Save on 2009 Subaru Impreza Insurance Quotes

Shopping for the cheapest insurance may at first seem to be problematic for vehicle owners that are not comfortable with quoting and comparison shopping over the internet. With such a large choice of insurers to choose from, how are vehicle owners able to have time to compare every insurance company to find the best price?

You need to do price comparisons quite often because insurance prices change regularly. Even if you think you had the lowest rate on Impreza insurance on your last policy there may be better deals available now. Forget all the misinformation about insurance because we’re going to show you how to use the internet to properly buy coverages and cut your premium.

Buying car insurance is not rocket science. Basically, anyone who shops for insurance coverage will be able to save money. But drivers benefit from understanding how companies sell insurance online and apply this information to your search.

Quote insurance coverage online

Performing a rate comparison can be a lot of work if you aren’t aware of the best way to get rate quotes. You could waste a few hours discussing policy coverages with insurance companies in your area, or you can utilize online quoting to get rate comparisons in just a few minutes.

The majority of car insurance companies participate in an industry program where insurance shoppers submit one quote, and at least one company returns a competitive quote. This system prevents you from having to do repetitive form submissions for every insurance coverage company. To compare rates using this form now click here to start a free quote.

The single downside to getting quotes like this is you are unable to specify which insurance companies you want to price. If you prefer to choose from a list of companies to compare, we put together a list of companies who write insurance coverage in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but double check that you are using exactly the same coverage data with each company. If you enter higher or lower deductibles it will be impossible to determine the lowest rate for your Subaru Impreza. Just a small difference in insurance coverages or limits can mean a large discrepancy in price. And when comparing insurance coverage rates, know that having more price comparisons increases the change that you will find the best price.

Is there deception in advertising?

Companies like Progressive, Geico, Allstate and State Farm seem to constantly run ads on television and other media. All the ads make the same claim about saving some big amount if you change your insurance coverage coverage to their company. How does every insurance coverage company give you a lower rate? It’s all in how they say it.

All companies require specific criteria for a prospective insured that makes them money. One example of this type of driver may need to be between the ages of 30 and 45, has no driving citations, and drives less than 5,000 miles a year. A customer who matches those parameters may get the lowest prices and therefore will save if they switch.

People who fall outside the requirements will probably be forced to pay a higher premium and this results in the driver buying from a lower-cost company. The wording the ads use say “customers who switch” not “all people who quote” can get the lowest rates when switching. That’s the way insurance companies can make those claims. Because every company is different, drivers should get price quotes at each policy renewal. It’s just not possible to know the company that will have the lowest car insurance rates for your situation.

Discounts for cheap car insurance rates

Car insurance is not an enjoyable expense, but there’s a good chance there are discounts that many consumers don’t even know exist. A few discounts will be applied at the time you complete a quote, but less common discounts must be asked about in order for you to get them.

Senior Citizen Rates – Drivers over the age of 55 can possibly qualify for reduced rates on Impreza insurance.
Distant College Student Discount – who are enrolled in a college that is more than 100 miles from home and don’t have a car can be insured at a reduced rate.
Theft Deterent System – Cars and trucks optioned with advanced anti-theft systems are less likely to be stolen so companies will give you a small discount.
Full Payment Discount – If you can afford to pay the entire bill rather than paying in monthly installments you could save up to 5%.
First Accident Forgiveness – Not really a discount, but certain companies will forgive one accident before raising your premiums so long as you haven’t had any claims prior to being involved in the accident.
Discounts for Cautious Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates on Impreza insurance than their less cautious counterparts.
Driver’s Education for Students – Teen drivers should take driver’s ed class in school or through a local driver safety program.
Seat Belts Save – Drivers who require all occupants to buckle up before driving could save 15% on the premium charged for medical payments and/or PIP.
Fewer Miles Equal More Savings – Fewer annual miles on your Subaru may allow you to get lower premium rates due to less chance of an accident.

As a sidenote, many deductions do not apply to the entire cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, company stockholders wouldn’t be very happy. Any qualifying discounts will help lower your car insurance premiums.

To find car insurance companies with discount car insurance rates, follow this link.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine if you would benefit from an agent’s advice.

Why does it cost so much to insure a teen driver?
Am I getting all the discounts available?
How much liability coverage do I need in my state?
Does coverage extend to my business vehicle?
Is other people’s property covered if stolen from my vehicle?
When does my teenage driver need to be added to my policy?
Am I covered when driving in Canada or Mexico?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form.

Educate yourself about auto insurance coverages

Knowing the specifics of your auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement.

Collision – This will pay to fix damage to your Impreza caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like sideswiping another vehicle, scraping a guard rail and backing into a parked car. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Medical expense insurance – Med pay and PIP coverage pay for immediate expenses for funeral costs, rehabilitation expenses, surgery and doctor visits. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for liability – This coverage protects you from injuries or damage you cause to other’s property or people that is your fault. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims such as court costs, repair bills for other people’s vehicles, legal defense fees, attorney fees and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, hitting a bird and damage from a tornado or hurricane. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers – This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Subaru Impreza.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Make a quick buck

Cheaper insurance coverage is attainable on the web as well as from independent agents, so you should compare both to have the best chance of lowering rates. A few companies don’t offer online quoting and many times these smaller companies only sell coverage through independent insurance agencies.

Drivers leave their current company for any number of reasons including denial of a claim, not issuing a premium refund, extreme rates for teen drivers and even questionable increases in premium. Regardless of your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

As you restructure your insurance plan, it’s a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where an accident victim reduced full coverage only to regret that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage for the lowest price, not the least amount of coverage.