View 1995 Subaru Impreza Insurance Cost

Searching for lower auto insurance rates for your Subaru Impreza? Locating low-cost insurance for a Subaru Impreza can turn out to be a lot of work, but you can use these tips to find lower rates.

There is a better way to shop for auto insurance so you’re going to learn the best way to compare rates for a Subaru and obtain the best price possible from local insurance agents and online providers.

Pay discount rates with these discounts

The cost of insuring your cars can be expensive, but you might be missing out on some discounts that you may not know about. Certain discounts will be applied when you get a quote, but some need to be specifically requested before you get the savings.

  • Air Bags and Passive Restraints – Options like air bags may get savings of more than 20%.
  • One Accident Forgiven – This isn’t a discount exactly, but companies like Allstate and Progressive allow you one accident before raising your premiums if your claims history is clear for a specific time period.
  • Early Renewal Discounts – Select insurance coverage companies give a discount for switching companies prior to your current policy expiration. You could save around 10% when you buy insurance online.
  • Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency so companies will give you a small discount.
  • Resident Student – Any of your kids who live away from home at college and won’t have access to an insured vehicle may be insured at a cheaper rate.
  • Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to fasten their seat belts could cut 10% or more off the medical payments premium.
  • Active Military Service – Being deployed with a military unit could qualify you for better prices.
  • Discounts for Federal Employees – Having worked for a branch of the government could cut as much as 10% off on Impreza coverage but check with your company.
  • Cautious Drivers – Drivers who avoid accidents can save up to 40% or more on their insurance quote on Impreza coverage as compared to drivers with claims.
  • Life Insurance – Not all companies offer life insurance, but some may give you a discounted price on car insurance if you buy life insurance from them.

Please keep in mind that most discount credits are not given to the entire policy premium. Most only cut individual premiums such as physical damage coverage or medical payments. Even though the math looks like all the discounts add up to a free policy, that’s just not realistic.

Larger insurance coverage companies and their offered discounts are:

  • GEICO offers discounts including emergency military deployment, multi-vehicle, defensive driver, air bags, anti-lock brakes, membership and employees, and military active duty.
  • USAA policyholders can earn discounts including multi-policy, driver training, annual mileage, vehicle storage, safe driver, defensive driver, and loyalty savings.
  • Progressive includes discounts for online signing, continuous coverage, multi-policy, multi-vehicle, homeowner, online quote discount, and good student.
  • American Family has discounts for Steer into Savings, good student, good driver, early bird, and accident-free.
  • Esurance has savings for good student, emergency road assistance, online shopper, homeowner, and multi-car.
  • Farmers Insurance discounts include teen driver, distant student, good student, early shopping, pay in full, and business and professional.
  • State Farm may have discounts that include accident-free, driver’s education, Steer Clear safe driver discount, Drive Safe & Save, and safe vehicle.

Before you buy a policy, ask each company or agent how you can save money. Some of the discounts discussed earlier might not be available to policyholders in every state. To choose insurance coverage companies that offer some of these discounts, click this link.

What affects Subaru Impreza insurance prices?

An important part of buying insurance is that you know the factors that help calculate your premiums. If you have a feel for what influences your rates, this enables informed choices that will entitle you to better car insurance rates. Many different elements are used in the calculation when premium rates are determined. Some factors are common sense like your driving record, but other factors are more obscure such as whether you are married or your commute time.

The itemized list below are just a few of the factors utilized by car insurance companies to help set your rates.

  • Married drivers get cheaper premiums – Being married helps lower the price compared to being single. Having a spouse is viewed as being more stable financially and statistics show married drivers get in fewer accidents.
  • Gender and insurance premiums – Over the last 30 years, statistics show that women are safer drivers than men. Now that doesn’t mean females are better drivers. Females and males cause accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. In addition to higher claims, males also receive more major tickets such as reckless driving. Males from age 16 to 21 cause the most accidents so it costs more to insure them.
  • Location can influence price – Residing in a rural area is a good thing when it comes to car insurance. People in densly populated areas regularly have congested traffic and longer commutes to work. Lower population translates into fewer accidents and also fewer theft and vandalism claims.
  • Poor driving means higher prices – Even one driving citation may cause rates to rise to the point where it’s not affordable. Careful drivers get better rates as compared to careless drivers. Drivers unfortunate enough to have multiple citations such as DUI or reckless driving may find that they have to to file a SR-22 with their state motor vehicle department in order to continue driving.
  • Do you work long hours in a stressful job? – Jobs such as fire fighters, architects and medical professionals tend to pay higher rates than the rest of us due to stressful work requirements and extremely grueling work hours. On the other hand, careers such as farmers, students and retirees have lower than average premiums on Impreza coverage.

Your situation helps dictate your coverage

When choosing coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that might point out whether your personal situation could use an agent’s help.

