Save on 1993 Subaru Impreza Insurance Cost

Car owners who just recently started comparing insurance coverage rates on the web might discover purchasing cheaper insurance is not as easy as it seems.

Smart consumers take time to take a look at other company’s rates periodically because insurance rates change quite often. Just because you had the best deal for Impreza coverage last year you can probably find a better price now. Forget anything you know (or think you know) about insurance coverage because you’re about to find out the best way to find better coverage at a better price.

Learn how to buy car insurance more affordably

Multiple criteria are considered when quoting car insurance. Some are pretty understandable such as your driving record, but other criteria are more obscure such as your marital status and annual miles driven.

Listed below are some of the things used by insurance companies to determine prices.

  • Alarms and GPS tracking lowers prices – Selecting a car model with anti-theft technology or alarm system can help lower your rates. Anti-theft features like OnStar, LoJack tracking, and tamper alarms can thwart auto theft and help lower rates.
  • Your stress level may be raising your premiums – Occupational choices like doctors, social workers and miners tend to pay higher premiums than the average policyholder due to intense work situations and long work days. Other professions such as professors, athletes and performers pay lower than average rates for Impreza coverage.
  • Gender as a rate factor – Statistics show that females take fewer risks when driving. However, don’t assume that females are better drivers. They both are in auto accidents at about the same rate, but guys have accidents that have higher claims. Men also statistically get higher numbers of serious violations such as reckless driving.
  • Liability risk factors in – The liability coverage on your policy is the coverage that protects you if you are found liable for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court which can cost thousands of dollars. Liability insurance is pretty cheap compared to physical damage coverage, so do not skimp.
  • Safety ratings are a factor – Vehicles that have high safety ratings get lower rates. Vehicles built for safety reduce injuries and fewer injuries translates directly to fewer claims and thus lower rates. If your Subaru Impreza earned at least four stars on you are probably receiving a discount.
  • Get a ticket, pay higher premiums – Your driving record has a big impact on rates. Even a single chargable violation may cause rates to rise by twenty percent. Drivers who don’t get tickets pay lower auto insurance prices compared to drivers with tickets. Drivers with severe violations such as reckless driving, hit and run or driving under the influence may need to maintain a SR-22 to the state department of motor vehicles in order to prevent their license from being revoked.
  • How many coverages with the same company – Lots of car insurance companies provide discounts to policyholders who carry more than one policy, otherwise known as a multi-policy discount. Discounts can add up to ten percent or more. Even if you already get this discount, you may still want to compare rates to confirm you are receiving the best rates possible.
  • Bad credit hurts insurance premiums – Having a bad credit history is a large factor in determining what you pay. Insureds that have excellent credit tend to file fewer claims and have better driving records than drivers with bad credit. If your credit history can use some improvement, you could be paying less to insure your 1993 Subaru Impreza by taking the time to improve your credit score.

Which insurance is cheapest?

Effectively comparing insurance prices is a ton of work if you don’t understand the fastest way to get free quotes. You can waste a lot of time talking about coverages with insurance agencies in your area, or you can utilize the web to accomplish the same thing much quicker.

Most major companies belong to a marketplace where insurance shoppers submit their information once, and each participating company can give them a price. This prevents consumers from doing form submissions to each company.

To find out how much you can save on insurance click here to start a free quote.

The single downside to using this type of system is that you can’t choose the companies you will receive quotes from. So if you prefer to choose individual companies for rate comparison, we have a listing of insurance companies in your area. Click here to view list.

Which method you use is up to you, but ensure you’re using the same coverages on every quote you get. If you compare differing limits it’s not possible to make an equal comparison. Quoting even small variations in limits can mean a large discrepancy in price. And when price shopping your coverage, getting more free quotes provides better odds of finding better pricing. Not every company provides price estimates online, so it’s necessary to compare price quotes from them, too.

Save 15 percent in 15 minutes? Is it for real?

Car insurance providers like 21st Century, Allstate and State Farm endlessly run television, radio, and online ads. All the ads have a common claim of big savings if you change your coverage to them. It sounds good, but how can they all lower your premium rates?

All the different companies provide the lowest rates for the type of driver that earns them a profit. A good example of a preferred risk might be a mature driver, insures multiple vehicles, and drives a vehicle with a low ISO rating. A propective insured that fits those parameters will probably get cheap auto insurance rates as well as save quite a bit of money when switching.

Potential insureds who are not a match for these criteria will be quoted higher rates and ends up with the driver buying from a lower-cost company. The ad wording is “drivers who switch” but not “everyone who gets a quote” save the amount stated. That’s the way companies can truthfully state the savings. Each company has different criteria, so it is so important to compare rate quotes every year. Because you cannot predict which company will fit your personal profile best.

Get cheap insurance with discounts

Car insurance can cost a lot, but there’s a good chance there are discounts to help offset the cost. Larger premium reductions will be automatically applied when you complete an application, but some need to be specially asked for before you will receive the discount.

  • New Vehicle Savings – Adding a new car to your policy may earn a small discount because new model year vehicles keep occupants safer.
  • Pay Upfront and Save – If paying your policy premium upfront as opposed to paying monthly you may reduce your total bill.
  • Discount for Swiching Early – A few companies offer discounts for signing up prior to the expiration date on your current policy. It can save you around 10%.
  • Waiver for an Accident – This one isn’t a discount, but some insurance companies allow you one accident before raising your premiums if you have no claims for a certain period of time.
  • Distant Student – Any of your kids who are enrolled in a college that is more than 100 miles from home and leave their car at home could get you a discount.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of 20% or more.
  • Multi-Vehicle Discounts – Purchasing coverage when you have multiple cars with the same insurance company can get a discount for every vehicle.
  • Save over 55 – Seniors are able to get lower premium rates for Impreza coverage.
  • Paperless Signup – A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.

