How Much Does 2023 Subaru Crosstrek Car Insurance Cost in 2024?

Searching for cheaper car insurance rates for your Subaru Crosstrek? If you are a novice to online car insurance shopping, you can easily be bewildered by the sheer number of companies that all promise the best rates.

It’s smart to check car insurance prices once or twice a year because insurance prices trend upward over time. Just because you found the lowest rates for Crosstrek insurance two years ago you will most likely find a better premium rate today. Block out anything you think you know about car insurance because you’re about to learn the things you must know in order to save on car insurance.

Discount auto insurance quotes

Car insurance companies don’t necessarily list every discount they offer in an easy-to-find place, so the following is a list of both well-publicized in addition to some of the lesser obvious ways to save on auto insurance.

• Telematics Devices – Drivers who agree to allow driving data collection to monitor driving habits by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if they exhibit good driving behavior.
• Braking Control Discount – Cars with ABS and/or traction control can avoid accidents so you can save 10 percent or more.
• Accident Waiver – Not really a discount, but certain companies permit an accident before they charge you more for coverage if your claims history is clear prior to the accident.
• Renewal Discounts – Some larger companies reward drivers for signing up before your current expiration date. It could save around 10% when you buy car insurance online.
• Multi-line Discount – If the company offers life insurance, you could get a break if you buy a life insurance policy as well.
• Club Memberships – Being in certain professional organizations is a simple method to lower premiums on your next renewal.
• Use Seat Belts – Forcing all vehicle occupants to buckle their seat belts can save a little off the medical payments premium.

Policy discounts save money, but some of the credits will not apply to the entire cost. Most only apply to individual premiums such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, nobody gets a free ride.

A list of auto insurance companies and their possible discounts are shown below.

• Progressive may include discounts for online signing, online quote discount, good student, continuous coverage, homeowner, multi-policy, and multi-vehicle.
• GEICO policyholders can earn discounts including driver training, membership and employees, air bags, five-year accident-free, daytime running lights, anti-theft, and good student.
• State Farm offers premium reductions for multiple policy, defensive driving training, good driver, Drive Safe & Save, passive restraint, accident-free, and Steer Clear safe driver discount.
• Esurance offers discounts including emergency road assistance, anti-theft, Switch & Save, DriveSense, good driver, defensive driver, and homeowner.
• The Hartford includes discounts for good student, bundle, anti-theft, driver training, air bag, defensive driver, and vehicle fuel type.

When quoting, ask every company how many discounts you can get. Depending on the company, some discounts might not apply everywhere.

How to get free car insurance quotes online

There are several ways you can shop for car insurance but one way is less time-consuming than others. You can waste a lot of time driving to insurance companies in your area, or you could use online quoting to get rate comparisons in just a few minutes.

Many popular insurance companies belong to a marketplace where insurance shoppers send in one quote, and at least one company can give them a price. This saves time by eliminating repetitive form submissions to each company. To compare rates using this form now enter your zip code here.

The one disadvantage to using this type of system is you don’t know exactly which providers to get quotes from. If you wish to select specific providers to compare prices, we have assembled a list of low cost car insurance companies in your area. Click to enter zip code.

However you get your quotes, double check that you are using the same coverages on every quote you get. If you enter different values for each quote you can’t possibly make an equal comparison. Just slight variations in limits can make a big difference in price. And when comparing car insurance rates, know that having more price comparisons helps improve the odds of finding better pricing.

The Subaru Crosstrek insurance rate equation

Multiple criteria are taken into consideration when quoting car insurance. Most are fairly basic like your driving record, although others are not quite as obvious like your vehicle usage or how safe your car is.

Shown below are some of the things that factor into your rate level.

• Prices can change based on your address – Living in a small town may provide you with better prices when it comes to auto insurance. People who live in big cities regularly have traffic congestion and longer commute times. Fewer drivers and short commutes means a lower chance of having an accident.
• Insurance companies don’t like frequent insurance claims – Auto insurance companies give discounts to people who do not file claims often. If you are the type of insured that files lots of claims you can definitely plan on higher rates. Insurance coverage is intended for more catestrophic claims.
• Mature drivers are lower risk – Inexperienced drivers are statistically proven to be easily distracted when driving with friends and because of this, their auto insurance rates are much higher. Older drivers are more cautious drivers, file fewer claims and are safer drivers.
• Advanced theft deterrents – Choosing to buy a car with a theft deterrent system can save you a little every year. Systems that thwart theives such as OnStar, LoJack tracking, and tamper alarms help track and prevent your vehicle from being stolen.

Tailor your insurance coverage to you

When buying adequate coverage, there isn’t really a “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that could help you determine if your situation might need professional guidance.

• Does my policy pay for OEM or aftermarket parts?
• Is a fancy paint job covered?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Is my nanny covered when driving my vehicle?
• Do I need medical payments coverage since I have good health insurance?
• When would I need additional glass coverage?
• What if I owe more than I can insure my car for?
• I have good health insurance, so how much medical payments coverage do I need?
• Is my dog or cat covered if injured in an accident?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete your zip code.

Specifics of your auto insurance policy

Knowing the specifics of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Coverage for collisions

This coverage covers damage to your Crosstrek caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a parking meter, sideswiping another vehicle, colliding with a tree and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Subaru Crosstrek.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these limits do not exceed the liability coverage limits.

Liability coverages

This coverage will cover injuries or damage you cause to a person or their property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged property. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like medical expenses, court costs and structural damage. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, falling objects, damage from getting keyed, theft and a broken windshield. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as rehabilitation expenses, EMT expenses, funeral costs and chiropractic care. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Affordable insurance is out there

Discount 2023 Subaru Crosstrek insurance can be bought online as well as from independent agents, so you need to quote car insurance with both to get a complete price analysis. There are still a few companies who may not provide rate quotes online and these smaller companies only sell through independent agencies.

When buying insurance coverage, make sure you don’t buy less coverage just to save a little money. There have been many cases where an insured cut full coverage only to find out that the savings was not a smart move. The ultimate goal is to get the best coverage possible at the best price but still have enough coverage for asset protection.

Insureds switch companies for many reasons like extreme rates for teen drivers, policy cancellation, not issuing a premium refund and delays in paying claims. It doesn’t matter what your reason, finding a new insurance coverage company can be pretty painless.