View 2014 Subaru Impreza Car Insurance Rates

Looking for better insurance coverage rates for your Subaru Impreza? Getting the lowest price insurance coverage on the internet may at first seem to be challenging for shopping for insurance online. With such a large number of online companies available, how can anyone have the ability to compare all the different companies and get the lowest price?

Shop auto insurance online

When shopping for auto insurance there are multiple ways of comparing rate quotes from all the different companies. The fastest way to find the lowest 2014 Subaru Impreza rates is to jump online and get quotes. This is very easy and can be done in just a few minutes using one of these methods.

The easiest and least time consuming way consumers can analyze rates is a comparison rater form click here to open form in new window. This style of form prevents you from having to do separate quotes for every auto insurance company. A single form gets insurance cost estimates from all major companies. This is perfect if you don’t have a lot of time.

A slightly less efficient method to compare prices consists of visiting each individual company website to complete their respective quote request forms. For sake of this example, let’s say you are doing a rate comparison from Auto-Owners, Farmers and State Farm. You would have to go to every website and punch in your information repeatedly, which can take a lot of time.

For a list of companies in your area, click here.

It doesn’t matter which method you choose, just do your best to enter the same deductibles and coverage limits for each comparison quote. If you compare different coverage information you will not be able to make a fair comparison for your Subaru Impreza. Slightly different insurance coverages or limits could mean much higher rates. And when comparing auto insurance rates, know that having more price comparisons will improve the odds of getting better pricing.

Drivers save money with with these discounts

Some companies don’t always publicize the complete list of policy discounts very clearly, so we break down a few of the more common as well as some of the hidden insurance coverage savings.

• Service Members Pay Less – Being deployed with a military unit could trigger a small discount.
• Driver’s Education for Students – Require your teen driver to enroll in driver’s education in school.
• Defensive Driving Course – Taking time to complete a course in driver safety can save you 5% or more and easily recoup the cost of the course.
• Fewer Miles Equal More Savings – Driving fewer miles can earn lower rates on the low mileage vehicles.
• No Claims – Insureds who avoid accidents and claims can earn big discounts in comparison to accident-prone drivers.
• Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
• Discounts for Government Workers – Employees or retirees of the government could cut as much as 10% off on Impreza coverage depending on your insurance coverage provider.
• Discount for Swiching Early – Some insurance companies give discounts for signing up early. You can save around 10% with this discount.
• Online Discount – Many insurance coverage companies will give a small break for signing up online.

As a sidenote, some credits don’t apply to all coverage premiums. Most only apply to the price of certain insurance coverages like liability and collision coverage. Even though it appears all the discounts add up to a free policy, it just doesn’t work that way.

A few popular companies and some of the discounts include:

• State Farm offers premium reductions for multiple autos, safe vehicle, passive restraint, student away at school, good driver, and driver’s education.
• Geico discounts include good student, seat belt use, daytime running lights, federal employee, and anti-lock brakes.
• Liberty Mutual includes discounts for safety features, preferred payment discount, multi-policy, good student, and newly married.
• The Hartford offers discounts including anti-theft, good student, air bag, vehicle fuel type, and driver training.
• MetLife has savings for multi-policy, good student, defensive driver, good driver, and accident-free.
• Progressive may include discounts for online quote discount, homeowner, multi-vehicle, multi-policy, online signing, and good student.

Double check with all the companies how you can save money. Discounts might not be offered on policies in your area.

Your situation helps dictate your coverage

When it comes to choosing the right insurance coverage, there really is no single plan that fits everyone. Each situation is unique.

For instance, these questions may help highlight if your insurance needs might need an agent’s assistance.

• When should my teen driver be added to my policy?
• Should I buy additional glass protection?
• Do I have any recourse if my insurance company denies a claim?
• Is pleasure use cheaper than using my 2014 Subaru Impreza to commute?
• Should I buy full coverage?
• Will I lose any money if I cancel my policy before it expires?
• Do I need roadside assistance coverage?
• Is my nanny covered when driving my vehicle?
• Am I covered when using my vehicle for business?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

The coverage is in the details

Having a good grasp of your policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Collision – This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like driving through your garage door, sideswiping another vehicle and hitting a parking meter. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, falling objects and damage from flooding. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverage – This can cover injuries or damage you cause to people or other property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things such as legal defense fees, court costs, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Medical costs insurance – Med pay and PIP coverage provide coverage for short-term medical expenses like rehabilitation expenses, EMT expenses and chiropractic care. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

UM/UIM Coverage – This coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Have money to burn

Drivers change insurance companies for a number of reasons such as high prices, high rates after DUI convictions, lack of trust in their agent or delays in responding to claim requests. It doesn’t matter why you want to switch finding a new car insurance company is pretty easy and you might even save some money in the process.

We covered a lot of information how to shop for 2014 Subaru Impreza insurance online. The most important thing to understand is the more companies you get prices for, the higher your chance of finding the cheapest insurance. Consumers could even find that the lowest premium rates are with a small local company.

Some companies do not offer rate quotes online and these regional carriers prefer to sell through independent agents. Budget-friendly car insurance is attainable online and also from your neighborhood agents, so you should be comparing quotes from both to have the best rate selection.

Much more information about car insurance can be found on the following sites:

• Prepare your Teens for Safe Driving (InsureUonline.org)
• Who Has Affordable Auto Insurance Rates for a Subaru Impreza in Chula Vista? (ChulaVistaCoverage.com)
• How Much is Car Insurance for a Subaru Impreza in Aurora? (InsuranceAurora.com)
• Determing Auto Insurance Rates (Geico)
• What is Full Coverage? (Allstate)
• Event Data Recorders FAQ (iihs.org)
• Understanding Car Crashes Video (iihs.org)