2003 Subaru Impreza Insurance Quotes

Want lower auto insurance rates for your Subaru Impreza? Wish you could get out of an expensive auto insurance policy? Trust us, there are lots of people in the same boat. Popular companies such as Allstate, Progressive and Geico continually hit you with TV and radio ads and it is difficult to ignore the propoganda and effectively compare rates to find the best deal.

If you have a current insurance coverage policy or need a new policy, you can learn to cut your premiums while maintaining coverages. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers just need to learn the tricks to get comparison rates on the web.

How to buy insurance online

Effectively comparing insurance prices can be exhausting if you don’t know the easiest way. You could waste time talking to insurance agencies in your area, or you can stay home and use the web to achieve your goal.

All the larger companies participate in an industry program where insurance shoppers complete one form, and at least one company then returns a price quote for coverage. This eliminates the need for quote requests for each company.

To find out what other companies charge click here to start a free quote.

One minor caviat to getting quotes like this is that consumers can’t choose the companies you want pricing from. So if you want to choose from a list of companies to request quotes from, we have a page of low cost insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just be sure you’re using identical quote information for each price quote. If the quotes have different data it’s not possible to decipher which rate is best.

Insurance can be complex

When it comes to choosing the best insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone’s needs are different so this has to be addressed. These are some specific questions might help in determining if your insurance needs might need professional guidance.

• Am I getting all the discounts available?
• Are my friends covered when driving my 2003 Subaru Impreza?
• Can I get a multi-policy discount?
• How much liability insurance is required?
• If I drive on a suspended license am I covered?
• Is rental equipment covered for theft or damage?
• How do I insure my teen driver?
• How many claims can I have before being cancelled?
• When would I need additional glass coverage?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Educate yourself about insurance coverages

Knowing the specifics of your insurance policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are typical coverages offered by insurance companies.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of 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. Most of the time the UM/UIM limits are set the same as your liablity limits.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as colliding with another moving vehicle, backing into a parked car, colliding with a tree, sideswiping another vehicle and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like dental work, surgery, hospital visits, ambulance fees and prosthetic devices. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability car insurance – This coverage protects you from damages or injuries you inflict on people or other property in an accident. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things like repair bills for other people’s vehicles, bail bonds, attorney fees and medical services. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, a broken windshield, theft and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.