2004 Subaru Baja Insurance Quotes – 10 Savings Tips

Looking for lower insurance coverage rates for your Subaru Baja? Have you fallen victim to high-priced insurance coverage? Trust us when we tell you there are many consumers feeling the pinch from expensive insurance coverage. Big companies like GEICO and Progressive constantly bombard you with advertising and it is challenging if not impossible to ignore the propoganda and take the time to shop coverage around.

It’s a good idea to check insurance coverage prices occasionally since insurance rates change frequently. Just because you found the best price for Baja insurance six months ago you can probably find a lower rate today. So block out anything you think you know about insurance coverage because you’re going to get a crash course in the proper way to find lower rates on insurance coverage.

Insurance Prices Online

Most companies allow you to get coverage prices online. Obtaining pricing doesn’t take much effort as you just type in the amount of coverage you want into a form. Upon sending the form, their rating system requests your credit score and driving record and returns a price. Online price quotes helps simplify price comparisons, but the time it takes to visit multiple sites and enter the same data into a form can get tiresome after awhile. But it is imperative to do this in order to find the lowest possible prices on insurance.

Rate comparisons made easy

The smarter way to find lower prices uses one form to obtain quotes from multiple companies. This type of form saves time, helps eliminate reptitive entry, and makes price shopping online a little more enjoyable. After your information is entered, it gets priced with multiple companies and you can pick any one of the quote results. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. The whole process can be completed in a matter of minutes and could lower your rates considerably.

To quickly use this form to compare rates, click here to open in new window and enter your information. If you have a policy now, it’s recommended you duplicate the coverages exactly as shown on your declarations page. This makes sure you are getting rate quotes based on similar coverages.

Situations that might require an agent

When buying coverage, there really is not a single plan that fits everyone. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that could help you determine if you will benefit from professional help.

  • Do I need PIP coverage since I have good health insurance?
  • Does my 2004 Subaru Baja qualify for pleasure use?
  • Do I need special endorsements for business use of my vehicle?
  • What is an SR-22 filing?
  • Does my insurance cover a custom paint job?
  • Will I be non-renewed for getting a DUI or other conviction?
  • I have health insurance so do I need medical payments coverage?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Insurance coverages and their meanings

Learning about specific coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages found on most insurance policies.

Insurance for medical payments

Med pay and PIP coverage pay for expenses like doctor visits, hospital visits and prosthetic devices. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability insurance

Liability coverage provides protection from damages or injuries you inflict on other people or property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as medical expenses, structural damage and attorney fees. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Collision protection

Collision insurance will pay to fix damage to your Baja resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sideswiping another vehicle, hitting a parking meter and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your 2004 Subaru Baja.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like rock chips in glass, a broken windshield, hail damage and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.