Consumers fed up with high insurance rates and are new to shopping for auto insurance online will discover purchasing cheap WRX insurance can be quite challenging.
Sadly, most drivers have bought auto insurance from the same company for more than four years, and just short of a majority have never compared rate quotes at all. Drivers in California could save as much as 35% each year by just comparing quotes, but they feel it's too difficult to do a rate comparison.
When comparing insurance rates, know that having more price comparisons increases your odds of finding a better price. Some regional insurers cannot provide online price quotes, so it's recommended that you also compare quotes from them, too.
The car insurance companies shown below have been selected to offer free rate quotes in Los Angeles, CA. If multiple providers are shown, it's a good idea that you get rate quotes from several of them in order to find the cheapest rates.
Car insurance is not optional in California
Despite the potentially high cost of Subaru WRX insurance, car insurance is required in California but it also protects you in many ways.
First, almost all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific minimum amount of liability coverage in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if your vehicle has a loan, most lenders will require that you have insurance to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the lender will be forced to insure your Subaru for a much higher rate and require you to reimburse them the higher price.
Third, insurance protects your Subaru and your assets. Insurance will pay for many types of medical costs incurred in an accident. One policy coverage, liability insurance, will also pay for a defense attorney if you cause an accident and are sued. If your Subaru gets damaged, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.
The benefits of having car insurance are without a doubt worth the cost, especially when you need to use it. The average driver in America overpays as much as $855 a year so compare rate quotes once a year at a minimum to help ensure money is not being wasted.
Do you qualify for discounts on Subaru WRX insurance in Los Angeles?
Auto insurance is not an enjoyable expense, but you might be missing out on some discounts that can help lower your rates. Many of these discounts will be applied automatically at the time of purchase, but some may not be applied and must be manually applied prior to getting the savings.
- Safety Course Discount - Passing a driver safety class could possibly earn you a 5% discount and make you a better driver.
- Passive Restraint Discount - Vehicles with factory air bags or motorized seat belts can get savings of up to 25% or more.
- Auto/Life Discount - Companies who offer life insurance give lower rates if you buy life insurance.
- Accident Forgiveness Coverage - Not a discount per se, but certain companies will forgive one accident without raising rates as long as you don't have any claims for a particular time prior to the accident.
- Claim Free - Good drivers with no accidents can save substantially as compared to policyholders that have many claims.
- Discount for New Cars - Putting coverage on a new WRX is cheaper because new model year vehicles keep occupants safer.
- Professional Memberships - Affiliation with certain professional organizations is a good way to get lower rates on your policy.
- Multi-Vehicle Discounts - Drivers who insure primary and secondary vehicles on the same auto insurance policy can get a discount on all vehicles.
While discounts sound great, it's important to understand that most discount credits are not given to the entire cost. Some only apply to the price of certain insurance coverages like medical payments or collision. If you do the math and it seems like all the discounts add up to a free policy, companies don't profit that way.
To locate companies who offer auto insurance discounts in California, follow this link.
Independent and exclusive insurance agencies
Many people just want to get professional advice from a licensed agent and that is OK! The biggest benefit of comparing rates online is that drivers can save money and get cheap insurance rates and still buy from a local agent. Buying from local agencies is important particularly in Los Angeles.
To help locate an agent, after submitting this quick form, your insurance coverage information is submitted to local insurance agents in Los Angeles that provide free Los Angeles car insurance quotes for your insurance coverage. It simplifies rate comparisons since you won't have to contact any agents since price quotes are sent to you directly. It's the lowest rates without requiring a lot of work. If you have a need to get a rate quote from a specific company, you just need to navigate to their website and fill out the quote form the provide.
When finding a reputable insurance agent or broker, it's helpful to know the different types of agencies and how they can quote your rates. Agents in Los Angeles can be categorized as either exclusive agents or independent agents.
Independent Insurance Agencies
Agents in the independent channel do not have single company limitations so they can quote policies with lots of companies and find you the best rates. If your premiums go up, the agent simply finds a different carrier and the insured can keep the same agent. When searching for an agent, you absolutely need to check rates from a few independent agents to get the best comparison. They also have the ability to place coverage with less well-known companies that many times have cheaper rates.
Below are Los Angeles independent agencies that may be able to provide free rate quotes.
