Lower Your 2012 Subaru Impreza Car Insurance Rates

Drivers have options when trying to find the best price on Subaru Impreza insurance. They can either waste time contacting agents to get rate comparisons or leverage the internet to find the lowest rates. There is a right way and a wrong way to shop for car insurance and you need to know the quickest way to get price quotes for your Subaru and get the best price possible.

You need to compare prices on a regular basis because insurance rates change frequently. Even if you think you had the lowest rate for Impreza coverage a year ago you may be paying too much now. Forget anything you know (or think you know) about car insurance because it’s time to teach you the quickest way to reduce your cost while increasing coverage.

If you have a current insurance coverage policy or are just looking to switch companies, you can use these techniques to cut your premiums while maintaining coverages. This information will help educate you on the most effective way to quote insurance and some tips to save money. Vehicle owners only need an understanding of the proper way to compare rates on the web.

Discount insurance quotes

Not too many consumers would say insurance is affordable, but there may be some discounts that many consumers don’t even know exist. Many of these discounts will be applied automatically when you get a quote, but a few need to be inquired about prior to getting the savings.

• Driver Safety – Successfully completing a course in safe driver is a good idea and can lower rates if you qualify.
• Own a Home and Save – Just owning your own home can earn you a little savings due to the fact that maintaining a home shows financial diligence.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discounted price on car insurance if you buy a life policy as well.
• Claim-Free Discount – Drivers with accident-free driving histories have much lower rates in comparison with frequent claim filers.
• Good Student Discount – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
• Savings for New Vehicles – Insuring a vehicle that is new is cheaper due to better safety requirements for newer vehicles.
• Good Driver Discount – Accident-free drivers may receive a discount up to 45% for Impreza coverage than drivers with accident claims.
• Online Discount – Certain insurance companies provide a small discount for completing your application on the internet.
• Theft Prevention Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen so companies will give you a small discount.
• Braking Control Discount – Cars with anti-lock braking systems are safer to drive and earn discounts up to 10%.

Just know that most discounts do not apply to the overall cost of the policy. Some only apply to individual premiums such as physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, that’s just not realistic. Any qualifying discounts will positively reduce your premiums.

Auto insurance companies that have these benefits include:

• Progressive
• SAFECO
• American Family
• MetLife
• Geico
• The Hartford

If you need cheaper insurance quotes, ask every company how many discounts you can get. Some discounts might not apply in your area.

You can change your insurance rates

One of the most helpful ways to save on auto insurance is to to have a grasp of the different types of things that aid in calculating your premiums. When consumers understand what determines base rates, this enables you to make decisions that will entitle you to lower premium levels. Many different elements are used in the calculation when quoting car insurance. Some are obvious like an MVR report, but other factors are more transparent like your continuous coverage or your commute time.

• Raise your deductibles for better rates – The deductibles you choose define the amount you are required to spend out-of-pocket if a claim is determined to be covered. Coverage for physical damage, also known as collision and other-than-collision, insures against damage to your car. Some coverage claims are rearending another vehicle, collision with a deer, or theft of your vehicle. The more you are required to pay out-of-pocket, the lower your rates will be for Impreza coverage.
• Prices also based on gender – The statistics show that females take fewer risks when driving. It does not mean females are better drivers. Women and men tend to get into at-fault accidents at about the same rate, but men have costlier accidents. Not only are claims higher, but men receive more major tickets like driving under the influence (DUI). Males from age 16 to 21 cause the most accidents and therefore pay the highest rates.
• Little extras can really add up – Insurance companies have many extra bells and whistles that can waste your money if you don’t pay attention. Coverages like personal injury protection, better glass coverage, and membership fees may be costing you every month. They may seem good when buying your policy, but now you might not need them so eliminate them to save money.
• Drive less and pay lower prices – The more you drive every year the higher your rate. A lot of companies apply a rate based upon how much you drive. Vehicles not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. Make sure your auto insurance coverage correctly shows the correct usage for each vehicle, because it can save money. Having the wrong rating on your Impreza is throwing money out the window.
• Cars with good safety ratings are cheaper to insure – Vehicles with good safety scores tend to be cheaper to insure. Highly rated vehicles result in less severe injuries and fewer serious injuries translates into savings for insurance companies and lower rates for you.
• Big cities have higher prices – Being located in small towns and rural areas is a positive aspect when shopping for auto insurance. City drivers tend to have much more traffic and more severe claims. Fewer drivers on the road means reduced accidents and lower theft and vandalism rates.

Tailor your insurance coverage to you

When it comes to buying proper insurance coverage for your vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining if your insurance needs would benefit from an agent’s advice.

• What is the difference between comprehensive and collision coverage?
• Is my 2012 Subaru Impreza covered for smoke damage?
• How much underlying liability do I need for an umbrella policy?
• Can I afford to buy a different vehicle if my 2012 Subaru Impreza is totaled?
• Is my babysitter covered when using my vehicle?
• Can I rate high risk drivers on liability-only vehicles?
• Do I have any recourse if my insurance company denies a claim?
• How many claims can I have before being cancelled?
• Is pleasure use cheaper than using my 2012 Subaru Impreza to commute?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance policy coverages for a Subaru Impreza

Having a good grasp of your policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as rock chips in glass, hitting a deer and damage from getting keyed. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2012 Subaru Impreza.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like X-ray expenses, ambulance fees, dental work, doctor visits and hospital visits. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability coverages

Liability coverage can cover injuries or damage you cause to a person or their property by causing an accident. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like structural damage, funeral expenses, legal defense fees, medical expenses and attorney fees. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Collision coverage

Collision coverage will pay to fix damage to your Impreza caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as colliding with another moving vehicle, driving through your garage door and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Feed the piggy bank

The cheapest 2012 Subaru Impreza insurance is possible both online in addition to many insurance agents, and you need to price shop both so you have a total pricing picture. Some companies don’t offer the ability to get a quote online and usually these smaller companies provide coverage only through independent insurance agencies.

While you’re price shopping online, it’s not a good idea to skimp on critical coverages to save a buck or two. In too many instances, someone dropped full coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to find the BEST coverage for the lowest cost, but do not sacrifice coverage to save money.

In this article, we covered some good ideas how you can reduce 2012 Subaru Impreza insurance rates online. The key concept to understand is the more times you quote, the higher your chance of finding cheaper insurance. You may even find the best price on insurance is with some of the lesser-known companies.

Additional learning opportunities

• Auto Insurance Learning Center (State Farm)
• What is Covered by GAP Insurance? (Allstate)
• Teen Driving and Texting (State Farm)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Frontal Crash Tests (iihs.org)