Save on 2021 Subaru Crosstrek Insurance Quotes in 2024

Searching for the cheapest auto insurance rates for your Subaru Crosstrek? Sick and tired of scraping nickels together to keep your car insured? You are in the same boat as many other consumers. You have multiple car insurance companies to purchase coverage from, and though it is a good thing to have a selection, more options can take longer to find a good deal.

It’s a good habit to check auto insurance prices quite often because prices change quite often. If you had the lowest price for Crosstrek coverage a couple years back the chances are good that you can find a lower rate quote today. Block out anything you think you know about auto insurance because you’re going to learn the best way to save on auto insurance.

How to buy auto insurance online

There are a lot of ways you can shop for auto insurance and some are less time-consuming than others. You can waste hours discussing policy coverages with insurance agencies in your area, or you could use the web to get the quickest rates.

Most of the best insurance companies belong to an insurance system that enables customers to complete one form, and each participating company then returns a price quote. This eliminates the need for form submissions to each company.

To compare pricing enter your zip code here.

One minor caveat to using this type of form is that you can’t choose the companies you will receive quotes from. So if you prefer to choose individual companies to compare rates, we have a listing of companies who write auto insurance in your area. Click to enter zip code.

Whichever method you choose, ensure you’re using the same deductibles and coverage limits on every quote you get. If your comparisons have different deductibles you can’t possibly truly determine the lowest rate.

Reduce your insurance coverage rates with discounts

Some insurance providers don’t always advertise the complete list of policy discounts in an easy-to-find place, so the list below contains both the well known as well as the least known discounts you could be receiving when you buy insurance online.

• Senior Discount – Mature drivers can possibly qualify for better insurance coverage rates for Crosstrek coverage.
• Safety Course Discount – Taking time to complete a course teaching driver safety skills could cut 5% off your bill depending on where you live.
• Air Bag Discount – Options like air bags or automatic seat belts could see savings of 20 to 30 percent.
• Claim-Free Discount – Good drivers with no accidents pay less in comparison to drivers with a long claim history.
• Auto/Life Discount – Insurance companies who offer life insurance give a discount if you purchase some life insurance in addition to your auto policy.
• Homeowners Pay Less – Being a homeowner can help you save on insurance coverage since owning and maintaining a home requires personal responsibility.
• College Student Discount – Any of your kids who are enrolled in higher education away from home and leave their car at home can receive lower rates.
• New Car Discount – Insuring a vehicle that is new can save you some money because newer models keep occupants safer.
• Theft Deterrent – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and that can save you a little bit as well.
• Good Students Pay Less – This discount can get you a discount of up to 25%. You can use this discount normally until age 25.

Drivers should understand that most credits do not apply to the entire cost. Most only cut specific coverage prices like physical damage coverage or medical payments. Even though the math looks like you could get a free insurance coverage policy, company stockholders wouldn’t be very happy. But any discount should help reduce your policy premiums.

A list of companies and a selection of discounts can be read below.

• State Farm offers discounts for multiple policy, Drive Safe & Save, student away at school, accident-free, and driver’s education.
• Nationwide offers premium reductions for accident-free, business or organization, good student, defensive driving, and multi-policy.
• GEICO discounts include defensive driver, anti-theft, seat belt use, anti-lock brakes, five-year accident-free, and good student.
• AAA may offer discounts for multi-policy, anti-theft, multi-car, education and occupation, good student, and AAA membership discount.
• 21st Century has savings for homeowners, air bags, automatic seat belts, student driver, and good student.
• The Hartford may include discounts for vehicle fuel type, good student, driver training, defensive driver, bundle, anti-theft, and air bag.

When quoting, ask every company the best way to save money. Depending on the company, some discounts might not be available to policyholders everywhere. To locate insurers that offer some of these discounts, enter your zip code here.

You are unique and your auto insurance should be too

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Each situation is unique and your policy should reflect that. For example, these questions might point out whether your personal situation may require specific advice.

