2006 Subaru Impreza Car Insurance Quotes – 6 Tips for Cheaper Rates

Trying to find better auto insurance rates for your Subaru Impreza? Having to pay for expensive Subaru Impreza insurance can overdraw your monthly budget and put the squeeze on your family’s finances. Shopping your coverage around is a great way to ensure you are getting the best deal.

Vehicle owners have many insurance companies to buy insurance from, and though it is a good thing to have multiple companies, it can be more challenging to compare company pricing.

It’s a good idea to take a look at other company’s rates every six months since insurance prices are constantly changing. Just because you found the lowest rate on Impreza coverage a year ago the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about auto insurance because you’re about to learn the tricks you need to know to lower your rates without sacrificing coverage.

The quickest method to compare policy rates is to know the trick car insurance companies participate in a system to provide you with a free rate quote. The one thing you need to do is spend a couple of minutes providing details like if a SR-22 is needed, coverage limits, the make and model of your vehicles, and whether you have decent credit. Your information is sent automatically to many of the top insurers and they respond with quotes instantly to find the best rate.

If you wish to get multiple quotes for your 2006 Subaru Impreza now, click here and find out if lower rates are available.

Find discounts on insurance

Auto insurance companies don’t always advertise every discount they offer very well, so the list below gives a summary of both the well known as well as some of the hidden ways to save on insurance.

  • Pay Upfront and Save – By making one initial payment rather than spreading payments over time you can avoid the installment charge.
  • Savings for New Vehicles – Adding a new car to your policy can get you a discount because newer models keep occupants safer.
  • Theft Deterent Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10% off your auto insurance quote.
  • Discount for Low Mileage – Low mileage vehicles may allow you to get lower prices due to less chance of an accident.
  • Student Discounts – This discount can be rewarded with saving of up to 25%. You can use this discount normally up until you turn 25.
  • Club Memberships – Being a member of specific professional or occupational memberships or organizations could qualify you for a break on your policy.

One last thing about discounts, most credits do not apply to the overall cost of the policy. Some only apply to specific coverage prices like medical payments or collision. Despite the fact that it seems like you can get free auto insurance, that’s just not realistic.

Companies and some of their more popular discounts are:

  • American Family may have discounts that include bundled insurance, air bags, good student, mySafetyValet, and early bird.
  • Farm Bureau discounts include multi-vehicle, good student, 55 and retired, driver training, safe driver, youthful driver, and multi-policy.
  • State Farm policyholders can earn discounts including driver’s education, good driver, accident-free, multiple autos, defensive driving training, and Drive Safe & Save.
  • Travelers offers premium reductions for home ownership, save driver, driver training, student away at school, new car, and early quote.
  • The Hartford has discounts for bundle, driver training, defensive driver, air bag, and anti-theft.
  • GEICO may include discounts for seat belt use, emergency military deployment, military active duty, driver training, and defensive driver.
  • Progressive has savings for online signing, online quote discount, continuous coverage, homeowner, multi-policy, and good student.

If you need cheap auto insurance quotes, ask every prospective company what discounts are available to you. Some credits might not be offered on policies in your area.

Tailor your auto insurance coverage to you

When buying proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. For example, these questions may help highlight if your situation could use an agent’s help.

  • Am I covered if I hit a deer?
  • Do I need replacement cost coverage on my 2006 Subaru Impreza?
  • Do I have coverage when making deliveries for my home business?
  • Am I covered when driving on a suspended license?
  • Which companies will insure high-risk drivers?
  • Who is covered by my policy?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Can you really save that much by switching?

Consumers can’t avoid all the ads that promise big savings from companies such as State Farm and Allstate. They all seem to make the same claim that drivers will save a bundle just by switching your policy.

How can each company charge lower premium rates? This is the trick they use.

All the different companies require specific criteria for the type of customer that will generate a profit. One example of a driver they prefer may need to be over the age of 45, owns a home, and has a high credit rating. A customer getting a price quote who meets those qualifications gets the lowest car insurance rates as well as save a lot if they switch.

