Save on 2023 Subaru WRX 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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Trying to find cheaper insurance coverage rates for your Subaru WRX? No normal person loves paying for insurance coverage, especially when they could find better rates elsewhere.

Drivers have so many car insurance companies to pick from, and even though it’s nice to have a choice, it can be more difficult to get the best deal.

It’s important to shop coverage around on a regular basis because insurance coverage prices trend upward over time. Just because you found the best price for WRX insurance a few years ago there is a good chance you can find better rate quotes now. Block out anything you think you know about insurance coverage because we’re going to demonstrate the fastest way to get good coverage at a lower rate.

Insurance Coverage Discounts

Insurance coverage can be pricey, but you might be missing out on some discounts that could help you make your next renewal payment. Certain credits will be shown when you purchase, but a few must be manually applied before being credited. If you’re not getting every credit available, you are paying more than you should be.

  • E-sign – A few larger online companies will give a small break for buying your policy on their website.
  • Anti-lock Brake System – Cars and trucks with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Save with a New Car – Buying a new car instead of a used car may earn a small discount due to better safety requirements for newer models.
  • Low Miles Discount – Driving fewer miles can earn slightly better prices than normal.
  • Federal Government Employee – Active or former government employment could cut as much as 10% off for WRX insurance with certain companies.
  • Student Driver Training – Have your child participate in a local driver’s education class as it will make them better drivers and lower rates.

As a disclaimer on discounts, many deductions do not apply to the whole policy. Most only apply to individual premiums such as liability and collision coverage. So when it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

To see a list of insurers with the best insurance coverage discounts, enter your zip code here.

Buy car insurance online

Most major insurance companies make it easy to get insurance quotes online. Doing online price comparisons is quite easy as you just enter the coverage amounts you desire as requested by the quote form. When complete, their quoting system automatically retrieves credit information and your driving record and returns pricing information based on these and other factors. This makes comparing rates easy, but the time it takes to visit several different sites and enter the same data into a form can be a bit tiresome and repetitive. But it’s necessary to perform this step in order to find better car insurance pricing.

A less time-consuming method to find lower prices makes use of a single form that gets price quotes from several companies at one time. It saves time, requires much less work on your part, and makes online quotes a little more enjoyable. After sending the form, it is quoted with multiple companies and you can pick your choice of the quote results.

If the quotes result in lower rates, you can simply submit the application and purchase coverage. The whole process takes less than 15 minutes and you’ll know if lower rates are available.

To quickly get comparison pricing now, simply enter your zip code here and submit your coverage information. If you have coverage now, it’s recommended you duplicate the coverages exactly as shown on your declarations page. This makes sure you will have a fair comparison based on similar coverages.

Why smart buyers pay less for Subaru WRX insurance

Many factors are part of the calculation when you get a price on insurance. Some of the criteria are obvious such as traffic violations, but others are more transparent like your continuous coverage or how financially stable you are.

  • Men pay more for insurance – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes get in accidents in similar numbers, but men tend to have higher claims. Men also receive more major tickets like driving under the influence (DUI).
  • Avoid tickets and save – A bad driving record has a lot to do with how much you pay for insurance. Good drivers pay lower auto insurance prices than bad drivers. Getting just one speeding ticket can increase rates by twenty percent. Drivers who have serious violations like DUI or reckless driving might be required by their state to submit a SR-22 form to the state department of motor vehicles in order to legally drive.
  • Deter theft and lower prices – Choosing a vehicle with advanced anti-theft systems can save you some money. Systems that thwart theives such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft and help lower rates.
  • Premiums drop with age – Older people are more responsible, are lower risk to insure , and usually have better credit. Drivers with little experience are proven to be less responsible when at the wheel of a vehicle therefore insurance coverage rates are much higher.

Tailor your insurance coverage coverage to you

When buying coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether or not you might need professional guidance.

  • Am I covered when driving in Canada or Mexico?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I really need UM/UIM coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What are the best liability limits?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is my camper covered by my car insurance policy?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Is a new car covered when I drive it off the dealer lot?
  • Does my medical payments coverage pay my health insurance deductible?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete your zip code.

Ads can be misleading

Big name companies like State Farm, Allstate and GEICO continually stream ads on TV and radio. They all advertise claims that people will save just by moving your policy. How can each company lower your premium rates? Here is the trick they use.

Different companies have a certain “appetite” for the type of driver that earns them the most money. An example of a desirable insured could be between the ages of 30 and 50, carries high limits, and insures a new vehicle. Any driver that meets those criteria receives the best rates and as a result will probably cut their rates if they switch.

Consumers who don’t meet the requirements may be forced to pay higher rates and ends up with business going elsewhere. If you pay close attention to the ads, they say “drivers that switch” but not “all drivers who get quotes” save that much. That’s the way insurance companies can claim big savings.

Because each company has a different risk profile, you really need to compare as many free auto insurance quotes as you can. Because you never know with any certainty which company will give you the biggest savings.

Specific coverage details

Knowing the specifics of a car insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. Shown next are the normal coverages offered by car insurance companies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like EMT expenses, prosthetic devices and X-ray expenses. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Subaru WRX.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these limits are identical to your policy’s liability coverage.

Comprehensive auto coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, rock chips in glass, a tree branch falling on your vehicle and hail damage. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage protection

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as scraping a guard rail, driving through your garage door and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Liability insurance

This coverage provides protection from damage or injury you incur to a person or their property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for 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. Your policy might show policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability insurance covers things such as repair bills for other people’s vehicles, medical services and court costs. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Take this to the bank

In this article, we covered many ways to compare 2023 Subaru WRX insurance prices online. The most important thing to understand is the more times you quote, the better likelihood of getting cheap auto insurance. Consumers could even find that the lowest prices are with some of the lesser-known companies. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm, GEICO and Nationwide.

Cheaper insurance coverage is possible on the web as well as from insurance agents, so you need to quote auto insurance with both in order to have the best price selection to choose from. Some insurance coverage companies may not provide rate quotes online and most of the time these small insurance companies only sell through independent agencies.

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