2001 Subaru Impreza Insurance Quotes – 6 Tips to Save

Trying to find low-cost insurance for a Subaru Impreza could be a lot of work, but you can follow these tips and make it easy. There is a right way and a wrong way to shop for car insurance and you need to know the absolute fastest way to compare rates for a Subaru and obtain the lowest price.

Buying car insurance is easy if you know what you’re doing. If you have a current insurance coverage policy or need a new policy, you can learn to get lower rates and possibly find even better coverage. Drivers just need to learn the most efficient way to compare rates over the internet.

The quickest method to compare insurance rates in your area utilizes the fact car insurance companies will pay a fee to quote your coverage. To get started, all you need to do is spend a couple of minutes providing details such as the make and model of your vehicles, how much coverage you want, if you are currently licensed, and how much you drive. Your details is submitted instantly to multiple companies and you will receive price estimates quickly.

Are you receiving every discount?

Companies that sell car insurance do not advertise the entire discount list very clearly, so the list below details some of the best known and the more hidden credits available to bring down your rates.

• Distant College Student Discount – College-age children who are attending college and leave their car at home could qualify for this discount.
• Online Discount – Certain auto insurance companies will provide an incentive for completing your application on their website.
• Discounts for New Vehicles – Buying a new car model can get you a discount because new vehicles keep occupants safer.
• Telematics Discount – Insureds that choose to allow their insurance company to scrutinize where and when they drive by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if they have good driving habits.
• Renewal Discounts – A few larger companies give discounts for switching policies prior to your current policy expiring. You could save around 10% when you buy car insurance online.
• Early Payment Discounts – By paying your policy upfront rather than paying in monthly installments you may have a lower total premium amount.

A little note about advertised discounts, most discount credits are not given to the entire cost. Most only cut individual premiums such as medical payments or collision. If you do the math and it seems like all the discounts add up to a free policy, you’re out of luck.

A list of companies and some of their more popular discounts are:

• Progressive may include discounts for multi-vehicle, good student, continuous coverage, online quote discount, homeowner, and multi-policy.
• The Hartford offers discounts including defensive driver, bundle, anti-theft, vehicle fuel type, driver training, and air bag.
• Mercury Insurance offers premium reductions for anti-theft, accident-free, good student, type of vehicle, annual mileage, and multi-car.
• Geico includes discounts for driver training, anti-lock brakes, air bags, good student, seat belt use, and five-year accident-free.
• AAA discounts include good student, education and occupation, multi-policy, AAA membership discount, anti-theft, good driver, and multi-car.
• State Farm may offer discounts for passive restraint, Steer Clear safe driver discount, defensive driving training, good student, and good driver.

Before purchasing a policy, check with all the companies how you can save money. A few discounts may not apply to policies in your area. To locate auto insurance companies that have a full spectrum of discounts, follow this link.

When in doubt talk to an agent

When it comes to buying proper insurance coverage, there really is not a “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that may help highlight if you would benefit from an agent’s advice.

• I have good health insurance, so how much medical payments coverage do I need?
• Who is covered by my policy?
• Am I covered when driving on a suspended license?
• What is the difference between comprehensive and collision coverage?
• Do I need to file an SR-22 for a DUI in my state?
• Why do I need rental car insurance?
• Does my policy pay for OEM or aftermarket parts?
• When should my teen driver be added to my policy?
• Do I have any recourse if my insurance company denies a claim?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.

Insurance coverage basics

Knowing the specifics of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and nobody wants to actually read their policy.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for things like scraping a guard rail, driving through your garage door, crashing into a building and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Medical expense insurance

Med pay and PIP coverage provide coverage for short-term medical expenses like funeral costs, EMT expenses, pain medications and prosthetic devices. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Subaru Impreza.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability car insurance

Liability insurance provides protection from damages or injuries you inflict on a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as attorney fees, repair bills for other people’s vehicles, medical services and emergency aid. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, damage from getting keyed and hitting a deer. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Keep this in mind

Consumers leave their current company for a number of reasons such as policy cancellation, poor customer service, extreme rates for teen drivers and high rates after DUI convictions. It doesn’t matter why you want to switch finding a great new company is pretty easy and you might even save some money in the process.

In this article, we presented a lot of ways to lower your 2001 Subaru Impreza insurance rates. The key thing to remember is the more companies you get car insurance rates for, the better your chances of lowering your car insurance rates. You may be surprised to find that the most savings is with a company that doesn’t do a lot of advertising.

Budget-friendly insurance can be bought both online as well as from insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance providers may not offer price quotes online and usually these smaller providers work with independent agencies.

More detailed insurance information is available at these sites:

• State Car Insurance Guides (Geico)
• Speed and Speed Limit FAQ (iihs.org)
• Should I Buy a New or Used Car? (Allstate)
• Collision Coverage (Liberty Mutual)
• Side Impact Crash Tests (iihs.org)
• Smart Auto Insurance Tips (Insurance Information Insitute)