Finding cheaper insurance for a Subaru WRX in Texas can turn out to be an all-consuming task, but you can use our auto insurance buying tips and make it easy. There is a better way to shop for auto insurance and we’ll show you the absolute fastest way to quote coverages for your Subaru and obtain the lowest price from Houston insurance agents and online providers.
You should take the time to shop coverage around yearly because auto insurance prices trend upward over time. Despite the fact that you may have had the best price on Subaru WRX insurance in Houston six months ago you can probably find a better rate quote now. Forget anything you know (or think you know) about auto insurance because you’re about to learn how to use the internet to lower your rates without sacrificing coverage.
Most companies allow you to get prices for coverage online. Comparing prices online for Subaru WRX insurance in Houston is easy for anyone because it’s just a matter of typing in the coverage amounts you desire into the form. When the form is submitted, their quoting system sends out for your driving and credit reports and returns pricing information based on the data you entered.
Being able to quote online for Subaru WRX insurance in Houston helps simplify price comparisons, and it’s also necessary to perform this step if you are searching for the best possible rates on insurance.
To compare rates now, check out the insurance providers below. If you have your current policy handy, we recommend you duplicate the limits and deductibles as close as possible to your current policy. This ensures you will have comparison quotes for similar insurance coverage.
The auto insurance companies shown below have been selected to offer price quotes in Texas. If the list has multiple companies, it’s highly recommended you get rates from several of them to get the best price comparison.
Car insurance is an important decision
Despite the high cost, insuring your vehicle is required for several reasons.
First, the majority of states have minimum mandated liability insurance limits which means you are required to carry specific minimum amounts of liability protection in order to license the vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if your vehicle has a loan, it’s guaranteed your bank will have a requirement that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the lender may have to buy a policy to insure your Subaru at a more expensive rate and require you to reimburse them a much higher amount than you were paying before.
Third, car insurance preserves your vehicle and your assets. It will also cover all forms of medical expenses for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay to repair the damage.
The benefits of insuring your WRX greatly outweigh the cost, especially with large liability claims. The average driver in Texas overpays more than $700 annually so shop around at every renewal to ensure rates are competitive.
The Subaru WRX Insurance Price Equation
Consumers need to have an understanding of some of the factors that play a part in calculating the price you pay for insurance. If you have some idea of what controls the rates you pay, this empowers consumers to make smart changes that can help you get lower premium levels. Multiple criteria are part of the calculation when you quote your car insurance policy. Some of the criteria are obvious like an MVR report, although others are more obscure such as whether you are married or how safe your car is.
Don’t get traffic citations – Being a careful driver has a huge affect on how much you pay. Attentive drivers get better prices compared to bad drivers. Only having one ticket could increase your next policy renewal forty percent or more. Drivers unfortunate enough to have multiple tickets such as DUI or reckless driving are required to complete a SR-22 with their state in order to prevent their license from being revoked.
How much liability coverage do you need? – The liability coverage on your policy will protect you if you are found to be at fault for damages caused by your negligence. It provides legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so do not skimp.
Combine policies and save – Most larger insurers provide lower prices to people who have multiple policies with them. It’s known as a multi-policy discount. Even if you qualify for this discount already, consumers should still get quotes from other companies to ensure the best deal.
Incidental coverages that may not be needed – There are a ton of additional coverages that you can buy on your insurance policy. Insurance for replacement cost coverage, accident forgiveness, and extra life insurance coverage could be just wasting money. They may seem like a good idea when you first buy your policy, but your needs may have changed so think about removing them and cutting costs.
Claims statistics for a Subaru WRX – Companies factor in historical loss data to help calculate premium prices. Vehicles that the data determines to have a trend towards higher claim severity or frequency will have increased rates.
The table below demonstrates the loss history for Subaru WRX vehicles. For each policy coverage type, the claim probability for all vehicles combined as an average is represented as 100. Numbers that are below 100 suggest a better than average loss history, while numbers shown that are more than 100 point to more frequent losses or an increased likelihood of larger losses.
Car Insurance Loss Data for Subaru WRX Models
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Subaru WRX 4WD | 141 | 82 | 158 | 94 | 81 | 84 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Auto insurance quotes and discounts
Auto insurance is expensive, but you may find discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically at quote time, but a few must be requested specifically prior to getting the savings.
- Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you may have a lower total premium amount.
- Multi-line Discount – Not all insurance companies offer life insurance, but some may give you a discount if you purchase life insurance.
- Federal Employees – Having worked for a branch of the government can save as much as 8% depending on your company.
- Claim Free – Insureds who avoid accidents and claims pay less when compared to frequent claim filers.
- Military Deployment Discount – Having an actively deployed family member could be rewarded with lower premium rates.
- Organization Discounts – Being a member of specific professional or occupational memberships or organizations is a simple method to lower premiums on your next auto insurance statement.
- Good Student Discount – Performing well in school can earn a discount of 20% or more. The good student discount can last up until you turn 25.
- Good Driver Discounts – Safe drivers could pay up to 40% less than less cautious drivers.
- Renewal Discounts – Some larger companies reward drivers for buying a new policy prior to the expiration date on your current WRX insurance policy. You may see this discount when you get Houston auto insurance quotes online.
You can save money using discounts, but many deductions do not apply to the whole policy. Most cut specific coverage prices like medical payments or collision. So even though they make it sound like you could get a free auto insurance policy, it’s just not the way it works.
Insurance companies that may offer policyholders some of the above discounts possibly include:
When getting free Houston auto insurance quotes, it’s a good idea to each company which discounts can lower your rates. A few discounts might not be offered on policies in Houston. For a list of insurers with discount rates in Houston, click here.
Local neighborhood agents and auto insurance
A small number of people prefer to sit down with an agent and there is nothing wrong with that. Professional agents are trained risk managers and help you file claims. One of the best bonuses of comparing rate quotes online is you may find cheap auto insurance quotes and still buy from a local agent.
To find an agent, once you fill out this short form, your coverage information is transmitted to local insurance agents in Houston who will give you bids for your business. You won’t even need to contact any agents since rate quotes are delivered directly to your email. If you have a need to compare prices from a particular provider, you just need to jump over to their website and fill out the quote form the provide.
Choosing the best company shouldn’t rely on just the price. Here are some questions you should ask.
- Will high miles depreciate repair valuations?
- What company holds the largest book of business for them?
- Are claims handled at the agent’s location?
- Do they feel the quoted coverages are adequate?
- Who are their largest clients?
- Do they regularly work with personal auto policies in Houston?
- If your car is in the repair shop, do you have coverage for a rental car?
Pick the best auto insurance agent in Houston for you
When finding a local agent, it can be helpful to understand the types of agencies and how they can quote your rates. Auto insurance policy providers can either be exclusive or independent (non-exclusive). Either type can provide auto insurance policies, but it’s a good idea to understand why they differ since it can affect your agent selection.
Exclusive Auto Insurance Agencies
Agents of this type can usually just insure with one company like State Farm, Allstate and AAA. These agents are not able to provide other company’s prices so they have no alternatives for high prices. Exclusive agents are well trained on their company’s products and that can be a competitive advantage. Drivers often buy from exclusive agents mostly because of the prominence of the brand and strong financial ratings.
Shown below is a short list of exclusive insurance agents in Houston that can give you price quotes.
- Lucrecia Jasminoy – State Farm Insurance Agent
223 Cavalcade St – Houston, TX 77009 – (713) 884-1442 – View Map - Brandon Herndon – State Farm Insurance Agent
10103 Fondren Rd #150 – Houston, TX 77096 – (832) 431-4222 – View Map - Donald Malveaux – State Farm Insurance Agent
12001 Richmond Ave #6 – Houston, TX 77082 – (281) 679-7155 – View Map
Independent Insurance Agents
Agents in the independent channel do not work for one specific company so as a result can place your coverage with a variety of different insurance companies and find you the best rates. If they find a lower price, the agent simply finds a different carrier and that require little work on your part.
When comparing rates, we recommend you get some free quotes from at a minimum one independent agency so that you have a good selection of quotes to compare. Most independent agents also contract with companies you’ve never heard of which could offer lower prices.
Below are Houston independent agents that can give you price quote information.
- Jason Jimenez Insurance Agency
8323 Southwest Fwy #390 – Houston, TX 77074 – (713) 270-0073 – View Map - Noveri Insurance Agency
2657 Gessner Rd – Houston, TX 77080 – (713) 460-9400 – View Map - Craig Insurance Agency
1020 Bay Area Blvd # 100 – Houston, TX 77058 – (281) 488-2733 – View Map
Keep this in mind when shopping around
Consumers who switch companies do it for many reasons like denial of a claim, policy non-renewal, not issuing a premium refund or even questionable increases in premium. No matter why you want to switch, choosing a new company is not as difficult as it may seem.
Low-cost Subaru WRX insurance in Houston is definitely available both online in addition to local insurance agencies, and you should compare rates from both to have the best selection. Some companies do not offer online rate quotes and many times these smaller companies work with independent agents.
Throughout this article, we presented many ways to save on Subaru WRX insurance in Houston. The key concept to understand is the more you quote Houston auto insurance, the higher the chance of saving money. Consumers may even find the most savings is with a smaller regional carrier.
To read more, feel free to visit these articles:
- Auto Crash Statistics (Insurance Information Institute)
- Parking Tips to Reduce Door Dings (State Farm)
- Auto Insurance Learning Center (State Farm)