Cheap 2013 Subaru Impreza Insurance Rates

Looking for lower insurance rates for your Subaru Impreza? Are you regretting the purchase of high-priced insurance? It’s a common feeling and you are not the only one feeling buyer’s remorse.

Drivers have multiple insurance companies to purchase coverage from, and even though it’s nice to be able to choose, having more car insurance companies makes it harder to locate the cheapest rates.

It’s smart to get comparison quotes yearly because insurance prices change frequently. If you had the best price for Impreza insurance at your last renewal other companies may now be cheaper. Block out anything you think you know about insurance because you’re going to get a crash course in the tricks you need to know to save money, get proper coverage and the best rates.

Find discounts to get cheap auto insurance quotes

Auto insurance is expensive, but there may be some discounts that you may not even be aware of. Certain reductions will be credited at the time you complete a quote, but some discounts are required to be asked about prior to getting the savings.

• Seat Belt Discounts – Buckling up and requiring all passengers to buckle up can save up to 15% off the medical payments premium.
• Defensive Driving Course – Completing a driver safety course could cut 5% off your bill if your company offers it.
• Theft Prevention Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen less frequently so companies will give you a small discount.
• Drive Less and Save – Driving fewer miles could earn substantially lower rates.
• Multi-policy Discount – When you have multiple policies with one insurance company you may save at least 10% off all policies.
• Paperless Signup – Some of the larger companies will provide an incentive just for signing your application online.
• Military Deployment Discount – Having an actively deployed family member may qualify for rate reductions.
• Driving Data Discount – Drivers who elect to allow their auto insurance company to spy on when and where they use their vehicle by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease as long as the data is positive.
• 55 and Retired – If you qualify as a senior citizen, you could receive a small decrease in premiums for Impreza insurance.
• Accident Forgiveness Coverage – This one is not really a discount per se, but companies like Allstate and Progressive allow you one accident before your rates go up with the catch being you have to be claim-free prior to being involved in the accident.

One last thing about discounts, many deductions do not apply to all coverage premiums. Some only reduce individual premiums such as collision or personal injury protection. So even though it sounds like you can get free auto insurance, company stockholders wouldn’t be very happy.

If you would like to choose from a list of companies that provide some of the discounts listed above, click this link.

Informed drivers can cut their insurance prices

When buying insurance coverage it’s important to understand some of the things that help determine the level of your policy premiums. If you have some idea of what influences your rates, this allows you to make good choices that can help you get much lower annual insurance costs. Many different elements are part of the calculation when you get your auto insurance bill. Some factors are common sense such as your driving record, although some other factors are not quite as obvious like your continuous coverage or how safe your car is.

• Don’t skimp on liability coverage – Liability coverage is the protection when you are determined to be liable for personal injury or accident damage. It provides legal defense coverage to attempt to prove you were not liable. This coverage is very inexpensive compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
• Male premiums may be higher – Over time, data shows females are less aggressive when driving. Now that doesn’t mean males are worse at driving than females. Males and females cause at-fault accidents at about the same rate, but the males get into accidents with more damage. Men also get ticketed for serious violations like DWI (DUI) or reckless driving.
• Raising deductibles saves money – Your deductibles define the amount you are required to spend if the claim is covered. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply could be rearending another vehicle, animal collisions, and damage caused by road hazards. The higher the amount the insured has to pay upfront, the less your company will charge you for insurance for Impreza insurance.
• Safer vehicles that cut prices – Buying a car with an alarm system can help bring down rates. Advanced theft deterrents like OnStar, LoJack tracking, and tamper alarms all help stop your vehicle from being stolen.
• Avoid traffic tickets – Having a clean driving record impacts premiums far more than you think. Having a single driving citation can boost insurance rates by twenty percent. Drivers who don’t get tickets get better rates than bad drivers. People who have serious violations like DUI or willful reckless driving may need to maintain a SR-22 to the state department of motor vehicles in order to prevent their license from being revoked.

Tailor your auto insurance coverage to you

When buying the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different so your insurance should reflect that These are some specific questions may help highlight if you will benefit from professional help.

• Will I lose any money if I cancel my policy before it expires?
• I have health insurance so do I need medical payments coverage?
• Is my Subaru Impreza covered if I use it for business?
• Should I file a claim if it’s only slightly more than my deductible?
• Am I covered if I drive in a foreign country?
• Do I need rental car coverage?
• Do I pay less if my vehicle is kept in my garage?
• Do I get a pro-rated refund if I cancel my policy early?
• How high should deductibles be on a 2013 Subaru Impreza?
• Do I need medical payments coverage since I have good health insurance?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Advertising and car insurance

Companies like Allstate and Progressive endlessly run television, radio, and online ads. All the ads make an identical promise that drivers will save a bundle after switching your coverage. How does every company offer you a better deal? It’s all in the words they use.

Most companies have a preferred profile for a prospective insured that earns them the most money. For instance, this type of insured should be between the ages of 30 and 50, has never had a policy lapse, and has excellent credit. A customer getting a price quote that matches those criteria may get the lowest auto insurance rates and as a result will probably cut their rates if they switch.

Potential insureds who don’t meet these criteria may be required to pay higher premium rates which translates to the customer buying from a different company. If you pay close attention to the ads, they say “customers who switch” not “everyone that quotes” save money. That is how companies can truthfully make those statements. Because of this risk profiling, it’s extremely important to compare many company’s prices. Because you never know which company will have the lowest rate quotes.

Car insurance coverages for a Subaru Impreza

Knowing the specifics of a car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are typical coverage types found on most car insurance policies.

Liability auto insurance

This provides protection from damage that occurs to other people or property in an accident. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things like structural damage, pain and suffering, medical expenses and funeral expenses. How much coverage you buy is your choice, but buy higher limits if possible.

Collision coverage protection

This coverage covers damage to your Impreza from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as damaging your car on a curb, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage

This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from flooding, a broken windshield, hitting a bird and falling objects. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for immediate expenses for things like EMT expenses, funeral costs, nursing services, doctor visits and ambulance fees. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

This gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Subaru Impreza.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Power to the consumer

Affordable 2013 Subaru Impreza insurance is definitely available online in addition to local insurance agencies, and you should be comparing both in order to have the best price selection to choose from. Some car insurance companies may not have the ability to get quotes online and these smaller providers prefer to sell through local independent agencies.

When searching for inexpensive insurance quotes, never buy lower coverage limits just to save a few bucks. There have been many cases where an accident victim reduced full coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy a smart amount of coverage for the lowest price but still have enough coverage for asset protection.

Much more information about car insurance is located on the following sites:

• Avoiding Deer Collisions (Insurance Information Insitute)
• Who Has Affordable Durham Car Insurance Quotes for a Subaru Impreza? (CarInsuranceDurham.com)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Determing Auto Insurance Rates (Geico)
• Event Data Recorders FAQ (iihs.org)