2021 Subaru WRX Insurance Rates in 2024

Are you kicking yourself for buying an underperforming, overpriced insurance policy? It’s a common feeling and there are lots of people in the same boat. People have multiple insurance companies to insure vehicles with, and even though it’s nice to have multiple companies, more choices can make it harder to compare company pricing.

You should make it a habit to check insurance prices on a regular basis because insurance prices fluctuate regularly. Even if you think you had the best price on WRX insurance last year the chances are good that you can find a lower rate today. There is a lot of wrong information about insurance online, but I’m going to show you some good information on how to slash your insurance rates.

Finding the best rates is not rocket science. If you currently have car insurance, you will most likely be able to reduce your rates substantially using these methods. Drivers just need to understand the most effective way to shop for auto insurance over the internet.

Finding insurance coverage

Reducing your 2021 Subaru WRX insurance rates doesn’t have to be difficult. All that’s required is to take the time to get quotes to see which company has cheaper insurance quotes. Comparing prices online can be done in just a few minutes using one of these methods.

The best way to get quotes for comparison is an all-inclusive rate comparison. This style of form keeps you from doing repetitive form entry for every company. Just one form gets you price quotes from several companies.

A more difficult way to compare rate quotes is to manually visit the website for each individual company and go through the quote process again. For example, we’ll assume you want to get rates from Allstate, Safeco and GMAC. To find out each rate you need to go to each individual site and repeatedly enter your information, which is why the first method is more popular.

Whichever way you choose to compare rates, do your best to use nearly identical coverage limits for each comparison quote. If your comparisons have unequal deductibles or liability limits then you won’t be able to get a fair rate comparison.

Get cheaper insurance quotes with discounts

Insurance is not inexpensive, but there could be significant discounts to cut the cost considerably. Some discounts apply automatically when you quote, but a few must be asked for prior to getting the savings.

• Multi-Vehicle Discounts – Drivers who insure all your vehicles on a single policy can get a discount on all vehicles.
• Government Employees – Employees or retirees of the government can earn a discount up to 10% on WRX insurance with select insurance companies.
• Passive Restraints and Air Bags – Vehicles with factory air bags can get savings of 25 to 30%.
• Early Renewal Discounts – A few larger companies give discounts for switching policies before your current policy expires. Ten percent is about the average savings.
• Home Ownership Discount – Being a homeowner can save a few bucks because owning a home is proof that your finances are in order.
• Save with a New Car – Buying insurance coverage on a new vehicle is cheaper because newer models have to meet stringent safety requirements.
• Club Memberships – Joining certain professional organizations can get you a small discount on your next insurance statement.
• ABS Brakes – Cars equipped with ABS or steering control are much safer to drive so companies give up to a 10% discount.
• Multiple Policy Discount – If you insure your home and vehicles and place coverage with the same company they may give you a discount of at least 10% off all policies.
• Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in school or through a local driver safety program.

While discounts sound great, it’s important to understand that many deductions do not apply to the entire cost. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears you could get a free insurance policy, nobody gets a free ride.

The best insurance companies and some of the premium reductions they offer can be found below.

• 21st Century has discounts for 55 and older, homeowners, air bags, student driver, theft prevention, good student, and automatic seat belts.
• State Farm has savings for Drive Safe & Save, accident-free, safe vehicle, multiple policy, multiple autos, and passive restraint.
• AAA offers discounts including anti-theft, pay-in-full, good driver, AAA membership discount, and multi-car.
• Liberty Mutual may offer discounts for multi-car, exclusive group savings, multi-policy, newly retired, teen driver discount, and good student.
• Progressive includes discounts for good student, online signing, homeowner, multi-policy, and online quote discount.

When getting a coverage quote, ask each company which discounts can lower your rates. Some discounts might not be available to policyholders everywhere.

Tailor your insurance coverage coverage to you

When buying the right insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Every insured’s situation is different so this has to be addressed. For example, these questions may help you determine whether or not you would benefit from professional advice.

• I have health insurance so do I need medical payments coverage?
• Why is insurance for a teen driver so high?
• Can I still get insurance after a DUI?
• Do I have coverage for damage caused while driving under the influence?
• Can my teen drive my company car?
• Does coverage extend to a rental car in a foreign country?
• Do I need replacement cost coverage?
• Does my car insurance cover rental cars?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out your zip code. It is quick, free and can help protect your family.

Information about specific coverages

Having a good grasp of a auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types found on most auto insurance policies.

Auto liability

This provides protection from damages or injuries you inflict on other’s property or people that is your fault. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for claims such as court costs, loss of income and pain and suffering. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for bills for things like funeral costs, X-ray expenses and hospital visits. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, hitting a deer and hail damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Subaru WRX.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as crashing into a ditch, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.