Vehicles > Subaru > Baja

Subaru Baja Insurance Cost

You have lots of choices when shopping for car insurance for your Subaru vehicle. You can either contact an agent or price shop online to compare rates from car insurance companies. Finding cheaper car insurance from online rate quotes is simple to do and at the same time you can save money.

Finding the best direct price on car insurance is challenging if you have never used online rate quotes. But don't let that discourage you because it's actually quite easy. There are several ways to compare quotes from local car insurance companies. By far the easiest way to compare Baja insurance rates is to perform an online rate comparison. It is quite easy and can be accomplished by comparing rates here.

What influences the rate you pay?

Car insurance premiums for a Subaru Baja will vary greatly subject to many criteria. Taken into consideration are:

  • More performance equals higher cost
  • Your accident history
  • Home/auto policy bundles save money
  • Use of your vehicle
  • Special coverage such as replacement cost
  • Your occupation
  • Your coverage level
  • Whether you rent or own your home

An additional factor which can affect Baja insurance cost is the year of the vehicle. Models that are a few years old have a reduced actual cash value than newer models so repair costs tend to be lower which can decrease annual premiums. On the flip side, newer models may have safety features like pedestrian detection, tire pressure monitors, and autonomous braking so those may lower rates.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your Baja from available model years below.

Liability insurance

Baja liability coverage protects you from damages or injuries you inflict on other people or property that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Collision insurance

This pays for damage to your Subaru caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Baja collision insurance is rather expensive coverage, so consider removing coverage from older vehicles. You can also raise the deductible to get cheaper Baja insurance cost.

Comprehensive protection

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle's occupants when other motorists do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense coverage

Med pay and PIP coverage reimburse you for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay.

How Much are Subaru Baja Insurance Rates?