2003 Subaru Baja Insurance Quotes – 5 Tips to Save

Trying to find lower car insurance rates for your Subaru Baja? Feel like you’re a prisoner to high-priced car insurance? Believe me when I say you are not the only one feeling buyer’s remorse. Many car insurance companies vie to insure your vehicles, and it can be difficult to compare rates to find the absolute lowest price

Compare Quotes for Auto Insurance

Effectively comparing auto insurance prices can be a daunting task if you don’t utilize the most efficient way to do it. You could spend your day discussing policy coverages with insurance agencies in your area, or you can stay home and use the internet to get rate comparisons in just a few minutes.

Many companies participate in an industry program that allows shoppers to send in one quote, and each company returns a competitive quote determined by their information. This eliminates the need for quotation requests for each company.

To enter your information into the quoting system, click to open in new window.

The one disadvantage to doing it this way is you don’t know exactly the companies you will receive quotes from. So if you want to choose specific insurance companies to compare rates, we put together a list of companies who write auto insurance in your area. View list of insurance companies.

Whichever method you choose, double check that you are using the exact same coverages on every quote you get. If you compare different deductibles it will be impossible to determine the best price for your Subaru Baja.

Don’t miss out on these five money-saving discounts

Companies offering auto insurance don’t always publicize every available discount in a way that’s easy to find, so we researched some of the best known as well as the least known discounts you could be receiving. If you aren’t receiving every discount possible, you are throwing money away.

  • Air Bag Discount – Factory air bags or automatic seat belts can get savings of up to 25% or more.
  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Multiple Vehicles – Having multiple vehicles on the same insurance coverage policy may reduce the rate for each vehicle.
  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • Multi-policy Discount – When you combine your home and auto insurance with the same company you may earn 10% to 20% off each policy.

It’s important to understand that many deductions do not apply to the entire policy premium. Most only apply to individual premiums such as comprehensive or collision. So when the math indicates all the discounts add up to a free policy, insurance coverage companies aren’t that generous.

For a list of companies with the best insurance coverage discounts, follow this link.

Do I need special coverages?

When choosing the best car insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that could help you determine whether you might need an agent’s assistance.

  • When can I cancel my policy?
  • Does coverage extend to my business vehicle?
  • Am I covered if I break a side mirror?
  • Does having multiple vehicles earn me a discount?
  • Will filing a claim cost me more?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • When do I need to add a new car to my policy?
  • Does my insurance cover a custom paint job?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Auto insurance coverage options for a 2003 Subaru Baja

Learning about specific coverages of your auto insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages offered by auto insurance companies.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses for chiropractic care, rehabilitation expenses, nursing services, dental work and X-ray expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as theft, hitting a bird, vandalism and rock chips in glass. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for liability

This will cover injuries or damage you cause to other people or property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as emergency aid, funeral expenses, bail bonds and repair costs for stationary objects. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Subaru Baja.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Coverage for collisions

Collision coverage covers damage to your Baja resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as crashing into a building, colliding with another moving vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

More choices the merrier

Affordable 2003 Subaru Baja insurance can be bought online in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies do not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

We just presented some good ideas how you can compare insurance prices online. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Drivers may discover the lowest premiums are with some of the smallest insurance companies. These smaller insurers often have lower prices on specific markets as compared to the big name companies such as State Farm, GEICO and Nationwide.

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