Subaru has an impressive line-up of automobiles and SUVs for the 2012 model year. The Impreza, the Impreza WRX, the Legacy, the Outback, and the Forester models offer car buyers substantial, reliable vehicles without sacrificing safety, stylishness, or fuel efficiency. The all-new 2013 BRZ, which is scheduled to be available in the Spring of 2012, is expected to thrill sports car enthusiasts everywhere with its sleek styling, luxurious interiors, and world-famous Subaru handling and innovation.
Finding reasonable insurance coverage for a Subaru model is usually fairly easy. No matter what type of vehicle you are insuring, it makes good financial sense to speak with several different insurance companies to compare quotes. Agents use various criteria to determine what you will pay for an annual premium. SUVs can cost more to insure than sedans simply because they cost more to repair in the event of an accident. They also tend to be driven in a different manner than a family sedan. A sport car type vehicle will most likely increase your insurance rates, also. A vehicle with off-road capability will generally cost more to insure. These facts should be taken into consideration when budgeting for car ownership expenses.
Your personal information is also considered by insurance agents when formulating an insurance policy. Factors which can influence your total cost include your driving history, your age, where you live, and even your credit score. Help keep the price of an annual premium down by maintaining a clean driving record and keeping a good credit report. Also ask about available discounts (low mileage, good student) and consider bundling your different insurance packages together (life, home, car, renter’s etc.).
The good news is that all Subaru models are considered extremely safe and reliable. When an automobile brand has such high safety ratings it usually translates to less expensive insurance costs for the owner. But again, this will depend on your personal driving history and situation.
Risk of theft for Subaru models
The National Insurance Crime Bureau did not list any Subaru models in the top 100 of the most commonly stolen vehicles. This fact can sometimes help lower your insurance premiums so it should be mentioned when writing up your insurance policy.
Subaru Crash Test Results
Every year, The Insurance Institute for Highway Safety awards various car models to its list of Top Safety Picks of 2012. Subaru is the only car manufacturer with Top Safety Picks for all models. To be included, cars must receive a “good” rating in all categories of testing: high-speed front and side crash tests, a rollover test, and evaluations of seat/head restraints for protection against neck injuries in rear impact collisions. The Subaru models which were named are:
- Small cars: Subaru Impreza
- Midsize cars: Subaru Legacy, Subaru Outback
- Small SUVs: Subaru Forester
- Midsize SUVs: Subaru Tribeca
It’s smart to include the cost of insurance when determining what an automobile will cost to own and operate. If you are financing your new or used car, the lender will most likely have certain types of coverage which are required (to protect their investment until the car is paid off) while other coverage may be optional. Remember that every state has minimum requirements with regards to insurance coverage but many times these amounts are dangerously low for true personal protection. Be sure to go over your personal needs and requirements with a qualified agent who can help you formulate a policy which is adequate for your situation.
The following quotes for an annual premium are only estimates and do not reflect what you might actually be charged for a yearly policy. Please use these only as a guideline to determine your costs and remember that every driver is evaluated individually. Insurance costs for a Subaru will generally average just under $1300 for an annual policy. For a Subaru Legacy you can expect to pay around $1342 for an annual premium whereas a Subaru Tribeca will average around $1336. A Subaru Outback will generally run about $1194 and a Subaru Impreza will be about $1263. The Subaru Forester averages around $1300 for annual coverage. These numbers should give you a basis from which you can budget your personal insurance costs.