2015 Subaru Impreza Car Insurance Rates – 7 Tips for Best Quotes

Want the cheapest auto insurance rates? Drivers have many options when trying to find the lowest priced Subaru Impreza insurance. They can either spend hours calling around to compare prices or utilize the internet to get rate quotes.

There is a better way to find auto insurance online and you need to know the proper way to price shop coverage for a Subaru and obtain the lowest price from local insurance agents and online providers.

Ways to get car insurance price quotes

Most companies like Allstate, Geico and Progressive allow you to get insurance quotes direct online. Comparing prices online is fairly simple as you just type in the coverages you want into the form. Behind the scenes, their quoting system makes automated requests for information on your driving record and credit history and gives you a price quote based on the data you entered.

Being able to quote online helps simplify price comparisons, but the process of having to visit each company’s website and repetitively type in your information can get tiresome after awhile. But it’s absolutely necessary to do this if you are searching for lower prices.

A quicker way to find lower prices uses one simple form that gets price quotes from many companies. The form is fast, requires less work, and makes comparison shopping much more enjoyable. After sending your information, it is quoted and you can choose any one of the quotes that you receive.

If you find a better price you can click and sign and purchase coverage. The entire process just takes a couple of minutes and you’ll know if lower rates are available.

To quickly find out if lower rates are available, simply click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you complete the form with the coverages just like they are on your policy. Doing this assures you are getting rate quotes based on identical coverages.

More discounts mean lower-cost premiums

Auto insurance is expensive, but you can get discounts that may help make it more affordable. Some of these disounts will be visible when you quote, but occassionally some discounts must be requested specifically before you get the savings.

• Distant Student – College-age children who live away from home to go to college without a vehicle on campus may be insured at a cheaper rate.
• Early Switch Discount – A few insurance companies offer discounts for switching to them prior to your current policy expiration. You could save around 10% when you buy insurance coverage online.
• Driver’s Ed – Require your teen driver to take driver’s ed class in school or through a local driver safety program.
• Theft Deterent System – Cars and trucks equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
• New Car Discount – Insuring a new car can get you a discount since new vehicles have better safety ratings.
• Membership in Organizations – Participating in a qualifying organization can get you a small discount when shopping for auto insurance.
• Bundle and Save – If you can bundle your home and auto insurance with the same company they may give you a discount of up to 20% and get you cheaper insurance coverage.

A quick disclaimer, most discounts do not apply to your bottom line cost. Most only reduce specific coverage prices like comprehensive or collision. So even though you would think all those discounts means the company will pay you, you aren’t that lucky.

To find companies who offer online auto insurance quotes, follow this link.

It’s not one size fits all

When choosing coverage, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help you determine whether your personal situation could use an agent’s help.

• Should I carry comprehensive and collision coverage?
• How much liability do I need to cover my assets?
• Is my ex-spouse still covered by my policy?
• Should I rate my 2015 Subaru Impreza as pleasure use or commute?
• Am I covered when driving someone else’s vehicle?
• Am I covered if I crash into my own garage door?
• When should I drop full coverage on my 2015 Subaru Impreza?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.

Auto insurance coverages

Knowing the specifics of a auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverage

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like vandalism, falling objects, damage from getting keyed, hail damage and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for expenses for funeral costs, prosthetic devices and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

This gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage

Collision coverage pays for damage to your Impreza resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like damaging your car on a curb, hitting a mailbox, backing into a parked car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Liability

This coverage will cover damage that occurs to other people or property. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like legal defense fees, pain and suffering and structural damage. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.