of Subaru Car Insurance Coverage
Liability Coverage:
Bodily Injury Liability: Covers medical expenses and lost wages for other parties if you're at fault in an accident.
Property Damage Liability: Pays for damage you cause to someone else's property.
Collision Coverage:
Pays for damage to your Subaru resulting from a collision with another vehicle or object, regardless of fault.
Comprehensive Coverage:
Covers non-collision-related damages such as theft, vandalism, natural disasters, and hitting an animal.
Personal Injury Protection (PIP):
Covers medical expenses for you and your passengers, regardless of fault. It can also cover lost wages and other related costs.
Uninsured/Underinsured Motorist Coverage:
Protects you if you're involved in an accident with a driver who has insufficient or no insurance.
Gap Insurance:
Covers the difference between what you owe on your Subaru and its actual cash value in case it's totaled or stolen.
Roadside Assistance:
Provides services like towing, tire changes, and lockout assistance.
Rental Car Reimbursement:
Covers the cost of a rental car while your Subaru is being repaired after a covered loss.
Factors Influencing Subaru Car Insurance Premiums
Model and Year:
Newer models with advanced safety features may qualify for discounts, while older models might have higher premiums due to parts availability and repair costs.
Driving Record:
A clean driving record often results in lower premiums, while accidents, tickets, and violations can increase costs.
Location:
Urban areas with higher traffic and theft rates typically have higher insurance premiums compared to rural areas.
Usage:
The more you drive, the higher the risk, which can result in higher premiums. Usage-based insurance programs can offer discounts based on driving habits.
Credit Score:
In many regions, insurance companies consider credit scores when determining premiums. Higher scores often lead to lower rates.
Deductibles:
Choosing higher deductibles can lower your premium but increases your out-of-pocket costs in the event of a claim.
Safety Features:
Subaru models equipped with features like EyeSight Driver Assist Technology, anti-lock brakes, and airbags may qualify for discounts.
Tips for Getting the Best Subaru Car Insurance Rates
Compare Quotes:
Obtain quotes from multiple insurance providers to find the best rate. Online comparison tools can simplify this process.
Bundle Policies:
Many insurers offer discounts if you bundle your Subaru car insurance with other policies, such as home or renters insurance.
Look for Discounts:
Ask about available discounts for good driving records, low mileage, safety features, and more. Many insurers offer discounts for completing defensive driving courses.
Maintain a Good Credit Score:
Improving your credit score can positively impact your insurance premiums in regions where credit is a factor.
Evaluate Your Coverage Needs:
Regularly review and adjust your coverage to ensure it meets your current needs. Avoid paying for unnecessary coverage.
Consider Usage-Based Insurance:
Some insurers offer programs that track your driving habits and reward safe driving with lower premiums.
Opt for Higher Deductibles:
If you can afford to pay more out of pocket in the event of a claim, choosing higher deductibles can reduce your premium.
Subaru's Commitment to Safety and Its Impact on Insurance
Subaru’s dedication to safety significantly impacts its insurance rates. The brand’s vehicles consistently earn high safety ratings from institutions like the Insurance Institute for Highway Safety (IIHS) and the National Highway Traffic Safety Administration (NHTSA). Models equipped with Subaru’s EyeSight Driver Assist Technology, which includes features like adaptive cruise control, lane-keeping assist, and pre-collision braking, are particularly noted for their safety. These advanced safety features not only protect drivers and passengers but also help in securing lower insurance premiums.