Discounts save money, but please remember that some of the credits will not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like medical payments or collision. So when the math indicates all the discounts add up to a free policy, insurance companies aren’t that generous. Any amount of discount will help reduce your premiums.

A list of insurance companies and the discounts they provide are outlined below.

  • AAA may have discounts that include education and occupation, anti-theft, AAA membership discount, multi-policy, and pay-in-full.
  • Progressive policyholders can earn discounts including homeowner, continuous coverage, multi-vehicle, multi-policy, online quote discount, and good student.
  • State Farm offers discounts including passive restraint, good driver, multiple autos, defensive driving training, and Drive Safe & Save.
  • Esurance may include discounts for homeowner, anti-lock brakes, Pac-12 alumni, renters, and online quote.
  • Nationwide may offer discounts for Farm Bureau membership, multi-policy, business or organization, family plan, easy pay, and good student.

When getting a coverage quote, ask all the companies what discounts are available to you. Discounts might not be offered on policies in your area. If you would like to choose from a list of insurance companies with discount insurance rates, click this link.

Tailor your insurance coverage to you

When choosing the best insurance coverage, there really is no “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that might point out if you might need professional guidance.

  • Do I need replacement cost coverage?
  • Do I pay less for low miles?
  • Does having multiple vehicles earn me a discount?
  • Do I need roadside assistance coverage?
  • Is upholstery damage covered by car insurance?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered if I wreck a rental car?
  • Should I drop comprehensive coverage on older vehicles?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Parts of your auto insurance policy

Having a good grasp of auto insurance can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for expenses such as EMT expenses, X-ray expenses, prosthetic devices, dental work and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability auto insurance

This coverage protects you from damage that occurs to people or other property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims such as attorney fees, medical expenses, emergency aid, medical services and bail bonds. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Comprehensive protection

This covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, hail damage and damage from getting keyed. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured or underinsured coverage

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your Subaru Impreza.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Collision insurance

This will pay to fix damage to your Impreza from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like colliding with another moving vehicle, hitting a mailbox, sideswiping another vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Save your hard earned cash

In this article, we presented many tips how you can save on 1993 Subaru Impreza insurance. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding affordable insurance. You may be surprised to find that the lowest priced auto insurance comes from some of the lesser-known companies.

A few companies don’t offer online quoting and most of the time these smaller providers work with local independent agents. Cheaper 1993 Subaru Impreza insurance can be bought both online in addition to local insurance agencies, and you should compare price quotes from both to have the best selection.

When shopping online for auto insurance, it’s a bad idea to buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced liability coverage limits and discovered at claim time that the savings was not a smart move. The proper strategy is to buy the best coverage you can find for the lowest cost, not the least amount of coverage.

More tips and info about auto insurance can be found at these sites:

Comments About 1993 Subaru Impreza Insurance

  1. Kylie Maxwell

    Will 21st Century raise rates after an accident?

  2. Whitney Barton

    If you don’t have tickets and live around Huntington, West Virginia, check out State Farm. You might get cheaper rates. Was with Hanover. Only insure liability on my Impreza.

  3. Andera Donaldson

    Located in Billings, MT. Received prices from Auto-Owners, Sentry, and USAA for my 1993 Subaru Impreza and saved $98 a year. I have kids on my policy, too. Liability only on my Subaru.

  4. Moshe Vaughn

    Thought I’d throw in my experience. I live in a small town just outside of Providence, RI. Got car insurance quotes with Progressive, Esurance, and The General for my Subaru and saved $104 a year. I increased coverages a little too. Did it all online.

  5. Rebbeca Sears

    I live just outside Bangor, Maine. I got free quotes with Travelers, AIG Insurance, The General, and Mercury for my Impreza and saved just over $110 a year. A clean driving record helps. Highly recommended. When should I drop full coverage?

  6. Kerry Ramirez

    If you have a good history and live around Kansas City, KS, check out Allstate. I saved quite a bit. I increased coverages a little too. It’s too old for full coverage.

  7. Taryn Simpson

    Went with MetLife for my Subaru and saved about $60 a year. I think I’ll get rid of full coverage next time.

  8. Allan Estrada

    Anyone buy from AIG Insurance? I’m in Jacksonville, FL.

  9. Tiffani Bradford

    I got decent rates for a 1993 Subaru Impreza in Lincoln, NE. Ended up at right around $70 every six months with AAA. Left Auto-Owners to switch. Teenage drivers are expensive!

  10. Roxane Cote

    Went with AIG Insurance for my 1993 Subaru Impreza and saved around $70 a year. Can still barely afford it.

  11. Vita Rhodes

    I was with The General last year but switched to Allstate. I live in Dover, Delaware. Left Progressive to switch. I have kids on my policy, too. I got a quote from their website. I think I’ll get rid of full coverage next time.

  12. Carmen Simpson

    Will Progressive raise rates for a rock chip claim?

  13. Agustina Pope

    Nice info. I live in a small town just outside of Worcester, MA. I compared lots of rates. Saved right around $20 a month. State Farm was the cheapest for me. I even had a DUI years ago. Highly recommended.