Lower Your 1997 Subaru Impreza Car Insurance Cost

Comparing and finding cheap prices for Driversinsurance could be nearly impossible for drivers who have little experience online insurance quotes. With so many insurers to choose from, it can easily turn into a real challenge to locate the lowest price.

If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these tips. The purpose of this article is to help educate you on how car insurance quotes work and some money-saving tips. But vehicle owners must know how companies price online insurance and use this information to your advantage.

Six tips to get cheaper insurance costs

Consumers need to have an understanding of the factors that go into determining the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay, this enables you to make decisions that will entitle you to lower rates. Lots of things are part of the equation when you get a price on insurance. A few of the factors are predictable such as traffic violations, although some other factors are not quite as obvious like where you live or how financially stable you are.

• Do you save by driving less? – Driving more miles every year the higher your rates will be. Most insurance companies rate vehicles based upon how the vehicle is primarily used. Cars and trucks that do not get driven very much can get a lower rate than those used for commuting. It’s a good idea to make sure your policy shows the correct driver usage, because it can save money. Having an incorrect usage rating on your Impreza may be costing you higher rates.
• Tickets and citations cost more than a fine – Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. Even a single speeding ticket can increase the cost of insurance by twenty percent. Drivers with flagrant violations such as hit and run, DWI or reckless driving convictions are required to maintain a SR-22 with their state’s licensing department in order to legally drive.
• Extra policy coverages can waste money – There are many extra add-on coverages that can waste your money when buying car insurance. Insurance for rental car reimbursement, towing coverage, and extra life insurance coverage are examples of these. They may seem good when buying your policy, but your money might be better spent on other coverage so remove them and pocket the money.
• An active policy claims history can increase rates – If you frequently file small claims, you can pretty much guarantee higher premiums or even policy non-renewal. Insurance companies award better rates to people that do not abuse their auto insurance. Insurance coverage is intended for major claims that would cause financial hardship.
• Maintain car insurance coverage – Driving with no insurance can get you a ticket and companies may charge more for letting your coverage cancel without a new policy in place. Not only will you pay higher rates, not being able to provide proof of insurance might get you a steep fine or even jail time. You may then have to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
• Get hitched and get cheaper prices – Walking down the aisle helps lower the price on car insurance. Having a spouse is viewed as being more mature and responsible and statistics show married drivers tend to file fewer claims.

Buy insurance coverage online

There are multiple methods to compare insurance coverage quotes, but one way is more efficient than others. You can waste a lot of time talking to agents in your area, or you can utilize online quoting for quick rates.

Most of the best insurance companies take part in a program that allows shoppers to submit one quote, and every company then gives them pricing based on that data. This prevents consumers from doing quote forms to each company.

To compare rates now click to open in new window.

The one downside to comparing rates this way is that you can’t choose the insurers you want to price. If you would rather choose individual companies to compare rates, we have a listing of low cost insurance coverage companies in your area. Click to view list.

You can use whichever method you prefer to find lower rates, just compare identical information on every price quote you get. If you are comparing different coverage information it’s impossible to get a fair rate comparison. Quoting even small variations in insurance coverages or limits can mean a large discrepancy in price. And when comparison shopping, having more price comparisons will enable you to find lower pricing.

Misconceptions in insurance coverage advertisements

Insurance coverage providers like Allstate, Geico and Progressive seem to constantly run ads in print and on television. They all try to convey promises of big savings if you just switch your insurance coverage policy to them. It sounds good, but how can they all offer you a better deal? This is the way they can do it.

Insurance coverage companies have specific characteristics for the type of driver that earns them a profit. For example, a profitable customer might be a married male, is a homeowner, and drives less than 10,000 miles a year. Any person that matches those criteria will get the preferred premium rates and is almost guaranteed to save when they switch companies.

Potential insureds who don’t meet those criteria will be charged a more expensive rate with the end result being the customer buying from a different company. The ad wording is “drivers that switch” but not “all drivers who get quotes” save that much money. That’s the way insurance companies can confidently make those statements. This really drives home the point why it’s extremely important to compare rate quotes every year. It’s just too difficult to predict which insurance companies will fit you best based on your risk profile.

