Compare 2019 Subaru Ascent Insurance Cost in 2024

Searching for better auto insurance rates for your Subaru Ascent? Overpriced auto insurance can dwindle your bank account and make it hard to pay other bills. Performing a rate comparison is an excellent way to reduce premiums and put more money in your pocket.

Many insurance companies compete for your insurance dollar, so it’s not easy to compare every provider to get the lowest rate possible.

It’s a great practice to do rate comparisons before your policy renews since insurance prices are adjusted regularly by insurance companies. If you had the lowest rates on Ascent insurance at your last renewal there is a good chance you can find better premium rates now. There are lots of tips to save on auto insurance online, but we’re going to give you the best ways to reduce your auto insurance bill.

If you have car insurance now, you will most likely be able to save some money using these methods. Choosing the best insurance company for you is not that difficult. But consumers benefit from understanding how companies price insurance differently.

Quote car insurance online

Most of the larger companies such as Progressive, Allstate and GEICO allow consumers to get coverage prices from their websites. The process doesn’t take much effort as you just enter the coverages you want into a form. Upon sending the form, their quoting system will obtain your driving record and credit report and returns pricing information based on many factors. Online price quotes streamlines rate comparisons, but the time required to go to different websites and complete many quote forms gets old quite quickly. But it is imperative to compare as many rates as possible in order to find a lower rate.

The easiest way to find better car insurance pricing is to use a quote form that analyzes rates from a bunch of companies at once. It’s a real time-saver, requires much less work on your part, and makes rate comparisons much more enjoyable. Immediately after you send the form, it is quoted with multiple companies and you can pick any or none of the quote results.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. The entire process takes just a few minutes to complete and can result in significant savings.

To save time and find out how much you can save on car insurance, simply enter your zip code here and submit your coverage information. If you have your current policy handy, we recommend you replicate your coverages identical to your current policy. This makes sure you will have a fair comparison using the exact same coverages.

Switch companies and save? Really?

Popular auto insurance providers such as Progressive, Allstate and GEICO continually stream ads on TV and radio. They all try to convey promises that people will save if you just switch your coverage to them. Is it even possible that every company can have lower policy pricing? It’s all in the words they use.

All companies provide the lowest rates for the type of driver they prefer to insure. For instance, a profitable insured could be between the ages of 40 and 55, owns their home, and has excellent credit. Any customer that fits those parameters gets the lowest prices and have a good chance to save if they switch.

Potential customers who fall short of the “perfect” profile will get higher premiums and this can result in the customer not buying. The trick is to say “drivers who switch” not “everyone who quotes” can get the lowest rates when switching. This is how companies can lure you into getting a quote.

Because of this risk profiling, you really need to get as many free car insurance quotes as possible. It’s just too difficult to predict which insurance companies will have the best car insurance rates at this point in time.

How you can control Subaru Ascent insurance prices

Lots of things are used when quoting car insurance. Some are pretty understandable such as your driving history, although others are less obvious such as your credit history or how safe your car is.

• Marriage can save on insurance – Having a wife or husband actually saves money when buying insurance. Having a spouse may mean you are less irresponsible it has been statistically shown that drivers who are married file infrequent claims.
• Safeguard your assets with liability insurance – Your insurance policy’s liability coverage is the coverage that protects you in the event that you are found to be at fault for an accident. Liability insurance provides for a legal defense which can be incredibly expensive. It is affordable coverage compared to insuring for physical damage coverage, so do not skimp.
• Insurance rates in urban areas – Residing in less populated areas of the country can be a good thing when talking about insurance. City drivers tend to have congested traffic and more severe claims. Fewer drivers means less chance of accidents.
• Too many insurance claims drive up rates – Insurance companies provide discounts to people who do not rely on their insurance for small claims. If you file a lot of claims you can definitely plan on either a policy non-renewal or much higher rates. Your car insurance is designed for larger claims.
• Safer cars save money – Safe vehicles can get you lower premiums. Vehicles built for safety reduce the chance of injuries and lower rates of occupant injuries translates into fewer and smaller insurance claims and cheaper rates on your policy.
• Higher prices for demanding occupations – Do you have a high-stress occupation? Occupational choices like military personnel, air traffic controllers and financial analysts tend to pay the highest average rates attributed to intense work situations and long work days. On the flip side, jobs like scientists, students and homemakers generally pay rates lower than average on Ascent insurance.
• Gender impacts costs – Over the last 30 years, statistics show females are less aggressive when driving. However, don’t assume that men are WORSE drivers than women. Males and females tend to get into at-fault accidents at a similar rate, but men tend to have higher claims. Not only that, but men also get more serious tickets like DWI (DUI) or reckless driving. Young men ages 16 to 20 cause the most accidents and therefore pay the highest rates.