Insureds who may not quite match those criteria will probably have to pay a more expensive rate and this can result in the prospect going elsewhere. The trick companies use is to say “people who switch” not “all people who quote” save that much when switching. This is how insurance companies can advertise the savings.

This really drives home the point why you really need to compare rate quotes every year. It is just not possible to predict which company will have better car insurance rates than you’re paying now.

What car insurance coverages do you need?

Learning about specific coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types available from car insurance companies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like rock chips in glass, a broken windshield, damage from flooding, hail damage and hitting a bird. The maximum amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Med pay and PIP coverage reimburse you for expenses for things like doctor visits, X-ray expenses, funeral costs and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your Subaru Impreza.

Due to the fact that many drivers 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 important protection for you and your family. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage

Collision coverage will pay to fix damage to your Impreza from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with another moving vehicle, rolling your car, crashing into a building, hitting a mailbox and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Liability coverage

Liability insurance protects you from injuries or damage you cause to other people or 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 might see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 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 coverage pays for claims like bail bonds, repair bills for other people’s vehicles and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Feed the piggy bank

In this article, we presented many ways to compare 2006 Subaru Impreza insurance premium rates online. The most important thing to understand is the more times you quote, the better your comparison will be. Consumers could even find that the lowest priced insurance coverage comes from the smaller companies. Smaller companies can often insure niche markets at a lower cost compared to the large companies like Progressive and GEICO.

Budget-friendly insurance coverage is available both online and from local agencies, so you should be comparing quotes from both to have the best rate selection. Some companies do not offer online rate quotes and most of the time these small insurance companies provide coverage only through independent agents.

Even more information is located in these articles:

Comments About 2006 Subaru Impreza Insurance

  1. Tambra Levine

    Not sure what I should be paying. Got a quote with GEICO for my 2006 Subaru Impreza and am saving around $350 a year. Was with Hanover. I have a teen driver too. It never hurts to quote around.

  2. Eun Shepard

    From northwest of Knoxville, Tennessee. Quoted with Travelers, AAA, Hartford, and MetLife for my Impreza and I’m now saving $36 a month. Left Farmers to switch. Have an at-fault accident tho. Hardly afford to drive anymore.

  3. Chastity Daniel

    Good site, thanks. I live in Chicago, Illinois. Received rates from American Family, Mercury, and some smaller one I can’t remember the name of for my 2006 Subaru Impreza and saved around $210 a year. They have a lot of discounts available.

  4. Zetta Berger

    Nice info. Found cheapest coverage with Sentry for my Impreza and am saving around $260 a year. Just waiting to see how claims go.

  5. Felicidad Glenn

    I can’t pay high rates. From Concord, NH. I got free quotes with AIG Insurance, Esurance, and Nationwide for my Subaru and I’m now saving $58 a month.

  6. Valorie Melton

    21st Century has the cheapest rates in Kentucky. No comparison.

  7. Landon Gonzalez

    Not sure what I should be paying. From a town just southwest of Shreveport, LA. Received quotes from 21st Century, AIG Insurance, Farmers, and Liberty Mutual for my Impreza and cut my rates about $250 a year. Was with Mercury. Hopefully won’t need it.

  8. Marcelino Branch

    Cheap is not always the best policy. I live just outside Milwaukee, WI. Received quotes from 21st Century, AIG Insurance, Eastwood, and Hartford for my Subaru and saved around $480 a year. Switched homeowners coverage too. Online quotes are the way to go.

  9. Carlie Nielsen

    Mine is so expensive. I’m in the north part of Hartford, Connecticut. Checked online prices for a 2006 Subaru Impreza. Ended up at about $440 savings annually. Went with State Farm. Teenage drivers are expensive! Get lots of quotes to find the best rate.

  10. Maisha Harper

    Proud to be from Memphis, TN. I quoted with Progressive, AAA, and Farmers for my Subaru and saved $448 a year. :)

  11. Hana Poole

    All companies are crooks. I’m in the south part of Omaha, NE. I quoted with Auto-Owners, Farmers, and Mercury for my Subaru and I’m now saving $46 a month. A clean driving record helps. :P