- Sean Paul Insurance Agency
3101 Silver Lake Blvd - Los Angeles, CA 90039 - (323) 667-9180 - View Map
- Nationwide Insurance: Caiquo Insurance Agency
5757 W Century Blvd #700 - Los Angeles, CA 90045 - (310) 348-9936 - View Map
- Ken Donaldson Insurance Agency
6108 Venice Blvd - Los Angeles, CA 90034 - (310) 451-4943 - View Map
Exclusive Insurance Agencies
Agents in the exclusive channel work for only one company and some examples include AAA, State Farm, Farmers Insurance, and Allstate. They are unable to shop your coverage around so it's a take it or leave it situation. Exclusive agents receive a lot of sales training on their company's products and that enables them to sell even at higher rates. Drivers often choose to use an exclusive agent mainly due to high brand loyalty and the convenience of having a single billing for all their coverages.
Listed below are exclusive insurance agents in Los Angeles willing to provide price quotes.
- Michael Chien - State Farm Insurance Agent
318 1/2 S La Brea Ave #2 - Los Angeles, CA 90036 - (323) 932-2557 - View Map
- Patricia Aleman - State Farm Insurance Agent
3222 Glendale Blvd b - Los Angeles, CA 90039 - (323) 644-0900 - View Map
- Bob Little - State Farm Insurance Agent
11654 W Pico Blvd - Los Angeles, CA 90064 - (310) 478-2001 - View Map
Choosing the best insurance agent should depend on more than just a cheap price. Any agent in Los Angeles should have no problem answering these questions:
- Where would glass claims be handled in Los Angeles?
- Are there any extra charges for paying monthly?
- Does the agent help file claims?
- Will one accident increase rates?
- Are you getting all the discounts the company offers?
Once you have satisfactory answers to any questions you have as well as a affordable price, it's possible that you found an insurance agent that is reputable and can properly service your insurance policy. Just understand that you can always cancel your policy whenever you wish so never feel you are locked into any particular company indefinitely.
Everyone needs different car insurance coverages
When buying adequate coverage, there isn't really a one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won't apply. For instance, these questions might help in determining if you will benefit from professional help.
- Will damage be repaired with OEM parts?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Am I covered if I hit a deer?
- Exactly who is provided coverage by my policy?
- How high should my medical payments coverage be?
- Is my custom paint covered by insurance?
- Does insurance cover tools stolen from my truck?
- Why do I need rental car insurance?
- When should I drop full coverage on my Subaru WRX?
- Which companies will insure high-risk drivers?
If you don't know the answers to these questions but one or more may apply to you then you might want to talk to 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
Auto insurance specifics
Knowing the specifics of a auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you'll find typical coverages available from auto insurance companies.
Comprehensive auto insurance - This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for things like damage from flooding, a broken windshield, a tree branch falling on your vehicle, hail damage and damage from getting keyed. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.
Coverage for medical expenses - Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for X-ray expenses, doctor visits, pain medications and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay
Liability car insurance - This protects you from damage that occurs to a person or their property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 15/30/5 that translate to a limit of $15,000 per injured person, a per accident bodily injury limit of $30,000, and a limit of $5,000 paid for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability can pay for claims like structural damage, bail bonds, medical expenses, repair bills for other people's vehicles and attorney fees. How much liability should you purchase? That is a personal decision, but it's cheap coverage so purchase as large an amount as possible. California state minimum liability requirements are 15/30/5 but drivers should carry more coverage.
The chart below demonstrates why low liability limits may not provide adequate coverage.
Coverage for uninsured or underinsured drivers - This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your Subaru WRX.
Due to the fact that many California drivers only carry the minimum required liability limits (California limits are 15/30/5), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Collision coverage - This coverage will pay to fix damage to your WRX caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for things such as rolling your car, hitting a parking meter, crashing into a ditch and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It's also possible to choose a higher deductible on your WRX to save money on collision insurance.
Persistence pays off
While you're price shopping online, never buy lower coverage limits just to save a few bucks. There have been many cases where an insured dropped physical damage coverage only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to purchase a proper amount of coverage at the lowest possible cost while still protecting your assets.
You just read some good ideas how to reduce Subaru WRX insurance prices online in Los Angeles. It's most important to understand that the more quotes you get, the better likelihood of getting affordable Subaru WRX insurance quotes. Consumers could even find that the lowest priced auto insurance comes from a small local company. They may often insure only within specific states and give better rates than their larger competitors like Allstate and Progressive.
Much more information about auto insurance in California can be found at these links:
- What is Gap Insurance? (Insurance Information Institute)
- Who Has the Cheapest Los Angeles Auto Insurance for 4x4 Vehicles? (FAQ)
- Who Has the Cheapest Auto Insurance for Veterans in Los Angeles? (FAQ)
- Who Has Affordable Los Angeles Auto Insurance for Electric Cars? (FAQ)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Auto Insurance for Teen Drivers (Insurance Information Institute)