• Do I need higher collision deductibles?
• Do I have coverage when making deliveries for my home business?
• Why does it cost so much to insure a teen driver?
• What is an SR-22 filing?
• What is no-fault insurance?
• Should I buy more coverage than the required minimum liability coverage?
• Am I covered if I drive in a foreign country?
• I have good health insurance, so how much medical payments coverage do I need?
• Will my insurance pay for OEM parts?
• Is a fancy paint job covered?

If you’re not sure about those questions, you might consider talking to an agent. To find an agent in your area, simply complete your zip code. It is quick, free and may give you better protection.

Learn how to get insurance coverage cheaper

Many factors are taken into consideration when quoting car insurance. A few of the factors are predictable such as your driving record, but other criteria are more obscure like your continuous coverage or how safe your car is. When buying insurance coverage it’s important to understand the rating factors that are used to determine your policy premiums. When consumers understand what influences your rates, this enables informed choices that may reward you with lower insurance coverage prices.

• Only buy what you need – Insurance policies have a lot of extra add-on coverages you can purchase but may not be useful. Coverage for things like replacement cost coverage, towing coverage, and Farm Bureau memberships may be wasting your money. These may sound like a good investment when talking to your agent, but if you don’t need them remove them and pocket the money.
• High credit saves on insurance coverage – Having a good credit rating is a big factor in determining your rates. Therefore, if your credit can use some improvement, you could potentially save money when insuring your 2021 Subaru Crosstrek by improving your rating. Insureds with very high credit ratings tend to file fewer claims as compared to drivers with bad credit.
• Rate your vehicle for proper use – The more miles you rack up on your Subaru in a year’s time the more you will pay for insurance coverage. A lot of companies apply a rate based on their usage. Vehicles not used for work or commuting can be on a lower rate level than cars that get driven a lot. Make sure your declarations sheet states the right rating data. A policy that improperly rates your Crosstrek is just wasting money.
• Compare rates if you combine your policies – The majority of insurance coverage companies will give a discount to insureds that buy multiple policies in the form of a multi-policy discount. Discounts can be 10 percent or more. Even with this discount applied, you may still want to compare other insurance prices to help guarantee you have the best rates. You may still find better rates by buying insurance coverage from a different company.
• Do you have enough liability coverage? – A critical coverage on your policy, liability insurance is the protection in the event that a jury decides you are liable for damages caused by your negligence. Your policy’s liability insurance provides for a legal defense to defend your case. Liability insurance is quite affordable compared to physical damage coverage, so buy as much as you can afford.
• Pay more if you have a long commute – Being located in a small town may provide you with better prices when buying insurance coverage. Fewer drivers and short commutes translates into fewer accident claims in addition to fewer liability claims. Drivers who live in large cities have to deal with much more traffic and a longer drive to work. More time commuting translates into higher accident risk.

Insurance specifics

Knowing the specifics of your policy aids in choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages available from insurance companies.

Comprehensive insurance

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

Comprehensive coverage protects against things like hitting a deer, hail damage, falling objects and a broken windshield. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for surgery, prosthetic devices, chiropractic care, dental work and nursing services. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

Liability insurance provides protection from injuries or damage you cause to people or other property that is your fault. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as loss of income, funeral expenses, medical services, court costs and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage protection

This covers damage to your Crosstrek caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like hitting a mailbox, hitting a parking meter, backing into a parked car 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 choose a higher deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Buy online or local, you save

Budget-conscious 2021 Subaru Crosstrek insurance can be found both online as well as from independent agents, and you should be comparing both to get a complete price analysis. There are still a few companies who do not provide rate quotes online and usually these regional carriers sell through independent insurance agencies.

Throughout this article, we presented many ways to lower your 2021 Subaru Crosstrek insurance rates. The key thing to remember is the more you quote insurance, the higher your chance of finding low cost insurance. Drivers may discover the lowest rates come from a small local company. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Allstate and Progressive.