Lower Your 2004 Subaru Impreza Insurance Quotes

Looking for the cheapest car insurance rates for your Subaru Impreza? Tired of wondering where the money will come from to keep your car insured? You’re in the same situation as the majority of other drivers.

Since you have so many insurance companies to choose from, it’s difficult to find the right insurer.

It’s smart to compare rates before your next renewal due to the fact that insurance prices are constantly changing. Even if you think you had the lowest rates for Impreza coverage at your last renewal other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in how to use online quotes to reduce your cost while increasing coverage.

Pricing the best insurance coverage is not that difficult. Just about everyone who carries insurance coverage will most likely be able to cut their insurance bill. Although drivers can benefit from knowing the methods companies use to price insurance differently and apply this information to your search.

How to shop car insurance online

Performing a rate comparison can take hours if you don’t utilize the best way to get rate quotes. You could waste time talking about coverages with insurance companies in your area, or you could save time and use online quoting to accomplish the same thing much quicker.

The majority of car insurance companies belong to a marketplace where insurance shoppers send in one quote, and each company can give them a price based on the submitted data. This saves time by eliminating quote forms to every company.

To submit your quote information now, click here to start a free quote.

The single downside to using this type of system is that consumers can’t choose the providers you want pricing from. If you prefer to choose specific insurance companies for rate comparison, we put together a list of the cheapest car insurance companies in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just compare nearly identical coverages for every quote you compare. If you use different liability limits it will be impossible to truly determine the lowest rate. Even a minor difference in insurance coverages can mean a large discrepancy in price. Just keep in mind that comparing a large number of companies gives you a better chance of getting more affordable insurance. Some companies don’t provide prices over the internet, so it’s recommended that you also compare prices from the smaller companies as well.

When in doubt talk to an agent

When it comes to buying the best car insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions may help highlight if you may require specific advice.

• Does car insurance cover theft of personal property?
• Is business property covered if stolen from my car?
• Is there coverage for injuries to my pets?
• Should I buy full coverage?
• Is extra glass coverage worth it?
• How much liability insurance is required?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Coverages available on your policy

Knowing the specifics of car insurance helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from car insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits are similar to your liability insurance amounts.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like rehabilitation expenses, pain medications, EMT expenses and dental work. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage – This will pay to fix 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 can pay for things such as a broken windshield, rock chips in glass, damage from a tornado or hurricane, hitting a deer and vandalism. The maximum amount your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage – This pays for damage to your Impreza caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like colliding with a tree, sideswiping another vehicle, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability auto insurance – This coverage can cover damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in 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 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things such as medical expenses, emergency aid, pain and suffering and funeral expenses. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.