  • What is PIP insurance?
  • Am I covered when driving a rental car?
  • When should my teen driver be added to my policy?
  • Is my state a no-fault state?
  • Can I still get insurance after a DUI?
  • Why does it cost so much to insure a teen driver?
  • Do I have coverage when pulling a U-Haul trailer?
  • When should I remove comp and collision on my 1995 Subaru Impreza?
  • When should I buy a commercial auto policy?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can help protect your family.

Do car insurance companies bend the truth?

Drivers can’t get away from all the ads that claim the best premium rates from companies such as State Farm, Allstate and GEICO. All the companies make an identical promise that you can save if you get a free insurance quote and switch your car insurance coverage to their company.

How can each company sell you cheaper insurance coverage? It’s all in the words they use.

Different companies have strict underwriting profiles for the type of driver that will be a good risk. For instance, a profitable risk profile may be a married male, has had continuous coverage, and has a high credit rating. Any driver who matches those parameters will get the preferred auto insurance rates and is almost guaranteed to cut their rates if they switch.

Consumers who fall short of this ideal profile may receive higher prices and this can result in business going elsewhere. The ad wording is “people that switch” not “everyone who quotes” can save as much as they claim. That’s why companies can make claims that they all have the best prices.

This really illustrates why you really should get insurance quotes as often as possible. Because without a comparison, you cannot know the company that will have the best premium rates at this point in time.

Detailed coverages of your auto insurance policy

Having a good grasp of auto insurance can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive insurance

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as theft, hitting a deer, a broken windshield and vandalism. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto liability

This coverage can cover damage or injury you incur to a person or their property in an accident. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as loss of income, funeral expenses, repair costs for stationary objects, bail bonds and structural damage. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Auto collision coverage

This pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a ditch, colliding with another moving vehicle, sustaining damage from a pot hole and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for immediate expenses for things like dental work, EMT expenses and prosthetic devices. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Subaru Impreza.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Save your cold hard cash

You just learned a lot of techniques to compare 1995 Subaru Impreza insurance rates online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your car insurance rates. Consumers could even find that the best rates are with some of the smallest insurance companies.

Consumers switch companies for a variety of reasons including unfair underwriting practices, high prices, high rates after DUI convictions and even extreme rates for teen drivers. Regardless of your reason for switching companies, choosing a new insurance company is not as difficult as it may seem.

Some insurance companies may not have online price quotes and many times these small insurance companies sell through independent insurance agencies. More affordable insurance is available online and from local insurance agents, and you need to comparison shop both to have the best chance of lowering rates.

Much more information about insurance is located at these links:

Comments About 1995 Subaru Impreza Insurance

  1. Amina Petty

    Not sure what I should be paying. I’m just west of Jackson, MS. I got free quotes from Allstate, Liberty Mutual, and Farmers for my Subaru and saved about $90 a year. Left Mercury to switch. My new agent seems to be really good. Still almost need a second mortgage.

  2. Macy Mcintosh

    Does State Farm offer new car replacement?

  3. Yessenia Mitchell

    I found pretty cheap rate quotes for a 1995 Subaru Impreza in Birmingham, AL. Ended up at right around $100 every six months with AIG Insurance. Left Hanover to switch. Hopefully won’t need it. I just carry liability insurance.

  4. Adrianna Brennan

    Went with GEICO for my Subaru and am saving around $80 a year. Get lots of quotes to find the best rate.

  5. Sean Pate

    Cheaper not always better. From northwest of Concord, New Hampshire. I got free quotes from 21st Century, Farmers, and GMAC for my 1995 Subaru Impreza and saved about $70 a year. Left AIG Insurance to switch. I quoted rates online then called them. Not worth enough to pay for comprehensive and collision.

  6. Isreal Wood

    Any State Farm or Esurance customers near Norman, OK?

  7. Vertie Davenport

    Does Progressive insure after a DUI?

  8. Leatrice English

    Thought I’d throw in my experience. I live in Norfolk, Virginia. Can’t remember who all I quoted but I ended up saving about $10 each month. Insured with 21st Century before. Bought it from an online quote. Only insure liability on my Impreza.

  9. Lucy Barnett

    What exactly does liability cover?

  10. Francie Mooney

    Anyone know of any company in Minneapolis, MN that will insure high risk drivers?

  11. Camelia Dawson

    I compared a lot of rate quotes for a 1995 Subaru Impreza in South Burlington, Vermont. Ended up at roughly $120 every six months with AAA. Get lots of quotes to find the best rate.

  12. Carolyn Castro

    I found pretty cheap rate quotes for a 1995 Subaru Impreza in Charleston, WV. Ended up at about $110 every six months with American Family. Left Erie to switch. They have a lot of discounts available. Not sure if rates are cheaper online or not.