Lower Your 1994 Subaru Impreza Insurance Quotes

Looking for the cheapest insurance coverage rates for your Subaru Impreza? Finding the cheapest insurance for your Subaru Impreza can be difficult, but you can learn the following methods to save time.

There are both good and bad ways to find insurance coverage online and we’ll show you the best way to price shop coverage on a Subaru and find the best price possible either online or from local insurance agents.

Car insurance discounts are available to reduce your rates

Car insurance is neither fun to buy or cheap, but there could be available discounts to reduce the price significantly. Certain credits will be shown at the time of purchase, but some may not be applied and must be asked about before you get the savings.

  • Life Insurance – Some companies give a small discount if you purchase auto and life insurance together.
  • Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you may have a lower total premium amount.
  • Sign Online – Some larger companies provide a small discount for buying your policy on the web.
  • Mature Driver Discount – Drivers that qualify as senior citizens are able to get lower premium rates on Impreza coverage.
  • Discounts for Cautious Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates on Impreza coverage than their less cautious counterparts.
  • Theft Deterent System – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen less frequently and will save you 10% or more.

Drivers should understand that most credits do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like medical payments or collision. So when it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.

A list of car insurance companies and a selection of discounts are shown below.

  • Travelers may have discounts that include student away at school, payment discounts, hybrid/electric vehicle, save driver, and multi-policy.
  • 21st Century may offer discounts for automatic seat belts, good student, air bags, theft prevention, teen driver, and homeowners.
  • State Farm offers discounts for student away at school, accident-free, good student, Steer Clear safe driver discount, safe vehicle, multiple policy, and good driver.
  • Geico offers discounts including defensive driver, seat belt use, membership and employees, driver training, and good student.
  • SAFECO discounts include safe driver, anti-lock brakes, accident prevention training, homeowner, teen safety rewards, and multi-car.
  • AAA policyholders can earn discounts including AAA membership discount, multi-policy, pay-in-full, good student, good driver, and multi-car.

Double check with each company or agent which discounts you qualify for. Savings may not apply to policyholders in your area. To view companies with discount car insurance rates, follow this link.

The Subaru Impreza insurance premium equation

Lots of things are taken into consideration when you quote your car insurance policy. A few of the factors are predictable like your driving record, but other criteria are not as apparent like your continuous coverage or your commute time.One of the most helpful ways to save on insurance is to to have a grasp of some of the elements that help determine the level of your policy premiums. If you have some idea of what impacts premium levels, this allows you to make good choices that could help you find cheaper rates.

The list below includes a few of the things used by companies to determine prices.

  • Adjust deductibles and save – Protection for physical damage, also called ‘full coverage’, insures against damage to your Subaru. Some coverage claims are a dented fender, collision with an animal, and windstorm damage. The deductibles you choose tell how much you are willing to pay out-of-pocket if a covered claim is submitted. The more expense you choose to pay out-of-pocket, the less your company will charge you for insurance on Impreza coverage.
  • Long commutes cost more – The higher the mileage driven every year the more you will pay for insurance. Most companies charge to insure your cars partially by how you use the vehicle. Cars used primarily for pleasure use receive better premium rates than vehicles that are driven to work every day. Verify your declarations sheet reflects the correct usage for each vehicle, because improper ratings can cost you money. Improper usage on your Impreza may be costing you.
  • Youthful drivers cost more – Mature drivers have been proven to be more responsible, cause fewer claims and accidents and tend to be get fewer driving tickets.Young drivers tend to be less responsible in a vehicle so they pay higher insurance rates.
  • Rates increase with driving citations – Your driving citation history has a big impact on rates. Having a single driving citation could increase your next policy renewal by as much as thirty percent. Careful drivers pay lower auto insurance prices than people who have multiple driving citations. Drivers who get severe violations such as reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.
  • Cheaper rates after marriage – Getting married can get you a discount on your insurance policy. Marriage generally demonstrates drivers are more mature and statistics show married drivers get in fewer accidents.
  • Drivers with responsible credit save – An insured’s credit rating is a large factor in determining what you pay. Drivers who have very high credit ratings tend to be better drivers and file fewer claims than those with lower credit ratings. If your credit rating is low, you could be paying less to insure your 1994 Subaru Impreza by spending a little time repairing your credit.
  • Avoid coverage lapses – Not having insurance is a big no-no and you will pay a penalty because you let your coverage have a gap. Not only will you pay more, not being able to provide proof of insurance can result in a hefty fine and possibly a revoked license. You may need to prove you have insurance by filing a SR-22 with your state DMV.
  • Rental and towing coverage may not be needed – There are quite a few extra add-on coverages that can add up if you don’t pay attention. Insurance for things like roadside assistance, better glass coverage, and extra life insurance coverage may be wasting your money. They may seem like a good idea at first, but your needs may have changed so eliminate the coverages to reduce your premium.

