Compare 2008 Subaru Impreza Insurance Cost

Want lower auto insurance rates for your Subaru Impreza? If you’re searching for cheaper insurance on the web, do you get confused by the dozens of auto insurance choices? You have such a vast assortment of choices available that it can quickly become a real challenge to find lower premium rates.

The most recommended method to compare insurance rates in your area is to know the trick almost all companies provide online access to give free rates quotes. To start a quote, the only thing you need to do is spend a couple of minutes providing details such as if your license is active, whether the vehicles are used for commuting, driver details, and whether your vehicle is owned or leased. That rating information is then submitted to insurance carriers in your area and they return cost estimate very quickly.

Earn discounts to get lower-cost auto insurance quotes

Some companies don’t necessarily list all available discounts in a way that’s easy to find, so below is a list some of the best known as well as the least known discounts that may be available.

• Seat Belt Usage – Forcing all vehicle occupants to use their safety belts may be able to save a few bucks off the PIP or medical payment premium.
• Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and qualify for as much as a 10% discount.
• Data Collection Discounts – Drivers that enable data collection to study driving patterns through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they are good drivers.
• Multi-car Discount – Buying insurance for multiple cars or trucks on one policy can reduce the rates for all insured vehicles.
• Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts can get savings of 20 to 30 percent.
• Discounts for Good Drivers – Safe drivers may save up to 50% more for Impreza insurance compared to accident prone drivers.
• Government Employees – Employees or retirees of the government may reduce rates when you quote insurance coverage for Impreza insurance with some auto insurance companies.
• Military Discounts – Being on active duty in the military could mean lower rates.
• Driver Education Discount – Require your teen driver to complete a driver education course in school or through a local driver safety program.
• Mature Driver Discount – Drivers that qualify as senior citizens can possibly qualify for better auto insurance rates for Impreza insurance.

One thing to note about discounts is that most credits do not apply to the entire policy premium. The majority will only reduce individual premiums such as comprehensive or collision. So when it seems like you would end up receiving a 100% discount, companies don’t profit that way. But any discount will definitely lower your policy premium.

If you would like to see a list of providers who offer cheap auto insurance quotes, click this link.

Cut insurance costs with these tips

Many factors are part of the equation when pricing auto insurance. Most are fairly basic such as traffic violations, but other criteria are more transparent such as whether you are married or how safe your car is.

The following are a partial list of the pieces that factor into your premiums.

• Certain vocations raise premiums – Occupational choices like doctorspolice officers and miners have higher rates than average attributed to intense work situations and incredibly demanding work hours. On the flip side, jobs like farmers, engineers and performers have lower than average premiums for Impreza insurance.
• Do safer cars cost less to insure? – Vehicles with good safety scores tend to have lower insurance rates. Vehicles engineered for safety reduce injuries and reduced instances of injuries means lower claim amounts and lower rates for you. If your Subaru Impreza scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
• Your car’s features help determine rates – Choosing to buy a car with advanced anti-theft systems can earn a premium discount. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop your car from being stolen.
• Don’t cut corners with liability insurance – Your insurance coverage policy’s liability coverage is the protection when a jury decides you are liable for causing personal injury or damage in an accident. It provides legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.

Tailor your car insurance coverage to you

When buying coverage for your vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions might help in determining if your insurance needs would benefit from professional advice.

• Am I covered when driving on a suspended license?
• Is my ex-spouse still covered by my policy?
• Is my cargo covered for damage or theft?
• At what point should I drop full coverage?
• Do I have coverage when pulling a U-Haul trailer?
• Am I covered if I hit a deer?

If you can’t answer these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Insurance specifics

Having a good grasp of your insurance policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for liability

This coverage will cover damage or injury you incur to people or other property. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as medical expenses, pain and suffering, medical services and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical expense coverage

Med pay and PIP coverage provide coverage for expenses such as nursing services, chiropractic care, pain medications and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive protection

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, theft and hail damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision 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 pays for things such as sideswiping another vehicle, damaging your car on a curb, crashing into a building, driving through your garage door and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Quote often and quote early

Drivers switch companies for a variety of reasons including high prices, delays in responding to claim requests, high rates after DUI convictions or not issuing a premium refund. It doesn’t matter what your reason, switching companies can be easy and end up saving you some money.

We’ve covered a lot of techniques to save on 2008 Subaru Impreza insurance. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding cheaper insurance coverage. Consumers could even find that the best price on insurance coverage is with a company that doesn’t do a lot of advertising.

As you go through the steps to switch your coverage, do not skimp on coverage in order to save money. There are too many instances where drivers have reduced liability limits or collision coverage to discover at claim time they didn’t purchase enough coverage. The ultimate goal is to buy enough coverage at the best cost, but don’t skip important coverages to save money.

Other learning opportunities

• Teen Driving and Texting (State Farm)
• Who Has Cheap Car Insurance for a Subaru Impreza in Buffalo? (QuoteBuffalo.com)
• Who Has the Cheapest Auto Insurance for a Subaru Impreza in Kansas City? (KCAutoGuard.com)
• Think You’re a Safe Driver? (State Farm)
• Safety Belts FAQ (iihs.org)
• Understanding Car Crashes Video (iihs.org)
• Event Data Recorders FAQ (iihs.org)
• Understanding Your Insurance Deductible (Insurance Information Insitute)