2016 Subaru Impreza Insurance Cost

Did you fall for a flashy sales pitch and buy an expensive insurance policy? Don’t sweat it because there are a lot of people just like you who feel imprisoned by their insurance policy.

Many insurers vie for your insurance dollar, and it can be difficult to compare rates and uncover the absolute lowest cost out there.

It’s a good idea to do rate comparisons before your next renewal because prices go up and down regularly. If you had the lowest price on Impreza coverage two years ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance because we’re going to demonstrate the easiest way to lower your rates without sacrificing coverage.

Low cost insurance

When looking for the cheapest auto insurance quotes, there are a couple ways to compare rate quotes from many insurance companies in your state. The simplest method to compare rates consists of obtaining rate quotes online. This can be done in several different ways.

• Without a doubt, the easiest way to find the lowest comparison rates is an all-inclusive rate comparison click to view form in new window. This method eliminates the need for separate quote forms for each company. Completing one form will get you rate comparisons from all major companies.
• Another way to find lower rates requires a visit to the website for every company you want to comare and go through the quote process again. For examples sake, we’ll assume you are doing a rate comparison from Allstate, Progressive and Farmers. To get rate quotes you would need to spend time going to each site individually and repeatedly enter your information, which is not fast way to get rate quotes. For a list of links to companies insuring cars in your area, click here.

Whichever way you choose to compare rates, do your best to use apples-to-apples information for every company. If your comparisons have mixed coverages you will not be able to determine the best price for your Subaru Impreza. Even a minor difference in insurance coverages or limits may result in a large different in cost. And when price shopping your coverage, comparing a wide range of rates helps increase your odds of locating lower pricing. Not every company provides online rate quotes, so you need to compare rates from those companies as well.

Learn how to lower your insurance premiums

Lots of factors are part of the equation when you get your auto insurance bill. Most are fairly basic such as your driving history, although some other factors are less apparent like your continuous coverage and annual miles driven.

• Get cheaper costs if you’re married – Having a significant other actually saves money when shopping for auto insurance. Having a significant other translates into being more responsible and statistics show being married results in fewer claims.
• Your address can push rates up or down – Having an address in smaller towns and rural areas of the country has it’s advantages if you are looking for the lowest rates. People who live in big cities regularly have more traffic problems and much longer commute distances. Fewer drivers translates into fewer accident claims as well as less vandalism and auto theft.
• High coverage deductibles equal low rates – Protection for physical damage, also called ‘full coverage’, protects your Subaru from damage. Examples of some claims that would be covered could be collision with another vehicle, collision with an animal, and having your car stolen. Your deductibles define how much you are required to spend out-of-pocket before a claim is paid by your company. The more damage repair cost you’re willing to pay, the less your company will charge you for insurance on Impreza coverage.
• Amount of liability coverage – A critical coverage on your policy, liability insurance is the protection if you are ruled to be at fault for causing personal injury or damage in an accident. Your policy’s liability insurance provides legal defense coverage which can cost a lot. Liability insurance is quite affordable as compared to coverage for physical damage, so do not cut corners here.
• Lower stress equals lower prices – Do you work in a high-stress field? Occupational choices like lawyersair traffic controllers and miners have higher rates than the rest of us attributed to intense work-related stress and lots of time spent at work. Conversely, occupations such as scientists, engineers and retirees have lower than average premiums on Impreza coverage.
• Advanced alarms and GPS tracking – Choosing a vehicle with an alarm system can help bring down rates. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent car theft.
• Only buy add-on coverages you need – There are a ton of additional extra coverages that may not really be needed but may not be useful. Add-on coverages like rental car reimbursement, towing coverage, and extra equipment coverage are examples of these. They may seem like a good idea when discussing your needs, but if you have no use for them consider taking them off your policy.
• You may save more by consolidating policies – Most insurers provide better rates to buyers who carry more than one policy such as combining an auto and homeowners policy. Even if you’re getting this discount it’s always a smart idea to comparison shop to help guarantee you have the best rates. It’s possible to still find better rates even if you have your coverage with different companies

Get affordable rates by taking advantage of discounts

Auto insurance companies don’t always list all disounts in a way that’s easy to find, so the next list breaks down a few of the more well known as well as the least known credits that you can use to lower your rates.

• Low Mileage – Low mileage vehicles may allow you to get discounted rates on garaged vehicles.
• Waiver for an Accident – Not necessarily a discount, but some insurance companies will allow you to have one accident without getting socked with a rate hike so long as you are claim-free before the accident.
• Passenger Safety Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
• ABS Brakes – Cars, trucks, and SUVs equipped with ABS or steering control can stop better under adverse conditions and therefore earn up to a 10% discount.
• Good Driver Discount – Drivers who avoid accidents may receive a discount up to 45% on Impreza coverage than drivers with accidents.
• No Accidents – Insureds who avoid accidents and claims are rewarded with significantly better rates on auto insurance quote when compared to insureds who have frequent claims or accidents.

Don’t be shocked that many deductions do not apply to all coverage premiums. The majority will only reduce individual premiums such as comprehensive or collision. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way.

If you would like to view providers with significant discounts, follow this link.

How much insurance coverage do I need?

When buying the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions could help you determine if your situation could use an agent’s help.

• Does my insurance cover my expensive audio equipment?
• Are rental cars covered under my policy?
• I have good health insurance, so how much medical payments coverage do I need?
• Where can I get insurance after a DUI in my state?
• Should I carry comprehensive and collision coverage?
• Should I buy more coverage than the required minimum liability coverage?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Specific coverages for a 2016 Subaru Impreza

Learning about specific coverages of a insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are the normal coverages found on the average insurance policy.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Subaru Impreza.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Usually these limits are similar to your liability insurance amounts.

Comprehensive protection

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, a tree branch falling on your vehicle and hitting a bird. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for liability

Liability insurance can cover injuries or damage you cause to other’s property or people that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as structural damage, repair costs for stationary objects and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage

This coverage covers damage to your Impreza resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like rolling your car, hitting a mailbox, sideswiping another vehicle, colliding with another moving vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as rehabilitation expenses, X-ray expenses and dental work. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

In any little way, save everyday

You just learned a lot of ways to reduce 2016 Subaru Impreza insurance prices online. It’s most important to understand that the more providers you compare, the higher your chance of finding inexpensive auto insurance. You may even find the lowest prices come from some of the smallest insurance companies. Smaller companies may cover specific market segments cheaper compared to the large companies like GEICO and State Farm.

Lower-priced 2016 Subaru Impreza insurance is attainable on the web and also from your neighborhood agents, and you should compare rates from both to have the best chance of lowering rates. A few companies do not offer online rate quotes and usually these regional insurance providers only sell coverage through independent insurance agents.

When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. There are many occasions where an insured cut liability coverage limits and found out when filing a claim that the savings was not a smart move. Your goal is to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

Helpful articles

• All About Airbag Safety (State Farm)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• What Does No-Fault Insurance Cover? (Allstate)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Tools for Teen Driving Safety (State Farm)