Everyone needs different auto insurance coverages

When it comes to buying adequate coverage, there really is no one size fits all plan. Each situation is unique.

Here are some questions about coverages that can help discover if you may require specific advice.

  • What happens if I owe more than my 1994 Subaru Impreza is worth?
  • Do I have coverage when pulling a U-Haul trailer?
  • Why am I required to buy high-risk coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • What is the difference between comprehensive and collision coverage?
  • Does my personal policy cover me when driving out-of-state?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Are my friends covered when driving my car?
  • Do I pay less for low miles?
  • Is motorclub coverage worth it?

If you can’t answer these questions, you might consider talking to an agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Save $445 a year? Really?

Drivers can’t get away from ads that claim the cheapest auto insurance rates from companies such as Geico, State Farm and Progressive. They all state the claim that you’ll save big if you move your coverage to them.

How does every car insurance company charge lower premium rates? This is the trick they use.

Different companies have underwriting criteria for the type of customer that earns them the most money. An example of a driver they prefer might have to be over the age of 45, has other policies, and insures a new vehicle. A propective insured that hits that “sweet spot” receives the best rates and have a good chance to save a lot of money.

Insureds who do not fit this stringent profile may be required to pay a higher rate and this can result in the customer buying from a different company. The trick companies use is to say “customers who switch” not “everyone that quotes” save that much. That’s why insurance companies can make those claims.

Because of these techniques, it is so important to get price quotes at each policy renewal. You cannot predict the company that will fit your personal profile best.

Coverages available on your policy

Understanding the coverages of a insurance policy aids in choosing the right coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like prosthetic devices, funeral costs and doctor visits. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

This coverage can cover damage or injury you incur to a person or their property. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like repair bills for other people’s vehicles, pain and suffering and legal defense fees. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your Subaru Impreza.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually these coverages are similar to your liability insurance amounts.

Collision coverage protection

This coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like rolling your car, crashing into a ditch, hitting a parking meter and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

This pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, falling objects, hail damage, hitting a deer and damage from flooding. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Shop around and save

We’ve covered many tips how you can shop for 1994 Subaru Impreza insurance online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even find the lowest car insurance rates are with an unexpected company.

Insureds who switch companies do it for any number of reasons including not issuing a premium refund, extreme rates for teen drivers, an unsatisfactory settlement offer and even delays in responding to claim requests. It doesn’t matter what your reason, finding a new insurance company is not as difficult as it may seem.

Budget-friendly insurance is attainable from both online companies and also from your neighborhood agents, so you need to shop insurance coverage with both to get a complete price analysis. Some companies may not offer online quoting and many times these small, regional companies prefer to sell through independent insurance agents.

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Comments About 1994 Subaru Impreza Insurance

  1. Cherelle Wheeler

    Located in Billings, MT. Quoted quotes from AAA, MetLife, and Western Auto Insurance for my Impreza and saved $91 a year.

  2. Kelly Wiley

    I’m from Los Angeles, CA. Quoted with American Family, MetLife, and Western Auto Insurance for my Subaru and saved $79 a year. Left 21st Century to switch. Have a couple speeding tickets too. It was easy to get rates.

  3. Donna Santos

    Anyone like their agent?

  4. Trey Dyer

    Hope my rates come down. Quoted with The General for my 1994 Subaru Impreza and cut my rates about $60 a year. I get lower rates because of my clean driving record. I don’t have comp or collision coverage.

  5. Kristie Alford

    I live in Boise, ID. Got rates from AAA, Sentry, and a few others for my Subaru and I think I saved about $20 each month. I get multi-vehicle and multi-policy discounts. Hardly afford to drive anymore. Liability only on my Subaru.

  6. Charlene Ferrell

    If you have a good history and live in the vicinity of Provo, UT, check out State Farm. I saved quite a bit. I got a quote from their website. Not worth enough to pay for comprehensive and collision.

  7. Booker Cervantes

    Will State Farm do a SR22 in Greensboro, North Carolina?

  8. Tish Rosario

    I’m in the south part of Henderson, NV. Received quotes from Progressive, The General, and Eastwood for my Subaru and I’m now saving $14 a month. Ask about discounts.

  9. Meagan Stark

    Great site. Lifelong resident of New Haven, Connecticut. I compared lots of rates. Saved about $20 a month. Allstate was the cheapest option for me. Just go online and compare their rates. Book value doesn’t justify full coverage anymore.