Cheaper car insurance rates with discounts

Some insurers do not list their entire list of discounts very clearly, so the following is a list of a few of the more common in addition to some of the lesser obvious credits that you can use to lower your rates.

• Good Grades Discount – Maintaining excellent grades could provide a savings of up to 20% or more. The discount lasts well after school through age 25.
• Military Deployment Discount – Having a family member in the military may qualify for rate reductions.
• College Student – Children who attend college more than 100 miles from home and won’t have access to an insured vehicle can receive lower rates.
• Safe Driver Discount – Drivers who avoid accidents can save up to 40% or more on their insurance quote on Impreza insurance than their less cautious counterparts.
• Use Seat Belts – Requiring all passengers to use a seat belt can save 10% or more off the medical payments premium.
• Theft Prevention System – Cars with anti-theft systems help deter theft and qualify for as much as a 10% discount.
• Payment Discounts – If paying your policy premium upfront rather than spreading payments over time you may reduce your total bill.

You can save money using discounts, but some of the credits will not apply to your bottom line cost. The majority will only reduce individual premiums such as comp or med pay. If you do the math and it seems like having all the discounts means you get insurance for free, you aren’t that lucky. Any qualifying discounts should help reduce your overall premium however.

The best car insurance companies and a selection of discounts are shown below.

• AAA discounts include multi-car, AAA membership discount, good driver, good student, pay-in-full, education and occupation, and multi-policy.
• Progressive has discounts for good student, online quote discount, online signing, homeowner, continuous coverage, and multi-policy.
• State Farm may include discounts for defensive driving training, Steer Clear safe driver discount, anti-theft, good student, and driver’s education.
• Esurance may have discounts that include renters, paid-in-full, good student, multi-policy, and good driver.
• Nationwide offers premium reductions for accident-free, anti-theft, family plan, multi-policy, easy pay, and good student.

When getting a coverage quote, ask every prospective company how you can save money. Some credits might not be available to policyholders everywhere. If you would like to choose from a list of providers that offer discounts, click this link.

Tailor your insurance coverage coverage to you

When it comes to buying the best insurance coverage coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight whether you will benefit from professional help.

• If I drive on a suspended license am I covered?
• Am I getting all the discounts available?
• How can I find cheaper teen driver insurance?
• Can my teen drive my company car?
• Does my medical payments coverage pay my health insurance deductible?
• Are there companies who specialize in insuring high-risk drivers?
• Why am I required to buy high-risk coverage?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

What car insurance coverages do you need?

Having a good grasp of your car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for bills like funeral costs, rehabilitation expenses and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to 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 coverage – This coverage can cover damage or injury you incur to people or other property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like pain and suffering, medical expenses, emergency aid, funeral expenses and court costs. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Comprehensive protection – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, fire damage, damage from flooding and a broken windshield. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured or underinsured coverage – This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your 1997 Subaru Impreza.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverages – This coverage will pay to fix damage to your Impreza caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like backing into a parked car, scraping a guard rail, driving through your garage door, hitting a parking meter and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Save your hard earned cash

Consumers leave their current company for a number of reasons such as questionable increases in premium, extreme rates for teen drivers, policy non-renewal and even high prices. Whatever your reason, switching companies is pretty easy and you might even save some money in the process.

In this article, we covered a lot of techniques to compare 1997 Subaru Impreza insurance rates online. The key thing to remember is the more rate comparisons you have, the better likelihood of getting affordable insurance. You may even find the biggest savings come from a company that doesn’t do a lot of advertising.

As you restructure your insurance plan, it’s a bad idea to buy poor coverage just to save money. In too many instances, an insured dropped collision coverage and discovered at claim time that it was a big error on their part. The proper strategy is to buy a smart amount of coverage for the lowest cost, but do not skimp to save money.

More learning opportunities

• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• What Auto Insurance is Cheapest for a Subaru Impreza in Riverside? (QuoteRiverside.com)
• Auto Crash Statistics (Insurance Information Insitute)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Child Safety FAQ (iihs.org)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)