Subaru car insurance

The cost of insuring a Subaru can vary substantially based on several factors, including the model of the car, the driver’s age, and their driving history.

All Subaru cars are subject to rigorous safety checks and crash tests, given the brand’s rally racing origins. This has resulted in excellent safety ratings for their vehicles, which can positively influence insurance costs. Subaru’s family-oriented models, such as the Forester and the Outback, are generally associated with lower insurance premiums due to their safety features and non-sporty nature.

However, models like the Impreza, known for their sporty performance, are often favoured by younger drivers, resulting in higher average insurance premiums due to the perceived increased risk.

Furthermore, the insurance group your Subaru falls into can significantly influence the cost of your insurance. Insurance groups range from 1 to 50, with group 1 being the cheapest and 50 being the most expensive to insure. The group number is determined by factors like the car’s value, repair costs, performance, and safety features.

For Subaru, the insurance groups for some of the popular models are as follows:

• Impreza: Insurance groups 12-18
• Forester: Insurance groups 16-34
• Legacy: Insurance groups 19-22
• Outback: Insurance groups 17-23
• XV: Insurance groups 10-16
• WRX: Insurance groups 40-43
• Brz: Insurance groups 30-31

It’s crucial to remember that these are general guidelines and actual insurance costs can vary based on other factors including the insurer’s individual rating system, the driver’s address, and the level of cover chosen. As such, it’s always a good idea to shop around and compare car insurance for multiple quotes before selecting an insurance policy for your Subaru.

Yes, there are multiple strategies you can employ to potentially lower the cost of your Subaru car insurance.

For young drivers, the following could help decrease the cost:

• Telematics Insurance: This insurance, also known as black box insurance, uses a device to monitor your driving habits. Good driving behaviour could lead to reduced premiums.

• Add a more experienced driver: Including an older and more experienced driver as a named driver on your policy could reduce costs. However, ensure they only use your car occasionally, otherwise, you might be accused of ‘fronting‘, a type of insurance fraud.

• Avoid Modifications: Refraining from adding non-standard modifications to your Subaru could help keep insurance costs down. Modifications can often increase the risk associated with the car, resulting in higher premiums.

For drivers of all ages, these tips could help reduce insurance premiums:

• No-Claims Discount: Building a good no-claims discount over time can significantly reduce your insurance costs. The longer you go without making a claim, the larger your discount will be.

• Increase Voluntary Excess: Agreeing to a higher voluntary excess—the amount you pay before your insurer covers the rest of a claim—can lower your premium. However, make sure you can afford the excess if you need to make a claim.

• Secure Parking: Keeping your car in a secure location overnight, such as a private driveway or garage, can also lower your premium. Cars parked on the street are considered more at risk of theft or damage.

Remember to compare car insurance quotes from various providers to ensure you’re getting the most affordable cover that still meets your needs.

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So, why wait? Compare Subaru car insurance through our platform and discover potential savings on your policy.

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