Are you looking for a better way to compare the cheapest Subaru BRZ insurance in Philadelphia? Finding cheaper insurance for a Subaru BRZ in Pennsylvania can turn out to be an all-consuming task, but you can follow our car insurance buying tips to find lower rates.
There is a right way and a wrong way to buy car insurance and we’ll show you the best way to quote coverages for your Subaru and obtain the lowest price.
It’s a great practice to do price comparisons before your policy renews because insurance prices are constantly changing. Just because you had the best rates on Subaru BRZ insurance in Philadelphia on your last policy you can probably find a better rate quote now. Forget anything you know (or think you know) about car insurance because you’re about to learn one of the best ways to find great coverage at a great price.
Pricing the best-priced protection in Philadelphia can be fairly easy. If you have a policy now or are looking for a new policy, you will benefit by learning to get lower rates while maximizing coverage. Consumers only need an understanding of the quickest method to compare price quotes online.
Companies offering low-cost Subaru BRZ price quotes in Philadelphia, PA
The companies shown below are our best choices to provide free rate quotes in Philadelphia, PA. If multiple companies are listed, we suggest you get price quotes from several of them to get the best price comparison.
Earn discounts on Philadelphia insurance
Companies offering auto insurance don’t always publicize every available discount very clearly, so the list below contains a few of the more common and also the more inconspicuous credits available to bring down your rates.
- Membership in Organizations – Joining a qualifying organization could trigger savings on your next insurance statement.
- Payment Discounts – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
- Philadelphia Homeowners Pay Less – Just owning your own home may trigger a policy discount on insurance because maintaining a house is proof that your finances are in order.
- Discount for Low Mileage – Low mileage vehicles may allow you to get discounted prices on garaged vehicles.
- Sign Early and Save – Some larger companies give discounts for signing up prior to your current BRZ insurance policy expiring. It’s a savings of about 10%.
A quick disclaimer, most discounts do not apply to the entire cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think you can get free auto insurance, that’s just not realistic.
A partial list of companies that have these money-saving discounts are:
When getting free Philadelphia car insurance quotes, it’s a good idea to each insurance company which discounts they offer. Savings may not apply in your state. To find providers that offer some of these discounts in Pennsylvania, click here.
Eight Things That Impact Your Insurance Prices
One of the most helpful ways to save on insurance is to to have a grasp of the different types of things that are used to determine the rates you pay for insurance. If you know what determines premiums, this empowers consumers to make smart changes that may reward you with lower rates. Many things are used in the calculation when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, although others are less obvious like your vehicle usage or how financially stable you are.
The factors shown below are some of the things that factor into rates.
Filing claims can cost you – Auto insurance companies in Pennsylvania award better rates to people that do not abuse their auto insurance. If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Your car insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
Know your vehicle’s NHTSA crash test rating – Safe vehicles tend to have better insurance rates. Highly rated vehicles reduce injuries and fewer serious injuries means lower claim amounts which can result in lower premiums.
Older drivers save more – Beginning drivers in Pennsylvania have a tendency to be inattentive when driving with friends so they pay higher insurance rates. If you’ve ever had to add a beginning driver onto a policy can cause a big jump in price. Mature drivers are more responsible, tend to file fewer claims, and get fewer tickets.
No policy gaps is important – Driving without insurance coverage in place is illegal and any future policy may cost more because you let your coverage cancel without a new policy in place. And not only will your rates increase, failure to provide proof of insurance will get you fines and jail time.
Bundling policies can get discounts – Many insurance companies give better rates to insureds who have multiple policies with them in the form of a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even if you already get this discount, you still need to check prices from other companies to ensure the best deal.
Infrequent drivers can save – The more you drive your Subaru each year the more you’ll pay to insure your vehicle. A lot of companies apply a rate based on how the vehicle is used. Vehicles that are left in the garage cost less to insure as compared to vehicles used primarily for driving to work. It’s always a good idea to double check that your insurance policy properly reflects how each vehicle is driven, because it can save money. Incorrect rating for your BRZ may be wasting your money.
City traffic equals higher premiums – Living in less populated areas has it’s advantages when talking about insurance. Less people living in that area means reduced accidents and a lower car theft rate. Drivers in populated Pennsylvania areas have to deal with more aggressive driving styles and longer commutes to work. More time commuting statistically corresponds to a higher accident and claim rate.
Driving citations will cost you – Getting just one chargeable violation could increase your next policy renewal forty percent or more. Drivers with clean records tend to pay less for car insurance as compared to careless drivers. Drivers who have received flagrant violations such as DUI, reckless driving or excessive speeding might be required by their state to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to legally drive.
