2024 Subaru WRX Car Insurance Cost – 8 Policy Discounts

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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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Buyers have a choice when searching for low-cost Subaru WRX insurance. You can either spend your time driving around to get rate comparisons or use the internet to find the lowest rates.

There is a right way and a wrong way to find insurance coverage online so we’re going to tell you the absolute fastest way to quote coverages for your Subaru and find the lowest possible price.

Consumers should take time to compare premium rates every six months because insurance prices tend to go up over time. Just because you had the lowest quotes for WRX coverage two years ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance coverage because I’m going to let you in on the secrets to one of the best ways to find the best coverage while lowering your premiums.

If you have a current car insurance policy or are shopping for new coverage, you can follow these tips to cut your premiums and possibly find even better coverage. The purpose of this article is to help educate you on how to get online quotes. Vehicle owners just need to know the proper way to get comparison rates online.

These eight discounts can slash insurance rates

Insuring your fleet can be pricey, but you might already qualify for some discounts that you may not even be aware of. Many discounts should be triggered at quote time, but some need to be specifically requested before they will apply.

  • Policy Bundle Discount – If you combine your auto and homeowners policies with the same company you could earn a discount of approximately 10% to 15%.
  • Telematics Devices – Insureds that choose to allow companies to look at driving habits through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if they show good driving skills.
  • Discounts for Multiple Vehicles – Having multiple vehicles on one policy may reduce the rate for each vehicle.
  • Membership in Organizations – Affiliation with a professional or civic organization is a simple method to lower premiums on insurance.
  • Senior Discount – Seniors can get a small discount on rates for WRX coverage.
  • Distant Student Discount – Any of your kids who are enrolled in higher education away from home and do not have a car may qualify for this discount.
  • Own a Home – Owning your own home or condo can earn you a little savings since owning and maintaining a home is proof that your finances are in order.
  • Seat Belt Usage – Requiring all passengers to buckle their seat belts may be able to save a few bucks on medical payment and PIP coverage.

Drivers should understand that most discount credits are not given to all coverage premiums. A few only apply to the cost of specific coverages such as medical payments or collision. Just because it seems like you can get free auto insurance, insurance companies wouldn’t stay in business.

Larger insurance companies and a summarized list of policyholder discounts are outlined below.

  • Progressive offers discounts including online quote discount, good student, online signing, continuous coverage, multi-vehicle, homeowner, and multi-policy.
  • SAFECO discounts include multi-car, homeowner, bundle discounts, anti-theft, and drive less.
  • American Family policyholders can earn discounts including good driver, TimeAway discount, Steer into Savings, early bird, defensive driver, and accident-free.
  • MetLife offers discounts for claim-free, multi-policy, good driver, accident-free, good student, and defensive driver.
  • GEICO may include discounts for emergency military deployment, multi-vehicle, anti-lock brakes, membership and employees, military active duty, and good student.
  • The Hartford has savings for good student, air bag, defensive driver, bundle, and driver training.

If you need the cheapest insurance quotes, ask every company how you can save money. Some discounts listed above might not be offered on policies in your area. To see insurers with discount insurance rates, enter your zip code here.

How to compare free auto insurance quotes

Most larger insurance companies give pricing direct online. Getting prices online doesn’t take a lot of time as you just enter your personal and coverage information into the form. Behind the scenes, their rating system makes automated requests for credit information and your driving record and provides a quote based on many factors.

This helps simplify price comparisons, but the time it takes to visit several different sites and complete many quote forms can get tiresome after awhile. But it’s also necessary to compare as many rates as possible if you want to find the best price possible.

An easier way to lower your rates uses one form to get prices from several different companies. The form is fast, requires much less work on your part, and makes comparison shopping much more efficient. After your information is entered, your coverage is rated and you are able to buy your choice of the quote results.

If a lower price is quoted, it’s easy to complete the application and buy the new coverage. It can be completed in a matter of minutes and could lower your rates considerably.

To quickly get comparison pricing now, simply enter your zip code here and enter your information. If you have a policy now, it’s recommended you copy deductibles and limits as close as possible to your current policy. This guarantees you will have an apples-to-apples comparison based on similar coverages.

When do I need an agent’s advice?

When buying adequate coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

For example, these questions might point out if your insurance needs would benefit from an agent’s advice.

  • Should I sign the liability waiver when renting a car?
  • What is no-fault insurance?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Will filing a claim cost me more?
  • Why do I only qualify for high-risk insurance?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • When would I need additional glass coverage?
  • Is my teen driver covered when they drive my company car?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete your zip code. It’s fast, doesn’t cost anything and can help protect your family.

Specific coverages for a 2024 Subaru WRX

Having a good grasp of your policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for immediate expenses for rehabilitation expenses, surgery, EMT expenses and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a bird, damage from getting keyed, theft and fire damage. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Subaru WRX.

Due to the fact that many drivers carry very low liability coverage limits, 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 limits are identical to your policy’s liability coverage.

Collision – This coverage pays for damage to your WRX resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like colliding with a tree, colliding with another moving vehicle, sideswiping another vehicle, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Liability – Liability insurance provides protection from injuries or damage you cause to a person or their property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability insurance covers claims like structural damage, legal defense fees and emergency aid. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Be a Smart Shopper

When trying to cut insurance costs, it’s not a good idea to reduce coverage to reduce premium. Too many times, someone dropped collision coverage to discover at claim time that they should have had better coverage. Your objective should be to purchase plenty of coverage at the best cost while not skimping on critical coverages.

People switch companies for a variety of reasons including lack of trust in their agent, an unsatisfactory settlement offer, policy cancellation and delays in paying claims. Regardless of your reason, finding the right insurance provider is pretty easy and you might even save some money in the process.

The cheapest 2024 Subaru WRX insurance is available online in addition to many insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who may not have the ability to get a quote online and most of the time these smaller companies work with independent insurance agencies.

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