2019 Subaru WRX Insurance Quotes in 2024 – 6 Tricks for Best Rates

Are you irritated from wondering where the money will come from each month for insurance? You have the same problem as most other vehicle owners.

You have multiple auto insurance companies to insure vehicles with, and although it’s a good thing to be able to choose, more options can take longer to find the lowest cost provider.

It’s a good habit to compare prices before your policy renews because insurance prices change quite often. Despite the fact that you may have had the lowest rate on WRX coverage at your last renewal you may be paying too much now. Forget all the misinformation about insurance because it’s time to teach you the best methods to properly buy coverages and cut your premium.

Insurance coverage companies offer many discounts

Some insurance providers don’t list all possible discounts very well, so we took the time to find both the well known and also the more inconspicuous discounts that may be available.

• Seat Belts Save – Drivers who always wear seat belts and also require passengers to buckle up can save up to 10 percent (depending on the company) off the medical payments premium.
• Driver Education Discount – Cut your cost by having your teen driver participate in a local driver’s education class as it will make them better drivers and lower rates.
• Service Members Pay Less – Having an actively deployed family member could qualify you for better insurance coverage rates.
• Defensive Driver Discount – Successfully completing a course teaching safe driver skills could possibly earn you a 5% discount if your company offers it.
• Discount for Good Grades – Being a good student can get you a discount of up to 25%. You can use this discount normally until age 25.
• Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you a discount if you purchase a life policy as well.

Don’t be shocked that most discount credits are not given to your bottom line cost. The majority will only reduce individual premiums such as medical payments or collision. So when it seems like you could get a free insurance coverage policy, it’s just not the way it works.

Some of the insurance companies that have most of the discounts above may include but are not limited to:

• Progressive
• GEICO
• State Farm
• Esurance
• The Hartford

Before buying, ask each insurance company which discounts they offer. Some credits might not be offered on policies in every state.

The best way we recommend to compare car insurance company rates is to know auto insurance companies will pay a fee to quote your coverage. To start a quote, the only thing you need to do is take a few minutes to give details like if you require a SR-22, if the car is leased, if it has an alarm system, and if you have a valid license. Your details is submitted instantly to multiple different insurance companies and they respond with quotes immediately.

To check rates for your 2019 Subaru WRX now, click here and complete the quick form.

Do I just need basic coverages?

When it comes to buying coverage for your personal vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions may help highlight whether you might need an agent’s assistance.

• Is my vehicle covered by my employer’s policy when using it for work?
• Am I covered when using my vehicle for business?
• Does my personal policy cover me when driving out-of-state?
• Am I missing any policy discounts?
• Am I covered when delivering products for my home-based business?
• When should I remove comp and collision on my 2019 Subaru WRX?
• Do I have coverage when pulling a U-Haul trailer?
• When does my teenage driver need to be added to my policy?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out your zip code.

Auto insurance 101

Learning about specific coverages of insurance aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on most insurance policies.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses like ambulance fees, dental work, pain medications, X-ray expenses and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Auto collision coverage

This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like damaging your car on a curb, colliding with a tree and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your Subaru WRX.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are set the same as your liability limits.

Comprehensive (Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as vandalism, falling objects, rock chips in glass, hitting a deer and hail damage. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for liability

This coverage protects you from injuries or damage you cause to people or other property by causing an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things such as funeral expenses, loss of income and bail bonds. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

A little work can save a LOT of money

When shopping online for car insurance, make sure you don’t skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped full coverage only to find out that it was a big error on their part. The goal is to find the BEST coverage for the lowest cost and still be able to protect your assets.

In this article, we covered a lot of ways to save on 2019 Subaru WRX insurance. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. Smaller companies often have lower premium rates on specific markets than the large multi-state companies such as Progressive and GEICO.