater form. This type of form prevents you from having to do multiple quote forms for each price estimate. Taking the time to complete one form gets coverage cost estimates from several companies.
  2. A more time consuming way to find better pricing is going to the website for every company you want to compare to complete their respective quote request forms. For sake of this example, we’ll pretend you want to view quotes from Allstate, Progressive and GMAC. You would be required to spend time going to each site individually and type in your information over and over, which is why first method is recommended.

Whichever method you choose, try to use the exact same coverage limits on every quote. If you have different coverage information it will be next to impossible to make a fair rate comparison.

Tailor your auto insurance coverage to you

When buying coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions may help highlight whether or not you might need professional guidance.

  • Why do I need rental car insurance?
  • How do I insure my teen driver?
  • What vehicles should carry emergency assistance coverage?
  • Is my trailer covered?
  • Should I waive the damage coverage when renting a car?
  • Does my personal policy cover me when driving out-of-state?
  • Does my policy pay for OEM or aftermarket parts?
  • How high should my uninsured/underinsured coverage be in my state?
  • What is high-risk coverage and where do I buy it?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and enter your zip code. It is quick, free and may give you better protection.

What auto insurance coverages do you need?

Knowing the specifics of a auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. These are the usual coverages offered by auto insurance companies.

Collision – This pays for damage to your BRZ resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a building, rolling your car, driving through your garage door and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive auto insurance – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, fire damage, falling objects, vandalism and hail damage. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Subaru BRZ.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for expenses for prosthetic devices, chiropractic care and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Auto liability – Liability insurance protects you from damage or injury you incur to a person or their property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims like pain and suffering, attorney fees, medical expenses, court costs and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

More quotes mean more savings

While you’re price shopping online, never buy lower coverage limits just to save a few bucks. There are too many instances where drivers have reduced liability limits or collision coverage and discovered at claim time they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find for the lowest cost but still have enough coverage for asset protection.

A few companies do not offer internet price quotes and many times these regional carriers only sell coverage through independent insurance agencies. Affordable 2023 Subaru BRZ insurance can be purchased online and from local agencies, so you should be comparing quotes from both to have the best selection.

We just showed you many ideas to get a better price on 2023 Subaru BRZ insurance. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest prices are with some of the smallest insurance companies. Regional companies can often insure niche markets at a lower cost compared to the large companies like Allstate or State Farm.

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