Marital status, college grad or not, and credit score are probably the biggest parts you can directly alter yourself.

Where you live and age are generally harder to manipulate :)

wow! that's pppretty good price! where do you get that?

im 20,clean record,btw

So what insurance companies actually have a BRZ in their system for quote?

So many of you with clean records or 1 or 2 tickets... I want to say I have like 7 or 8 (just cruising speeds, nothing stupid) over the course of 7 years

My insurance for my WRX though is only ~150 a month though.

Some local company. Says progressive Hawaii on the copy I have lol. We have 3 cars and 3 bikes with them already.

Maybe, but it's not as if you can realistically just decide to get married or graduate from a four-year college/university. Your credit score can somewhat be controlled/monitored throughout your life though, but its effects vary. For example, California does not use credit for auto insurance rates, while most other states do soft credit checks, but its impact isn't always consistent.

However, there are other discounts that you can make yourself eligible for, such as having AAA roadside assistance (which GMAC and certain divisions of Progressive offer discounts for in some states, though you have to have been a member for a minimum of 30 days, so you can't just buy it that same day), banking with certain establishments (specific credit unions and/or banks), multi-policy discounts (which might be a headache for some people but you can just get a renters insurance policy, which would satisfy having two policies with some companies while not costing much extra but still overall saving you money), etc. However, I think that the anti-theft discount (usually when you having a homing device of some sort, like Lo-Jack) is overrated and usually hardly makes a dent. But obviously if you already have it, then ask your insurance agent if that discount is available.

None, as far as I know, and it seems like everyone else who has mentioned their rates/quotes have had quotes done manually rather than having used real BRZ rates underwritten and set by the company.

Ive had 11 tickets total in the past 7 years, along with 4 suspensions across two states. I was a very dumb kid (some say I still am :bellyroll: ). Luckily the last ticket on my record is coming off in June (damn you NJ).

I'm paying a fortune for my G8 right now living in NY. $1750 every 6 months. I had 1 accident (not my fault) and 2 speeding tickets (the last one was 4 years ago). I
Turn 25 on May 17th I'll wait for a quote until then.

Doesn't Subaru have their own insurance program? I hear something about it all the time when I call SOA for my VIN.

I'm not sure about that, though my guess is that they themselves don't insure it (as it's not a good idea, especially over the past ten years where Subaru had more of a sporty image, which attracts drivers who are statistically more likely to be involved in accidents) but have some association deal with a certain company where you don't get special rates, but having a Subaru might get you an association discount equivalent to some other discounts that may already exist. So it's a little misleading.

For example, BMW has a special insurance program too through Liberty Mutual, which I think I read on their site. I don't sell Liberty Mutual, but I do sell Safeco, who is owned by Liberty Mutual and has similar programs, and even though there is not a discount for being a BMW owner (as that association discount might be specific to Liberty Mutual), I did a quote for myself through both, and I remember their discount being the same as what I got for being a college graduate. It just replaces that discount, though of course you don't know that since your paperwork would just list off all of the discounts that the agent clicked on, though certain ones can't be stacked.

I think I vaguely recall the Subaru phone line saying something about Liberty Mutual as well.

Yeah, that Subaru deal with Liberty Mutual is pretty much the same thing that BMW does. Basically you are getting an association discount (which they listed as 10%) but it is likely something where it won't stack on top of other association discounts, assuming that their policies and discounts are set up like Safeco's (which they probably are, since they're part of the same insurance group while offering a lot of the same coverages). To elaborate on that, there are certain discounts that you CAN combine... auto/home will get you the multi-policy discount, which you can get with being a highly skilled/educated worker (based on your level of education and/or your occupation). For example, when I've done quotes, there is a 10% discount for being a four-year college graduate (or better) or a 10-15% discount for having a specific occupation... but it's either one or the other, and you can't combine those. I assume that the Subaru "discount" is just getting you that discount that you probably wouldn't be able to stack on top of other association/education/occupation discounts.

Reading that site, there were a few things I wanted to elaborate on, being an appointed Safeco (part of Liberty Mutual) agent and recognizing a lot of their coverages:

Quote:

Genuine Subaru Replacement Parts on Repairs — factory-tested for accurate stamping, proper fit and superior rust protection to make sure your Subaru stays a Subaru.

This is something that you can get for any car on their policies -- it's called the OEM coverage endorsement. It's not always necessary, but it's a good idea to ensure that you get the right parts, which is a big deal when your car has nicer parts or factory upgrades from what is standard. I think it adds 10% on top of whatever your physical damage coverage (comprehensive and collision together) cost.

Quote:

New Car Total Loss Replacement — if your new Subaru is totaled in the first two years of ownership, and within the first 30,000 miles, you'll get a brand new Subaru.

This is another coverage that you can get for any car on their policies, as long as it's a brand new car and you are the first titled owner of the vehicle.

Quote:

24-Hour Roadside Assistance — keeping you on the road, anywhere in the United States and Canada.

Another coverage available on any of their policies. It's actually really cheap, and even if you already have AAA or something, you should still get it, especially if you end up using all of your towing privileges. It's usually a flat rate, and on my policy, it was only an additional $6.50 to have this for the entire year... which is barely more than 50 cents each month. It's a steal.

This might be part of the above coverage, since it's towing/roadside.

Quote:

Bicycle Replacement — if your bicycle is stolen from your Subaru, we'll pay for the loss of the bicycle as part of your Subaru Advantage Insurance home coverage - and your deductible will be waived.

This one sounds a little new, but I'm curious about the fine print. When they say "Subaru Advantage Insurance home coverage," I'm guessing that they may want to also get your home insurance policy as well, since stolen personal property such as bikes is generally a home/renters insurance claim, regardless of whether it's stolen out of your house or from your car. But it's cool that they waive the deductible, but again, the footnote said that this isn't available in all states, so maybe it's limited to only a few, whereas some of the other coverages do say that they are not available in specific states.

Quote:

Guaranteed Rates for a full 12 months not six — so your savings can really add up.

That is the case as long as your policy is eligible for their preferred program, which is based on certain rating factors, particularly your driving history. If you have more than a certain number of incidents within a given timeframe, that may put you in either their standard or non-standard program, which restricts you to six-month policies, which isn't always a bad thing, but it may not be what some people want. Also, some states just don't offer it or require you to have certain coverages to get the 12-month policy.

But again, they're a good company -- it's nothing against them, just clarifying it a bit because it's really just an advertising/marketing campaign, not so much them reducing rates just for Subaru owners, even though that's what it sounds like.

Additional $258.50 for six months for me. Not every month, $258.50 is for the entire six months on top of my current premium for my other cars.