Lower Your 2005 Subaru Impreza Insurance Quotes

Buyers have lots of choices when searching for the lowest priced Subaru Impreza insurance. They can either waste time contacting agents to get rate comparisons or save time using the internet to compare rates. There is a right way and a wrong way to compare insurance coverage rates so we’re going to tell you the quickest way to compare rates on a Subaru and locate the best price possible.

If you have insurance now or are just looking to switch companies, you will benefit by learning to find the best rates while maintaining coverages. The purpose of this post is to let you in on the most effective way to quote insurance and some money-saving tips. Drivers just need to understand the proper way to shop their coverage around over the internet.

How do car insurance companies determine Subaru Impreza insurance costs?

Lots of factors are part of the calculation when pricing auto insurance. A few of the factors are predictable such as your driving record, but other criteria are more transparent like your continuous coverage or how financially stable you are.Smart consumers have a good feel for some of the factors that come into play when calculating the rates you pay for auto insurance. When you understand what controls the rates you pay, this enables you to make decisions that will entitle you to better auto insurance rates.

The list below includes some of the items used by insurance companies to determine prices.

  • Car insurance liability protection limits – The liability section of your policy will protect you if a jury decides you are liable for damages from an accident. Your policy’s liability insurance provides legal defense coverage up to the limits shown on your policy. It is affordable coverage when compared to the cost of physical damage coverage, so buy as much as you can afford.
  • Can a thief steal your car? – Choosing to buy a car with a theft deterrent system can get you a discount on your auto insurance. Systems that thwart theives like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft and help bring rates down.
  • Premiums are affected by your credit rating – An insured’s credit score can be an important factor in calculating your auto insurance rates. Drivers who have excellent credit scores tend to be more responsible and file fewer claims as compared to drivers with worse credit. So if your credit rating can use some improvement, you could pay less to insure your 2005 Subaru Impreza by improving your credit score.
  • Gender matters – Statistics demonstrate women tend to be less risk to insure than men. This data doesn’t prove that men are worse drivers. Both sexes have accidents at a similar rate, but males have costlier accidents. Not only are claims higher, but men get higher numbers of serious violations like DUI and reckless driving.

Auto insurance policy discounts

Car insurance companies don’t always list every discount in a way that’s easy to find, so we took the time to find some of the best known as well as some of the hidden credits available to you.

  • Seat Belts Save more than Lives – Forcing all vehicle occupants to use a seat belt could cut 10% or more off PIP or medical payments premium.
  • Discount for Passive Restraints – Options like air bags or automatic seat belts can get savings up to 30%.
  • College Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle can be insured at a reduced rate.
  • Clubs and Organizations – Belonging to certain professional organizations may earn a discount when getting a car insurance quote.
  • No Accidents – Drivers who don’t have accidents get the best auto insurance rates in comparison with drivers with a long claim history.
  • Federal Employees – Active or former government employment may qualify for a discount when you quote car insurance on Impreza insurance depending on your auto insurance provider.
  • Military Rewards – Being deployed with a military unit could be rewarded with lower premium rates.
  • Own a Home – Just owning your own home can get you a discount since owning and maintaining a home requires a higher level of personal finance.
  • More Vehicles More Savings – Insuring multiple vehicles on a single policy can get a discount for every vehicle.
  • ABS Braking Discount – Cars that have anti-lock braking systems can avoid accidents and earn discounts up to 10%.

Please keep in mind that most credits do not apply the the whole policy. Most cut individual premiums such as comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, companies don’t profit that way.

To see auto insurance companies that have a full spectrum of discounts, click here.

How do I know if I need professional advice?

When choosing the best car insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

For example, these questions can aid in determining whether you might need professional guidance.

  • Is a blown tire covered by insurance?
  • Should I buy only the required minimum liability coverage?
  • Who is covered when they drive my 2005 Subaru Impreza?
  • Where can I find high-risk insurance?
  • At what point should I drop full coverage?
  • Am I covered when delivering products for my home-based business?
  • How many claims can I have before being cancelled?
  • Am I covered when driving a rental car?
  • When should my teen driver be added to my policy?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Insurance policy coverages for a Subaru Impreza

Learning about specific coverages of your insurance policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Coverage for liability

Liability coverage will cover damage that occurs to other people or property by causing an accident. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as emergency aid, medical expenses, repair costs for stationary objects, court costs and funeral expenses. How much coverage you buy is up to you, but you should buy higher limits if possible.

Comprehensive coverage (or Other than Collision)

This coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like theft, a tree branch falling on your vehicle, hail damage and hitting a bird. The highest amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision protection

Collision coverage pays for damage to your Impreza from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a mailbox, backing into a parked car and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for nursing services, doctor visits and chiropractic care. They are used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Do the work, save more money

We just presented a lot of ways to lower your 2005 Subaru Impreza insurance rates. The key thing to remember is the more rate quotes you have, the higher your chance of finding affordable car insurance. Consumers could even find that the lowest rates come from the smaller companies.

Drivers switch companies for many reasons like denial of a claim, extreme rates for teen drivers, being labeled a high risk driver or poor customer service. Regardless of your reason, finding a new insurance company is not as difficult as it may seem.

Low-cost 2005 Subaru Impreza insurance is possible both online and from local insurance agents, and you should compare price quotes from both to have the best selection. Some insurance companies may not offer the ability to get a quote online and usually these small insurance companies sell through independent agencies.

To learn more, feel free to browse the resources below:

Comments About 2005 Subaru Impreza Insurance

  1. Mark Franks

    I live south of Springfield, MO. Got quotes with USAA, Auto-Owners, Hartford, and Sentry for my Impreza and saved $93 a year.

  2. Lakeesha Thomas

    If you have a good history and live near Bangor, Maine, check out GEICO. I saved quite a bit. Was with Amica. I get a discount for insuring multiple vehicles. Highly recommended.

  3. Bulah Booth

    Cheaper car insurance is a myth. Found cheapest coverage with AAA for my Impreza and saved about $200 a year. Thankfully I’m not a high risk driver. I used their online quote form to compare rates.

  4. Dusty Gamble

    Will State Farm give discounts for good grades?

  5. Lacy Mccall

    Anyone buy from Auto-Owners? I’m in Newark, Delaware.

  6. Cheryl Brock

    I can’t pay high rates. From northwest of Charleston, WV. Got rates from Allstate, American Family, and some I forget for my Subaru and I think I saved around $40 each month.

  7. Bernita Norton

    Are custom wheels covered by insurance?

  8. Mimi Suarez

    Anyone compare GEICO and State Farm rates in Lexington, KY?

  9. Bella Avery

    I’m just north of Lewiston, ME. Quoted a bunch of companies. Saved about $60 a month. State Farm was the best choice for me. Left State Farm to switch.

  10. Clinton Hurst

    Does Allstate insure at replacement cost?

  11. Matilda Patrick

    2005 Subaru Impreza + State Farm = GOOD RATES!