2024 Subaru Solterra Insurance Quotes – 9 Policy Discounts

Looking for better auto insurance rates for your Subaru Solterra? Finding better insurance prices for your Subaru Solterra can normally be a lot of work, but you can follow these tips to find lower rates.

There is a right way and a wrong way to find auto insurance online and we’ll show you the best way to get price quotes for a Subaru and find the best price possible.

Compare quotes for auto insurance

Cutting your auto insurance rates doesn’t have to be difficult. All you need to do is take a couple of minutes comparing rates from online providers. Price comparisons can be done in several different ways.

1. The fastest way to find the lowest comparison rates would be an industry-wide quote request form. This easy form keeps you from doing separate quote forms for every auto insurance company. One form submission gets rate comparisons from auto insurance companies with the best prices. It’s the quickest way to get rates.
2. A slightly less efficient method to compare rate quotes is to take the time to go to each company’s website and complete a new quote form. For example, let’s assume you want to compare prices for Farmers, Safeco and Liberty Mutual. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, which is why the first method is more popular.

You can choose any of those ways to find more affordable coverage, but be sure to compare apples-to-apples coverage information on every price quote you get. If you use mixed coverages you can’t possibly truly determine the lowest rate.

Is there deception in advertising?

Consumers constantly see and hear ads for cheaper car insurance from companies such as State Farm, GEICO and Progressive. All the companies convey the message that drivers will save a bundle if you move to them.

How do they all make the same claim? Here is the trick they use.

Different companies have specific guidelines for the type of driver that will be a good risk. A good example of this type of driver may be over the age of 45, has never had a claim, and has excellent credit. Any person who fits those characteristics may get the lowest prices and most likely will cut their rates substantially.

People who cannot meet this stringent profile will be charged higher premium rates which leads to the customer buying from a different company. If you pay attention, the ads say “customers that switch” but not “all drivers who get quotes” save that kind of money. That’s the way companies can truthfully lure you into getting a quote.

Because of the profiling, drivers should get auto insurance quotes as often as possible. Because you cannot predict the company that will be your best fit.

Earn discounts on car insurance

Some providers do not advertise all possible discounts in an easy-to-find place, so the below list has both well-publicized in addition to some of the lesser obvious savings tricks you should be using when you buy auto insurance online.

• Professional Organizations – Affiliation with specific professional or occupational memberships or organizations is a simple method to lower premiums on car insurance.
• Theft Prevention Discount – Cars, trucks, and SUVs with anti-theft systems prevent vehicle theft so companies will give you a small discount.
• Accident Forgiveness – Not a discount per se, but some insurance companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
• Data Collection Discounts – Drivers who agree to allow driving data collection to track driving habits through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates as long as the data is positive.
• Switch and Save Discount – A few car insurance companies allow discounts for renewing your policy before your current coverage expires. This discount can save up to 10%.
• Discount for Home Ownership – Being a homeowner can help you save on car insurance since home ownership means you have a higher level of financial diligence.
• Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents so companies give up to a 10% discount.
• Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
• Good Grades Discount – This discount can save 20 to 25%. You can use this discount normally up to age 25.

Just know that some credits don’t apply to your bottom line cost. Some only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, you won’t be that lucky.

Companies and a selection of discounts can be found below.

• State Farm may offer discounts for Steer Clear safe driver discount, good driver, Drive Safe & Save, safe vehicle, defensive driving training, and student away at school.
• GEICO may have discounts that include seat belt use, five-year accident-free, anti-theft, driver training, and military active duty.
• Progressive offers discounts including online quote discount, multi-policy, good student, multi-vehicle, and continuous coverage.
• 21st Century has discounts for theft prevention, defensive driver, driver training, anti-lock brakes, homeowners, and air bags.
• American Family offers discounts for Steer into Savings, TimeAway discount, air bags, accident-free, good driver, and defensive driver.
• The Hartford offers premium reductions for driver training, bundle, anti-theft, good student, defensive driver, and air bag.
• AAA includes discounts for multi-car, multi-policy, good driver, anti-theft, AAA membership discount, good student, and education and occupation.

It’s a good idea to ask every prospective company which discounts you qualify for. Some discounts may not be available in your area. If you would like to view car insurance companies that offer many of these discounts, enter your zip code here.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover if your insurance needs will benefit from professional help.

• What if I owe more than I can insure my car for?
• Should I buy full coverage?
• When can I cancel my policy?
• How can I get my company to pay me more for my totalled car?
• Am I covered if hit by an uninsured driver?
• What companies insure drivers after a DUI or DWI?
• Am I covered when driving on a suspended license?
• Should I put collision coverage on all my vehicles?
• Do I need more liability coverage?
• How many claims can I have before being cancelled?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete your zip code. It only takes a few minutes and you can get the answers you need.

Auto insurance coverages

Learning about specific coverages of auto insurance can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability car insurance – This coverage can cover damage or injury you incur to other’s property or people in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like pain and suffering, medical services, funeral expenses and loss of income. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Comprehensive auto insurance – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from flooding, hitting a deer, falling objects, a broken windshield and hitting a bird. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for hospital visits, pain medications, chiropractic care, nursing services and funeral costs. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as rolling your car, colliding with another moving vehicle and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also increase the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Be a smart shopper

Lower-priced insurance can be bought online and from local agencies, so you need to quote auto insurance with both to have the best selection. A few companies may not offer rates over the internet and many times these small, regional companies work with independent agents.

Drivers change insurance companies for many reasons like questionable increases in premium, policy cancellation, delays in paying claims or even extreme rates for teen drivers. Regardless of your reason for switching companies, choosing a new insurance company is actually quite simple.

While you’re price shopping online, make sure you don’t buy poor coverage just to save money. There are too many instances where someone sacrificed physical damage coverage to discover at claim time that the few dollars in savings costed them thousands. Your strategy should be to buy enough coverage at the best cost while still protecting your assets.