How Much Does 2018 Subaru Impreza Car Insurance Cost?

Looking for the cheapest car insurance rates for your Subaru Impreza? Sick and tired of trying to scrape together enough money to insure your Subaru every month? Your situation is no different than many other vehicle owners.

Big companies like GEICO, Farmers Insurance and State Farm promote their brand names with ads and it can be hard to ignore the propoganda and do the work needed to find the best deal.

If you are paying for car insurance now, you should be able to cut costs considerably using these methods. Choosing the best insurance company for you is quite easy. Although consumers do need to know how companies compete online.

How to get low cost insurance coverage

Performing a rate comparison can take time and effort if you don’t utilize the fastest way to get free quotes. You could spend your day driving to insurance companies in your area, or you could save time and use online quotes to quickly compare rates.

Most car insurance companies are enrolled in a marketplace that allows shoppers to send in one quote, and at least one company then returns a price quote for coverage. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To find out what other companies charge click to open in new window.

The only downside to using this type of system is you are unable to specify which companies to get pricing from. So if you prefer to pick individual companies to receive pricing from, we put together a list of low cost insurance coverage companies in your area. Click to view list.

Which method you use is up to you, but compare exactly the same coverages for each quote you get. If the quotes have different data it’s impossible to find the best deal for your Subaru Impreza. Just a small difference in insurance coverages can mean a large discrepancy in price. And when price shopping your coverage, comparing more quotes helps locate the best rates. Some regional insurers cannot provide online price quotes, so you should also compare quotes on coverage from those companies, too.

Insurance discounts are available to reduce your rates

Buying insurance is not cheap, but you might be missing out on some discounts that you may not even be aware of. A few discounts will be applied at quote time, but less common discounts must be requested specifically prior to getting the savings.

  • Own a Home – Simply owning a home can save a few bucks because owning a home requires a higher level of personal finance.
  • Telematics Data – Insureds that choose to allow data collection to study their driving habits by using a small device installed in their vehicle like Allstate’s Drivewise might see lower rates if they exhibit good driving behavior.
  • Bundle and Save – If you combine your home and auto policies and insure them both with the same insurance company you may save over 10 percent off each policy depending on the company.
  • Life Insurance Discount – Not all companies offer life insurance, but some may give you a discounted premium rate on car insurance if you buy a life insurance policy as well.
  • Resident Student – who are attending college and leave their car at home can receive lower rates.
  • Low Mileage – Driving less could be rewarded with substantially lower insurancerates.
  • Anti-lock Brake System – Cars with ABS and/or traction control can reduce accidents so you can save 10 percent or more.
  • Senior Discount – Seniors may qualify for better insurance rates for Impreza insurance.
  • Discount for Swiching Early – Some insurance companies provide a discount for switching companies prior to the expiration date on your current policy. It could save around 10% when you buy insurance coverage online.
  • Save with More Vehicles Insured – Drivers who insure more than one vehicle with the same insurance company could earn a price break for each car.

Consumers should know that many deductions do not apply to all coverage premiums. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

Large insurance companies and some of the premium reductions they offer are outlined below.

  • Farm Bureau includes discounts for multi-policy, multi-vehicle, youthful driver, good student, and 55 and retired.
  • State Farm discounts include good driver, Steer Clear safe driver discount, student away at school, multiple policy, and good student.
  • Progressive may offer discounts for online quote discount, homeowner, multi-policy, continuous coverage, online signing, and good student.
  • Allstate offers discounts for defensive driver, passive restraint, good student, auto/life discount, utility vehicle, multi-policy, and eSmart discount.
  • Nationwide offers premium reductions for family plan, anti-theft, defensive driving, good student, Farm Bureau membership, accident-free, and business or organization.
  • MetLife policyholders can earn discounts including multi-policy, claim-free, accident-free, defensive driver, good driver, good student

Before purchasing a policy, check with every company which discounts can lower your rates. Some of the discounts discussed earlier may not apply to policyholders in your area. If you would like to choose from a list of companies offering insurance discounts, click here.

How to lower your insurance rates

Lots of things are used when you get your auto insurance bill. Some are obvious like a motor vehicle report, although some other factors are not as apparent such as your credit history or your commute time.

The itemized list below are some of the things used by insurance companies to determine premiums.

