Cheap 2014 Subaru Impreza WRX Car Insurance Quotes

Just know that most of the big mark downs will not be given to the entire cost. Most only cut individual premiums such as liability, collision or medical payments. So even though you would think you could get a free auto insurance policy, it doesn’t quite work that way.

To choose insurance companies with discount auto insurance rates, click this link.

Cheap auto insurance

Cutting your auto insurance rates is a fairly straight forward process. All you need to do is invest a little time to get quotes from some recommended companies. It’s really simple and can be done in a couple of different ways.

• One of the best ways consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This easy form keeps you from doing separate quotes to each individual auto insurance company. One form submission will return quotes from multiple low-cost companies. This is perfect if you don’t have a lot of time.
• Another way to shop for auto insurance online is to manually visit the website of each company and fill out their own quote form. For example, we’ll pretend you are doing a rate comparison from Geico, Liberty Mutual and Travelers. In order to get each rate, you would have to go to every website and enter your policy data, and that explains why we recommend the first method. For a list of links to insurance companies in your area, click here.
• The hardest method to get rate quotes is driving around to all the different insurance agencies. The internet makes this unnecessary unless you have a need for the guidance that can only be provided by a licensed insurance agent. It is possible with some companies compare online quotes and have a local agent actually service the policy.

You can choose any of those ways to find more affodable coverage, but double check that you are using exactly the same coverages for each price quote. If the quotes have different liability limits you will not be able to determine the best price for your Subaru Impreza WRX.

Insurance agents can help

When it comes to buying the right insurance coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining if your situation might need professional guidance.

• Do I have coverage when pulling a U-Haul trailer?
• What should my uninsured motorist coverage limits be in my state?
• Do I need higher collision deductibles?
• Do I need motorclub coverage?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Am I covered when driving someone else’s vehicle?
• Is rental equipment covered for theft or damage?
• Is pleasure use cheaper than using my 2014 Subaru Impreza WRX to commute?
• Is business property covered if stolen from my car?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance policy coverages for a 2014 Subaru Impreza WRX

Having a good grasp of your policy aids in choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your 2014 Subaru Impreza WRX.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time these coverages are identical to your policy’s liability coverage.

Insurance for medical payments

Med pay and PIP coverage reimburse you for expenses like EMT expenses, rehabilitation expenses, ambulance fees and prosthetic devices. They are often used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision protection

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a parking meter, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like theft, vandalism, damage from getting keyed, rock chips in glass and fire damage. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverages

Liability coverage protects you from damage that occurs to a person or their property. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things such as loss of income, court costs, repair costs for stationary objects, structural damage and medical expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Shop Smart and Save

Drivers leave their current company for many reasons like questionable increases in premium, policy non-renewal, lack of trust in their agent or high prices. Regardless of your reason, finding the right auto insurance provider can be less work than you think.

While you’re price shopping online, do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped comprehensive coverage or liability limits only to find out that their decision to reduce coverage ended up costing them more. The goal is to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

There are still a few companies who do not provide internet price quotes and these smaller companies work with independent agents. Affordable 2014 Subaru Impreza WRX insurance is available both online in addition to local insurance agencies, and you need to price shop both in order to have the best chance of saving money.

Additional information can be found at the links below

• Electronic Stability Control FAQ (iihs.org)
• Auto Insurance 101 (About.com)
• Understanding your Policy (NAIC.org)
• Bodily Injury Coverage (Liberty Mutual)