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.
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.
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.
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.
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.
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.
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.
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.
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:
Aron Hull
2013 Subaru Impreza + State Farm = CHEAP! At least inOhio anyway.
Meghan Parrish
Does GEICO have good claim service?
Cherri Roach
I live north of Knoxville, Tennessee. Don’t remember every company but I ended up saving about $70 each month. Was with State Farm.
Nanette Tyler
Any companies in Los Angeles, CA that will insure a DUI?
In Maxwell
I compared a lot of rate quotes for a 2013 Subaru Impreza in Greensboro, NC. Ended up at about $410 every six months with AAA. Left AIG Insurance to switch. Good savings if you bundle.
Teodoro Becker
I chose to switch to State Farm from AAA. I live in Rochester, Minnesota. Insured with Esurance before. It’s easy to compare rates online now.
Warner Simon
Lots of good stuff here. I live in a small town just outside of Tulsa, OK. Got car insurance rates from State Farm, Erie, and Liberty Mutual for my Impreza and saved just over $190 a year. Have an at-fault accident tho.
Roxie Robertson
Just a quick comment on my experience. I live north of Oklahoma City, OK. Got free quotes online for a 2013 Subaru Impreza. Ended up at about $570 savings annually. Went with Allstate. Left State Farm to switch.
Larae Norris
Got a quote with Nationwide for my Impreza and saved around $430 a year. Good multi-policy discounts. Highly recommended.
Markita Gardner
Cheap is relative. Lifelong resident of Hartford, Connecticut. Got rates from GEICO, Amica, Esurance, and The General for my Impreza and saved about $440 a year. Left Encompass to switch. Just go online and compare their rates.
Soledad Cox
Not sure what I should be paying. I live in Warren, Michigan. I quoted with Allstate, Amica, and Farmers for my Subaru and saved $98 a year. Insured with Mercury before. I get a discount for insuring multiple vehicles. God forbid I actually have a claim.
Letisha Roman
Lots of good stuff here. Located in Bismarck, North Dakota. I compared lots of rates. Saved right around $40 a month. Allstate was the cheapest option for me. Left GEICO to switch. I got prices on the web.
Della Conley
Found cheapest coverage with AAA for my 2013 Subaru Impreza and cut my rates about $570 a year. I think they have home insurance too.