  • Insurance rates for married couples – Walking down the aisle can get you a discount on your car insurance bill. Having a spouse usually means you are more mature than a single person it has been statistically shown that married drivers tend to file fewer claims.
  • Never let your coverage lapse – Having a lapse in insurance coverage is a fast way to bump up your car insurance costs. Not only will rates go up, not being able to provide proof of insurance will get you a steep fine or even jail time. You may then be required to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Do you have enough liability protection? – Liability insurance will protect you if ever a jury decides you are liable for causing damage or personal injury in an accident. It provides legal defense up to the limits shown on your policy. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
  • High credit history translates to low prices – An insured’s credit history is a large factor in determining what you pay for car insurance. If your credit history can be improved, you could potentially save money when insuring your 2018 Subaru Impreza by improving your rating. Drivers who have high credit scores tend to be better risks to insure than drivers who have bad credit.
  • Infrequent drivers can save – Driving more miles in a year the higher the price you pay to insure it. Almost all companies charge rates based on their usage. Cars that have low annual miles qualify for better rates compared to those used for work or business. Incorrect rating for your Impreza may be wasting your money. Ask your agent if your vehicle rating shows the correct driver usage.
  • Increase physical damage deductibles to save – Physical damage deductibles are the amount of money you are willing to pay in the event of a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. A few examples of covered claims are rearending another vehicle, vandalism, and damage caused by road hazards. The more money you choose to pay out-of-pocket, the less money you will pay for car insurance for Impreza insurance.
  • Safer the car lower the rate – Safe vehicles can get you lower premiums. These vehicles reduce the chance of injuries and fewer serious injuries means lower claim amounts and lower rates for you. If the Subaru Impreza scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Bundling policies can get discounts – Some companies give discounts to insureds who buy several policies from them in the form of a multi-policy discount. Even with this discount, it’s still a good idea to compare rates to guarantee you are still saving the most. You may still be able to find lower rates by splitting coverages up.

Everyone needs different insurance coverages

When it comes to buying coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s needs are different so your insurance needs to address that. For example, these questions might help in determining if your situation could use an agent’s help.

  • What is roadside assistance coverage?
  • Does insurance cover tools stolen from my truck?
  • Is my 2018 Subaru Impreza covered for smoke damage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Does my policy cover my teen driver if they drive my company car?
  • How do I insure my teen driver?
  • Do I need medical payments coverage since I have good health insurance?
  • Why is insurance for a teen driver so high?
  • Is my Subaru Impreza covered if I use it for business?
  • Do I need to file an SR-22 for a DUI in my state?

If you can’t answer these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

Specific coverages for a Subaru Impreza

Having a good grasp of your policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording. These are the usual coverages found on most car insurance policies.

Comprehensive (Other than Collision)

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as fire damage, hitting a deer and damage from flooding. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverage

This coverage will cover damage or injury you incur to other people or property by causing an accident. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers claims such as repair bills for other people’s vehicles, funeral expenses, bail bonds and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for X-ray expenses, hospital visits and pain medications. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as sustaining damage from a pot hole, driving through your garage door, sideswiping another vehicle and hitting a parking meter. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

In the end, you save

When trying to cut insurance costs, never skimp on critical coverages to save a buck or two. Too many times, an insured dropped comprehensive coverage or liability limits to discover at claim time they didn’t purchase enough coverage. Your objective should be to purchase plenty of coverage for the lowest cost but still have enough coverage for asset protection.

Cost effective 2018 Subaru Impreza insurance is definitely available from both online companies in addition to many insurance agents, so you need to shop insurance coverage with both to have the best chance of lowering rates. A few companies may not provide rates over the internet and usually these small insurance companies only sell through local independent agents.

We covered some good ideas how to lower your 2018 Subaru Impreza insurance rates. The most important thing to understand is the more price quotes you have, the better likelihood of getting low cost insurance coverage. Consumers could even find that the lowest priced auto insurance comes from a smaller regional carrier. These companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive or GEICO.

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Comments About 2018 Subaru Impreza Insurance

  1. Janiece Ward

    In Fairbanks, AK, AIG Insurance had the best rates for my 2018 Subaru Impreza. I get a discount for insuring multiple vehicles. I got prices on the web.

  2. Carie Kaufman

    I found pretty cheap rate quotes for a 2018 Subaru Impreza in Portland, Oregon. Ended up at right around $240 every six months with Auto-Owners. Thankfully I have a good driving record. Not sure if rates are cheaper online or through an agent.

  3. Kip Guerra

    In Cincinnati, OH, GEICO is a good choice. Bought it from an online quote.

  4. Tomika Parsons

    I’ve had Allstate for years. I’m in Dallas, TX.