Insurance loss statistics a Subaru BRZ – Auto insurance companies use past insurance losses to help calculate a profitable premium price. Models that statistically have increased claim numbers or amounts will be charged more to insure.
The table below demonstrates the collected loss data for Subaru BRZ vehicles. For each coverage category, the claim amount for all vehicles averaged together is equal to 100. Numbers below 100 suggest a positive loss record, while values that are 100 or greater point to more losses or statistically larger losses.
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Subaru BRZ | 156 | 78 | 150 | 87 | 88 | 76 |
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Auto insurance agents can help
A lot of people would prefer to sit down and talk to an agent and that is just fine! Professional insurance agents can answer important questions and help in the event of a claim. A good thing about comparing auto insurance online is you may find cheap rate quotes and still have an agent to talk to. And providing support for local agents is especially important in Philadelphia.
To make it easy to find an agent, after completing this form (opens in new window), your insurance data is submitted to participating agents in Philadelphia who will give you bids for your insurance coverage. It simplifies rate comparisons since you won’t have to contact any insurance agencies since rate quotes are delivered to the email address you provide. If you wish to quote rates from a particular provider, you can always jump over to their website and fill out the quote form the provide.
Choose the right car insurance agent
If you want a good insurance agency, it’s helpful to know the types of agencies to choose from. Agents in Philadelphia may be either exclusive or independent (non-exclusive). Both can handle auto insurance, but it’s a good idea to understand how they are different because it can influence which type of agent you select.
Independent Auto Insurance Agents (or Brokers)
These type of agents are not locked into one company and that gives them the ability to insure with many different companies and find the cheapest rate. If your agent finds better pricing, they simply move the coverage in-house and you can keep the same agent.
If you are comparing rate quotes, we recommend you get several quotes from at least one independent agent for maximum quote selection. A lot of them also have access to less well-known companies which can save you money.
Listed below is a small list of independent agencies in Philadelphia that may be able to provide free auto insurance rate quotes.
- The Perzel Agency, Inc.
7338 Frankford Ave – Philadelphia, PA 19136 – (215) 335-6878 – View Map - Accu Insurance Agency
7010 Elmwood Ave – Philadelphia, PA 19142 – (215) 726-0270 – View Map - Martin Insurance
5700 Delancey St – Philadelphia, PA 19143 – (215) 471-6860 – View Map
Exclusive Insurance Agents
Exclusive agents have only one company to place business with like Farmers Insurance or State Farm. Exclusive agencies are unable to provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agents are usually well trained on the products they sell and that enables them to sell even at higher rates. Many people purchase coverage from exclusives primarily because of the prominence of the brand rather than low rates.
Listed below is a short list of exclusive agents in Philadelphia willing to provide rate quotes.
- Michael DeCarlo – State Farm Insurance Agent
326 S 19th St Ste 2 – Philadelphia, PA 19103 – (215) 772-0100 – View Map - Dennis Jackson – State Farm Insurance Agent
6200 Frankford Ave – Philadelphia, PA 19135 – (215) 289-5179 – View Map - Erica Bantom Martin – State Farm Insurance Agent
1124 S Broad St – Philadelphia, PA 19146 – (215) 875-8100 – View Map
Finding a good car insurance agent should depend on more than just a cheap price quote. Ask your prospective agent these questions:
- What kind of financial rating does the company have?
- Do they offer accident forgiveness?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Can glass repairs be made at your home?
- How is replacement cost determined on your vehicle?
Quote more and you will save more
There are still a few companies who may not provide rates over the internet and usually these smaller companies only sell through independent insurance agents. Cheap Subaru BRZ insurance in Philadelphia can be found both online as well as from insurance agents, so compare prices from both to have the best chance of lowering rates.
Insureds leave their current company for any number of reasons including policy cancellation, questionable increases in premium, high prices and even unfair underwriting practices. No matter why you want to switch, choosing a new company is less work than it seems.
In this article, we covered many ways to reduce Subaru BRZ insurance premium rates online in Philadelphia. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may even find the lowest premium rates come from a small mutual company.
More tips and info about insurance can be found in the articles below:
- Crash Avoidance Technologies FAQ (iihs.org)
- How Much are Philadelphia Car Insurance Rates for a Ford Escape? (FAQ)
- Who Has Affordable Philadelphia Auto Insurance for Low Credit Scores? (FAQ)
- Who Has Cheap Auto Insurance for a School Permit in Philadelphia? (FAQ)
- What is the Cheapest Car Insurance in Philadelphia, Pennsylvania? (FAQ)
- Distracted Driving Statistics (Insurance Information Institute)
- How to Avoid Staged Accidents (State Farm)
- Information for Teen Drivers (GEICO)
- Distracted Driving Extends Beyond Texting (State Farm)