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Subaru WRX Insurance Rates

Comparing auto insurance from online companies is easy and at the same time you may find lower rates. The key is to take the time to get rates from as many companies as possible in order to have all your choices.

Beginners to comparison shopping may think purchasing cut-rate Subaru WRX insurance can be quite difficult. Getting cheaper insurance rates is actually quite simple. The only requirement is to invest a few minutes to compare quotes from different insurance companies. This can be done by comparing rates here.

What factors impact your insurance rates?

Insurance premiums for your Subaru WRX can vary widely based upon several criteria. Taken into consideration are:

  • Your driving record
  • Credit rating
  • Your location impacts rates
  • High miles vs. low miles
  • Your gender can raise or lower rates
  • Deductible amount directly impacts your rate
  • Your vehicle's safety rating
  • Whether or not you have claims
  • Having continuous coverage saves you money
  • Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. Newer models have a higher value compared to older Subaru models so repair costs are higher which can inflate annual premiums. Although newer models have more advanced features included like an advanced theft deterrent system, all-wheel drive, and traction control which can lower rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability coverage

Liability insurance protects you from damages or injuries you inflict on other's property or people. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so buy higher limits if possible.

Auto collision coverage

This coverage pays for damage to your Subaru resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also increase the deductible in order to get cheaper Subaru WRX insurance rates.

Comprehensive coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle's occupants from other motorists when they do not carry enough liability coverage. Because many people only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. PIP is not available in all states and gives slightly broader coverage than med pay.

How Much are Subaru WRX Insurance Rates?