Cheap 1996 Subaru Impreza Insurance Cost

Want cheaper insurance rates for your Subaru Impreza? If you are a novice to online insurance shopping, you can be confused by the sheer number of insurance providers who claim to have the best insurance rates.

Consumers should take time to price shop coverage once or twice a year due to the fact that insurance rates change frequently. Despite the fact that you may have had the best premium rates for Impreza coverage on your last policy there may be better deals available now. Forget all the misinformation about insurance because I’m going to teach you the proper way to find lower rates on insurance.

Cheapest insurance coverage quotes

To find low cost rates, there are a couple of ways to compare prices from all the different companies. The easiest way by far to lower the rate you pay for Subaru Impreza insurance consists of obtaining rate quotes online. This is very easy and can be done using a couple different methods.

1. The most efficient way to get quotes is a comparison rater form like this one (opens in new window). This form saves time by eliminating a different quote for every prospective company. One form submission gets coverage cost estimates direct from many companies. This is perfect if you don’t have a lot of time.
2. A more difficult way to get quotes online requires visiting each individual company website to request a price quote. For sake of this example, let’s say you want comparison quotes from Geico, Farmers and Liberty Mutual. You would have to take the time to go to each site to enter the same coverage data repeatedly, which is why first method is reommended. For a list of links to insurance companies in your area, click here.
3. The final method to compare price estimates is to drive around to and from local insurance agencies. The internet makes this unnecessary unless you require the personal advice of a local agent. It is possible with some companies price shop your coverage online but buy the policy through an agent.

The approach you take is up to you, just be certain you are entering the same coverages on every quote. If the quotes have higher or lower deductibles then you won’t be able to decipher which rate is best. Quoting even small variations in limits could throw off the whole comparison. Just remember that quoting more helps you find a lower rate than you’re paying now. Some insurance companies are not set up to provide prices over the internet, so you should also compare rates from them as well.

Take advantage of every car insurance discount

Some companies do not list all disounts very clearly, so the list below contains both the well known and also the lesser-known credits available to you.

• Accident-Free Discounts – Claim-free drivers get the best car insurance rates when compared to accident-prone drivers.
• Theft Deterent Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency and can earn a small discount on your policy.
• Discount for Home Ownership – Being a homeowner can get you a discount because maintaining a house demonstrates responsibility.
• Discounts for Government Workers – Active or former government employment could qualify for a slight premium decrease for Impreza coverage depending on your company.
• Professional Organizations – Participating in a professional or civic organization could qualify you for a break when shopping for car insurance.
• Active Service Discounts – Being on active duty in the military may lower your car insurance rates slightly.
• Senior Citizen Rates – Seniors may qualify for a discount up to 10% for Impreza coverage.
• Discount for Low Mileage – Driving less may enable drivers to earn substantially lower prices.

Remember that most discounts do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like medical payments or collision. So when it seems like all the discounts add up to a free policy, nobody gets a free ride.

Larger car insurance companies and a selection of discounts are detailed below.

• Esurance includes discounts for homeowner, online quote, renters, anti-theft, and multi-car.
• The Hartford offers discounts including anti-theft, bundle, good student, driver training, defensive driver, and vehicle fuel type.
• AAA may include discounts for good student, education and occupation, good driver, multi-policy, multi-car, and AAA membership discount.
• Geico has savings for anti-lock brakes, multi-vehicle, defensive driver, five-year accident-free, federal employee, military active duty, and seat belt use.
• State Farm may have discounts that include safe vehicle, multiple autos, multiple policy, Steer Clear safe driver discount, Drive Safe & Save, and student away at school.

Before buying, ask each insurance company to give you their best rates. Some of the earlier mentioned discounts might not be available to policyholders in your area. To see companies with discount car insurance rates, follow this link.

How to know if you need help

When it comes to choosing the right insurance coverage, there is no cookie cutter policy. Every insured’s situation is different.

For instance, these questions may help you determine if your situation would benefit from professional advice.

• What is the minimum liability in my state?
• Does my policy cover my teen driver if they drive my company car?
• Am I covered when pulling a rental trailer?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Are my friends covered when driving my car?
• What are the financial responsibility laws in my state?
• Are rental cars covered under my policy?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form.

How insurance companies calculate Subaru Impreza insurance premiums

The best way to find cheaper car insurance is to take a look at some of the factors that help calculate your premiums. If you know what influences your rates, this enables informed choices that may reward you with lower rates. Multiple criteria are used when quoting car insurance. Some are pretty understandable like an MVR report, although some other factors are not quite as obvious like your vehicle usage or how financially stable you are.

The factors shown below are some of the most rate-impacting factors companies use to determine your rate level.

• A car insurance policy lapse can increase premiums – Allowing your car insurance policy to lapse can be a sure-fire way to increase your renewal premiums. In addition to paying higher premiums, failure to provide proof of insurance could earn you a fine, jail time, or a revoked license. You may need to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
• Stay claim-free and save – If you are the type of insured that files lots of claims don’t be surprised to see higher rates. Insurance companies give the lowest premiums to insureds who are claim-free. Insurance coverage is meant to be used in the event of claims that pose a financial burden.
• Higher deductibles cost less – Physical damage coverage, aka comp and collision, is used to repair damage to your vehicle. A few examples of covered claims are collision with another vehicle, collision with an animal, and burglary. Your deductibles are the amount of money you are required to spend out-of-pocket if a claim is determined to be covered. The more damage repair cost you have to pay, the less your car insurance will be for Impreza coverage.
• Pay more if you have a long commute – Choosing to live in small towns and rural areas has it’s advantages if you are looking for the lowest rates. Fewer drivers on the road translates into fewer accident claims in addition to fewer liability claims. Drivers who live in large cities tend to have traffic congestion and longer commute times. Longer commute distances means more chance of being in an accident.

Car insurance coverage specifics

Having a good grasp of your policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Uninsured or underinsured coverage – This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Subaru Impreza.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these coverages are set the same as your liablity limits.

Auto liability insurance – Liability coverage provides protection from injuries or damage you cause to other people or property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like repair bills for other people’s vehicles, medical services, legal defense fees and pain and suffering. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive protection – Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, a broken windshield and fire damage. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverages – Collision coverage pays for damage to your Impreza resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like driving through your garage door, colliding with another moving vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as hospital visits, X-ray expenses and prosthetic devices. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Find Good Coverage for Less

Consumers who switch companies do it for a variety of reasons including policy cancellation, lack of trust in their agent, delays in responding to claim requests and high prices. It doesn’t matter what your reason, finding the right insurance coverage provider can be easier than you think.

Budget-conscious 1996 Subaru Impreza insurance can be sourced on the web and from local agencies, so you should compare both in order to have the best chance of saving money. Some insurance providers don’t offer rate quotes online and many times these small, regional companies provide coverage only through independent agents.

In this article, we presented a lot of information how to save on 1996 Subaru Impreza insurance. It’s most important to understand that the more you quote auto insurance, the higher your chance of finding cheap auto insurance. You may even discover the lowest car insurance rates are with a small mutual company.

Additional information is located at the links below

• Safety Features for Your New Car (State Farm)
• Car Insurance: When not to Skimp (BankRate.com)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)