Get cheap insurance with discounts

Insurance is expensive, but you might already qualify for some discounts that could help you make your next renewal payment. Certain reductions will be credited at the time of quoting, but occasionally some discounts must be inquired about prior to receiving the credit.

• Passive Restraints – Factory air bags and/or automatic seat belt systems may qualify for discounts of more than 20%.
• Government Employees – Having worked for a branch of the government could qualify for a slight premium decrease on Ascent insurance depending on your company.
• Defensive Driver Discount – Taking part in a course that instructs on driving safety may get you a small discount and easily recoup the cost of the course.
• Discounts for Cautious Drivers – Drivers who don’t get into accidents can save as much as half off their rates on Ascent insurance than their less cautious counterparts.
• Multiple Policy Discount – When you have multiple policies with one insurance company they may give you a discount of approximately 10% to 15%.
• Pay Upfront and Save – If you can afford to pay the entire bill rather than paying in monthly installments you may reduce your total bill.

It’s important to note that many deductions do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though you would think you would end up receiving a 100% discount, you aren’t that lucky.

Larger insurance companies and their possible discounts are outlined below.

• American Family may offer discounts for Steer into Savings, defensive driver, bundled insurance, accident-free, good student, and mySafetyValet.
• Farm Bureau offers premium reductions for safe driver, 55 and retired, good student, driver training, multi-vehicle, and youthful driver.
• State Farm has discounts for multiple policy, multiple autos, Drive Safe & Save, Steer Clear safe driver discount, passive restraint, accident-free, and safe vehicle.
• Travelers may include discounts for good student, payment discounts, continuous insurance, multi-car, save driver, early quote, and student away at school.
• The Hartford offers discounts including defensive driver, bundle, anti-theft, air bag, driver training, good student, and vehicle fuel type.
• GEICO includes discounts for driver training, anti-lock brakes, anti-theft, multi-vehicle, multi-policy, daytime running lights, and federal employee.
• Progressive discounts include continuous coverage, homeowner, multi-policy, multi-vehicle, online quote discount, and online signing.

Double check with every company how you can save money. Some credits may not apply to policies in your area. To view companies with significant discounts, enter your zip code here.

Tailor your auto insurance coverage to you

When buying adequate coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions may help highlight whether your personal situation might need an agent’s assistance.

• Is business equipment covered while in my vehicle?
• Is a fancy paint job covered?
• Does medical payments coverage apply to all occupants?
• Is borrowed equipment or tools covered if stolen or damaged?
• What vehicles should carry emergency assistance coverage?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Am I getting all the discounts available?
• Do I need rental car coverage?
• Am I insured when driving a different vehicle?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and enter your zip code.

Learn about insurance coverages for a Subaru Ascent

Having a good grasp of your insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages available from insurance companies.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, hitting a deer, damage from flooding, a tree branch falling on your vehicle and hitting a bird. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for liability

Liability insurance provides protection from damage or injury you incur to a person or their property by causing an accident. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability can pay for claims such as repair costs for stationary objects, legal defense fees, funeral expenses and emergency aid. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for bills for dental work, doctor visits, pain medications and funeral costs. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Subaru Ascent.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Auto collision coverage

Collision insurance covers damage to your Ascent resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with a tree, damaging your car on a curb, driving through your garage door and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Online plus local equals savings

When searching for cheap car insurance quotes, it’s very important that you do not buy poor coverage just to save money. There are too many instances where drivers have reduced full coverage and found out when filing a claim that it was a big mistake. The proper strategy is to find the BEST coverage at an affordable rate, but don’t skip important coverages to save money.

Lower-priced 2019 Subaru Ascent insurance is possible on the web in addition to local insurance agencies, and you should compare rates from both to have the best selection. There are still a few companies who do not offer online rate quotes and many times these small, regional companies provide coverage only through independent agents.