Buyers have lots of choices when searching for low-cost Subaru Impreza insurance. They can either waste time struggling with agents trying to get quotes or save time using the internet to find the lowest rates.
There are both good and bad ways to compare car insurance rates so we’re going to tell you the best way to get price quotes for your Subaru and locate the best price possible either online or from local insurance agents.
It’s smart to shop coverage around at least once a year due to the fact that insurance rates go up and down regularly. If you had the best rates on Impreza coverage six months ago you will most likely find a better rate today. So just forget all the misinformation about car insurance because you’re going to get a crash course in the fastest and easiest way to properly buy coverages and cut your premium.
The purpose of this post is to let you in on how car insurance quotes work. If you have car insurance now, you should be able to lower your premiums substantially using these methods. Drivers only need to know the proper way to get comparison quotes on the web.
Do you qualify for these ten discounts?
The cost of insuring your cars can be expensive, but there are discounts available that many people don’t even know exist. Most are applied when you get a quote, but some may not be applied and must be asked about before being credited. If they aren’t giving you every credit available, you are paying more than you should be.
- Accident Waiver – Some insurance companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
- Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save up to 15% off your PIP or medical payments premium.
- Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on Impreza coverage than drivers with accidents.
- More Vehicles More Savings – Having multiple cars or trucks on one policy may reduce the rate for each vehicle.
- Early Switch Discount – A few companies offer discounts for switching policies prior to your current policy expiring. It’s a savings of about 10%.
- Resident Student – Children who live away from home and do not have access to a covered vehicle may qualify for this discount.
- Low Mileage Discounts – Driving fewer miles can earn a substantially lower rate.
- Lower Rates for Military – Having a family member in the military could mean lower rates.
- Federal Employees – Simply working for the federal government could cut as much as 10% off on Impreza coverage with select insurance companies.
- Good Students Pay Less – Performing well in school can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
It’s important to understand that some of the credits will not apply the the whole policy. Some only reduce individual premiums such as comp or med pay. Just because it seems like all those discounts means the company will pay you, it doesn’t quite work that way. Any amount of discount will cut your premiums.
For a list of insurers who offer car insurance discounts, click here to view.
Your insurance agent down the street
Some consumers prefer to sit down with an agent. Professional agents are trained to spot inefficiencies and help you file claims. The best thing about getting online price quotes is you can get better rates but also keep your business local. Buying from small agencies is especially important in smaller communities.
Upon completion of this form (opens in new window), your insurance coverage information is submitted to participating agents who will battle to get your business. You never need to visit any agencies as quotes are delivered to your email. How’s that for easy!
To view a list of agents in your state to contact, visit this page.
Choosing an insurer should depend on more than just the premium amount. These are valid questions to ask:
- Is working in the agency their full-time job?
- Did they already check your driving record and credit reports?
- Is the agency involved in supporting local community causes?
- What insurance company do they write the most business with?
- How long has their agency been open?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Do they receive special compensation for putting your coverage with one company over another?
- How are claims handled?
Upon getting satisfactory answers to these questions and locked in a price quote, it’s possible that you found a company that will provide car insurance coverage.
Insurance agents can help
When choosing coverage for your vehicles, there is no cookie cutter policy. Everyone’s needs are different.
These are some specific questions could help you determine if your insurance needs could use an agent’s help.
- Can I afford to buy a different vehicle if my Subaru Impreza is totaled?
- Is business property covered if stolen from my car?
- Is rental equipment covered for theft or damage?
- Why am I required to get a high-risk car insurance policy?
- How do I file an SR-22 for a DUI in my state?
- Do I have coverage when using my vehicle for my home business?
- Am I covered by my spouse’s policy after a separation?
- What is the minimum liability in my state?
- Should I file a claim if it’s only slightly more than my deductible?
- Do I get a pro-rated refund if I cancel my policy early?
If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and may give you better protection.
Car insurance coverages 101
Understanding the coverages of car insurance can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.
Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for bills like X-ray expenses, hospital visits, EMT expenses, ambulance fees and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage
Collision – Collision coverage pays for damage to your Impreza from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like rolling your car, colliding with another moving vehicle, backing into a parked car, scraping a guard rail and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.
Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things like hail damage, rock chips in glass, theft, damage from a tornado or hurricane and damage from flooding. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Auto liability insurance – This coverage will cover damage that occurs to people or other property by causing an accident. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which provides one coverage limit without having the split limit caps.
Liability insurance covers things like attorney fees, pain and suffering, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but buy as much as you can afford.
UM/UIM Coverage – Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Subaru Impreza.
Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these limits do not exceed the liability coverage limits.
Smart shoppers get results
We’ve covered a lot of techniques to compare Subaru Impreza insurance prices online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the lowest premiums are with a company that doesn’t do a lot of advertising.
When you buy insurance online, do not buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed collision coverage and discovered at claim time they didn’t purchase enough coverage. The aim is to get the best coverage possible at an affordable rate while still protecting your assets.
Consumers change insurance companies for many reasons like high prices, delays in responding to claim requests, policy non-renewal or unfair underwriting practices. Regardless of your reason for switching companies, choosing a new company is easier than you think.
