How Much Does 1998 Subaru Impreza Car Insurance Cost?

Are you kicking yourself for buying an underperforming, overpriced insurance policy? Say no more because many consumers feel financially strained by their insurance policy.

Consumers have so many auto insurance companies to choose from, and even though it’s nice to have multiple companies, it makes it harder to locate the cheapest rates.

It’s a great practice to compare premium rates quite often due to the fact that insurance rates change quite often. Even if you think you had the best rate on Impreza insurance at your last renewal a different company probably has better prices today. You’ll find a ton of advice on insurance online but you can learn some good information on how to find cheap insurance.

The purpose of this post is to familiarize you with how to get online quotes and some tricks to saving. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these methods. But vehicle owners must comprehend how big insurance companies determine prices because it can help you find the best coverage.

Compare insurance coverage quotes online

When comparison shopping, there are several ways of comparing rate quotes from many available insurance coverage companies in your state. The best method to compare rates consists of shopping online. It’s really quite simple and can be done in a couple minutes as outlined below.

• The single most time-saving way to get the best comparison quotes would be an industry-wide quote request form click to view form in new window. This quick form keeps you from doing repetitive form entry for every company. One form will return price quotes from many national carriers.
• Another way to obtain and compare quotes online requires you to visit the website for every company you want to comare and repeat the quote process again and again. For examples sake, let’s assume you want to compare Auto-Owners, Safeco and Geico. To get rate quotes you would need to visit each site and repeatedly enter your information, which is why the first method is quicker. For a list of companies in your area, click here.
• Even if you have time, the least recommended way to find cheaper rates is physically going to each insurance agency near you. Comparing online rate quotes makes this unnecessary unless you have a complicated situation and need the peace of mind of an agent trained in personal lines coverage. Some companies do allow you to price shop your coverage online but have your policy serviced through an agent.

The approach you take is up to you, just try to use identical coverage data for every quote you compare. If you have different limits and deductibles on each one then you won’t be able to determine which rate is truly the best. Slightly different insurance coverages or limits can result in a big premium difference. Just keep in mind that getting more free quotes helps you find lower pricing. Some smaller insurers to not give rate quotes online, so you also need to get price estimates on coverage from those companies, too.

Don’t overlook these auto insurance discounts

Some companies don’t always list every policy discount very well, so the list below details a few of the more common and the harder-to-find discounts that you can inquire about if you buy auto insurance online. If you’re not getting every credit available, you’re just leaving money on the table.

• Save over 55 – Older drivers may receive better auto insurance rates on Impreza insurance.
• No Claims – Drivers with accident-free driving histories pay less in comparison to insureds who have frequent claims or accidents.
• Save with a New Car – Putting insurance coverage on a new car may earn a small discount because new vehicles are generally safer.
• Switch and Save Discount – Select companies give a discount for switching policies early. It could save around 10% when you buy auto insurance online.
• Multiple Cars – Purchasing coverage when you have multiple cars on the same auto insurance policy can reduce rates for all insured vehicles.
• Policy Bundle Discount – If you have multiple policies and place coverage with the same company you could get a discount of over 10 percent off each policy depending on the company.
• Seat Belt Usage – Drivers who require all vehicle occupants to use their safety belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
• Include Life Insurance and Save – Select insurance companies reward you with a lower auto insurance rate if you buy a life insurance policy as well.

You can save money using discounts, but many deductions do not apply the the whole policy. Some only reduce specific coverage prices like collision or personal injury protection. Despite the fact that it seems like it’s possible to get free car insurance, it’s just not the way it works. But any discount will definitely reduce your policy premium.

A few popular companies and their offered discounts are included below.

• State Farm has discounts for multiple autos, Steer Clear safe driver discount, accident-free, good student, anti-theft, and student away at school.
• American Family offers premium reductions for bundled insurance, multi-vehicle, mySafetyValet, TimeAway discount, and good student.
• Geico may include discounts for multi-vehicle, driver training, good student, membership and employees, five-year accident-free, military active duty, and anti-lock brakes.
• 21st Century has savings for air bags, anti-lock brakes, good student, early bird, student driver, theft prevention, and homeowners.
• Progressive policyholders can earn discounts including continuous coverage, good student, online signing, online quote discount, multi-vehicle, homeowner, and multi-policy.

When getting free auto insurance quotes, it’s a good idea to every prospective company which discounts you qualify for. A few discounts may not be available in your area. To choose providers that have a full spectrum of discounts, click here to view.

When to get professional advice

When it comes to buying the right insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions may help you determine if your insurance needs may require specific advice.

• Does coverage extend to a rental car in a foreign country?
• Will I be non-renewed for getting a DUI or other conviction?
• Will my insurance pay for OEM parts?
• Will filing a claim cost me more?
• How can I get my company to pay me more for my totalled car?
• Am I covered if my car is in a flood?
• Do I need special endorsements for business use of my vehicle?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.

What insurance coverages do you need?

Understanding the coverages of a insurance policy helps when choosing the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and reading a policy is terribly boring. These are the usual coverages found on most insurance policies.

Comprehensive coverages

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like falling objects, hitting a deer, hitting a bird and hail damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for collisions

This pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sustaining damage from a pot hole, crashing into a building, crashing into a ditch, damaging your car on a curb and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Liability coverage

This can cover injuries or damage you cause to other people or property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as structural damage, funeral expenses, loss of income and medical services. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured and underinsured coverage

This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Subaru Impreza.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages are set the same as your liablity limits.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for bills for things like doctor visits, chiropractic care and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible