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Subaru XV Crosstrek Insurance Rates

Buying auto insurance through online rate quotes is easy, plus you will probably save money. The key is to compare rates from all providers so you can get the lowest prices.

People who are new to buying insurance may think buying affordable XV Crosstrek insurance is going to be difficult. Cutting your XV Crosstrek insurance cost can be surprisingly simple. Drivers just need to take a couple of minutes comparing rates from different insurance companies. This can be accomplished by completing this short form.

Rates are impacted by...

Insurance rates paid to insure a Subaru XV Crosstrek will vary greatly based upon several criteria. Including but not limited to:

  • Your driving record
  • Your credit history
  • Men typically pay more than women
  • Low deductibles cost more
  • Crash test rating for your XV Crosstrek
  • No claims lowers premiums
  • No coverage lapses saves money
  • Home ownership saves money

One last important factor that helps determine the rate you pay on your Subaru is the year of manufacture. New vehicles cost more so repair costs are higher which will push premiums up. Conversely, more recent Subaru vehicles may have options such as an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags so those may give discounted rates.

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

Auto liability - Liability insurance will cover damage or injury you incur to a person or their property in an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so purchase as much as you can afford.

Collision - Collision insurance will pay to fix damage to your Subaru from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive auto coverage - This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Medical payments and PIP coverage - Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like EMT expenses, pain medications, and nursing services. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Subaru XV Crosstrek Insurance Rates?